TWI820353B - Inter-bank shipping system and method - Google Patents

Abstract

The invention relates to an inter-bank issuance system and a method thereof, which utilizes an inter-bank issuance host in an inter-bank issuance event to generate a financial event based on the inter-bank issuance event and the comparison result between the code and the event reference material. data, so the account information corresponding to the code and the financial event data are sent to a financial host corresponding to the account, so that the financial host can notify the user to withdraw the corresponding amount or the financial host can request an inter-bank agent to credit the corresponding amount into the account. . This allows centralized processing of shipping services, thus improving the efficiency of cross-bank shipping.

Description

Inter-bank shipping system and method

The present invention relates to an agency delivery system and a method thereof, in particular to an inter-bank agency delivery system and a method thereof.

The use of computer software and communication networks has improved the traditional financial industry transaction model. Application software and the Internet support a wide range of transaction activities, and all walks of life can quickly use computers and the Internet to conduct transactions and remittances. Today, there are many channels for bank customers to conduct inter-bank transfers. However, generally speaking, when a user selects an inter-bank transfer channel, the traditional transaction system will use the designated transfer channel to perform inter-bank transfer services based on the customer's needs. Current transfer transactions are cleared and charged by financial companies for each inter-bank transaction. The amount of the handling fee ranges from more than ten yuan to dozens of yuan. If the remitter conducts cross-border transactions, a certain percentage will be charged based on the remittance amount. the handling fee.

In addition, today's bank transfer transactions can be connected to the bank's server through the Internet for authentication. After obtaining legal authorization, the transfer transaction can be completed. Furthermore, nowadays, not only simple financial transactions can be performed through the Internet. Whether it is online shopping or domestic inter-bank remittance, users can complete it on the Internet.

Due to the busy business of corporate customers, delays in regular bank transactions often occur. Therefore, the existing "agent business" has been developed, which is a batch transfer system. It uses electronic processing methods and is entrusted by financial institutions, organizations, and corporate banks. When the unit pays the payee on behalf of the company, the mechanism is to record the payment in batches and process it in a regular and batch liquidation manner.

However, today's technology does not have an inter-bank mechanism to process large inter-bank transfer transactions in real time. Instead, inter-bank transfers are used for agency services. Therefore, each bank processes them in batches separately, resulting in lower efficiency. disbursement processing, causing agency services to be limited to the same banking system to avoid Without affecting the processing efficiency, for example: stock interest transfer, for instant payment or instant appropriation services, the efficiency is low, which may easily lead to a decrease in the competitiveness of financial services.

Based on the above problems, the present invention provides an inter-bank agency payment system and a method thereof. By establishing a system architecture and step process for centralized inter-bank fund transfer and funds agency payment, the invention can speed up the payment process for the payee (payee). The speed of payment can also help governments or financial institutions increase the competitiveness of small-value payments and save construction costs.

The main purpose of the present invention is to provide an inter-bank issuance system and a method thereof. By concentrating the inter-bank issuance business to an inter-bank issuance host and collocating it with an inter-bank transfer host, the funds corresponding to the inter-bank issuance service can be transferred to the corresponding bank in real time. account, thus simplifying processing and speeding up the payment process.

The secondary purpose of the present invention is to provide an inter-bank payment system and method, which provides instant transfer through an inter-bank transfer host, thereby assisting the government or financial institutions to increase the competitiveness of real-time payment and save construction costs.

The invention discloses an inter-bank distribution method, which is applied to an inter-bank distribution host to provide an inter-bank distribution event based on service event data and a financial data of a service host. The service event data includes a code and an event reference material. , the financial information corresponds to the amount that the inter-bank distribution host can provide. The inter-bank distribution method first triggers the inter-bank distribution event by the service host and generates the event reference; and then allows the service host to act on the inter-bank distribution event Comparing the code with the event reference, the code corresponds to an account of a financial host; then, the service host generates a financial event data based on the comparison result of the inter-bank event and the code with the event reference. The financial event data corresponds to the financial data; the service host transmits the account and the financial event data to the inter-bank distribution host; the inter-bank distribution host transmits the financial event data and the account to the financial host corresponding to the account. In this way, the present invention allows the agency service to be centralized on the inter-bank agency host to avoid the increase in the complexity of inter-bank transfers between different banks, and allows the agency service to transfer funds to the recipient instantly, which can simplify the processing of the agency service. service, and can speed up the payment speed of the payment corresponding to the agency service.

