TWI804934B - Off-site dishonored bill system - Google Patents

Abstract

An off-site dishonored bill system including a launching bank server and a notified bank server is provided. The launching bank server generates an off-site dishonored bill notification telegraphic message based on bill information, and transmits the off-site dishonored bill notification telegraphic message to the notified bank server. The notified bank server transmits an off-site dishonored bill confirmation telegraphic message to the launching bank server in response to receiving the off-site dishonored bill notification telegraphic message. The notified bank server decodes the off-site dishonored bill notification telegraphic message to acquire the bill information included in the off-site dishonored bill notification telegraphic message, and generates a dishonored bill notification based on the bill information. Then, the notified bank server transmits the dishonored bill notification to a user terminal on next day of dishonor.

Description

Off-site refund system

The present invention relates to an information processing system, and in particular to an off-site refund system.

Generally speaking, the person holding the bill can request payment of a certain amount according to the content recorded on the bill, or transfer it freely by means of endorsement, delivery, etc. And when the bearer obtains the bill, but does not receive payment after presenting the bill, the check will be bounced. At present, when the bank is about to refund the check, there are often customers who ask to send the cash to the branch only after a few minutes. Banks often mistrust customers and fail to process refunds immediately for the sake of customer credit, so there will be cases of off-site refunds. Although most banks now notify off-site refunds by phone, this process still needs to be handled manually, and it also needs to cooperate with complicated operating procedures, which not only consumes manpower, but also cannot guarantee the accuracy of the data.

The invention provides an off-site ticket refund system to reduce the time for data transmission and human consumption, and improve the accuracy of the data.

The off-site ticket refund system of the present invention includes an issuing bank server and a notifying bank server. The notified mobile server communicates with the initiating mobile server. The issuing bank server generates an off-site refund notice message according to the bill information, and sends the off-site refund notice message to the notified bank server. The notified bank server sends an off-site refund confirmation message to the issuing bank server in response to receiving the off-site refund notification message. The notified bank server parses the off-site refund notification message to obtain the ticket information included in the off-site ticket refund notification message, and generates a ticket refund notification according to the ticket information. And, the server of the notified bank sends the notice of refund to the user terminal on the next day of refund.

In an embodiment of the present invention, the above-mentioned issuing bank server stores the format of the off-site refund message.

In an embodiment of the present invention, the operation of the issuing bank server generating the off-site refund notification message according to the bill information includes: using the off-site refund message format to generate the off-site refund notification message according to the ticket information .

In an embodiment of the present invention, the off-site refund notification message and the off-site refund confirmation message transmitted between the issuing bank server and the notified bank server use the same format.

In an embodiment of the present invention, the above-mentioned off-site refund notice message includes the bill information, and the bill information includes the notified bank label, the drawer account number, the bill number, the amount, and the reason for the refund.

In an embodiment of the present invention, the above ticket information includes a refund time, and before generating the off-site refund notification message, the issuing bank server determines whether to generate the off-site refund notification message according to the refund time.

In an embodiment of the present invention, when the refund time exceeds the preset refund time, the issuing bank server generates the off-site refund notification message according to the ticket information. Moreover, when the ticket refund time does not exceed the preset ticket refund time, the issuing bank server stores the ticket information.

In an embodiment of the present invention, the above-mentioned off-site refund system further includes a bill exchange server, and the notified bank server sends the refund notice to the bill exchange server.

In an embodiment of the present invention, the above bill exchange server records the refund information corresponding to the bill information according to the refund notice.

Based on the above, in the off-site ticket refund system of the present invention, through the data transmission between the initiating bank server, the notified bank server and the user terminal, the off-site ticket refund can be notified at a specific time, thereby reducing manpower consumption. In addition, it is also possible for the clearing server to receive the off-site refund notice immediately, thereby reducing the data transmission time. In addition, the data accuracy is also improved by analyzing the information contained in the message and notification by the server of the initiating bank, the server of the notified bank, the user terminal and the clearing server.

In order to make the above-mentioned features and advantages of the present disclosure more comprehensible, the following specific embodiments are described in detail together with the accompanying drawings.

FIG. 1 is a block diagram of an off-site ticket refund system according to an embodiment of the present invention. Please refer to FIG. 1 , the off-site refund system 100 includes a bank server 120 and a user terminal 130 , and the present invention does not limit the number of the bank server 120 and the user terminal 130 here.

The management department of the bank server 120 is the bank. It is worth mentioning that there are three bank servers 120 shown in FIG. 1 , for example, each bank server 120 belongs to a different bank, but the present invention is not limited thereto. The user terminal 130 communicates with the bank server 120 . In this embodiment, the user terminal 130 is, for example, an electronic device such as a smart phone, a tablet computer, a notebook computer, or a desktop computer with computing capabilities, and the present invention is not limited thereto.

