TWM566369U - Centralized processing system for bill and remittance - Google Patents

Abstract

A centralized processing system for bills and remittances includes a bill collection system and a remittance system. The bill collection system is communicatively connected to the network, and is used to communicate with the branch workstation to receive bill data containing bill images, and output corresponding billing processing messages to the billing system accordingly. The remittance system is communicatively connected to the network, and is used to communicate with the branch workstation to receive remittance data containing the image of the remittance slip, and output remittance message to the central host. The centralized processing system for bills and remittances is implemented using a centralized system architecture, which can effectively use computer computing resources to improve the efficiency of bills and remittances processing.

Description

Centralized processing system for bills and remittances

This creation is about an information processing system, and more specifically about a centralized processing system for bills and remittances.

At present, the business units of financial institutions standardize and mass deposit operations. The collection of bills, remittances, and new account opening operations occupy the most manpower. Because these tasks are mainly manual entry of login operations, it is a waste of time and labor. It is imperative to streamline manpower, improve operational efficiency, reduce manpower costs, and improve management efficiency. However, in the information system architecture of a known financial institution, each business unit such as a branch must set up its own operating machines and computer workstations for bill collection, remittance, etc. As a result, branches must be equipped with a large number of personnel for related operations And the operation of operating machines, computer workstations. Such an information system architecture needs to be further improved, thereby helping to effectively use computer computing resources to improve the overall efficiency of bill collection and remittance operations.

One of the purposes of this creation is to propose a centralized processing system for bills and remittances, which uses a centralized system architecture to effectively use computer computing resources to improve the efficiency of bills and remittances processing.

In order to achieve at least the above-mentioned purpose, the author proposes a centralized processing system for bills and remittances, which includes a bill collection system and a remittance system. The bill collection system is communicatively connected to the network, and is used to communicate with the branch workstation to receive bill data containing bill images, and output corresponding billing processing messages to the billing system accordingly. The remittance system is communicatively connected to the network, and is used to communicate with the branch workstation to receive remittance data containing the image of the remittance slip, and output remittance message to the central host.

In one embodiment, the bill collection system is used for image recognition and inspection of the bill image of bill data, so as to output corresponding account processing information to the billing system.

In one embodiment, the bill collection system includes a bill application server, a bill data server, a bill image server, and a bill identification server. The bill application server is communicatively connected to the network, and is used to communicate with the branch workstation to receive bill data, and output corresponding accounting processing messages to the accounting system accordingly. The ticket data server is communicatively connected to the ticket application server and is used to store the ticket data. The ticket image server is communicatively connected to the ticket application server and is used to store the ticket image. The bill recognition server is communicatively connected to the bill image server and the bill data server, and is used for image recognition of the bill image.

In one embodiment, the bill collection system further includes a bill reading key printer, and the bill reading key printer is communicatively connected to the bill application server.

In one embodiment, the bill collection system further includes a work station, and the work station is communicatively connected to the bill application server.

In one embodiment, the remittance system is used to perform image recognition on the remittance slip image of the remittance data for image recognition and inspection, so as to output corresponding remittance message information to the central host.

In an embodiment, the remittance system further includes a remittance application server, a remittance data server, and a remittance slip identification server. The remittance application server is communicatively connected to the network, and is used to communicate with the branch workstation to receive remittance data, and accordingly output corresponding remittance message information to the central host. The remittance data server is communicatively connected to the remittance application server and is used to store remittance data. The remittance slip identification server is communicatively connected to the remittance data server, and is used for image recognition of the remittance slip image.

In one embodiment, the remittance system further includes a work station, and the work station is communicatively connected to the remittance application server.

In an embodiment, the remittance system further includes a test server, and the test server is communicatively connected to the remittance application server and the bill collection system, and is used to test the remittance system and bill collection system.

In an embodiment, the network is an internal network of a financial institution, and the internal network is at least one or a combination of a broadband network, a fiber optic network, a wireless local area network, and a local area network.

Thus, the embodiment of the centralized processing system for bills and remittances utilizes a centralized system architecture, which can effectively utilize computer computing resources to improve the efficiency of bills and remittances processing.