The present invention provides an embodiment, wherein before the inter-bank issuing host generates at least one financial receiving data based on the service event data and the financial data, an intermediary host first receives the information corresponding to a deposit account of an issuing financial host. 1. Deposit amount data, the deposit amount data corresponds to the deposit amount of one of the deposit accounts; then, an inter-bank clearing host clears a clearing account corresponding to the intermediary host based on the deposit amount data to generate the financial data and transmit it to the Inter-bank distribution of hosts. This reduces complexity through inter-bank clearing, allowing the inter-bank transfer host to provide real-time transfers, thereby further assisting the government or financial institutions to increase the competitiveness of fund allocation and save construction costs.

The present invention provides an embodiment, wherein the issuing financial host and the financial host are the same or different hosts.

The present invention provides an embodiment, wherein the service host receives the code and an identification code based on at least one transaction event and records that the code corresponds to the account based on the identification code.

The present invention provides an embodiment, wherein the service event data corresponds to a salary event, a lottery event, a lottery event or a prize redemption event.

The invention also discloses an inter-bank issuance system, which includes a financial host and an inter-bank issuance host. The inter-bank sending host is connected to a financial host, and the financial host has an account; and the inter-bank sending host is connected to a service host, and the service host triggers an inter-bank sending event and generates a corresponding event reference. The service The host compares a code and the event reference based on the inter-bank issuance event. The inter-bank issuance host generates a financial event data corresponding to the account based on the inter-bank issuance event and the comparison result between the code and the event reference. The inter-bank distribution host transmits the financial event information and the account to the financial host corresponding to the account. This reduces complexity through inter-bank clearing, allowing the inter-bank transfer host to provide real-time transfers, thereby further assisting the government or financial institutions to increase the competitiveness of real-time transfers and save construction costs.

The present invention provides another embodiment, which further includes an inter-bank clearing host and an intermediary host, wherein the inter-bank clearing host is connected to the inter-bank issuance host; the intermediary host is connected to the inter-bank clearing host and an issuance financial host, and the intermediary host receives The deposit amount data corresponding to one of the deposit accounts of the issuing financial host is sent to the inter-bank clearing host, and the inter-bank clearing host uses the deposit amount information to Clear a clearing account corresponding to the intermediary host to generate financial information and transmit it to the inter-bank distribution host.

The present invention provides another embodiment, wherein the issuing financial host and the financial host are the same or different hosts.

The present invention provides another embodiment, wherein the service host receives the code and an identification code based on at least one transaction event and records that the code corresponds to the account based on the identification code.

The present invention provides another embodiment, wherein the service event data corresponds to a salary event, a lottery event, a lottery event or a prize redemption event.

1: Inter-bank shipping system

12:Financial host

122:Financial Account

20: Inter-bank distribution of hosts

22: Distribution platform module

24:Transfer platform module

30: Service host

40: Inter-bank clearing host

42: Clearing account

50: Intermediary host

60:Issuance of financial host

62:Deposit account

L _A :Account

M _DP : Deposit amount information

_MEA : Financial receipt information

M _EM : financial event data

M _FD : financial data

M _L : code

M _REF : event reference

M _SV : service event data

S10-S30: Steps

S100-S130: Steps

The first Figure A to the first Figure B are flow charts of one embodiment of the present invention; and the second Figure A to the second Figure B are schematic step diagrams of one embodiment of the present invention.

In order to enable the review committee members to have a further understanding and understanding of the characteristics and effects of the present invention, we would like to provide examples and accompanying explanations, as follows: In view of the fact that each bank independently implements the technology of issuing funds on behalf of others, resulting in funds being disbursed Accordingly, the present invention proposes an inter-bank agency payment system and a method thereof to solve the problem of low efficiency caused by the conventional agency payment technology.

In the following, the present invention will further describe the characteristics and structure of a cross-bank delivery system and method thereof: First, please refer to the first Figure A, which is a flow chart of an embodiment of the present invention. As shown in the figure, the steps of the cross-bank sending method of the present invention include: Step S100: The service host triggers the cross-bank sending event and generates event reference materials; Step S110: The service host compares the code and the event reference material based on the cross-bank sending event. ; Step S120: The service host generates financial event data based on the inter-bank distribution event and the comparison result between the code and event reference material; Step S130: The service host transmits the account and financial event data to the inter-bank distribution host; and Step S140: Inter-bank distribution The host transmits financial event data and accounts to the financial host corresponding to the account.

