TWM563029U - Automatic device for processing account balance transfer amount and transferring electronic text - Google Patents

Abstract

An account balance transfer amount and transfer telegraph automation device, comprising a financial transaction system and a billing center server, the financial transaction system is connected to a client device through a network, and is electrically connected to the account center server . The financial transaction system receives a remittance transaction request from the client device, executes a foreign currency fund notification check at the time of the transaction, initiates a foreign currency fund notification procedure when the notification condition is met, and transmits a query transaction request to the account center server to query the fund. After allocating the estimated details and obtaining the status of the foreign account funds in the global account, the foreign currency fund notification information will be automatically checked and compared with the manually entered credit card information (excluding the amount that the branch has automatically notified by the system) According to the calculation of the amount of the debit and credit account of the current account, after the balance of the foreign currency funds of the current global account, the account transfer amount is automatically calculated according to the lower limit of the foreign currency balance of the account set by the customer, and the system automatically generates the relevant SWIFT message, and simultaneously produces the same amount. Transfer entries.

Description

Account balance transfer amount and transfer message automation device

This creative department is about an account balance transfer amount and the automatic transmission of teletext devices, especially one that can instantly know the status of foreign currency funds in the global account and automatically generate the relevant funds transfer SWIFT (Society for Worldwide Interbank Financial Telecommunication) message, especially Quick and effective management of the bank's funds transfer in various bank accounts around the world, to avoid the situation where the bank account funds are idle or insufficient funds lead to overdraft.

At present, corporate customers of banks often have a global reach, and therefore there is a need to apply for multiple financial accounts in different countries at home and abroad. For example, a parent company or a related person of a company opens a domestic account with a domestic bank, and opens a foreign account with its overseas branch, or a domestic or overseas subsidiary of a group customer, usually at a domestic branch of a bank and a foreign branch. Set up an account and apply for domestic and overseas local online banking services. Therefore, the accounts opened by customers at home and abroad are scattered among branches. When customers need to check the account funds or dispatch funds of local branches, they need to log in to the local online banking system to collect account information and then fund. Scheduling, and the fund scheduling also needs to take into account the transfer funds limit between the domestic account and the overseas account, as well as more complicated documentation. In this way, it is quite inconvenient for the customer to manage their accounts, and it is time-consuming and spirit-intensive to query and dispatch funds between the systems, which makes the whole operation more time-consuming and laborious. The above-mentioned practices do not provide a channel for group customers to obtain information on all subsidiaries' accounts in real time, and the transparency of the information is insufficient. As a result, the group customers have to spend considerable time, manpower to arrange funds, and handle internal pricing operations. In view of the fact that the prior art technology has made it impossible for banks to meet the needs of group customers for convenient, fast and instant fund scheduling, there is a clear lack of incentives for group customers to concentrate all their business on bank transactions. In the long run, there may be a delay in bank losses. Therefore, how to provide satisfaction The need for convenient, fast, and instant money scheduling is an important issue for customers. Therefore, the user-like users cannot meet the needs of the user in actual use.

The main purpose of this creation is to overcome the above problems encountered in the prior art and to provide a financial management department for the bank to transfer the financial funds of the global account. The financial management department of the bank can use this device to instantly know the global account. The foreign currency fund status and automatically generate the relevant funds to transfer the account balance of SWIFT message and transfer the automatic device. The secondary purpose of this creation is to provide a quick and effective management of the bank's funds transfer in various bank accounts around the world, to avoid the bank account transfer amount and the transfer of the text automatic device. . For the above purposes, the author is an account balance transfer amount and transfer telegraph automation device, which is connected to a client device through a network, which includes: a account center server, receiving a query transaction request, querying a fund transfer estimate detail and transmitting the fund transfer estimate detail; and a financial transaction system through which the client device is connected and electrically connected to the account center server, the financial transaction system including a processing module, a notification checking module, and a communication module, wherein the processing module is electrically connected to the notification checking module and the communication module, and the processing module receives a remittance from the client device The transaction request is executed by the notification verification module program during the transaction, and the foreign currency fund notification procedure is initiated when the notification condition is met, and the inquiry transaction request is transmitted to the account center server through the communication module, and Receiving the estimated amount of funds transfer from the account center server, and automatically obtaining the foreign currency funds after obtaining the status of the foreign account funds in the global account. Compared with the check-in data of the manual incoming branch call notification, the account balance is checked according to the invoiced amount of the inquiry, and then the current account foreign currency fund balance is calculated, and then the account transfer is automatically calculated according to the set account target foreign currency balance lower limit. The amount, the SWIFT message that automatically generates the relevant transfer, and the simultaneous production transfer entry. In the above embodiment of the present creation, the fund transfer estimation details include the same number, value day, the amount of the debit, the account number, and the transaction reference number. In the above embodiment of the present creation, the client device can be any one of a desktop computer, a notebook computer, a tablet computer, and a smart phone. In the above embodiment of the present creation, the financial transaction system automatically compares the foreign currency fund notification information with the manual input branch call notification and the debit data comparison check, which excludes the amount that the branch has automatically notified by the system.