In another embodiment, the off-site ticket refund system 100 may further include a ticket exchange server 110 . The management department of the clearing server 110 is a clearing house. The note exchange server 110 is communicatively connected to the bank server 120, and can receive data from the bank server 120 for refunding notes.

In an embodiment of the present invention, the bill exchange server 110 and the bank server 120 may be implemented by various types of electronic devices equipped with communication devices, storage devices and processors.

Communication devices are implemented using various types of communication chips. For example, communication chips can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access, WiMAX) system, Wireless Fidelity (Wi-Fi) system or Bluetooth signal transmission components, the present invention is not limited thereto.

The storage device is used for storing necessary program codes and information required for the operation of the bill exchange server 110 and the bank server 120 . In this embodiment, the storage device can be any type of fixed or removable random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), flash memory (flash memory), hard disk (Hard Disk Drive, HDD), solid state disk (Solid State Drive, SSD) or similar components or a combination of the above components, and the present invention is not limited thereto.

The processor is connected to the communication device and the storage device, and is used to execute necessary functions of the bill exchange server 110 and the bank server 120 . The processor can be a central processing unit (Central Processing Unit, CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (Digital Signal Processor, DSP), programmable Controller, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar components or a combination of the above components, the present invention is not limited thereto.

FIG. 2 is a flow chart of an off-site refund process according to an embodiment of the present invention. In this embodiment, for the convenience of description, the bank server 120 of the invoicing bank where the drawer of the bill opens an account is referred to as "the issuing bank server", and the bank server 120 of the paying bank where the holder presents cash for payment is referred to as "Notified Bank Server".

When the holder presents the bill to the paying bank for cash, the invoicing bank may need to return the check due to insufficient deposit of the drawer. However, because the invoicing bank trusts the customer and waits until the bank's processing time exceeds the processing time to process the refund, it needs to be handled in the form of off-site refund. Please refer to Figure 2, if the refund time of the invoicing bank has exceeded the preset refund time (for example, 4:00 p.m.), the server of the issuing bank will send an off-site refund notification message to the server of the notified bank (step S1). At this time, the notified bank will send an off-site refund confirmation message to the server of the issuing bank (step S2), and will send an off-site refund notice to the user terminal on the next day after the refund (step S3).

FIG. 3 is a flow chart of an off-site refund operation according to an embodiment of the present invention. Referring to FIG. 3 , the operation of this embodiment is applicable to the off-site ticket refund system 100 in FIG. 1 , and is an embodiment of the process shown in FIG. 2 . The operation of the off-site ticket refund system 100 of this embodiment will be described below.

Please refer to FIG. 3 , in step S302 , the server of the initiating bank generates an off-site refund notification message according to the bill information, and sends the off-site refund notification message to the server of the notified bank. For example, the bill information includes, but is not limited to, the label of the bank to be advised, the account number of the drawer, the bill number, the amount, and the reason for the refund, and the present invention is not limited thereto.

In one embodiment, the issuing bank server stores the format of the off-site refund message. The off-site refund message format may be the off-site refund standard message format established by the clearing house. The issuing bank server will use the off-site refund message format to generate an off-site refund notification message based on the ticket information. Specifically, when the issuing bank server intends to perform an off-site refund, it will convert the ticket information of the ticket to be refunded into an off-site refund message that conforms to the format of the off-site refund message.

In one embodiment, the ticket information includes the refund time. The issuing bank server can decide whether to generate an off-site refund notification message according to the refund time before generating the off-site refund notification message. In other words, the launch server will perform the off-site refund operation at a specific time. Specifically, when the server of the issuing bank determines that the refund time in the ticket information exceeds the preset refund time, the server of the issuing bank will generate an off-site refund notification message according to the ticket information. The preset refund time can be set according to the last time the bank handles the refund, for example, it can be set to 4:00 pm, the present invention is not limited thereto. On the other hand, when the server of the issuing bank determines that the refund time in the ticket information does not exceed the preset refund time, the server of the issuing bank will store the ticket information without generating an off-site refund notification message. Here, the issuing bank server can wait until the preset refund time before performing the off-site refund operation.

In step S304, the notified bank server sends the off-site refund confirmation message to the issuing bank server in response to receiving the off-site refund notification message. In one embodiment, the notified bank server stores the format of the off-site refund message. The server of the notified bank will convert the response confirming receipt of the off-site refund notification message into an off-site refund confirmation message conforming to the format of the off-site refund message, and send the off-site refund confirmation message to the server of the issuing bank.

