TWM652430U - Customer trading combination system - Google Patents

Abstract

The new model provides a customer transaction combination system, which includes a transaction combination module, an appointment schedule checking module, a fund allocation module and a real-time transaction processing module. The transaction combination module is used for the customer communication device to set a debit account and at least one fund allocation account, and combines multiple transaction information transmitted by the customer communication device according to specific conditions. The appointment schedule checking module checks whether the balance of the debit account is sufficient based on the above multiple appointment transaction processing information, and generates an allocation information when the balance of the debit account is insufficient. The fund allocation module is used to allocate funds based on allocation information. The real-time transaction processing module is used to process multiple reservation transaction processing information in a batch, one-deduct multiple-input transactions, and generate a processing result.

Description

Customer trading combination system

A customer transaction combination system, especially a customer transaction combination system used to process transaction information when enterprise users propose transaction information.

In the field of corporate financial transactions, corporate users usually require flexible applications with large amounts of funds. However, the existing bank transaction model mainly relies on deductions for single transactions, resulting in frequent operations by users. In addition, the increase in deduction details for a single transaction not only complicates the company's internal accounting processing, but also increases the difficulty of reconciling the transaction details with the bank.

Accordingly, how to develop a customer transaction combination system that can solve the above problems has become a problem to be solved in the technical field.

In order to solve the above problems, according to one embodiment, the present invention provides a customer transaction combination system, which is installed in a bank host server and is communicatively connected to a customer communication device to receive a plurality of transaction information provided by the customer communication device. The customer The trading combination system includes multiple hardware modules composed of multiple electrically connected hardware circuits. The above-mentioned multiple hardware modules include a trading combination module, an appointment schedule checking module, a fund allocation module and a real-time transaction. Processing modules.

The above-mentioned transaction combination module communicates with the above-mentioned customer communication device, and is used for the above-mentioned customer communication device to set up a debit account and at least one fund transfer account. The above-mentioned transaction combination module combines the above-mentioned multiple transaction information according to a specific condition. Generate multiple reservation transaction processing information. The above-mentioned reservation schedule checking module is connected to the above-mentioned transaction combination module with signals. When receiving the above-mentioned plurality of reservation transaction processing information, the above-mentioned reservation schedule checking module checks whether the balance of the debit account is sufficient based on the above-mentioned plurality of reservation transaction processing information. , when the balance of the above debit account is insufficient, a transfer message is generated. The above-mentioned fund allocation module is connected by signal to the above-mentioned reservation schedule checking module. When receiving the above-mentioned allocation information, the above-mentioned fund allocation module performs fund allocation to the above-mentioned at least one fund allocation account based on the above-mentioned allocation information. The above-mentioned real-time transaction processing module is connected by signals to the above-mentioned transaction combination module, the appointment schedule checking module and the fund allocation module, and is used to process the above-mentioned multiple appointment transaction processing information in a batch, one-deduct multiple-input transactions, and generate a processing result. .

According to another embodiment, the above processing result is success, failure, unsuccessful or timeout.

According to another embodiment, the above-mentioned customer transaction combination system further includes an unfinished transaction query module, which is connected to the real-time transaction processing module via a signal to regularly query the above-mentioned processing results. When the above-mentioned processing results are unsuccessful, the uncompleted transaction The query module notifies the real-time transaction processing module to re-process the entire batch of one-deduct multiple-in transactions for the corresponding reservation transaction processing information.

According to another embodiment, the customer transaction combination system further includes a notification module that is communicatively connected to an information personnel device and the unfinished transaction query module. When the unfinished transaction query module regularly queries the processing result, it is timeout ≧ Five times, the notification module transmits a notification message to the information personnel device.

According to another embodiment, when the above-mentioned unfinished transaction query module regularly queries the above-mentioned processing results and the timeout is <5 times, the unfinished transaction query module notifies the above-mentioned real-time transaction processing module to re-process the corresponding above-mentioned scheduled transaction processing information. The entire batch is processed with one deduction and multiple inputs. .

According to another embodiment, the above-mentioned customer transaction combination system further includes a format conversion module, a signal connected to the above-mentioned real-time transaction processing module, for converting the above-mentioned plurality of scheduled transaction processing information according to the corresponding standardized message format.