Please refer to the "Figure 1 and Figure 2" for the account balance transfer amount and the block diagram of the transfer message automation device, and the deposit and withdrawal of the same account. The accounting center detailed query diagram. As shown in the figure: This creation is an account balance transfer amount and transfer message automation device, which comprises a financial transaction system 1 and a account center server 2. The financial transaction system 1 mentioned above is connected to a client device 3 via a network, and is electrically connected to the account center server 2. The financial transaction system 1 includes a processing module 11 , a notification checking module 12 , and a communication module 13 . The processing module 11 is electrically connected to the notification checking module 12 and the communication module 13 . The processing module 11 receives a remittance transaction request from the client device 3, and performs a foreign currency fund notification check by the notification verification module 12 during the transaction, and initiates a foreign currency fund notification procedure when the notification condition is met, and the communication is initiated. The module 13 transmits a query transaction request to the account center server 2, and the account center server 2 queries the fund transfer estimation details according to the query transaction request, and transmits the inquiry fund transfer estimation details to the financial transaction system. 1. After obtaining the status of the foreign account funds in the global account, the financial transaction system 1 automatically checks the information of the foreign currency funds and the credits of the manually entered branches to check the information (excluding the branches has been automatically notified by the system) The amount), according to the amount of the debit and credit account of the inquiry, after learning the balance of the current foreign currency fund of the global account, The lower limit of the target balance of foreign currency accounts automatically calculates the allocation amount for each account, to produce the relevant allocation of SWIFT (Society for Worldwide Interbank Financial Telecommunication) message, and at the same time production system of allocating entries automatically by the system. If so, a new account balance transfer amount and transfer electronic message automation device are constructed by the above disclosed structure. When used, the customer can communicate with the financial transaction system 1 via the Internet via any of the client devices 3 of the desktop computer, notebook computer, tablet computer, and smart phone to make a remittance transaction request (remittance) Alternatively, the customer may submit a remittance request (remittance) to the agent of a financial institution, and the remittance transaction request is input to the financial transaction system 1 by the agent. The financial transaction system 1 executes the foreign currency fund notification check at the time of the transaction, and initiates the foreign currency fund notification procedure (F3500) when the notification condition is met, and the financial transaction system 1 transmits a query transaction request to the account center server 2 to query the fund transfer estimate. Detail (same number, value day, credit amount, debit account number, and transaction reference number), launch account center server 2 query transaction (F0212) to obtain global account foreign currency funds debit account status, financial transaction system 1 Automatically compare the foreign currency fund notification information with the manual input branch call notification and the debit data comparison (excluding the amount that the branch has automatically notified by the system), and calculate the current global account foreign currency according to the invoiced amount of the inquiry. After the fund balance, the account transfer amount is automatically calculated according to the set account target foreign currency balance lower limit, and finally the financial transaction system 1 automatically generates the relevant transfer message (MT200, MT202, MT210), and simultaneously produces the transfer entry. The above-mentioned foreign currency fund notification is checked, and the notification conditions for the notification of the deposit and withdrawal of the deposit and withdrawal are as follows: 1. The definition of the classification of the account with the deposit: 1. US dollar "non-" disabled account: 01001, 01002, 01006, 01009, 01011 , 01012,01025,01026,01042,01056,01059,01070 and 01082, 01087. The US dollar accounts outside the above account are all “US dollar disabled accounts”. 2. Non-United States, Canada Area USD account: 01066,01070,01074,01098,01034,01051,01056,01099,01100, 01087. 3. Deadline for notification: 4 pm. Second, the automatic notification check conditions: 1. Save the same value date can automatically save the same with the debit account notification conditions (for J2000/J2002/J2003): (1) Before the deadline for notification of notification (before 4 pm): A. " US and Canada's US dollar account "or HKD#02037 account: value date is greater than or equal to this business day. B. Non-US, Canada regional US dollar accounts and other currency accounts (except Hong Kong dollar #02037 account): value date is greater than this business day. C. Exception: All currency accounts of Wuchang Branch (except for 01093, 01100 accounts): value date is greater than or equal to this business day. (2) Overdue notification deadline (after 4 pm): A. "US, Canada, US dollar account", Euro account or HKD#02037 Account: value date is greater than or equal to the second business day. B. Non-US, Canada regional US dollar accounts and other currency accounts (except Euro account and HKD#02037): value date is greater than the second business day. C. Exception: All currency accounts of Wuchang Branch (except for 01093 and 01100 accounts): value date is greater than or equal to the second business day. 2. Save the same value date can automatically save the same accounting conditions (for I3000/I3100): (1) Before the notification deadline (before 4 pm): All currency accounts: value date is greater than or equal to this business day . (2) Overdue notification deadline (after 4 pm): A. "US and Canada US dollar accounts" and Euro account: value date is greater than or equal to the second business day. B. Non-US, Canada regional US dollar accounts and other currency accounts (excluding Euro accounts): value date is greater than the second business day. 3. The transaction amount reaches the same level of deposit and deduction accounting standard: the single transaction amount of US dollar is greater than or equal to 100,000 US dollars or other cards foreign currency is greater than or equal to the equivalent US$10,000. Third, the J2000/J2002/J2003 transaction check rules: 1. Before the deadline for notification (before 4 pm (inclusive)) for "normal" transactions: (1) "US and Canada regional US dollar accounts" and "HKD#02037 account ": (according to the following A ~ B order) A. Save the same value date greater than or equal to this business day: a. US dollar #01003 account and "US dollar disabled account": allow automatic notification, "automatically save the same The Advance Account Notification field is preset to Y and can be modified. b. "US Dollar Non-Disabled Account" and "HK$#3737 Account": (a) Transaction amount up to US$100,000 or equivalent US$10,000: Allow automatic notification, "Do you want to automatically deposit and withdraw accounts" field, pre- Set to Y to modify. (b) The transaction amount is less than US$100,000 or the equivalent US$10,000: automatic notification is allowed, and the “Do you want to automatically save the same account” field, preset to N, can be modified. B. Save the same value date is less than this business day: automatic notification is forbidden, and the warning message is displayed, “The deposit is not the same as the value date. Please contact the Finance Department for funds transfer.” C. Compliance with the conditions of the debit and notification, and the automatic notification is selected, and the message is given regardless of the success or failure of the notification. (2) "Non-US, Canada regional US dollar account" and "Other currency account (except Hong Kong dollar #02037 account)": (According to the following A to B order) A. The same value date is greater than this business day: a. US dollar disabled account "and "Thai currency account": Allow automatic notification, "Do you want to automatically save the same as the debit account notification" field, the default is Y, can be modified. b. "US dollar non-disabled account" and other currency accounts (excluding Thai currency account and HKD#02037 account): (a) Transaction amount up to US$100,000 or equivalent US$10,000: Automatic notification is allowed, "Do you automatically save the same? The Advance Account Notification field is preset to Y and can be modified. (b) The transaction amount is less than US$100,000 or the equivalent US$10,000: automatic notification is allowed, and the “Do you want to automatically save the same account” field, preset to N, can be modified. B. Save the same value date is less than or equal to this business day: automatic notification is forbidden, and the warning message is displayed, “The deposit is not the same as the value date. Please contact the Finance Department for funds transfer.” C. Compliance with the conditions of the debit and notification, and the automatic notification is selected, and the message is given regardless of the success or failure of the notification. (3) The exceptions of (1) and (2) above, Wuchang Branch: (according to the following A to B order) A. The same value date is greater than or equal to this business day: a. US$01003 account, "US dollar disabled account "And "Thai currency account": Allow automatic notification, "Do you want to automatically save the same as the debit account notification" field, the default is Y, can be modified. b. "US dollar non-disabled account" and "remaining currency account": (a) The transaction amount is up to US$100,000 or equivalent US$10,000: automatic notification is allowed, "Do you want to automatically deposit the same with the debit account" field, pre- Set to Y to modify. (b) The transaction amount is less than US$100,000 or the equivalent US$10,000: automatic notification is allowed, and the “Do you want to automatically save the same account” field, preset to N, can be modified. B. Save the same value date is less than this business day: automatic notification is forbidden, and the warning message is displayed, “The deposit is not the same as the value date. Please contact the Finance Department for funds transfer.” C. Compliance with the conditions of the debit and notification, and the automatic notification is selected, and the message is given regardless of the success or failure of the notification. 