TWI807434B - Service fee calculation system - Google Patents

Abstract

A service fee calculation system, comprises a bank server, a computer terminal, a mouse and a fund company server. The computer terminal outputs an estimated service fee request to the bank server, the bank server outputs a fingerprint verification request and authorization fingerprint data to the computer terminal according to the estimated service fee request, for microprocessor and a fingerprint reader of the mouse to perform fingerprint verification. After the fingerprint verification is completed, the bank server outputs an estimated service fee to the computer terminal. The fund company server performs a source verification procedure, and outputs an actual service fee to the bank server when determining a barcode of the actual service fee has passed the source verification procedure. The bank server then outputs the actual service fee to the computer terminal. The computer terminal compares the estimated service fee and the actual service fee to present a write-off notification through a user interface.

Description

Channel Service Fee Calculation System

The invention relates to a channel service fee calculation system.

In the existing technology, when it is necessary to calculate the channel service fee with the fund company, the bank clerk needs to check the contents of each transaction one by one, and write off the account when the comparison is correct. However, manual verification is prone to human error, which in turn causes problems in subsequent write-offs. Although human error can be reduced by reviewing by supervisors, this will waste a lot of manpower and time. In addition, since the channel service fee information needs to be obtained from the fund company, and the fund company will directly submit the channel service fee information to the bank after receiving the request from the bank. In this case, on the bank side, even an unauthorized person can easily read and read access service fee information.

In view of the above, the present invention provides a channel service fee calculation system to meet the above requirements.

A channel service fee calculation system according to an embodiment of the present invention includes: a bank server for receiving a request for an estimated channel fee data, and outputting a fingerprint verification request and a plurality of authority fingerprint data corresponding to the fingerprint verification request according to the estimated channel fee data request, the bank server further outputs a paid channel fee data, and outputs an estimated channel fee data when receiving a comparison success notification; a terminal computer is connected to the bank server by communication, For outputting the estimated toll data request, the terminal computer further receives the fingerprint verification request, and obtains and outputs the authority fingerprint data based on the fingerprint verification request, the terminal computer further receives the estimated toll data and the actually paid toll data, and compares the estimated toll data with the actually paid toll data to display a cancellation notice through a user interface; a mouse, including a microprocessor and a fingerprint reading element, the microprocessor is electrically connected to the fingerprint reading element, and the microprocessor communicates with the bank server and the terminal computer, The microprocessor drives the fingerprint reading element to obtain a current fingerprint data after receiving the authorized fingerprint data from the terminal computer, and outputs the comparison success notification to the bank server when judging that the current fingerprint data matches one of the authorized fingerprint data;

To sum up, according to the channel service fee calculation system shown in one or more embodiments of the present invention, the estimated channel fee data can be automatically generated, and the estimated channel fee data and the actual paid channel fee data can be compared, so that the operator does not need to check the contents of each transaction one by one. The present invention directly outputs authority fingerprint data according to branch location and estimated toll data request, which can prevent the list of authorized access to estimated toll data and paid toll data from being leaked, and allows the microprocessor of the mouse to perform fingerprint verification without storing a large amount of authority fingerprint data. In addition, because the microprocessor only drives the barcode reading element when it judges that the comparison success notification has been output, the power consumption of the barcode reading element can be reduced, and the barcode reading element can be prevented from misreading other irrelevant barcodes. And according to the channel service fee calculation system shown in one or more embodiments of the present invention, through multiple data transmission and verification, it is possible to reduce data errors in the process of calculating the channel service fee. Risk of leaks, and ensure that the estimated toll data and actual paid toll data are read by authorized personnel.

The above description of the disclosure and the following description of the implementation are used to demonstrate and explain the spirit and principle of the present invention, and provide a further explanation of the patent application scope of the present invention.

1: Channel service fee calculation system

10: Terminal computer

20: Mouse

201: Microprocessor

202: Fingerprint reading element

203: Barcode reading element

30: Bank server

40:Fund company server

S1-S15: Steps

S121, S122: steps

FIG. 1 is a block diagram of a channel service fee calculation system according to an embodiment of the present invention.

FIG. 2 is a flowchart illustrating the operation of the channel service fee calculation system of the present invention.

FIG. 3 is a flowchart illustrating another operation of the channel service fee calculation system of the present invention.

The detailed features and advantages of the present invention are described in detail below in the embodiments, the content of which is sufficient to enable any skilled person to understand the technical content of the present invention and implement it accordingly, and according to the content disclosed in this specification, the scope of the patent application and the drawings, any skilled person can easily understand the related objectives and advantages of the present invention. The following examples are to further describe the concept of the present invention in detail, but not to limit the scope of the present invention in any way.