According to another embodiment, the above-mentioned specific condition is a trading day, and the same trading day is divided into one group to process the entire batch of one-deduction and multiple-in transactions.

The functions that can be claimed by this new model include: (1) Customizing the fund allocation needs of enterprise users and improving service availability. (2) Customers can complete different financial fund allocation needs online, and increasing the utilization rate of online banking will not only help increase the bank's income, but also reduce the burden of bank staff working at the counter. (3) Regularly check the transaction processing results and automatically reprocess unsuccessful or timed-out transactions.

In order to describe each embodiment of the present invention in more detail, the following description is supplemented by the accompanying drawings. In order to describe each embodiment of the present invention in more detail, the following description is supplemented by the accompanying drawings. It should be understood that, when an element is referred to as being "connected" or "disposed" to another element, it can mean that the element is directly located on the other element, or that intervening elements may also be present to connect the element to the other element through the intermediate elements. In contrast, when an element is referred to as being "directly on" or "directly connected to" another element, it will be understood that there are no intervening elements present.

Please refer to Figure 1. According to one embodiment, the present invention provides a customer transaction combination system 100, especially in online banking or bank APP, which facilitates corporate users to submit multiple transaction information in advance and set up debit accounts and fund allocation accounts at the same time. , so that the system can combine different transaction types according to the customer's fund usage habits, and process the whole batch of one deduction and multiple deposits to complete the payment.

Continuing to explain Figure 1, the customer transaction combination system 100 is installed in the bank's host server and connected to the customer communication device 220 through the network. When the customer communication device 220 wants to propose transactions within the next two months in advance, the system will receive the above The multiple transaction information proposed by the customer communication device 220 continues to process the entire batch of one-deduct-multiple-in operations through the transaction combination module 110, the appointment schedule checking module 120, the fund allocation module 130 and the real-time transaction processing module 140.

The customer communication device 220 can also set a debit account and at least one fund transfer account through the transaction combination module 110 . When the transaction combination module 110 receives multiple transaction information provided by the customer communication device 220, the transaction combination module 110 will combine the multiple transaction information according to a specific condition to generate multiple scheduled transaction processing information. The above-mentioned specific conditions are the trading day, and the same trading day is divided into one group for processing of the whole batch of one-deduction and multiple-in transactions (the whole-batch one-deduction and multiple-in transactions include repayment, transfer, payment, tax payment, transfer to fixed deposit, etc.).

When one of the plurality of scheduled transaction processing information reaches its transaction date, the appointment schedule checking module 120 checks whether the balance of its debit account is sufficient based on the scheduled transaction processing information up to the transaction date. If the balance of the debit account is insufficient, the appointment scheduling checking module 120 generates a transfer information and transmits it to the fund transfer module 130. The fund transfer module 130 will make the transfer based on the transfer information (for example: the amount to be transferred and which fund transfer account to use). etc.) After allocating funds to the fund allocation account set by the customer, the real-time transaction processing module 140 is notified for subsequent processing.

The real-time transaction processing module 140 will perform a batch of one-deduction and multiple-in transaction processing based on the above-mentioned plurality of scheduled transaction processing information, and generate a processing result (for example: ). The above processing results are success, failure (such as insufficient balance, etc.), unsuccessful or timeout.

Table 1 Processing results Reservation transaction processing information condition Reservation transaction processing information 1 success Reservation transaction processing information 2 Fail Reservation transaction processing information 3 Unsuccessful Reservation transaction processing information 4 Timed out 3 times Reservation transaction processing information 5 Timed out 5 times

The above-mentioned customer transaction combination system 100 also includes an unfinished transaction query module 150. The signal is connected to the real-time transaction processing module 140 to query the processing results regularly (for example, every day or at any time set by the bank). When the query displays the scheduled transaction processing When the status of the information is unsuccessful, the unfinished transaction query module 150 will notify the real-time transaction processing module 140 to restart the entire batch of one-deduct multiple-in transaction processing for the corresponding scheduled transaction processing information. As shown in Table 1 above, the unfinished transaction query module 150 will notify the real-time transaction processing module 140 to restart the entire batch of one-deduct multiple-in transaction processing for the scheduled transaction processing information 3.