2. Before the deadline for notification (before 4 pm (inclusive)) for "Correction" transactions: (1) "US and Canada US dollar accounts" and "HK$#3737 accounts": A. Save the same value date greater than Or equal to this business day: If the original automatic notification has been completed, the original automatic notification details will be deleted, and the prompt message will be given regardless of the success or failure of the deletion. B. Save the same value date is less than this business day: automatic notification is prohibited during normal trading, so there is no need to consider correcting the transaction. (2) "Non-US, Canada regional US dollar account" and "Other currency account (except Hong Kong dollar #02037 account)": A. Save the same value date greater than this business day: the original automatic notification has been completed, the original automatic notification is allowed to be deleted Details, regardless of the success or failure of the deletion, give a prompt message. B. The same as the value date is less than or equal to the business day: automatic notification is prohibited during normal trading, so there is no need to consider correcting the transaction. (3) The exceptions of (1) and (2) above, Wuchang Branch: A. The same value date is greater than or equal to the business day: the original automatic notification is allowed, the original automatic notification details are allowed to be deleted, regardless of the success or failure of the deletion. Give a reminder message. B. Save the same value date is less than this business day: automatic notification is prohibited during normal trading, so there is no need to consider correcting the transaction. 3. Exceeding the same reporting deadline (after 4 pm) for "normal" transactions: (1) "US, Canada regional US dollar account", Euro account and HKD#02037 account: A. "US$#003003 account" and "US dollar ban account": (According to the following a ~ c order) a. Save the same value date is greater than or equal to the second business day: Allow automatic notification, "Do you automatically save the same account debit account notification" field, the default is Y, Can be modified. b. Save the same value date is less than this business day: automatic notification is forbidden, and the warning message is displayed, “The deposit is not the same as the value date. Please contact the Finance Department for funds transfer.” c. The same value date is equal to the business day (ie, except for the above a, b): automatic notification is forbidden, and the warning message “The time for the notification of the same debit and debit has been posted, please report to the Finance Department of the Finance Department immediately”. B. "US dollar non-disabled account", Euro account and HKD#02037 account: (According to the following a ~ c order) a. Save the same value date is greater than or equal to the second business day: (a) The transaction amount up to US$100,000 or so Value US$10,000: Allow automatic notification, “Do you want to automatically save the same account”, the default is Y, can be modified. (b) The transaction amount is less than US$100,000 or the equivalent US$10,000: automatic notification is allowed, and the “Do you want to automatically save the same account” field, preset to N, can be modified. b. Save the same value date is less than this business day: automatic notification is forbidden, and the warning message is displayed, “The deposit is not the same as the value date. Please contact the Finance Department for funds transfer.” c. The same value date is equal to the business day (ie, except for the above a, b): (a) The transaction amount is up to US$100,000 or the equivalent US$10,000: automatic notification is prohibited, and the warning message “Already surpassed” Please inform the Finance Department of the Ministry of Finance immediately after debiting the notification time. (b) The transaction amount is less than US$100,000 or equivalent US$10,000: automatic notification is prohibited and no warning message is required. C. Compliance with the conditions of the debit and notification, and the automatic notification is selected, and the message is given regardless of the success or failure of the notification. (2) "Non-US, Canada regional US dollar account" and "Other currency account (except Euro account and HKD#02037 account)": A. "US dollar disabled account": (determined in the following a ~ c order) a. Same as value date is greater than the second business day: Allow automatic notification, "Do you want to automatically save the same as the debit account notification" field, the default is Y, can be modified. b. Save the same value date is less than the second business day: automatic notification is forbidden, and the warning message is displayed, “The deposit is not the same as the value date. Please contact the Finance Department for funds transfer.” c. The same value date is equal to the second business day (ie, except for the above a, b): automatic notification is forbidden, and the warning message “The time for the same debit and debit notification has been overwritten, please report to the Finance Department Clearing Division immediately”. B. "US dollar non-disabled account" and "other currency account (except euro account, HK#02037 account)": (according to the following a ~ c order) a. Save the same value date is greater than the second business day: (by following ( a) ~ (c) Order judgment) (a) Thai currency account: Allow automatic notification, "Do you want to automatically save the same account with the account notification" field, the default is Y, can be modified. (b) The transaction amount is up to US$100,000 or the equivalent US$10,000: automatic notification is allowed, and the “Do you want to automatically save the same account” field, the default is Y, which can be modified. (c) The transaction amount is less than US$100,000 or equivalent US$10,000: automatic notification is allowed, and the “Do you want to automatically save the same account” field, preset to N, can be modified. b. Save the same value date is less than the second business day: automatic notification is forbidden, and the warning message is displayed, “The deposit is not the same as the value date. Please contact the Finance Department for funds transfer.” c. The same value date is equal to the second business day (ie, except for the above a, b): automatic notification is forbidden, and the