Please refer to FIG. 1 , which is a block diagram of a channel service fee calculation system according to an embodiment of the present invention. The channel service fee calculation system 1 of the present invention includes a terminal computer 10, a mouse 20, a bank server 30 and a fund company server 40, wherein the mouse 20 further includes a microprocessor 201, a fingerprint reading element 202 and a barcode reading element 203.

The mouse 20 has a housing, the microprocessor 201 is disposed in the housing, the fingerprint reading element 202 is disposed on the side surface of the housing, and the barcode reading element 203 is disposed on the lower surface of the housing. The fingerprint reading element 202 and the barcode reading element 203 of the mouse 20 are all electrically connected to the microprocessor 201, so the microprocessor 201 can control the fingerprint reading element 202 and the barcode reading element 203, and act according to the data obtained by the fingerprint reading element 202 and the barcode reading element 203. In addition, the mouse 20 can be connected to the bank server 30 through communication, so as to directly transmit some data to the bank server 30 without going through the terminal computer 10 .

The terminal computer 10 can be a notebook computer or a desktop computer installed in a bank branch, and is operated by an employee working in the branch. The terminal computer 10 is connected to the bank server 30 and the fund company server 40 through communication. The mouse 20 is electrically or communicatively connected to the terminal computer 10 , and in one embodiment, preferably, the microprocessor 201 of the mouse 20 is electrically or communicatively connected to the terminal computer 10 . The mouse 20 is used to receive user input and transmit the input to the terminal computer 10 in the form of electric or wireless signals.

The bank server 30 may be a central server located in the head office of the bank, and the fund company server 40 may be a server of a fund company that has fund transactions with the bank, wherein the bank server 30 is connected to the fund company server 40 by communication.

In order to describe the operation of the channel service fee calculation system 1 of the present invention in more detail, please refer to FIG. 2 . FIG. 2 is a flow chart showing the operation of the channel service fee calculation system of the present invention, wherein the solid lines shown in FIG.

Firstly, the terminal computer 10 will receive a request for estimated channel fee data provided by the user, which is used to request the estimated cost data of domestic and foreign fund channel service fees. The terminal computer 10 then transmits the estimated channel fee data request to the bank server 30 in step S1. Due to account calculation, the terminal computer 10 preferably outputs the request for the estimated toll data to the bank server 30 on the day before the end of the month.

After receiving the estimated toll data request, the bank server 30 then outputs a fingerprint verification request to the terminal computer 10 in step S2, wherein the fingerprint verification request is used to request the mouse 20 of the terminal computer 10 to complete the fingerprint verification. The terminal computer 10 then outputs a fingerprint data request to the bank server 30 in step S3, so as to request the bank server 30 to provide a plurality of authorized fingerprint data, wherein the authorized fingerprint data is the fingerprint data of the staff who have the authority to read the estimated toll data and the actually paid toll data among all the staff working in the branch. Next, the bank server 30 outputs a plurality of authority fingerprint data to the terminal computer 10 in step S4.

Please refer to steps S3 and S4 together. When the terminal computer 10 outputs the fingerprint verification request, it can also output the branch location of the terminal computer 10 to the bank server 30, so the bank server 30 can output the authorized fingerprint data to the terminal computer 10 according to the branch location. In detail, the bank server 30 can store the pre-stored branch locations of multiple branches and multiple employee fingerprint data, and record the corresponding relationship between each employee's fingerprint data, pre-stored branch locations, and whether they have permission to read the estimated access fee data. Accordingly, after receiving the branch location from the terminal computer 10, the bank server 30 can determine which one of the pre-stored branch locations matches the branch location, and then further obtain multiple employee fingerprint data corresponding to the branch location. Then, since the bank server 30 has received the request for estimated access fee data from the terminal computer 10, the bank server 30 can further determine that among the employee fingerprint data at the branch location, the part that has the authority to read the estimated access fee data part of the fingerprint data, and use the part of the fingerprint data as the authority fingerprint data output to the terminal computer 10. By outputting authority fingerprint data according to the location of the branch, the amount of data transmission between the bank server 30 and the terminal computer 10 can be effectively reduced, and the amount of data transmission between the subsequent terminal computer 10 and the mouse 20 (microprocessor 201 ) can be reduced, and the microprocessor 201 can perform fingerprint verification without storing a large amount of authority fingerprint data.

