CN101377867A - Trading method and system capable of processing real money and bankroll in step - Google Patents
Trading method and system capable of processing real money and bankroll in step Download PDFInfo
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- CN101377867A CN101377867A CNA2007100299348A CN200710029934A CN101377867A CN 101377867 A CN101377867 A CN 101377867A CN A2007100299348 A CNA2007100299348 A CN A2007100299348A CN 200710029934 A CN200710029934 A CN 200710029934A CN 101377867 A CN101377867 A CN 101377867A
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Abstract
The invention provides a trade method and a trade system for processing cashes and funds in steps. The trade method comprises the following steps: (1) goods flow or fund flow is converted into information flow; cashes are preset and pre-drawn, and trade vouchers are acquired; (2) the information flow is converted into goods flow or fund flow, and the trade vouchers are converted into cash or account trade information. The trade system comprises an automatic cash collection and payment device used for achieving inter-conversion of cash flow and information flow; an information medium used for converting cash flow or fund flow into information flow; an operation system used for achieving inter-conversion of fund flow and information flow. The inter-conversion between cash flow and fund flow is achieved by transferring information flow between the automatic cash collection and payment device and the operation system through the information medium. In the method and the system, cash operation and book-keeping operation during traditional cash processing are separated by the application of the information medium so that cashes are processed more flexibly and efficiently. In addition, the cash processing safety is improved.
Description
Technical field
The present invention relates to a kind of method of commerce and system, relate in particular to the method for commerce and the system of a kind of step-by-step processing cash and fund.
Background technology
Prosperity day by day along with society and financial circles, the number of deals of cash flow and cash flow day by day increases severely, the various emerging transaction channel such as the telephone bank of domestic and international banking industry, Web bank, ATM, Mobile bankings etc. are also flourish thereupon, but in the various transaction channels of bank, critical effect is still played in traditional physics branch site, internationally famous advisory organization Datamonitor studies show that, physics branch site remains the most important channel of bank, channel building is the important process of Bank Retail Business core competitiveness, therefore when emerging channel developed into to a certain degree, the transformation of conventional physical branch site became the important content of domestic and international bank development gradually.
The bank branch dot number increase fast development with banking rapidly, though suitably shunted each regional client's trading volume, but because traditional cash or funds transaction still mainly finished by the operator of operation system and client's face-to-face service, transaction and review operations time are longer, and the operator who has also caused serious such as the site queuing phenomena in operation system handles problems such as monetary transaction pressure heightens.Simultaneously, check the transaction cash artificially, also increased the risk of putting wrong banknote, receipt and payment counterfeit money and inputing Transaction Information by mistake.
In addition, other need carry out mechanism and place that monetary transaction is handled, as stock exchange, hospital etc., have also faced the problem the same with bank.Therefore, demand providing a kind of method of commerce and system of innovation urgently, information medium is as the conversion medium of cash and fund, logistics (cash flow) is converted to information flow, again information flow is changed to cash flow (logistics), substep is realized the conversion of cash and fund, with convenient, fast, safe, solve the variety of issue that the site exists at present efficiently.
Summary of the invention
Fundamental purpose of the present invention is to provide the method for commerce and the system of a kind of step-by-step processing cash and fund, utilize information medium that logistics (cash) and cash flow (client's account information) are changed mutually, to realize the substep independent operation, improved the efficient of bank outlets' processing monetary transactions greatly, to reduce the working pressure that the teller handles cash or fund business.
The method of commerce of a kind of step-by-step processing cash of the present invention and fund, it may further comprise the steps:
(1) logistics or fund flow are changed to the step of information flow, enchashment gold and obtain the transaction voucher prestores;
(2) information flow is changed to the step of logistics or cash flow, the voucher of will concluding the business is converted to cash or Account Transaction History.
Wherein, in step (1), when logistics is converted to information flow, further comprise:
Step (1-1): customer self-service deposits cash in the automatic receipt and payment equipment of cash in;
Step (1-2): obtain the transaction voucher;
When fund flow is changed to information flow, further comprise:
Step (1-1 '): the client submits Transaction Information to the operator of operation system;
Step (1-2 '): the operator of operation system is stored in information medium with described Transaction Information, is converted to the transaction voucher and gives the client.
In step (2), when information flow is changed to cash flow, further comprise:
Step (2-1): the voucher of will concluding the business is given the operator of operation system;
Step (2-2): the operator of operation system handles client's transaction by operation system;
When information flow is changed to logistics, further comprise:
Step (2-1 '): the client with described transaction voucher through the automatic receipt and payment recognition of devices of cash, checking;
Step (2-2 '): the counting of the automatic receipt and payment equipment of cash, currency examine, go out paper money.