warning message “The time for the same debit and debit notification has been overwritten, please report to the Finance Department Clearing Division immediately”. C. Compliance with the conditions of the debit and notification, and the automatic notification is selected, and the message is given regardless of the success or failure of the notification. (3) With the exception of (1) and (2) above, Wuchang Branch: A. "US$#01003 Account" and "US Dollar Disabled Account": (determined in the following order a~c) a. Save the same value date greater than or equal to Second business day: Allow automatic notification, "Do you want to automatically save the same as the debit account notification" field, the default is Y, can be modified. b. Save the same value date is less than this business day: automatic notification is forbidden, and the warning message is displayed, “The deposit is not the same as the value date. Please contact the Finance Department for funds transfer.” c. The same value date is equal to the business day (ie, except for the above a, b): automatic notification is forbidden, and the warning message “The time for the notification of the same debit and debit has been posted, please report to the Finance Department of the Finance Department immediately”. B. "US dollar non-disabled account" and "remaining currency account": (based on the following a ~ c order) a. Save the same value date greater than or equal to the second business day: (in accordance with the following (a) ~ (c) order (a) Thai currency account: Allow automatic notification, "Do you want to automatically save the same as the debit account notification" field, the default is Y, can be modified. (b) The transaction amount is up to US$100,000 or the equivalent US$10,000: automatic notification is allowed, and the “Do you want to automatically save the same account” field, the default is Y, which can be modified. (c) The transaction amount is less than US$100,000 or equivalent US$10,000: automatic notification is allowed, and the “Do you want to automatically save the same account” field, preset to N, can be modified. b. Save the same value date is less than this business day: automatic notification is prohibited, and no warning message is required. c. The same value date is equal to the business day (ie, except for the above a, b): automatic notification is forbidden, and the warning message “The time for the notification of the same debit and debit has been posted, please report to the Finance Department of the Finance Department immediately.” C. Compliance with the conditions of the debit and notification, and the automatic notification is selected, and the message is given regardless of the success or failure of the notification. 4. Overdue and notification deadline (after 4 pm) for "Correction" transactions: (1) "US and Canada US dollar accounts" and "HK$#3737 accounts": A. Save the same value date greater than or equal to this Business Day: If the original automatic notification has been completed, it is forbidden to delete the original automatic notification details, and the warning message “The time of the same notification has been exceeded. The original deposit and withdrawal details cannot be deleted. Please contact the Finance Department's funds transfer personnel immediately.” B. Save the same value date is less than this business day: automatic notification is prohibited during normal trading, so there is no need to consider correcting the transaction. (2) "Non-US, Canada regional US dollar account" and "Other currency account (except Hong Kong dollar #02037 account)": A. The same value date is greater than this business day: the original automatic notification has been completed, the original automatic notification is forbidden to be deleted Detail, and display the warning message "The time of the same notification has been exceeded. The original deposit and withdrawal details cannot be deleted. Please contact the Finance Department's funds transfer personnel immediately." B. The same as the value date is less than or equal to the business day: automatic notification is prohibited during normal trading, so there is no need to consider correcting the transaction. (3) The exceptions of (1) and (2) above, Wuchang Branch: A. The same value date is greater than or equal to the business day: If the original automatic notification has been completed, it is forbidden to delete the original automatic notification details and display the warning message “ If the deposit is over the same as the notification time, the original deposit and withdrawal details cannot be deleted. Please contact the Finance Department's funds transfer personnel immediately. B. Save the same value date is less than this business day: automatic notification is prohibited during normal trading, so there is no need to consider correcting the transaction. IV. Checking rules for I3000 transactions: 1. Before the deadline for notification (before 4 pm (inclusive)) for “normal” transactions (determined in the following order (1) to (2)): (1) Value date is greater than or equal to this business day: A. The transaction amount is up to US$100,000 or equivalent US$10,000: Allow automatic notification, “Do you want to automatically save the same account”, the default is Y, can be modified. B. The transaction amount is less than US$100,000 or the equivalent US$10,000: automatic notification is allowed, and the “Do you want to automatically save the same account” field, the default is N, which can be modified. (2) Save the same value date is less than this business day: automatic notification is prohibited, and no warning message is required. (3) If the notification is met and the automatic notification is selected, a message will be given regardless of the success or failure of the notification. 