As shown in Table 1 above, the customer transaction combination system 100 further includes a notification module 160. When the unfinished transaction query module 150 regularly queries the above processing result and the timeout exceeds ≧5 times, the uncompleted transaction query module 150 will call the notification module. The module 160 transmits a notification message (for example: scheduled transaction processing information 5 has expired 5 times) to the information personnel device 200 for inspection by the information personnel.

Continuing to explain, when the unfinished transaction query module 150 regularly queries the above processing result and the timeout is <5 times, the completed transaction query module notifies the real-time transaction processing module 140 to re-process the corresponding scheduled transaction processing information in one batch. Enter transaction processing. As shown in Table 1 above, the unfinished transaction query module 150 will notify the real-time transaction processing module 140 to wait for the next schedule to restart the entire batch of one-deduct multiple-in transaction processing for the scheduled transaction processing information 4.

According to another embodiment, the customer transaction combination system 100 further includes a format conversion module 170, which is signal-connected to the real-time transaction processing module 140, for converting the plurality of scheduled transaction processing information according to the corresponding bank setting specification message format. For example: If the reservation transaction processing information is repayment, the conversion will be carried out according to the repayment specification message format set by the bank.

Please refer to FIG. 2 , which is a schematic flowchart of an unfinished transaction query module 150 according to an embodiment of the present invention.

In step S1, the uncompleted transaction query module 150 periodically queries the processing results.

In step S2, the processing result is success, failure or timeout. If the processing result is successful, continue to step S5 to end the operation. If the processing result is unsuccessful, step S6 continues, and the unfinished transaction query module 150 notifies the real-time transaction processing module 140 to re-process the entire batch of one-deduct multiple-in transactions. If the processing result is unsuccessful, continue to step S3.

In step S3, check whether the timeout is less than 5 times. If yes, proceed to step S4; if not, proceed to step S7.

In step S4, the unfinished transaction query module 150 notifies the real-time transaction processing module 140 to re-process the entire batch of one-deduct multiple-in transactions.

In step S7 , the uncompleted transaction query module 150 calls the notification module 160 to transmit a notification message to the information personnel device 200 .

To sum up, the new customer transaction combination system has the following functions: (1) Customers can propose multiple transaction information in advance for combination, and then automatically process the entire batch with one deduction and multiple deposits based on the transaction date to improve transaction efficiency. (2) Automatically allocating financial funds will help increase the utilization rate of online banking, increase bank income, and reduce the burden of bank staff working at the counter. (3) Able to regularly query and process unsuccessful reservation transactions immediately, which improves the immediacy and success rate of transactions. (4) Customize the fund allocation needs of corporate users and improve service availability.

For the convenience of description, when describing the above device, the functions are divided into various units and described separately. Of course, when implementing the present invention, the functions of each unit can be implemented in the same or multiple software and/or hardware. The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each process and/or block in the flowchart illustrations and/or block diagrams, and combinations of processes and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine that causes instructions to be executed by the processor of the computer or other programmable data processing device. Means are generated for implementing the functions specified in the process or processes of the flowchart diagrams and/or the block or blocks of the block diagrams.

These computer program instructions may also be stored in a computer-readable memory that causes a computer or other programmable data processing device to operate in a specific manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device. , the instruction device implements the functions specified in one process or multiple processes of the flow chart and/or one block or multiple blocks of the block diagram.

These computer program instructions may also be loaded onto a computer or other programmable data processing device, causing a series of operating steps to be performed on the computer or other programmable device to produce computer-implemented processing, allowing it to be executed on the computer or other programmable data processing device. The instructions executed on the device provide steps for implementing the functions specified in the process or processes of the flow diagrams and/or the block or blocks of the block diagrams.

It should also be noted that the terms "comprises," "comprises" or any other variation thereof are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that includes a list of elements not only includes those elements, but also includes no Other elements expressly listed, or elements inherent to the process, method, article or equipment. Without further limitation, an element defined by the statement "comprises a..." does not exclude the presence of additional identical elements in a process, method, article, or device that includes the stated element.