The terminal computer 10 transmits the authority fingerprint data to the microprocessor 201 of the mouse 20 in step S5, and may present a notice of "Please provide fingerprints" on a user interface (for example, the screen of the terminal computer 10) to inform the operator that the fingerprint authentication needs to be performed through the mouse 20. The fingerprint reading component 202 of the mouse 20 can read the current fingerprint information provided by the operator, and transmit the current fingerprint information to the microprocessor 201 . Accordingly, in step S6, the microprocessor 201 can compare the current fingerprint data with the authorized fingerprint data, and when the comparison is successful, output a comparison success notification to the bank server 30 in step S7.

After receiving the successful comparison notification, the bank server 30 judges that the banker currently using the terminal computer 10 has the authority to read the estimated toll data, so the bank server 30 outputs the estimated toll data to the terminal computer 10 in step S8.

It should be noted that the bank server 30 stores the total amount data of fund transactions in the current month and the corresponding number of days in the current month. The method of generating the total amount data is that the terminal computer 10 calculates the total amount data on the 16th of each month based on the multiple transaction amounts from the 17th of the previous month to the 16th of the current month, and uploads the total amount data to the bank server 30 when the bank clerk or supervisor confirms that the total amount data is correct.

The bank server 30 calculates the estimated channel fee data based on the total amount data, the number of days when fund transactions are executed, and the number of days in the current month. The calculation formula for the estimated channel fee data is It can be: total amount data/number of transaction days*number of days in the current month. In addition, since the total amount data includes the transaction amounts and corresponding multiple countries, when the bank server 30 calculates the estimated toll data, it can calculate the estimated toll data based on multiple exchange rate data and the transaction amounts (that is, the total amount data in the above formula is converted into Taiwan dollars according to different exchange rates). In addition, the supervisor at the head office of the bank can assist in confirming whether the total amount information and the number of days in the current month are correct, and the supervisor at the branch can assist in confirming whether the received estimated channel fee information is correct. After confirming that the estimated channel fee data is correct, the estimated channel fee data can be subsequently recognized as the estimated channel service fee for the current month.

The fund company server 40 can output an actual payment verification barcode to the terminal computer 10 (or other media that can present the actual payment verification barcode) on the day before the end of the month, wherein the actual payment verification barcode is the barcode corresponding to the actual payment amount of the branch in the current month. Therefore, after receiving the estimated toll data (step S8), the terminal computer 10 can display a notification of "received the estimated toll data, please scan the barcode" through the user interface to notify the operator to scan the actual payment verification barcode by operating the mouse 20 (barcode reading element 203). Next, the microprocessor 201 can drive the barcode reading unit 203 in step S9 to read the actual payment verification barcode presented by the user interface, and receive the actual payment verification barcode from the barcode reading unit 203, and then the microprocessor 201 transmits the actual payment verification barcode to the terminal computer 10 in step S10, so as to transmit the actual payment verification barcode to the fund company server 40 through the terminal computer 10. In addition, the microprocessor 201 preferably drives the barcode reading element 203 when it determines that the comparison success notification has been output (step S7). Accordingly, the power consumption of the barcode reading element 203 can be reduced, and the barcode reading element 203 can be prevented from misreading other irrelevant barcodes.

In step S11, in addition to transmitting the actual payment verification barcode to the fund company server 40, the terminal computer 10 can also transmit the branch location of the terminal computer 10 to the fund company server 40, so that the fund company server 40 can execute a source verification program corresponding to the terminal computer 10. The Source Verification procedure is used to verify the correct source of the Pay Verification barcode, which is described below.

First, the fund company server 40 obtains a registered location data from an external network (for example, the Internet) according to the actual payment verification barcode. As mentioned above, the actual payment verification barcode corresponds to the actual payment amount data of the branch in the current month, that is, the fund company server 40 stores the actual payment verification barcode and the branch name correspondingly, so the fund company server 40 searches the registered address of the branch from the Internet according to the branch name to obtain the registered location information. Accordingly, compared with the conventional technique of correspondingly storing branch names and addresses, the fund company server 40 of the present invention can only store the branch names, so as to reduce the amount of data that the fund company server 40 needs to store.

Next, the fund company server 40 judges whether the registered location data matches the branch location, so as to determine whether the terminal computer 10 that provided the actual payment verification barcode is the object that the fund company server 40 previously output the actual payment verification barcode. When the registered location information does not match the branch location, the fund company server 40 can interrupt the connection with the terminal computer 10, and output a notification including the branch location of the terminal computer 10 to the bank server 30, so as to warn the bank server 30 that the terminal computer 10 at the branch location may not be trusted. When the fund company server 40 determines that the registered location information does not match the branch location, it may output a verification failure notification to the bank server 30 . When the fund company server 40 judges that the registered location information is consistent with the branch location, it is determined that the result of the source verification procedure is verified.