In the present invention, the automatic receipt and payment equipment of described cash is that cash cash-out machine, cash are deposited paper money machine or currency circulator.Described transaction voucher is the information medium that stores Transaction Information.Described information medium is magnetic stripe card, intellective IC card, bar code or contactless card.Described Transaction Information comprises dealing money and customer information.
The present invention also provides the transaction system of a kind of step-by-step processing cash and fund, and it comprises:
Be used to the automatic receipt and payment equipment of cash of realizing that cash flow and information flow are changed mutually;
Be used for cash flow or fund flow are changed to the information medium of information flow;
Be used to the operation system that realizes that cash flow and information flow are changed mutually;
Between automatic receipt and payment equipment of cash and operation system, transmit information flow by described information medium, realize the mutual conversion of cash flow and cash flow.
Compared with prior art, the method of commerce of step-by-step processing cash of the present invention and fund and system can be used in all need carry out the transaction place that the cash robotization is handled, as bank, stock exchange, hospital and school etc., mainly be positioned medium amount or whole volume cash-access business.This system has changed the operator of employing operation system in the past or the service mode that cash equipment is faced the client separately, adopt the service mode of man-machine faying face to the client, equipment is responsible for cash currency examine and access, and the operator of operation system operates the Account Disposal process.The media that utilizes information medium to transmit as information flow, by the mutual conversion between the automatic receipt and payment equipment of cash and operation system realization cash and the fund, because traditional cash treatment scheme is divided into two, cash is handled robotization, both reduced the client and carried out transaction operation time, alleviated the operator's of operation system working strength, finished fund or money transaction rapidly and accurately at sales counter, particularly the transaction of wholesale has improved work efficiency; Effectively avoided the operator of operation system to contact cash again, ensured the safety of cash, be responsible for the paper money coin by equipment and check and test puppet, the operator who has reduced operation system puts wrong banknote, receives the risk of counterfeit money or miskey.And the cutting workflow, make that configuration is more flexible and changeable, taken into account the advantage of manual service and Possum.
For making the present invention easier to understand, further set forth a kind of step-by-step processing cash of the present invention and the method for commerce of fund and the specific embodiment of system below in conjunction with accompanying drawing.
Description of drawings
Fig. 1 is the embodiment one credit transaction process flow diagram of the method for commerce of a kind of step-by-step processing cash of the present invention and fund;
Fig. 2 is the embodiment two of the method for commerce of a kind of step-by-step processing cash of the present invention and the fund transaction flow figure that withdraws the money;
Fig. 3 is the structured flowchart of the transaction system of a kind of step-by-step processing cash of the present invention and fund;
Fig. 4 is the overall picture figure of the transaction of the automatic receipt and payment equipment of cash;
Fig. 5 a puts into the picture mask of banknote when saving operation for the method for commerce that adopts step-by-step processing cash and fund;
The picture mask of counting when Fig. 5 b saves operation for the method for commerce that adopts step-by-step processing cash and fund;
Counting picture displayed mask as a result when Fig. 5 c saves operation for the method for commerce that adopts step-by-step processing cash and fund;
Fig. 5 d advances the picture mask of paper money when saving operation for the method for commerce that adopts step-by-step processing cash and fund;
The successful picture mask of deposit when Fig. 5 e saves operation for the method for commerce that adopts step-by-step processing cash and fund;
Fig. 6 a reads the picture mask of information medium when withdrawing cash operation for the method for commerce that adopts step-by-step processing cash and fund;
Fig. 6 b information picture displayed mask of withdrawing the money when withdrawing cash operation for the method for commerce that adopts step-by-step processing cash and fund;
Fig. 6 c is going out the picture mask of paper money prompting when withdrawing cash operation for the method for commerce that adopts step-by-step processing cash and fund;
Fig. 6 d goes out the picture mask of pointing out behind the paper money when withdrawing cash operation for the method for commerce that adopts step-by-step processing cash and fund;
Withdraw the money when the withdrawing cash operation picture mask of success of Fig. 6 e for the method for commerce that adopts step-by-step processing cash and fund.
Embodiment
The invention provides the method for commerce of a kind of step-by-step processing cash and fund, it may further comprise the steps:
(1) logistics or fund flow are changed to the step of information flow, enchashment gold and obtain the transaction voucher prestores;
(2) information flow is changed to the step of logistics or cash flow, the voucher of will concluding the business is converted to cash or Account Transaction History.