In order to fully understand the purpose, features, and effects of this creation, we will use the following specific examples and the accompanying drawings to explain this creation in detail, as described below:

In order to simplify the operation of bills and remittances in various business units in financial institutions, this creation provides a centralized processing system for bills and remittances 10. Please refer to FIG. 1, which is a schematic block diagram of an embodiment of a bill and remittance centralized processing system 10 in an application scenario. As shown in Figure 1, business units (such as branches) of financial institutions and head office related units use branch workstations 20 to scan scanned collection documents AN or remittance documents BN to output bill information containing bill images or remittances containing remittance document images Data, and transfer the bill data or remittance data to the bill and remittance centralized processing system 10 through the network for centralized operation and inspection. After the bill and remittance centralized processing system 10 performs data input and inspection operations, the bill processing information corresponding to the bill data is output to the billing system 80, or the remittance message corresponding to the remittance data is output to the central host 90. The accounting system 80 is an information system used by financial institutions to perform debits and deposits based on account processing information, or may be used to transmit account processing information to a clearing house for debits and deposits. The central host 90 can be used for external communication to forward the message to the outside, such as further transmitting the remittance message to the remittance bank. In addition, the branch workstation 20 is, for example, a scanning workstation located in a business unit (such as a branch) of a financial institution. The scanning workstation is a computer system or a dedicated machine, and is configured with a bill reader, a remittance slip image scanner, or a combination thereof. Used to convert bills or money orders into image data.

In addition, in practice, financial institutions can set up an operation center based on the centralized processing system for bills and remittances 10, and can cooperate with personnel to perform operations such as login, review, release, and provide centralized management of bill collection and physical exchange operations And other functions, and at the same time cope with the operational needs of financial institutions to process related business application functions in batch or real-time connection. However, the realization of this creation is not limited by this example.

As shown in FIG. 2, the bill and remittance centralized processing system 10 includes a bill collection system 100 and a remittance system 200. The bill collection system 100 is communicatively connected to the network 50, and is used to communicate with the branch workstation 20 to receive bill data including bill images, and to output corresponding accounting processing messages to the billing system 80 accordingly. The remittance system 200 is communicatively connected to the network 50 and is used to communicate with the branch workstation 20 to receive remittance data including the image of the remittance slip, and to output remittance message to the central host 90 accordingly. In an embodiment, the network 50 is an internal network 50 of a financial institution, and the internal network 50 is at least one or a combination of a broadband network 50, a fiber optic network 50, a wireless local area network 50, and a local area network 50. . In the internal network 50, a workstation or server can not only use network resources in a local area network, but also can remotely access the financial institution's internal network 50 through a firewall and router. However, the realization of this creation is not limited by this example.

Please refer to FIG. 3, which is a schematic block diagram of an embodiment of the bill collection system of FIG. 2. As shown in FIG. 3, in an embodiment, the bill collection system 100 includes a bill application server 110, a bill data server 120, a bill image server 130, and a bill identification server 140. The bill application server 110 is communicatively connected to the network 50, and is used to communicate with the branch workstation 20 to receive bill data, and accordingly output corresponding bill processing messages to the billing system 80. The bill data server 120 is communicatively connected to the bill application server 110 and is used to store bill data. For example, the bill data database 125 is used to store bill data. The ticket image server 130 is communicatively connected to the ticket application server 110 and is used to store the ticket image. For example, the ticket image database 135 is used to store the ticket data. In addition, the bill image database 135 may also store other data such as a seal image or a signature image of a user of a financial institution. The bill application server 110 may check whether the stamp on the bill, such as a check, is correct according to the seal image or the signature image. The bill identification server 140 is communicatively connected to the bill image server 130 and the bill data server 120, and is used for image recognition of the bill image. After the bill recognition server 140 performs image recognition on the bill image, it can generate accounting-related information such as a credit account number, a credit amount, a debit account number, and a debit amount. The bill application server 110 can use the bill related To generate corresponding billing information.

In an embodiment, the bill collection system 100 is used for image recognition of bill images of bill data to output accounting data, and check the billing data, and output corresponding billing results when the check result of the billing data is correct. Process the message to the accounting system 80. For example, the seal or signature data of the bill corresponding to the account information is the same as the seal or signature data recorded by the bill application server 110, and the information in the bill corresponding to the account information meets the confirmation requirements (in accordance with the relevant regulations or conditions prescribed by the bank) ), It is judged that the check result of the account information is correct. In some embodiments, the method and judgment conditions for manually confirming the bill by a financial institution can be computer-programmed by the bill application server 110, bill data server 120, bill image server 130, or bill recognition server 140. To implement to verify that the check result of the accounting information is correct.

In addition, in some embodiments, in addition to the centralized bill collection operation of the branch, the bill collection system 100 can also use the bill collection system 100 to perform a centralized scanning operation (or a collection Bill collection center), bill collection operations, local port bill collection operations, local port bill submission operations, foreign port bill submission operations, foreign port bill cancellation operations, extension or withdrawal application operations, and day-end settlement operations At least one of the tasks, or a combination thereof. With the centralized processing system 10 for bills and remittances, the above-mentioned operations originally performed by multiple branches have been transferred to the bill collection system 100 for centralized processing, which can greatly reduce the calculation information of the branches on the information system. And the workload of each branch's staff can be reduced. This will help the branch's original computer computing resources to be redistributed and applied to operations or businesses with higher added value, thereby enabling financial institutions Improved overall performance. However, the realization of this creation is not limited by the above examples.