Please also refer to the second Figure A to the second Figure B, which are step diagrams of an embodiment of the present invention. The inter-bank issuing system 1 of the present invention includes at least one financial host 12 and an inter-bank issuing host 20. The inter-bank issuing host 20 is connected to the financial host 12, and the inter-bank issuing host 20 is further connected to the service host 30, wherein the financial host 12 There is at least one financial account 122. In addition, the inter-bank issuance system 1 may further include an inter-bank clearing host 40 and an intermediary host 50. This embodiment takes the financial host 12 as an example.

In step S100, the service host 30 starts the inter-bank event issuance and generates the event reference M _REF accordingly, for example: a unified invoice winning event, so the account information corresponding to the registration list and its corresponding winning number and winning amount are as follows. As shown in Figure 2A, the service event data M _SV contains the code M _L and the event reference M _REF . The code M _L corresponds to the account L _A. The event reference M _REF is the inter-bank generation event corresponding to the service event data M _SV . reference, and the service host 30 learns that the financial account 122 is the winner's account L _A through the record of at least one account L _A (equivalent to the above-mentioned financial account 122) corresponding to the account L _A for the agency service event, The service account L _A is at least one account L _A corresponding to the agency service event, which is set to be bound to the financial account 122 . Among them, the service host 30 receives the code _ML (for example: the invoice number) and the identification code (for example: the vehicle number) based on at least one transaction event (for example: purchasing goods) and records the code _ML corresponding to the account _LA according to the identification code, and The account information registered by account L _A in the service host 30 is the account information of the financial account 122 .

Referring again to Figure A, in step S110, the service host 30 compares the code M _L with the event reference M _REF to confirm whether the code M _L meets the award conditions of the event. In step S120, the service host 30 30 Obtain the financial event data M _EM corresponding to the account L _A based on the inter-bank agency event and the comparison result in step S110, that is, confirm the profit information corresponding to the code M _L by comparing the code M _L with the event reference M _REF , and Financial event data M _EM is generated by linking to the record of account L _A , for example: the amount that the winner can receive in this inter-bank issuance event. In step S130, the service host 30 transmits the financial account 122 bound to the account L _A and the financial event data M _EM obtained in step S120 to the inter-bank distribution host 20. Following step S140, the inter-bank distribution host 20 transmits the account The account information of the financial account 122 bound to L _A and the financial event data M _EM obtained in step S120 are combined with the financial information M _FD provided by the inter-bank clearing host 40 to generate the financial receipt data M _EA . At the same time, the account information of the financial account 122 is referenced. The financial receipt data M _EA is sent to the corresponding financial host 12, where the financial receipt data M _EA contains the transfer amount of the financial account 122 corresponding to the financial data M _FD , and the transfer amount corresponds to the code included in the service event data M _SV. Send appropriation amount data, and this embodiment takes the financial account 122 in the financial host 12 as an example, so the account _LA corresponding to the financial receipt data _MEA is the financial account 122. In this way, the financial host 12 can generate the corresponding deposit amount based on the financial receipt data _MEA and transfer it to the financial account 122, or the financial host 12 can notify the user to withdraw the corresponding winning bonus from the financial account 122.

As shown in Figures 1B and 2B, the steps of the inter-bank issuance method of the present invention further include: Step S10: The intermediary host receives the deposit amount data corresponding to the deposit account of the issuing financial host; and Step S20: Inter-bank settlement The host clears the clearing account corresponding to the intermediary host based on the deposit amount data to generate financial data and transmit it to the inter-bank issuance host.

Therefore, the inter-bank issuance method of the present invention further includes steps S10 to step S20 before step S140. Further refer to the second figure A to the second figure B. In step S10, the intermediary host 50 receives the deposit amount of the deposit account 62 The data M _DP is correspondingly transmitted to the inter-bank clearing host 40. The intermediary host 50 is further connected to the issuing financial host 60. The deposit account 62 is established in the issuing financial host 60. The deposit account 62 corresponds to the service event data M _SV , that is, deposit Account 62 is a dedicated account L _A . In step S20, the inter-bank clearing host 40 receives the deposit amount data M _DP provided from the intermediary host 50, and clears the balance of the clearing account 42 corresponding to the intermediary host 50 based on the deposit amount data M _DP to generate financial data M accordingly. _FD to transmit the financial data M _FD of the clearing account 42 to the inter-bank distribution host 20, thereby allowing the inter-bank distribution host 20 to grasp the amount of money that the current service event data M _SV can embezzle, and allowing the inter-bank distribution host 20 to further rely on The received service event data M _SV is combined with the financial data M _FD generated by the inter-bank clearing host 40 based on the clearing account 42, thereby correspondingly generating financial receipt data M _EA .

