TWI786477B - System and method for virtualized inter-bank fund transfer - Google Patents

Abstract

A system and method for virtualized inter-bank fund transfer, which is to set up a fund pool in a central bank server; a plurality of financial institution servers transfer a transaction fund into the fund pool, and the transaction funds are also stored in the fund pool Convert into a virtual currency; and use an intermediary agency server to provide an inter-bank transaction platform, the servers of these financial institutions withdraw the virtual currency from the fund pool through the inter-bank transaction platform, and use the virtual currency to trade on the inter-bank transaction platform Conduct cross-bank transactions and settlements. Therefore, the transaction funds in the servers of each financial institution will be cross-bank transactions in a virtual and digital manner, which will not affect the amount in the fund pool, and the funds in the fund pool do not need to be remitted in and out repeatedly. By conducting inter-bank transactions on the inter-bank transaction platform provided by the intermediary agency server, the central bank will only receive the day-end settlement results, 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 framework, in particular to a system and method for virtualized inter-bank fund allocation.

At present, all banking institutions must open a reserve guarantee account in the central bank, and a part of the bank income must be allocated to the reserve guarantee account to avoid bank losses and the public not receiving money. rights of depositors.

However, when each financial institution draws funds from the reserve guarantee account and conducts various domestic and foreign cross-bank transactions, it will affect the amount in the fund pool. If there is a loss, the financial institution needs to allocate funds to the reserve guarantee account again, and Every transfer, remittance and other transactions will use the reserve guarantee account, and the funds in it will be remitted in and out repeatedly. And these cross-bank transactions need to ask the central bank, which greatly increases the business volume of the central bank.

Therefore, the present invention proposes a virtualized inter-bank fund transfer system and its method in response to the above-mentioned deficiencies in the conventional technology and future needs. The specific architecture and implementation methods 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 in the servers of various financial institutions into virtual currency, and conducts inter-bank transactions in a digital manner without affecting the actual deposit in the fund pool Amount, because the funds in the fund pool do 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 virtualized inter-bank fund transfer system and its method. It conducts inter-bank transactions through the inter-bank transaction platform provided by the server of the intermediary agency, and the central bank will only receive the end-of-day settlement results, which can be Reduce inter-bank transaction requests made by financial institution servers to the central bank.

In order to achieve the above purpose, the present invention provides a system for virtualized inter-bank transfer of funds, including: a central bank server, which is provided with a fund pool; multiple financial institution servers, connected to the central bank server by signals, and 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 agency server, which is connected to the central bank server and the financial institution servers, and the intermediary agency server provides an interbank A trading platform for the servers of these financial institutions to 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.

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

According to the embodiment of the present invention, the transaction funds are withdrawn from multiple 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 the embodiment of the present invention, the central bank server calls back the reserve guarantee accounts of the financial institution servers according to the settlement results in the fund pool.

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

According to the embodiment of the present invention, multiple detailed accounts belonging to the servers of the financial institutions are set in the server of the intermediary institution.

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

The present invention also provides a method for virtualized inter-bank transfer of funds, which includes the following steps: setting up a fund pool in a central bank server; multiple financial institution servers transfer a transaction fund into the fund pool, and the transaction funds are stored in the fund pool Convert into a virtual currency in the fund pool; and use an intermediary server to provide an inter-bank transaction platform, and the servers of these financial institutions withdraw the virtual currency from the fund pool through the inter-bank transaction platform, and use the virtual currency in the Cross-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 inter-bank transactions handled by the central bank between various financial institutions, and at the same time provide entity-to-virtual currency transactions, and record each financial institution through the intermediary agency server The detailed accounts allow the servers of each financial institution to conduct cross-bank transactions of digitized virtual currency on the cross-bank transaction platform provided by the intermediary server.

Please refer to FIG. 1 , which is a block diagram of a system 10 for virtualized inter-bank fund transfer of the present invention. The system 10 for virtualized inter-bank fund transfer of the present invention includes a central bank server 12, an intermediary agency server 14 and multiple financial institution servers 16, and the financial institution server 16 is connected to the central bank server 12 and the intermediary agency server 14 , the intermediary agency server 14 is also signal-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 which is in charge of domestic financial institutions. The intermediary agency server 14 is a credible third-party agency, 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 respectively, 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 will transfer a transaction fund into the fund pool 122 . In another embodiment, each financial institution server 16 all opens a reserve guarantee account 124 in the central bank server 12, and the financial institution server 16 will allocate a transaction fund and deposit it in the reserve guarantee account 124, Then the central bank server 12 transfers the transaction funds to the fund pool 122 and converts them into a virtual currency. The time for transfer of transaction funds can be fixed, or the transfer is instructed by the financial institution server 16 .

The intermediary agency 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 transactions on the inter-bank transaction platform 144 .

Please also refer to Figure 2, which is a flow chart of the method for virtualized inter-bank fund transfer of the present invention. First in step S10, a fund pool 122 is set in the central bank server 12; then as described in step S12, a plurality of financial institution servers 16 allocate a transaction fund and deposit it in the fund pool 122, and the transaction funds are stored in the fund pool 122 Convert into a virtual currency; In step S14, utilize the intermediary agency server 14 to provide an interbank transaction platform 144, the financial institution server 16 takes out the virtual currency from the fund pool 122 by the interbank transaction platform 144, and utilizes the virtual currency on the interbank transaction platform 144 Finally, in step S16, the intermediary agency server 14 settles the transaction results of the day, and returns the transaction results in batches to the fund pool 122 of the central bank server 12 at the end of the day.