After judging the result of the source verification procedure as passing the verification, the server 40 of the fund company can output the data of the actually paid channel fee to the bank server 30 in step S13, and then the bank server 30 can output the data of the channel fee actually paid to the terminal computer 10 in step S14. After the terminal computer 10 receives the estimated toll data and the actually paid toll data, it can compare the two pieces of data to determine the difference between the two pieces of data. When the terminal computer 10 judges that the difference between the estimated toll data and the actually paid toll data is not greater than an amount error range, the terminal computer 10 can output a notification that the amount matches to the terminal computer used by the supervisor or accountant. When the terminal computer 10 judges that the difference between the estimated toll data and the actually paid toll data is greater than the error range of the amount, it outputs a write-off notice in step S15, wherein the write-off notice can be output to the terminal computer used by the supervisor or the accountant to notify the supervisor or the accountant of the need to execute the write-off procedure. Specifically, when the actually paid toll information is greater than or less than the estimated toll information, different account items need to be written off, so according to the size relationship between the actually paid toll information and the estimated toll information, the write-off notification can include the corresponding account items.

In addition to being determined by the supervisor or the accountant, the error range of the amount may also be generated based on multiple pieces of historical estimated toll data and multiple historical actual paid toll data. Specifically, there are multiple historical errors between the historical estimated toll data and the historical paid toll data, and the terminal computer 10 can use these historical errors to establish a normal distribution model, and use the lower limit of the confidence interval of the normal distribution model as the upper limit of the error range of the amount. Then, the terminal computer 10 can judge whether to output the write-off notice according to the error range of the amount, and determine the accounting items included in the write-off notice.

Please refer to FIG. 3 . FIG. 3 is a flowchart illustrating another operation flow chart of the channel service fee calculation system of the present invention. The operation flowchart shown in Fig. 3 is similar to the operation flowchart of Fig. 2, Therefore, the similarities will not be repeated here. The difference between FIG. 3 and FIG. 2 is that FIG. 3 further includes steps S121 and S122.

In the embodiment of FIG. 3 , the comparison success notification output by the microprocessor 201 in step S7 also includes a comparison time, and the comparison time is the time when the microprocessor 201 judges that the current fingerprint data matches one of the authorized fingerprint data. Since the fund company server 40 receives the actual payment verification barcode, it means that the clerk’s fingerprint has passed the verification, so the fund company server 40 may request the bank server 30 for a successful comparison notification in step S121 before outputting the actual payment access fee data to the bank server 30 after judging the result of the source verification procedure as passing the verification.

The bank server 30 outputs the comparison success notification to the fund company server 40 in step S122, and the fund company server 40 judges whether the time difference between the comparison time of the comparison success notification and the received branch location (step S11) falls within a preset range, wherein the preset range is, for example, 3 minutes. When the fund company server 40 judges that the time difference falls outside the preset range, the fund company server 40 can output a "request invalid" notification to the terminal computer 10 and/or the bank server 30 to notify the banker that the request for the paid access fee data is invalid and needs to be verified again. When the fund company server 40 judges that the time difference falls within the preset range, the fund company server 40 may execute step S13 to output the actually paid toll data to the bank server 30 .

If the above-mentioned time difference is too long, there may be a disconnection problem between the fund company server 40 and the terminal computer 10, so by outputting a "request invalid" notification, relevant personnel can be reminded to check the connection status between the fund company server 40 and the terminal computer 10. In addition, if the above-mentioned time difference is too long, it is also possible that the pilot left the terminal during the process. The location of the brain 10, people without authority may take the opportunity to read relevant information such as tolls. Therefore, by verifying the above time difference, the risk of data being read by unauthorized persons can be reduced.

After the terminal computer 10 receives the estimated toll data and the actually paid toll data, it can write off the actually paid toll data to determine whether to offset the account. After confirming that it is correct, the terminal computer 10 can review the write-off, so as to upload the write-off data to the bank server 30, and the bank accountant can download the write-off data from the bank server 30, and then list the write-off data in the write-off figure of the channel service fee of the day.

To sum up, according to the channel service fee calculation system shown in one or more embodiments of the present invention, the estimated channel fee data can be automatically generated, and the estimated channel fee data and the actual paid channel fee data can be compared, so that the operator does not need to check the contents of each transaction one by one. The present invention directly outputs authority fingerprint data according to branch location and estimated toll data request, which can prevent the list of authorized access to estimated toll data and paid toll data from being leaked, and allows the microprocessor of the mouse to perform fingerprint verification without storing a large amount of authority fingerprint data. In addition, because the microprocessor only drives the barcode reading element when it judges that the comparison success notification has been output, the power consumption of the barcode reading element can be reduced, and the barcode reading element can be prevented from misreading other irrelevant barcodes. And according to the channel service fee calculation system shown in one or more embodiments of the present invention, through multiple data transmission and verification, the risk of data leakage during the process of calculating channel service fees can be reduced, and the estimated channel fee data and actual paid channel fee data can be read by authorized operators.