From the above, it can be seen that the inter-bank issuance system and method of the present invention centralizes the inter-bank issuance service on the inter-bank issuance host 20 and the inter-bank issuance host 20 receives the external account 122 and the corresponding financial event data M _EM and The financial data M _FD (corresponding to the funds that can be allocated in the inter-bank sending event), and the corresponding financial receiving data M _EA is generated based on the three, so that the inter-bank sending host 20 can communicate with the financial receiving data M EA through the above-mentioned financial receiving data M _EA The data M _FD generates the financial receipt data M _EA used for the transfer function. The inter-bank distribution host 20 includes a distribution platform module 22 and a transfer platform module 24. The distribution platform module 22 handles the distribution function, that is, processes the external financial account 122 and the corresponding financial event data M _EM , and The transfer platform module 24 processes the transfer function, that is, the financial data M _FD and matches the external financial account 122 with the corresponding financial event data M _EM to generate the financial receipt data M _EA . Furthermore, the above-mentioned issuing financial host 60 and the financial host 12 may be the same host.

The following is an example, for example: automatic redemption of unified invoices, that is, an invoice winning event, refer to the first picture A to the second picture B. The service host 30 is the electronic invoice service front-end host, and the service host 30 is to provide service event data M _SV , service The event data M _SV contains the code M _L and the event reference M _REF . The event in this embodiment is a unified invoice event, so the account L _A is the financial account 122 logged in by the bound user, and the code M _L is the event reference. M _REF is linked to the financial account 122. The event reference M _REF is the winning number and the winning amount. Therefore, the code M _L is a record containing the unified invoice number linked to the financial account 122, which is equivalent to the invoice carrier logged in by the user. Invoice record, so the service host 30 compares the code M _L with the event reference M _REF to further generate the financial event data M _EM of the account _LA ; the deposit account 62 is the deposit account 62 of the invoice winning event. On the 25th of the single month Before the number, a deposit amount data M _DP corresponding to the total amount of winning prizes corresponding to the invoice number is transmitted to the intermediary host 50, and is further transmitted to the inter-bank clearing host 40, and the clearing account 42 corresponding to the intermediary host 50 is cleared, thereby correspondingly generating financial data M _FD , and the service host 30 triggers the unified invoice redemption service event and generates the event reference M _REF of the corresponding service event data M _SV , thus initiating the unified invoice redemption service, and then generates the corresponding financial event data M _EM . After receiving the account information of the financial account 122 and the corresponding financial event data M _EM sent by the service host 30 and the financial data M _FD provided by the inter-bank clearing host 40, the inter-bank sending host 20 correspondingly generates at least one financial receiving data M _EA . It is provided to the corresponding at least one financial host 12, so that the corresponding financial host 12 receives the financial receipt data _MEA and transfers the corresponding credit amount to the financial account 122. The above is an agency service where a unified invoice is automatically redeemed and credited into the account, and a single account L _A is used as an example. However, the present invention is not only for a single account L _A , but can also support the instant crediting of multiple accounts L _A.

Another specific implementation is a lottery event for drawing red envelopes in the application. Refer to the first picture A to the second picture B. The service host 30 is a red envelope service front-end host, and the service host 30 is to provide service event data M _SV , service events. The data M _SV contains the code _ML and the event reference M _REF . The event in this embodiment is a lottery event, and the account L _A is bound to the financial account 122 logged in by the user on the service host 30. The code _ML is the event. The reference material M _REF is linked to the financial account 122. The event reference material M _REF is the red envelope serial number and the winning amount. Therefore, the code M _L is a record containing the red envelope serial number linked to the financial account 122, which is equivalent to the mobile payment account logged in by the user. The red envelope serial number record; the deposit account 62 is the deposit account 62 corresponding to the lottery event. In that month, a deposit amount data M _DP corresponding to the total winning prize of the lottery event will be transmitted to the intermediary host 50, and thus further transmitted to the interbank The clearing host 40 clears the clearing account 42 corresponding to the intermediary host 50, thus correspondingly generating financial data M _FD , and the service host 30 triggers the red envelope drawing event and generates the event reference M _REF of the corresponding service event data M _SV . , thus starting the red envelope redemption service, and then generating the corresponding financial event data M _EM . After receiving the account information of the financial account 122 and the corresponding financial event data M _EM sent by the service host 30 and the financial data M _FD provided by the inter-bank clearing host 40, the inter-bank sending host 20 correspondingly generates at least one financial receiving data M _EA . It is provided to the corresponding at least one financial host 12, so that the corresponding financial host 12 receives the financial receipt data _MEA and transfers the corresponding credit amount to the financial account 122. The above is the agency service that automatically deposits the red envelope into the account after drawing the red envelope, and takes a single account L _A as an example. However, the present invention is not only for a single account L _A , but can also support the instant account debit of multiple accounts L _A.