For example, assume that bank A deposits 1 billion yuan in the reserve guarantee account 124 and converts the 1 billion yuan into 1 billion virtual currencies in the fund pool 122 . By analogy, assuming that N is equal to 10, and each financial institution server 16 deposits 1 billion yuan and converts it into 1 billion virtual currencies, then there is a total of 10 billion virtual currencies in the fund pool 122 . These 10 financial institution servers 16 conduct cross-bank transactions between each other through the interbank transaction platform 144 of the intermediary institution server 14. For example, the user transfers funds from Bank A to Bank B, etc., which are all considered as transactions between the financial institution servers 16. Cross-bank transactions. Each interbank transaction is recorded in the detailed account 142 of the intermediary agency server 14 , and an independent account is set for each financial institution server 16 .

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

In step S16 , when the central bank server 12 calls back 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 embodiment, the fund pool 122 dials back 1.5 billion to the reserve guarantee account 124 of Bank A, and dials back 500 million to the reserve guarantee account 124 of Bank B. The servers 16 of each financial institution withdraw from their respective reserve guarantee accounts 124 by themselves.

In addition to end-of-day callbacks, when a financial institution has a need for funds during its business hours, the financial institution server 16 may also send an instruction to the central bank server 12 through the intermediary agency server 14, and the The virtual currency is transferred back to the fund pool 122 of the central bank server 12, and the virtual currency in the fund pool 122 is converted back to the actual currency, and then the actual currency is transferred back to the reserve guarantee account 124.

Therefore, with the virtualized inter-bank fund transfer system and method provided by the present invention, all daily inter-bank transactions are accounted and settled by the intermediary server, unless the financial institution gives instructions, otherwise the central bank server will only be in the day-to-day Get the initial amount and the final transaction settlement result of the day at the beginning and end of the day. In this way, the inter-bank fund transaction requests made by financial institutions to the central bank can be greatly reduced, the business volume of the central bank can be reduced, and accounts can be simplified. In addition, the present invention converts the transaction from physical currency to virtual currency, and the money is actually stored in the server of the central bank, but the actual inter-bank transaction is carried out by virtual currency, which can reduce the remittance and remittance of real currency, and also The business volume of the central bank can be further reduced.

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 based on the features and spirit described in the scope of the application of the present invention shall be included in the scope of the patent application of the present invention.

10: Virtualized inter-bank fund transfer system 12:Central Bank Server 122: Fund pool 124: Reserve Guarantee Account 14: Intermediary agency server 142: Detailed Accounts 144: Cross-bank trading platform 16: Financial institution server

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

10: Virtualized inter-bank fund transfer system

12:Central Bank Server

122: Fund pool

124: Reserve Guarantee Account

14: Intermediary agency server

142: Detailed Accounts

144: Cross-bank trading platform

16: Financial institution server

Claims (11)

A system for virtualized inter-bank transfer of funds, including: a central bank server, which has a fund pool; multiple financial institution servers, connected to the central bank server with signals, transfer a transaction fund into the fund pool, and the transaction Funds are converted into a virtual currency in the fund pool; and an intermediary agency server, which is connected to the central bank server and the servers of these financial institutions, and the intermediary agency server provides an interbank transaction platform for these financial institutions The institution server withdraws the virtual currency from the fund pool through the inter-bank trading platform, and uses the virtual currency to conduct inter-bank transactions and settlements on the inter-bank trading platform, and the intermediary agency server is equipped with such financial institution servers The plural detailed accounts. The virtualized inter-bank fund transfer system as described in Claim 1, wherein after the servers of these financial institutions use the virtual currency to conduct inter-bank transactions, the multiple settlement results obtained on the same day are obtained by the intermediary server at the end of the day , sent to the fund pool in batches. The system for virtualized inter-bank transfer of funds as described in Claim 1, wherein the transaction funds are transferred from multiple reserve guarantee accounts, and these reserve guarantee accounts are set in the central bank server and correspond to the and other financial institution servers. The virtualized inter-bank fund transfer system 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 dials back the reserve guarantee accounts of the financial institution servers based on the multiple settlement results of the fund pool on the same day. 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 same 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 and deposit it in the fund pool, and the transaction fund is converted into a fund pool in the fund pool virtual currency; and using an intermediary agency server to provide an inter-bank transaction platform, the servers of these financial institutions withdraw the virtual currency from the fund pool through the inter-bank transaction platform, and use the virtual currency to conduct cross-bank transactions on the inter-bank transaction platform transaction and settlement, and the server of the intermediary agency has multiple detailed accounts of the server of the financial institution. The method for virtualized inter-bank fund transfer as described in claim item 7 further includes the following steps: After the servers of these financial institutions use the virtual currency to conduct inter-bank transactions, the multiple settlement results obtained on the same day are obtained by the intermediary server on the same day At the end of the day, it will be sent to the fund pool in batches. The method for virtualized inter-bank fund transfer as described in claim item 8 further includes the following steps: the central bank server calls back to the financial institution servers according to the settlement results in the fund pool. The method for virtualized inter-bank transfer of funds as described in Claim 7, wherein the transaction funds are transferred from the reserve guarantee accounts of the servers of these financial institutions. The method for virtualized inter-bank fund transfer as described in Claim 7, wherein the total amount of the virtual currencies after settlement on the same day is equal to the total amount of the transaction funds in the fund pool.

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