Although the present invention is disclosed by the aforementioned embodiments, they are not intended to limit the present invention. Without departing from the spirit and scope of the present invention, all changes and modifications are The patent protection scope of the present invention. For the scope of protection defined by the present invention, please refer to the appended scope of patent application.

1: Channel service fee calculation system

10: Terminal computer

20: Mouse

201: Microprocessor

202: Fingerprint reading element

203: Barcode reading element

30: Bank server

40:Fund company server

Claims (10)

A channel service fee calculation system, comprising: a bank server, used to receive a request for estimated channel fee data, and output a fingerprint verification request and a plurality of authority fingerprint data corresponding to the fingerprint verification request according to the estimated channel fee data request, the bank server further outputs actual paid channel fee data, and outputs estimated channel fee data when receiving a comparison success notification; a terminal computer, communicated with the bank server, for outputting the estimated channel fee data request, the terminal computer further receives the fingerprint verification request, and obtains and outputs based on the fingerprint verification request The terminal computer further receives the estimated channel fee data and the actually paid channel fee data, and compares the estimated channel fee data and the actually paid channel fee data to display a cancellation notice through a user interface; a mouse, including a microprocessor and a fingerprint reading element, the microprocessor is electrically connected to the fingerprint reading element, and the microprocessor communicates with the bank server and the terminal computer. When the fingerprint data matches one of the authority fingerprint data, output the comparison success notification to the bank server, wherein the mouse has a casing, the microprocessor is arranged in the casing, and the fingerprint reading element is arranged on the side surface of the casing; and a fund company server is communicated with the bank server, and the fund company server is used to execute a source verification program to verify the data from the terminal computer, and output the paid access fee data to the bank server when the result of the source verification program is verified. The channel service fee calculation system as described in claim 1, wherein the mouse further includes a barcode reading element for reading a paid verification barcode to the terminal computer, and the terminal computer further transmits the paid verification barcode and a branch location of the terminal computer to the fund company server, and the fund company server executes the source verification procedure including: the fund company server obtains a registered location data from an external network according to the paid paid verified barcode, and judges whether the registered location data matches the branch location. When the location data matches the location of the branch, it is judged that the source verification procedure is passed the verification. The channel service fee calculation system as described in claim 2, wherein the fund company server stores a branch name, and the actual payment verification barcode corresponds to the branch name, and the fund company server obtains the registered location information from the external network according to the branch name. The channel service fee calculation system as described in claim 2, wherein the comparison success notification includes a comparison time, and the fund company server further requests the comparison success notification from the bank server after judging that the source verification program has passed the verification, and the fund company server outputs the actually paid channel fee data to the bank server when the time difference between the comparison time and the receipt of the branch location falls within a preset range. The channel service fee calculation system as claimed in claim 2, wherein the microprocessor drives the barcode reading element when it determines that the comparison success notification has been output. The channel service fee calculation system as described in Claim 2, wherein when the server of the fund company judges that the registered location data does not match the location of the branch, the connection with the terminal computer is interrupted, and a notification including the location of the branch is output to the bank server. The channel service fee calculation system as described in claim 1, wherein the bank server stores a plurality of employee fingerprint data, and the terminal computer outputs the estimated channel fee data request Afterwards, a fingerprint data request and a branch location are output to the bank server, and the bank server uses a part of the employee fingerprint data as the authority fingerprint data according to the branch location. The channel service fee calculation system as described in Claim 1, wherein the bank server stores a total amount data and a corresponding number of days in a current month, and the total amount data includes multiple exchange rate data of multiple countries and multiple transaction amounts corresponding to these countries, and the bank server calculates the estimated channel fee data based on the exchange rate data and the transaction amounts. The channel service fee calculation system according to claim 1, wherein the terminal computer outputs the cancellation notice when the difference between the estimated channel fee data and the actually paid channel fee data is greater than an amount error range. The channel service fee calculation system as described in Claim 9, wherein the terminal computer establishes a normal distribution model based on multiple historical errors between multiple pieces of historical estimated toll data and multiple historical actual paid toll data, and uses the lower limit of a confidence interval of the normal distribution model as the upper limit of the error range of the amount.