TWM585943U - Financial server unit - Google Patents

Abstract

A financial server unit includes multiple financial service servers and a quota management server. When one of the financial service servers serving as a target server receives a remittance request from a terminal electronic device and corresponds to a remittance transaction, it sends an amount check request to the quota management server, Among them, the remittance request and the amount check request include an outgoing account number and a remittance amount. The quota management server adds the remittance amount to a cumulative amount to generate a cumulative result. When it is determined that the accumulated result is greater than a predetermined quota, the quota management server sends an excess notification to the target server. When receiving the excess notification, the target server does not execute the remittance transaction and sends the excess notification to the terminal electronic device.

Description

Financial server unit

The invention relates to a server unit, in particular to a financial server unit.

Corporate customers of banks often have the need to remit funds. At present, banks provide many different channels for customers to perform remittances, such as through online banking, through branch counters, through mobile apps, and so on.

Corporate customers need to control the amount of remittances, but the more remittance channels, the more difficult it is to control. Therefore, how to develop a new server unit to facilitate customer control over remitted funds has become the subject of this new type of discussion.

Therefore, an object of the present invention is to provide a financial server unit.

Therefore, the new financial server unit is suitable for communicating with a terminal electronic device. The financial server unit includes a plurality of financial service servers and a credit management server. The financial services servers are adapted to communicate with the terminal electronic device. The quota management server is electrically connected to the financial service servers, and stores a quota management data corresponding to an export account of a customer. The quota management data includes a pipeline list, a predetermined quota and a cumulative amount. The channel list contains server identification data corresponding to each of the financial service servers.

When one of the financial service servers serves as a target server, the financial service server receives a remittance request from the terminal electronic device and corresponds to a remittance transaction, the target server sends an amount check request to the amount The management server, wherein the remittance request includes the remittance account number and a remittance amount, and the amount check request includes the remittance account number, the remittance amount, and a server identification data corresponding to the target server.

When the quota management server receives the amount check request, the quota management server judges whether the server identification data of the amount check request and the channel list corresponding to the quota management data of the export account are in the channel list. Wait for one of the server identification data to match.

When the quota management server determines that the server identification data of the amount check request matches one of the server identification data of the pipeline list corresponding to the quota management data of the exported account, the quota management server The device adds the remittance amount and the accumulated amount corresponding to the amount management data of the outgoing account number to generate a cumulative result, and determines whether the accumulated result is greater than the predetermined amount of the amount management data of the outgoing account number. Quota.

When the quota management server judges that the cumulative result is greater than the predetermined quota corresponding to the quota management data of the export account, the quota management server sends an excess notification indicating that the cumulative result is greater than the predetermined quota to the target server. .

When the target server receives the excess notification, the target server does not execute the remittance transaction and sends the excess notification to the terminal electronic device.

In some implementation aspects, when the credit management server determines that the cumulative result is not greater than the predetermined credit corresponding to the credit management data of the export account, the credit management server updates the cumulative amount to the cumulative result, A non-excess notification indicating that the accumulated result is not greater than the predetermined amount is transmitted to the target server.

When the target server receives the non-overage notification, the target server executes the remittance transaction.

In some implementation aspects, the quota management data corresponding to the outgoing account number of the customer further includes a predetermined currency, and the remittance request further includes a remittance currency.

The quota management server also judges whether the remittance currency matches the predetermined currency before calculating the accumulated result.

When the quota management server judges that the remittance currency does not match the predetermined currency, the quota management server converts the remittance amount according to an exchange rate related to the remittance currency and the predetermined currency.

In some implementation aspects, the quota management server also sends the predetermined quota and the accumulated amount to the target server.

When the target server receives the predetermined amount and the accumulated amount, the target server sends the predetermined amount and the accumulated amount to the terminal electronic device for the terminal electronic device to display the predetermined amount and the accumulated amount.