2. Before the deadline for notification (before 4 pm (inclusive)) For “corrected” transactions: (1) The same value date is greater than or equal to the business day: the original automatic notification is allowed, the original automatic notification details are allowed to be deleted. , whether the deletion succeeds or fails, give a prompt message. (2) Save the same value date is less than this business day: automatic notification is prohibited during normal trading, so there is no need to consider correcting the transaction. 3. Exceeding the same notification deadline (after 4 pm) for “normal” transactions: (1) “US and Canada US dollar accounts” and “Euro account”: (according to the following A to C order) A. Same as value date is greater than or equal to the second business day: a. The transaction amount is up to US$100,000 or the equivalent of US$10,000: Allow automatic notification, “Do you want to automatically save the same account”, the default is Y, you can modify . b. The transaction amount is less than US$100,000 or Euro equivalent US$10,000: Allow automatic notification, “Do you want to automatically deposit and transfer the account notification” field, the default is N, can be modified. B. Save the same value date is less than this business day: automatic notification is prohibited, and no warning message is required. C. The same value date is equal to the business day: a. The transaction amount is up to US$100,000 or the euro is equivalent to US$10,000: automatic notification is forbidden, and the warning message “The time for the same debit and debit has been announced, please report the financial immediately. Ministry of Finance and Accounting. b. The transaction amount is less than US$100,000 or Euro equivalent of US$10,000: automatic notification is prohibited and no warning message is required. (2) "Non-US, Canada regional US dollar account" and "Other currency account (except Euro account)": (in order of A to C) A. Save the same value date is greater than the second business day: a. The transaction amount is up to US dollars 100,000 or odd currency equivalent US$10,000: Allow automatic notification, "Do you want to automatically save the same account with the debit account" field, the default is Y, can be modified. b. The transaction amount is less than US$100,000 or the equivalent of USD 10,000: Allow automatic notification. The “Do you want to automatically save the same account” field, preset to N, can be modified. B. Save the same value date is less than this business day: automatic notification is prohibited, and no warning message is required. C. The same value date is equal to the business day or the second business day: a. The transaction amount is up to US$100,000 or the equivalent of USD 10,000: automatic notification is forbidden, and the warning message “Overdue debit and debit notification time” is displayed. Please report to the Finance Department of the Finance Department immediately." b. The transaction amount is less than US$100,000 or the equivalent of USD 10,000: automatic notification is forbidden and no warning message is required. (3) If the notification is met and the automatic notification is selected, a message will be given regardless of the success or failure of the notification. 4. Overdue and notification deadline (after 4 pm) for “corrected” transactions: (1) “US and Canada US dollar accounts” and “Euro account”: A. Save the same value date is greater than or equal to this business day : If the original automatic notification has been completed, it is forbidden to delete the original automatic notification details, and the warning message “The time of the same notification has been exceeded. The original deposit and withdrawal details cannot be deleted. Please contact the Finance Department's funds transfer personnel immediately.” B. Save the same value date is less than this business day: automatic notification is prohibited during normal trading, so there is no need to consider correcting the transaction. (2) "Non-US, Canada regional US dollar account" and "Other currency account (except Euro account)": A. Save the same value date greater than or equal to this business day: If the automatic notification has been completed, it is forbidden to delete the original automatic notification. Detail, and display the warning message "The time of the same notification has been exceeded. The original deposit and withdrawal details cannot be deleted. Please contact the Finance Department's funds transfer personnel immediately." B. Save the same value date is less than this business day: automatic notification is prohibited during normal trading, so there is no need to consider correcting the transaction. V. I3100 transaction check rules: Because it is a batch operation mode, the “Do you want to automatically deposit and receive account notification” field only allows the whole batch to be preset to Y, or preset to N, the system will be based on the I3000 transaction notification conditions. The pen judges whether automatic notification is allowed. 6. Checking rules for I3001 transactions: Determine whether the original I3000 transaction has completed the automatic deposit and payment notification. If it is, it is forbidden to delete the notification details and display the warning message "The next day the original automatic receipt notification will not be deleted, please immediately Contact the Finance Department's funds transfer staff." 