Wherein, with reference to Fig. 1 and shown in Figure 3, in embodiment one, when the user need save, in step (1), when logistics is converted to information flow, further comprise step (1-1): customer self-service deposits cash in the automatic receipt and payment equipment 1 of cash in, step (1-2): the transaction voucher that the automatic receipt and payment equipment of cash spues to be deposited.In step (1-1), the client deposits cash in by input/output device 10, central processor CPU 11 receives deposits the paper money instruction, be about to cash via banknote tester 12 count, currency examine, confirm as genuine notes as empirical tests, be delivered to and deposit paper money device 13 and store, confirm as counterfeit money or fold banknote as empirical tests, then return input/output device 10 and withdraw from, the cash that success is stored is by central processor CPU 11 countings; Step (1-2): Transaction Information that will be to be deposited is stored in the information medium 2, promptly obtains transaction voucher to be deposited, and finishes the conversion of logistics to information flow.
In step (2), when information flow is changed to cash flow, further comprise step (2-1): the transaction voucher handover that the client will be to be deposited is given the operator of operation system; Step (2-2): the operator of operation system realizes client's credit transaction request by operation system.In step (2-1), the transaction voucher to be deposited that the client will obtain in step (1-2), i.e. storage remains information medium 2 handovers of credit transaction information and handles for the operator of operation system; In step (2-2), the operator of operation system can realize the conversion of information flow direction cash flow according to treating that credit transaction information directly is stored to banking system 3, finishes the deposit operation.
With reference to Fig. 2 and shown in Figure 3, in embodiment two, when the user need withdraw cash, in step (1), when fund flow was changed to information flow, further comprise step (1-1 '): the client handled the transaction of withdrawing the money at sales counter, fill in the Transaction Information of withdrawing the money, and give the operator of operation system it; Step (1-2 '): the operator of operation system is stored in information medium with Transaction Information described to be withdrawn the money, and is converted to the transaction voucher, and it is returned to the client, finishes the conversion of funds flow information flow.
In step (2), when information flow was changed to logistics, further comprise step (2-1 '): the transaction voucher that the client will be to be withdrawn the money was through the automatic receipt and payment recognition of devices of cash, checking; Step (2-2 '): after the automatic receipt and payment device authentication of cash, counting, currency examine, export corresponding cash, promptly realize the conversion of funds flow logistics, finish the operation of withdrawing the money by input/output device.
Fig. 4, Fig. 5 a-5e illustrate the method for commerce that adopts step-by-step processing cash and fund and save when operating, picture displayed mask on the automatic receipt and payment equipment of cash.The client finishes the step (1) of credit transaction by the intellectuality of the automatic receipt and payment equipment of cash indication, and logistics is converted to information flow, in brief, and operating process: option dealing project-neatly put paper money-counting-affirmation counting result-deposit paper money-writing information medium.Fig. 4, Fig. 6 a-6e illustrate the method for commerce that adopts step-by-step processing cash and fund and withdraw cash when operating, picture displayed mask on the automatic receipt and payment equipment of cash.After the information medium of the Transaction Information that the client remains storage to withdraw the money is put into the automatic receipt and payment equipment of cash and is discerned, equally, the client finishes the step (2) of the transaction of withdrawing the money by the intellectuality indication of the automatic receipt and payment equipment of cash, information flow is changed to logistics, in brief, operating process: the paper money amount of money-get paper money is got in option dealing project-read information medium-affirmation.
With reference to shown in Figure 3, the present invention also provides the transaction system of a kind of step-by-step processing cash and fund, and it comprises:
Be used to the automatic receipt and payment equipment 1 of cash of realizing that cash flow and information flow are changed mutually;
Be used for cash flow or fund flow are changed to the information medium 2 of information flow;
Be used to the operation system 3 that realizes that cash flow and information flow are changed mutually;
Between automatic receipt and payment equipment 1 of cash and operation system 3, transmit information flow by described information medium 2, realize the mutual conversion of cash flow and cash flow.
Wherein, the automatic receipt and payment equipment of described cash can be the cash cash-out machine, cash is deposited paper money machine or currency circulator etc., is not limited thereto, and all can as long as have the cash automated processing equipment of cash circulatory function.The automatic receipt and payment equipment of cash comprises central processing unit 11 and input/output device 10 associated therewith respectively, banknote tester 12, deposits paper money device 13, read-write equipment 14 and interactive operation device 15.Input/output device 10 is used for receiving or the output cash; Central processing unit 11 is used for the operations such as information medium of read/write access money; The banknote of 12 pairs of I/O of banknote tester is checked; Deposit paper money device 13 and be used for storing bills; Read-write equipment 14 can be internal or external at the automatic receipt and payment equipment of cash, is used for the Transaction Information that treating on the reading writing information medium deposited (getting) money.The operation of the automatic receipt and payment equipment of cash can realize that it can carry out decentralised control by the built-in services device, also can carry out centralized control by external server by touch-screen or built-in/external keyboard.The interactive operation device is used to carry out the information translation between cash flow and the logistics.