Those skilled in the art will understand that embodiments of the present invention may be provided as processes, systems or computer program products. Accordingly, the invention may take the form of an entirely hardware embodiment or an embodiment that combines software and hardware aspects. Furthermore, the present invention may employ computer program products implemented on one or more computer-usable storage memories (including but not limited to disk memory, CD-ROM, optical memory, etc.) containing computer-usable program code. form.

Each embodiment in this specification is described in a progressive manner. The same and similar parts between the various embodiments can be referred to each other. Each embodiment focuses on its differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple. For relevant details, please refer to the partial description of the method embodiment.

The above-mentioned implementation examples are only illustrative and specific descriptions, and are not intended to limit the scope of the present invention. Any equivalent modifications or changes thereto do not deviate from the spirit and scope of the present invention and shall be included in this application. within patent scope.

100:Customer trading combination system 110: Trading combination module 120: Appointment schedule checking module 130: Fund allocation module 140:Real-time transaction processing module 150: Uncompleted transaction query module 160:Notification module 170:Format conversion module 200: Information staff device 220:Customer communication device S1~S7: steps

In order to make the above-mentioned technology and other objects, features, advantages and embodiments of the present invention more clearly understandable, the accompanying drawings are described as follows: Figure 1 is a schematic structural diagram of a customer transaction combination system according to an embodiment of the present invention. Figure 2 is a schematic flowchart of an unfinished transaction query module according to an embodiment of the present invention.

100:Customer trading combination system

110: Trading combination module

120: Appointment schedule checking module

130: Fund allocation module

140:Real-time transaction processing module

150: Uncompleted transaction query module

160:Notification module

170:Format conversion module

200: Information staff device

220:Customer communication device

Claims (7)

A customer transaction combination system is installed in a bank host server and is connected to a customer communication device to receive a plurality of transaction information provided by the customer communication device. The customer transaction combination system includes a plurality of hardwares that are electrically connected. A plurality of hardware modules composed of circuits. These hardware modules include: A transaction combination module, communicating with the customer communication device, allowing the customer communication device to set up a debit account and at least one fund allocation account, and combine the transaction information according to a specific condition to generate a plurality of scheduled transactions. Process information; A reservation schedule checking module, the signal is connected to the transaction combination module, when receiving the reservation transaction processing information, the reservation schedule checking module checks whether the balance of the debit account is sufficient based on the reservation transaction processing information, When the balance of the debit account is insufficient, a transfer message is generated; A fund allocation module, the signal is connected to the reservation schedule checking module, when receiving the allocation information, the fund allocation module performs fund allocation to the at least one fund allocation account based on the allocation information; and A real-time transaction processing module, the signal is connected to the transaction combination module, the reservation schedule checking module and the fund allocation module, and is used to process the reservation transaction processing information in a batch, one-deduct multiple-input transactions, and generate a processing result. The customer transaction combination system as described in request item 1, wherein the processing result is success, failure, unsuccessful or timeout. The customer transaction combination system as described in claim 2 further includes an unfinished transaction query module, and the signal is connected to the real-time transaction processing module to query the processing result regularly. When the processing result is unsuccessful, the unfinished transaction query module is connected to the real-time transaction processing module. The completed transaction query module notifies the real-time transaction processing module to re-process the entire batch of one-deduct multiple-in transactions for the corresponding reservation transaction processing information. The customer transaction combination system as described in claim 3 further includes a notification module that communicates with an information personnel device and the unfinished transaction query module, and when the uncompleted transaction query module regularly queries that the processing result is timed out ≧5 times, the notification module transmits a notification message to the information personnel device. For the customer transaction combination system described in request item 3, when the unfinished transaction query module regularly queries the processing result and the processing result is timed out <5 times, the unfinished transaction query module notifies the real-time transaction processing module of the corresponding The reservation transaction processing information is re-processed as a whole batch of one-deduction and multiple-in transactions. The customer transaction combination system as described in claim 1 further includes a format conversion module, the signal is connected to the real-time transaction processing module, and is used to convert the scheduled transaction processing information according to the corresponding standard message format. The customer transaction combination system as described in request item 1, wherein the specific condition is a trading day, and the same trading day is divided into a group to process the entire batch of one-deduct multiple-in transactions.

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