7. Checking rules for I5000 transactions: 1. Before the deadline for notification (before 4 pm (inclusive)): (1) If the original I3000 transaction did not complete the automatic deposit and reconciliation announcement, or I5000 did not modify VALUE DATE If the original I3000 transaction has completed the automatic deposit and payment notification, and the I5000 has modified VALUE DATE, it will be handled according to the following conditions: (2) According to whether the original I3000 trading day and I5000 trading day are the same, it can be deleted: A. The original I3000 trading day is less than I5000 business day: It is forbidden to delete the original automatic notification details, and display the warning message "Overdue modification of the remittance main file, the original automatic reinstatement details can not be deleted, immediately contact the Finance Department funds transfer personnel." B. The original I3000 trading day is equal to the business day of I5000: the original automatic notification details are allowed to be deleted, and the prompt message is given regardless of the success or failure of the deletion. (3) If the original notification details cannot be deleted after the above judgment (2), no new notification details will be automatically generated; if it has been deleted, it is necessary to judge whether the deposit should be made according to the value date modified by I5000: A The deposit is the same as the value date is less than the business day: you can not make the deposit notice. B. The same value date is greater than or equal to the business day: the deposit should be made to the same account, and the message “The same as the account posting has been deleted, please make a deposit with F3500”. 2. Exceeding the same notification deadline (after 4 pm): (1) Determine whether the original I3000 transaction has completed the automatic deposit and reconciliation notification. If it is, it is forbidden to delete the original automatic notification details and display the warning message “There has been overdue At the time of the billing and reporting, the original automatic billing details cannot be deleted, and immediately contact the financial department's funds transfer personnel. Eight, F3500 transaction check rules: 1. Description: F3500 transaction value date limit can not be less than the trading day, so "value date is less than this business day" will not happen. 2. Before the deadline for notification (before 4 pm (inclusive)) for "normal" transactions: (1) Debit: A. "US, Canada, US dollar account" and "HK$#3737 account": value date Greater than or equal to this business day: Allow login notification. B. "Non-US, Canada regional US dollar account" and other currency accounts (except Hong Kong dollar #02037 account): a. value date is greater than this business day: login notification is allowed. b. value date is equal to this business day: it is forbidden to enter the transaction, and the error message "X280 condition does not match the transaction, the value date does not meet the notification conditions, please contact the finance department funds transfer personnel". (2) Advance: value date is greater than or equal to this business day: login notification is allowed. (3) Exception, Wuchang Branch can enter value today:value date is greater than or equal to this business day: allow login notification. 3. Before the deadline for notification (before 4 pm (inclusive)) for “Correction” transactions: (1) Debit: A. “US and Canada US dollar accounts” and “HK$#3837 accounts”: value date Greater than or equal to this business day: Allow correction of the transaction, ie delete the original notification details. B. "Non-US, Canada regional US dollar account" and other currency accounts (except Hong Kong dollar #02037 account): value date is greater than this business day: the transaction is allowed to be corrected, that is, the original notification details are deleted. (2) Advance: value date is greater than or equal to this business day: the transaction is allowed to be corrected, that is, the original notification details are deleted. (3) Exception, Wuchang Branch can enter value today:value date is greater than or equal to this business day: allow correction of the transaction, that is, delete the original notification details. 4. Exceeding the same notification deadline (after 4 pm): Except for the Finance Department, it is forbidden to enter this transaction. IX. In accordance with the conditions for the notification of the debit and credit, and the automatic notification, the notification and the deletion, regardless of success or failure, are given the following message: (1) Notification details: A. Success: “This transaction has been completed automatically. Account reporting operation. B. Failure: "This transaction is automatically saved in the same way as the debit and debit account notification operation. If it is not completed, please do the F3500 deposit and withdrawal with the debit and debit to report the head office transaction." (2) Delete details: A. Success: “The original auto deposit and debit account notification details have been deleted”. B. Failure: "The original automatic deposit and withdrawal debit account notification details cannot be deleted. Please call the Finance Department's Clearing House." The above fund transfer projections are as shown in Figure 2, and the specifications are as follows: Table 1 The above system automatically calculates the amount of each account transfer according to the set account target foreign currency balance lower limit, which is described as follows: The following settings are required in Calypso: Step 1: Minimum amount on the account; Step 2: Minimum transfer unit; and Step 3: Transfer route (ie tune into the line). After setting, the system will calculate whether the balance of the account is greater than the minimum amount on the account. If it is greater than, the amount to be dialed will be calculated according to the minimum transfer unit, and the money will be transferred to the transfer line set in step 3. The above list of accounting transfer entries is as follows: (1) Fund transfer processing 1. Automatic transfer: (1) Set the upper limit, lower limit and transfer path of each deposit target in Account Sweeping Configure. The transfer transaction can be automatically generated according to the target balance setting. When the system generates an automatic transfer transaction, the balance exceeds the upper and lower limits. (2) Schedule Task Sets the TARGET BALANCE schedule, and the system will automatically generate the transfer transaction according to the target balance setting. If there is a sequence of transfer paths, you can set multiple transfer schedules. 