Please refer to FIG. 4, which is a schematic block diagram of an embodiment of the bill collection system of FIG. 2. As shown in FIG. 4, in an embodiment, the bill collection system 100 may further include a magnetic ink character recognition (MICR) device 150, which is communicatively connected to the bill application server 110. The bill reading key printer 150 can be used to perform a centralized scanning operation for collecting bills (or a scanning operation for collecting bills in the collection center), and perform an automatic scanning operation on a plurality of physical bills.

In one embodiment, the bill collection system 100 may further include a work station 160 which is communicatively connected to the bill application server 110. In practice, the bill collection system 100 can operate automatically or can cooperate with the operation of personnel. For example, the staff monitors or confirms the registration, billing, and review through the work station 160 with the assistance of the bill collection system 100. , Release operations.

In an embodiment, the remittance system 200 is used for image recognition of the remittance slip image of the remittance data to output detailed data, and check the detailed data, and output a corresponding remittance message to the central host when the check result of the detailed data is correct. 90. For example, the remittance slip image may be a scanned image of a bill of exchange, letter of exchange, or wire transfer.

Please refer to FIG. 5, which is a schematic block diagram of an embodiment of the remittance system of FIG. 2. As shown in FIG. 5, in an embodiment, the remittance system 200 includes a remittance application server 210, a remittance data server 220, and a remittance slip identification server 230. The remittance application server 210 is communicatively connected to the network 50, and is used to communicate with the branch workstation 20 to receive remittance data, and output corresponding remittance telegram messages to the central host 90 accordingly. The remittance data server 220 is communicatively connected to the remittance application server 210 and is used to store remittance data. For example, the remittance database 225 is used to store the remittance data. The remittance slip identification server 230 is communicatively connected to the remittance data server 220 and is used for image recognition of the remittance slip image. The remittance slip identification server 230 can perform image recognition on the image of the remittance slip, and can generate remittance-related information such as the payee's bank name and account, the amount of the remittance, and the name of the payee. The remittance application server 210 can use it Remittance related information to generate a corresponding remittance message.

In an embodiment, the remittance system 200 is used for image recognition of the remittance slip image of the remittance data to output detailed data, and check the detailed data, and output a corresponding remittance message to the central host when the check result of the detailed data is correct. 90. For example, the remittance slip image may be a scanned image of a bill of exchange, letter of exchange, or wire transfer. In some embodiments, the method and judgment conditions for manually confirming the remittance of the financial institution can be implemented by a computerized program of the remittance application server 210, remittance data server 220, and remittance slip identification server 230, thereby Verify that the details check result is correct.

Please refer to FIG. 6, which is a schematic block diagram of another embodiment of the remittance system of FIG. 2. As shown in FIG. 6, in an embodiment, the remittance system 200 further includes a work station 250. The work station 250 is communicatively connected to the remittance application server 210. There may be a plurality of work stations 250, such as a landing station used as a landing station and a release station used as a release station. For example, a worker monitors or confirms registration, review, and release operations through the work station 250 with the assistance of the remittance system 200.

In an embodiment, the remittance system 200 may further include a test server 260. The test server 260 is communicatively connected to the remittance application server 210 and the bill collection system 100 and is used to test the remittance system 200 and the bill collection system 100. For example, the test server 260 may configure a test program to process the data of the simulated remittance or bill collection by using the remittance system 200 and the bill collection system 100, and check whether the processing result is correct, thereby verifying the remittance system 200 and The validity and correctness of the bill collection system 100.

Please refer to FIG. 7, which is a schematic block diagram of an embodiment of a computing device. The various servers described in this specification can be implemented based on the computing device 300. As shown in FIG. 7, an embodiment of the computing device 300 includes a network unit 310 and a data processing unit 320. The network unit 210 is configured to perform network 50 communication. The data processing unit 320 is electrically coupled to the network unit 310. The network unit 310 may be a wireless or wired communication module, for example, used to establish a communication link with at least one of a broadband network, an optical fiber network, a wireless local area network, and a mobile communication network to communicate with the network 50. The data processing unit 320 is a microprocessor, a microcontroller, or any circuit with control or operation functions. In addition, the computing device 300 may further include a storage unit 330, such as a memory device, a database, or a cloud storage space or a combination thereof. However, the realization of this creation is not limited by the above examples.

Thus, the embodiment of the centralized processing system for bills and remittances utilizes a centralized system architecture, which can effectively utilize computer computing resources to improve the efficiency of bills and remittances processing. With the centralized processing system for bills and remittances, the above-mentioned operations originally performed by multiple branches have been transferred to the collection bill system for centralized processing, which can greatly reduce the operational information of the branches on the information system. Burden, and the workload of each branch's staff can also be reduced, which helps to re-allocate and apply the branch's original computer computing resources for use in operations or businesses with higher added value, thereby enabling the financial institution as a whole Improved efficiency.