The effect of the novel model is that when the credit management server judges that the cumulative result is greater than the predetermined credit corresponding to the credit management data of the exported account, the credit management server sends the excess notification to the target server, And because the target server does not execute the remittance transaction when receiving the excess notification, it helps the customer to control the amount of remittances from multiple remittance channels at the same time.

Referring to FIG. 1, an embodiment of the new financial server unit 100 is adapted to communicate with a terminal electronic device 200, such as a smart phone, a desktop computer, a laptop computer, or A tablet computer, the terminal electronic device 200 is operated by a customer or a bank member of the bank. The financial server unit 100 includes a plurality of financial service servers 1 and a credit management server 2.

The financial service servers 1 are adapted to communicate with the terminal electronic device 200 through a communication network. Each of the financial service servers 1 is, for example, an internet banking server, a mobile APP server, a fax server, or a branch counter server.

The credit management server 2 is electrically connected to the financial service servers 1 through a communication network, and stores credit management data corresponding to an export account of the customer. The quota management data includes a pipeline list, a predetermined currency, a predetermined quota and a cumulative amount. The pipeline list contains a plurality of server identification data respectively corresponding to a plurality of the financial service servers 1.

Referring to FIG. 1 and FIG. 2, a flow of a control method of the financial server unit 100 will be described below. First, as shown in step S01, one of the financial service servers 1 serving as a target server receives a remittance request from the terminal electronic device 200 and corresponding to a remittance transaction. The remittance request includes the outgoing account number, a remittance currency, a remittance amount, and a receiving account number.

Next, as shown in step S02, when the target server receives the remittance request, the target server sends an amount check request to the limit management server 2. The amount check request includes the outgoing account number and the remittance The amount and a server identification corresponding to the target server.

Next, as shown in step S03, when the quota management server 2 receives the amount check request, the quota management server 2 determines whether the server identification data of the amount check request and the server identification data corresponding to the outgoing account number One of the server identification data of the pipeline list of the quota management data matches, if not, step S12 is performed, and if yes, step S04 is performed.

Step S04 is when the quota management server 2 judges that the server identification data of the amount check request matches one of the server identification data of the pipeline list corresponding to the quota management data of the export account, The quota management server 2 determines whether the remittance currency is consistent with the predetermined currency, and if so, then directly executes step S06; if not, then executes step S05 and then executes step S06.

Step S05 is when the quota management server 2 judges that the remittance currency does not match the predetermined currency, the quota management server 2 converts the remittance amount according to an exchange rate related to the remittance currency and the predetermined currency.

Step S06 is that the credit management server 2 adds the remittance amount and the cumulative amount of the credit management data corresponding to the outgoing account number to generate a cumulative result.

Next, as shown in step S07, the credit management server 2 determines whether the accumulated result is greater than the predetermined credit corresponding to the credit management data of the exported account, and if so, executes step S08, and if not, executes step S10 .

Step S08 is when the credit management server 2 judges that the cumulative result is greater than the predetermined quota corresponding to the credit management data of the export account, and the quota management server 2 sends an excess notification indicating that the cumulative result is greater than the predetermined quota. The predetermined amount and the accumulated amount are given to the target server.

Next, as shown in step S09, when the target server receives the excess notification, the target server does not execute the remittance transaction, and sends the excess notification, the predetermined amount, and the accumulated amount to the terminal electronic device 200 for supply. The terminal electronic device 200 displays.

On the other hand, as shown in step S10, when the credit management server 2 determines that the cumulative result is not greater than the predetermined credit corresponding to the credit management data of the outgoing account, the credit management server 2 updates the cumulative amount Is the cumulative result.

Next, as shown in step S11, the credit management server 2 sends a non-excess notification indicating that the accumulated result is not greater than the predetermined credit, the predetermined credit and the accumulated money to the target server.

Next, as shown in step S12, when the target server receives the non-excess notification, the target server executes the remittance transaction (for example, requests the host of the bank to perform a remittance operation).