2. Manual Transfer: If the account cannot be automatically transferred, you can also manually enter the Transfer Agent transaction. 3. When transferring the production status of the electronic message: According to the following table (Table 2), the relevant communication message is produced. Table II 4. Transfer the message transmission mode: In the MSG field on the fund transfer transaction, check the message without sending the message. (2) CBFD-003: Accounting treatment 1. Accounting subjects: (1) Deposit or associate with equivalent subjects: as shown in Table 3. Table 3 2. Transfer accounting entries: (1) Inter-bank: As shown in Table 4. Table 4 To sum up, this creation is an account balance transfer amount and transfer telegraph automation device, which can effectively improve the shortcomings of the application. It can be used in the financial management department of the bank to transfer the global account financial funds. The financial management department of the bank uses the device. It can instantly know the status of foreign currency funds in the global account and automatically generate relevant funds to transfer SWIFT messages, which can quickly and effectively manage the funds transfer of banks in various bank accounts around the world, so as to avoid overdrafts caused by idle bank funds or insufficient funds. In turn, the creation of this creation can be more progressive, more practical, and more in line with the needs of users. It has indeed met the requirements of the new patent application, and has filed a patent application according to law. However, the above descriptions are only preferred embodiments of the present invention, and the scope of the present invention cannot be limited by this; therefore, the simple equivalent changes and modifications made by the scope of the patent application and the contents of the new manual are All should remain within the scope of this creation patent.

1‧‧‧Financial Trading System 11‧‧‧Processing Module 12‧‧‧Notice Checking Module 13‧‧‧Communication Module 2‧‧‧Accounting Center Server 3‧‧‧Client Device

Figure 1 is a block diagram of the account balance transfer amount and the automatic transfer device of a specific embodiment of the present invention. Fig. 2 is a schematic diagram of a detailed inquiry of the deposit and withdrawal account book center of a specific embodiment of the present invention.

Claims (4)

An account balance transfer amount and transfer telegraph automation device is connected to a client device through a network, and includes: a account center server, which receives a query transaction request, queries a fund transfer estimation detail, and transmits the account a fund transfer estimation detail; and a financial transaction system through which the client device is connected and electrically connected to the account center server, the financial transaction system including a processing module and a notification check mode And a communication module, wherein the processing module is electrically connected to the notification checking module and the communication module, and the processing module receives a remittance transaction request from the client device, and the notification is sent during the transaction The verification module program performs the foreign currency fund notification check, and initiates the foreign currency fund notification procedure when the notification condition is met, and transmits the inquiry transaction request to the account center server through the communication module, and receives the account from the account center server. Estimated details of the funds transfer, after obtaining the status of the foreign account funds in the global account, automatically report the foreign currency funds to the information and manually enter the branch call The deposit and withdrawal debit data comparison check, according to the invoiced account amount calculated to know the current global account foreign currency fund balance, and then automatically calculate the account transfer amount according to the set account target foreign currency balance lower limit, automatically generate relevant transfer SWIFT (Society for Worldwide Interbank Financial Telecommunication) message, and simultaneous production transfer entries. According to the account balance transfer amount mentioned in the first paragraph of the patent application scope and the transfer of the automatic message device, wherein the fund transfer estimation details include the same number, value day, the amount of the debit, the debit account, and the transaction reference number. . The account balance transfer amount and the transfer of the automatic message device according to the first application of the patent scope, wherein the client device can be any one of a desktop computer, a notebook computer, a tablet computer, and a smart phone. . According to the account balance transfer amount mentioned in item 1 of the patent application scope and the transfer of the automatic message device, wherein the financial transaction system automatically compares the foreign currency fund notification information with the manual input branch call notification and the debit data comparison check. Excludes the amount that the branch has automatically notified by the system.