This creation has been disclosed above with a preferred embodiment, but those skilled in the art should understand that this embodiment is only used to describe this creation, and should not be interpreted as limiting the scope of this creation. It should be noted that all changes and substitutions equivalent to this embodiment should be included in the scope of this creation. Therefore, the scope of protection of this creation shall be defined by the scope of the patent application.

10‧‧‧Bills and remittance centralized processing system
20‧‧‧ Branch Workstation
50‧‧‧Internet
80‧‧‧Accounting System
90‧‧‧ center host
100‧‧‧ collection notes system
110‧‧‧Ticket Application Server
120‧‧‧Ticket Information Server
125‧‧‧ Bill Database
130‧‧‧Ticket image server
135‧‧‧Note Image Database
140‧‧‧Ticket Identification Server
150‧‧‧Bill Reading Key Printer
160‧‧‧Working station
200‧‧‧ Remittance System
210‧‧‧Remittance Application Server
220‧‧‧Remittance Data Server
225‧‧‧Remittance Database
230‧‧‧ Money Order Identification Server
250‧‧‧Working Station
260‧‧‧test server
300‧‧‧ Computing Device
310‧‧‧ Network Unit
320‧‧‧Data Processing Unit
330‧‧‧Storage Unit
AN‧‧‧ Collection note
BN‧‧‧ Remittance Document

[Figure 1] It is a schematic block diagram of one embodiment of a centralized processing system for bills and remittances in an application scenario. [Figure 2] It is a schematic block diagram of an embodiment of a centralized processing system for bills and remittances in an application scenario. [Fig. 3] A schematic block diagram of an embodiment of the bill collection system of Fig. 2. [Fig. [Fig. 4] A schematic block diagram of another embodiment of the bill collection system of Fig. 2. [Fig. [Fig. 5] A schematic block diagram of an embodiment of the remittance system of Fig. 2. [Fig. [Fig. 6] is a schematic block diagram of another embodiment of the remittance system of Fig. 2. [Fig. [Fig. 7] A schematic block diagram of an embodiment of a computing device.

Claims (10)

A centralized processing system for bills and remittances, which includes: a bill collection system that is communicatively connected to a network for communicating with a branch workstation to receive bill data containing bill images and output a corresponding one of the bills accordingly. Transaction processing information to an accounting system; and a remittance system, which is communicatively connected to the network for communicating with the branch workstation to receive remittance data containing remittance slip images and output remittance message information to a central host . The bill and remittance centralized processing system as described in claim 1, wherein the bill collection system is used for image recognition and inspection of the bill image of the bill data, so as to output the corresponding account processing information to the account system . The bill and remittance centralized processing system as described in claim 1, wherein the bill collection system includes: a bill application server, which is communicatively connected to the network for communicating with the branch workstation to receive the bill data, And output the corresponding account processing information to the accounting system accordingly; a bill data server, which is communicatively connected to the bill application server, for storing the bill data; a bill image server, which is communicatively connected to the bill An application server is used to store the ticket image; a ticket identification server is communicatively connected to the ticket image server and the ticket data server for image recognition of the ticket image. The bill and remittance centralized processing system according to claim 3, wherein the bill collection system further includes: a bill reading key printer, which is communicatively connected to the bill application server. The centralized processing system for bills and remittances according to claim 3, wherein the bill collection system further includes: a work station, which is communicatively connected to the bill application server. The centralized processing system for bills and remittances as described in claim 1, wherein the remittance system is used for image recognition and inspection of the remittance slip image of the remittance data, so as to output corresponding remittance message information to the central host. The centralized processing system for bills and remittances as described in claim 1, wherein the remittance system includes: a remittance application server, communicatively connected to the network, and used to communicate with the branch workstation to receive the remittance data, and according to Output the corresponding remittance message to the central host; a remittance data server that communicates with the remittance application server to store the remittance data; a remittance slip identification server that communicates with the remittance data server To identify the image of the remittance slip. The centralized processing system for bills and remittances as described in claim 7, wherein the remittance system further includes: a work station, which is communicatively connected to the remittance application server. The centralized processing system for bills and remittances as described in claim 7, wherein the remittance system further includes: a test server, which is communicatively connected to the remittance application server and the bill collection system for testing the remittance system and the Collection notes system. The centralized processing system for bills and remittances as described in claim 1, wherein the network is an internal network of a financial institution, and the internal network is a broadband network, a fiber optic network, a wireless local area network, and a local area network At least one of them or a combination thereof.