Described information medium 2 can be magnetic stripe card, intellective IC card, bar code or contactless card.Information medium 2 is as the carrier of the Transaction Information of waiting to deposit (getting) money, and as the transaction voucher of waiting to deposit (getting) money, described Transaction Information comprises dealing money and customer information.
In the present invention, described logistics is a cash flow, and described information flow is the electronic reciprocal process of Transaction Information, and described cash flow is the transfer process of fund.
In the present invention, the payment for medical care that described transaction can be the security of depositing and drawing in bank transaction, stock exchange and transaction that cash is cashed, hospital pays the money transfer transactions of transaction, post office or the tuition fee of universities and colleges is paid transaction etc., certainly, the present invention is not also as limit, the system and method for step-by-step processing cash of the present invention and fund also can be used for a lot of fields, by the substep conversion of cash flow, cash flow and information flow, improve the efficient and the security of financial transaction.
Transaction system of the present invention can also directly be connected the automatic receipt and payment equipment of terminal cash with operation system, realizes the conversion process of cash and fund.
The media that the method for commerce of step-by-step processing cash of the present invention and fund and system utilize information medium to transmit as information flow, by the mutual conversion between the automatic receipt and payment equipment of cash and operation system realization cash and the fund, both reduced the client and carried out transaction operation time at sales counter, finish fund or money transaction rapidly and accurately, particularly block trade, effectively avoided the operator of operation system to contact cash again, the operator who has reduced operation system puts wrong banknote, receives the risk of counterfeit money or miskey.
The method of commerce of step-by-step processing cash of the present invention and fund and system can be used in all need carry out the transaction place that the cash robotization is handled.Below illustrate respectively:
Cash in bank this method of commerce of island and system can be applied to the cash island business of bank.The cash island is meant in this method of commerce and the system the one group of zone that equipment is laid that logistics or fund flow is changed to information flow.It comprises automatic cash processing facility such as currency circulator, cash withdrawal machine, bundled banknote feeder, wherein, currency circulator can carry out the accessing operation of cash, the cash withdrawal machine can carry out the operation of withdrawing the money of cash, and bundled banknote feeder be mainly used in the wholesale cash go out the paper money business, it goes out the paper money mode is to specify that the currency of number is bundled to go out paper money, so its wholesale cash that is mainly used in whole volume goes out the paper money business.The actual disposition of various automatic cash processor facility can be selected flexibly according to the service conditions of site.
When depositing cash in, the currency circulator in the cash island is converted to IC-card transaction voucher with cash, and client's IC-card transaction voucher whereby goes to the teller to locate to handle accounting business.When taking out cash, the client goes to the teller to locate to handle accounting business earlier, obtains IC-card transaction voucher, the currency circulator or the enchashment of cash withdrawal machine of going to the cash island again.Owing to do not need the teller to handle cash, effectively reduce the risk of transaction, make the client under open more environment, to handle monetary transaction.Simultaneously, the cash island also can cooperate the higher sales counter of traditional safety to use, and in this case, it can reduce teller's cash work of treatment, reduces the processing time of transaction, raises the efficiency.
Stock exchange
This transaction system and method also can be used for stock exchange.Along with the development of stock market, the monetary transaction quantity of stock exchange is being increased sharply, and the normally medium amount of its money transaction amount is fit to the application of method of commerce of the present invention and system very much.
When stock exchange uses this transaction system and method, can lay one or more cashes island in place and handle monetary transaction.Equally, when the client carried out security exchange, the client went to the currency circulator in the cash island that cash is deposited in earlier, obtains the bar code voucher, came the sales counter place with obtained bar code and handled the security exchange business.In enchashment, the client carries out the security exchange business at the sales counter place earlier, obtains bar code, goes to the currency circulator or the enchashment of cash withdrawal machine on cash island again.Adopt this method of commerce can save the client also will handle the formality of depositing and withdrawing toward bank when carrying out security exchange time greatly, and can expand the scope of business of stock exchange.
Hospital
Under the present incomplete situation of medical system reform, the medical expense majority is born by the individual, especially for the inpatient, need pay the medical expense of writing, therefore, the monetary transaction amount of hospital also increases day by day, and the money transaction safety guarantee of hospital is perfect not as bank and other financial mechanism, and the risk of its monetary transaction is higher.Use method of commerce of the present invention and system, can effectively control transaction risk, the operator who reduces operation system simultaneously handles the working strength of cash.