In addition, the service event data M _SV of the present invention can also correspond to salary events or lottery events, both of which are bulk transfer events in financial institutions.

To sum up, the inter-bank issuance system and method of the present invention use the inter-bank system to centrally process the issuance services, thus avoiding the problem of banks individually executing the issuance services and reducing the efficiency of allocations, and further providing corresponding services. Funds can be transferred to the corresponding account instantly, thus simplifying processing and It can speed up the payment speed, and can also help the government or financial institutions to increase the competitiveness of instant payment and save construction costs.

Therefore, this invention is indeed novel, progressive and can be used industrially. It should undoubtedly comply with the patent application requirements of my country’s Patent Law. I file an invention patent application in accordance with the law and pray that the Office will grant the patent as soon as possible. I am deeply grateful.

However, the above are only preferred embodiments of the present invention and are not intended to limit the scope of the present invention. All changes and modifications can be made equally in accordance with the shape, structure, characteristics and spirit described in the patent scope of the present invention. , should be included in the patent scope of the present invention.

S100-S120: Steps

Claims (9)

An inter-bank distribution method is applied to an inter-bank distribution host to execute an inter-bank distribution event based on service event data and a financial data of a service host. The service event data includes a code and an event reference. The steps of the sending method include: the service host triggers the inter-bank sending event and generates the event reference; the service host compares the code and the event reference based on the inter-bank sending event, and the code corresponds to an account of a financial host ; The service host generates a financial event data based on the comparison result between the inter-bank agency event and the code and the event reference, and the financial event data corresponds to the financial data; the service host combines the account information of the account and the financial The event data is transmitted to the inter-bank issuance host; an intermediary host receives deposit amount information corresponding to a deposit account of an issuing financial host, and the deposit amount information corresponds to the deposit amount of one of the deposit accounts; an inter-bank clearing host is based on The deposit amount data clears a clearing account corresponding to the intermediary host to generate the financial data and transmit it to the inter-bank sending host; the inter-bank sending host generates financial receiving data based on the financial event data and the financial data; the inter-bank sending host The sending host sends the financial receipt data to the financial host corresponding to the account; and the financial host generates the corresponding credit amount based on the financial receipt data and transfers it to the account. The inter-bank issuance method as described in claim 1, wherein the issuing financial host and the financial host are the same or different hosts. The inter-bank issuance method as described in claim 1, wherein the service host receives the code and an identification code based on at least one transaction event and records that the code corresponds to the account based on the identification code. The inter-bank distribution method as described in claim 1, wherein the service event data corresponds to a salary event, a lottery event, a lottery event or a prize redemption event. An inter-bank distribution system, which includes: at least one financial host with an account; and an inter-bank distribution host connected to a service host, which triggers an inter-bank distribution event and generates a corresponding event reference. The event The reference material is the reference material of the inter-bank agency event corresponding to a service event data. The service host compares a code with the event reference based on the inter-bank agency event. The inter-bank agency host compares the inter-bank agency event based on the inter-bank agency event and The comparison result between the code and the event reference generates financial event data corresponding to the account, and the inter-bank distribution host transmits the financial event data and the account information of the account to the financial host corresponding to the account. The inter-bank issuance system as described in claim 5 further includes: an inter-bank clearing host connected to the inter-bank issuance host; and an intermediary host connected to the inter-bank clearing host and an issuance financial host, and the intermediary host receives the issuance financial The deposit amount data corresponding to one of the deposit accounts of the host is sent to the inter-bank clearing host. The inter-bank clearing host clears a clearing account corresponding to the intermediary host based on the deposit amount data to generate financial data and send it to the inter-bank agent. Send host. The inter-bank issuance system as described in claim 6, wherein the issuing financial host and the financial host are the same or different hosts. The inter-bank issuance system as described in claim 5, wherein the service host receives the code and an identification code based on at least one transaction event and records that the code corresponds to the account based on the identification code. The inter-bank distribution system as described in claim 5, wherein the event reference and the code correspond to a salary event, a lottery event, a lottery event or a prize redemption event.