Next, as shown in step S13, the target server transmits a transaction result, the predetermined amount, and the accumulated amount received from the bank host to the terminal electronic device 200 for display by the terminal electronic device 200.

To sum up, the new financial server unit 100 determines that when the credit management server 2 determines that the cumulative result is greater than the predetermined credit corresponding to the credit management data of the export account, the credit management server 2 transmits the The target server is notified in excess, and since the target server does not execute the remittance transaction when the excess notification is received, the client is assisted to control the amount of money remitted by multiple remittance channels at the same time. Purpose.

However, the above are only examples of the new model. When the scope of implementation of the new model cannot be limited by this, any simple equivalent changes and modifications made in accordance with the scope of the patent application of the new model and the content of the patent specification are still Within the scope of this new patent.

100‧‧‧Financial Server Unit
1‧‧‧Financial Services Server
2‧‧‧Credit Management Server
200‧‧‧ terminal electronics
S01 ~ S13‧‧‧step

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which:
FIG. 1 is a schematic diagram of a hardware connection relationship of an embodiment of the novel financial server unit; and FIG. 2 (FIGS. 2A and 2B) is a flowchart of the embodiment.

Claims (4)

A financial server unit is adapted to communicate with a terminal electronic device. The financial server unit includes:
Multiple financial service servers adapted to communicate with the terminal electronic device; and a credit management server electrically connected to the financial service servers and storing credit management data corresponding to an export account of a customer, The quota management data includes a pipeline list, a predetermined quota and a cumulative amount, and the pipeline list contains a plurality of server identification data corresponding to a plurality of the financial service servers respectively;
When one of the financial service servers serves as a target server, the financial service server receives a remittance request from the terminal electronic device and corresponds to a remittance transaction, the target server sends an amount check request to the amount A management server, wherein the remittance request includes the remittance account number and a remittance amount, and the amount check request includes the remittance account number, the remittance amount, and a server identification data corresponding to the target server;
When the quota management server receives the amount check request, the quota management server judges whether the server identification data of the amount check request and the channel list corresponding to the quota management data of the export account are in the channel list. Wait for one of the server identification data to match;
When the quota management server determines that the server identification data of the amount check request matches one of the server identification data of the pipeline list corresponding to the quota management data of the exported account, the quota management server The device adds the remittance amount and the accumulated amount corresponding to the amount management data of the outgoing account number to generate a cumulative result, and determines whether the accumulated result is greater than the predetermined amount of the amount management data of the outgoing account number. Quota
When the quota management server judges that the cumulative result is greater than the predetermined quota corresponding to the quota management data of the export account, the quota management server sends an excess notification indicating that the cumulative result is greater than the predetermined quota to the target server. ;
When the target server receives the excess notification, the target server does not execute the remittance transaction and sends the excess notification to the terminal electronic device. The financial server unit according to claim 1, wherein when the credit management server determines that the cumulative result is not greater than the predetermined credit of the credit management data corresponding to the export account, the credit management server makes the credit The amount is updated to the accumulated result, and a non-excess notification indicating that the accumulated result is not greater than the predetermined amount is transmitted to the target server;
When the target server receives the non-overage notification, the target server executes the remittance transaction. The financial server unit according to claim 1 or 2, wherein the quota management data corresponding to the outgoing account number of the customer further includes a predetermined currency, and the remittance request further includes a remittance currency;
The quota management server also judges whether the remittance currency matches the predetermined currency before calculating the cumulative result;
When the quota management server judges that the remittance currency does not match the predetermined currency, the quota management server converts the remittance amount according to an exchange rate related to the remittance currency and the predetermined currency. The financial server unit according to claim 1 or 2, wherein the quota management server further transmits the predetermined quota and the accumulated amount to the target server;
When the target server receives the predetermined amount and the accumulated amount, the target server sends the predetermined amount and the accumulated amount to the terminal electronic device for the terminal electronic device to display the predetermined amount and the accumulated amount.