In particular, the invoicing and payment roles may be reversed between the originating bank's server and the notified bank's server. The off-site refund notification message and the off-site refund confirmation message sent between the server of the issuing bank and the server of the notified bank use the same format, so that the information transmission of multiple parties can be compatible with their respective systems.

In step S306, the server of the notified bank analyzes the off-site refund notification message to obtain the ticket information included in the off-site ticket refund notification message, and generates a ticket refund notification according to the ticket information. For example, the refund notice includes but is not limited to the account number of the drawer, the ticket number, the amount and the reason for the refund.

In step S308, the server of the receiving bank sends a refund notice to the user terminal on the next day after the refund. In one embodiment, the user terminal is, for example, an electronic device such as a computer operated by a bank clerk of the payment bank. After receiving the notice of off-site refund, the bank clerk can carry out subsequent off-site refund processing, for example, notifying the bearer that the bill presented for cash payment has been refunded and delivering the refund and the reason for the refund to the bearer. In another embodiment, the user terminal is, for example, an electronic device such as a smart phone held by the bearer. The bearer can know that the bill presented for cash payment has been refunded after receiving the off-site refund notice.

In one embodiment, the notified bank server can also send the refund notification to the clearing server. The bill exchange server will record the refund information corresponding to the bill information according to the refund notification, so that the refund record of the bill can be recorded in real time. Moreover, the bill exchange server will execute refund settlement according to the recorded refund information. Accordingly, when the bill exchange server starts to deduct the difference payable by each exchange unit at a specific time (for example, 5:00 p.m.), the balance can be deducted according to the real-time and correct record of the refund. In addition, when the bill included in the bill information is marked with refund information, the drawer needs to redeem the original refund and reason for refund, or deposit the bill in the bank for payment. And after the original refunded check is re-prompted and paid, the drawer needs to apply to the clearing house for a clearing note through the correspondent bank. At this time, the bill exchange server can record the settlement note information corresponding to the bill information.

To sum up, in the off-site ticket refund system of the present invention, through the data transfer between the initiating bank server, the notified bank server and the user terminal, the off-site ticket refund can be notified at a specific time, thereby reducing manpower consumption. In addition, it is also possible for the clearing server to receive the off-site refund notice immediately, thereby reducing the data transmission time. In addition, the data accuracy is also improved by analyzing the information contained in the message and notification by the server of the initiating bank, the server of the notified bank, the user terminal and the clearing server.

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

100: Off-site refund system 110: clearing server 120: Bank server 130: user terminal S1~S2, S302~S308: steps

FIG. 1 is a block diagram of an off-site ticket refund system according to an embodiment of the present invention. FIG. 2 is a flow chart of an off-site refund process according to an embodiment of the present invention. FIG. 3 is a flow chart of an off-site refund operation according to an embodiment of the present invention.

100: Off-site refund system

110: clearing server

120: Bank server

130: user terminal

Claims (7)

An off-site ticket refund system, comprising: an issuing bank server; and a notified bank server communicating with the issuing bank server, wherein the issuing bank server obtains bill information, wherein the bill information includes the refund time, wherein the The server of the issuing bank is the bank server of the invoicing bank where the drawer of the bill opened an account. Before generating the off-site refund notification message, the server of the issuing bank decides whether to generate the off-site refund notification message according to the refund time. When the refund time exceeds the preset refund time, the server of the issuing bank generates the off-site refund notification message according to the bill information, and sends the off-site refund notification message to the server of the notified bank. When the refund time does not exceed the preset refund time, the server of the issuing bank stores the ticket information, and the server of the notified bank sends an off-site refund confirmation message to the The server of the initiating bank, the server of the notified bank analyzes the off-site refund notice message to obtain the bill information included in the off-site refund notice message, and generates a refund notice according to the bill information, and the receiver The server of the advising bank sends the refund notice to the user terminal on the next day after the refund. The off-site refund system as described in claim 1, wherein the issuing bank server stores an off-site refund message format. The off-site ticket refund system according to claim 2, wherein the operation of the issuing bank server generating the off-site ticket refund notification message according to the ticket information includes: using the off-site ticket refund message format to generate the off-site ticket refund message format according to the ticket information Refund notification message. The off-site refund system as described in claim 1, wherein the off-site refund notification message and the off-site refund confirmation message transmitted between the issuing bank server and the notified bank server use the same format. The off-site refund system as described in Claim 1, wherein the off-site refund notification message includes the ticket information, and the ticket information further includes the notified bank label, drawer account number, ticket number, amount, and reason for refund. The off-site refund system as described in claim 1, wherein the off-site refund system further includes a bill exchange server, and the notified bank server sends the refund notice to the bill exchange server. The off-site ticket refund system according to claim 6, wherein the ticket exchange server records ticket refund information corresponding to the ticket information according to the ticket refund notification.

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