When needs Admission registration formalities, patient or its family members can go to the currency circulator in the cash island earlier, deposit cash in and obtain the three-dimensional barcode voucher, and voucher goes to the sales counter place to handle the registration formalities of being admitted to hospital whereby again.When leaving hospital clearing, patient and family members thereof go to the checkout of sales counter place earlier, obtain the three-dimensional barcode voucher, arrive the currency circulator or the enchashment of cash withdrawal machine on cash island again.
Universities and colleges
In the time of annual the entrance, student's tuition fee is paid common use money transaction, and turnover is also very high, has usually surpassed the operator's of operation system processing power, a large amount of crowding phenomenons occurred.Checking and the unusual problem of headache of Finance Department that safety becomes universities and colleges of cash.Use method of commerce of the present invention and system, can solve this two problems effectively.When entering a school every year, universities and colleges can file a request to each big bank, lease its cash island, form a bigger cash island in school, handle student's monetary transaction.When paying tuition fee, the student can deposit operation at the currency circulator on cash island earlier, obtains the IC-card voucher, and voucher goes to sales counter to handle tuition fee and pays registration whereby again.
More than disclosed only be a kind of step-by-step processing cash of the present invention and the method for commerce of fund and the preferred embodiment of system, certainly can not limit the present invention's interest field with this, therefore the equivalent variations of being done according to the present patent application claim still belongs to the scope that the present invention is contained.
Claims (10)
1. the method for commerce of step-by-step processing cash and fund is characterized in that may further comprise the steps:
(1) logistics or fund flow are changed to information flow, enchashment gold and obtain the transaction voucher prestores;
(2) information flow is changed to logistics or cash flow, the voucher of will concluding the business is converted to cash or Account Transaction History.
2. the method for commerce of step-by-step processing cash as claimed in claim 1 and fund is characterized in that: in step (1), when logistics is converted to information flow, further comprise:
Step (1-1): customer self-service deposits cash in the automatic receipt and payment equipment of cash in;
Step (1-2): obtain the transaction voucher;
When fund flow is changed to information flow, further comprise:
Step (1-1 '): the client submits Transaction Information to the operator of operation system;
Step (1-2 '): the operator of operation system is stored in information medium with described Transaction Information, is converted to the transaction voucher and gives the client.
3. the method for commerce of step-by-step processing cash as claimed in claim 1 and fund is characterized in that: in step (2), when information flow is changed to cash flow, further comprise:
Step (2-1): the voucher of will concluding the business is given the operator of operation system;
Step (2-2): the operator of operation system handles client's transaction by operation system;
When information flow is changed to logistics, further comprise:
Step (2-1 '): the client with described transaction voucher through the automatic receipt and payment recognition of devices of cash, checking;
Step (2-2 '): the counting of the automatic receipt and payment equipment of cash, currency examine, go out paper money.
4. as the method for commerce of claim 2 or 3 described step-by-step processing cashes and fund, it is characterized in that: the automatic receipt and payment equipment of described cash is that cash cash-out machine, cash are deposited paper money machine or currency circulator.
5. as the method for commerce of claim 2 or 3 described step-by-step processing cashes and fund, it is characterized in that: described transaction voucher is the information medium that stores Transaction Information.
6. the method for commerce of step-by-step processing cash as claimed in claim 5 and fund is characterized in that: described information medium is magnetic stripe card, intellective IC card, bar code or contactless card.
7. the method for commerce of step-by-step processing cash as claimed in claim 5 and fund is characterized in that: described Transaction Information comprises dealing money and customer information.
8. the transaction system of step-by-step processing cash and fund is characterized in that comprising:
Be used to the automatic receipt and payment equipment of cash of realizing that cash flow and information flow are changed mutually;
Be used for cash flow or fund flow are changed to the information medium of information flow;
Be used to the operation system that realizes that cash flow and information flow are changed mutually;
Between automatic receipt and payment equipment of cash and operation system, transmit information flow by described information medium, realize the mutual conversion of cash flow and cash flow.
9. the transaction system of step-by-step processing cash as claimed in claim 8 and fund is characterized in that: the automatic receipt and payment equipment of described cash comprises central processing unit (CPU) and the I/O unit that is associated with it, banknote tester, deposits paper money device, read-write equipment and interactive operation device.
10. the transaction system of step-by-step processing cash as claimed in claim 8 and fund is characterized in that: described information medium is magnetic stripe card, intellective IC card, bar code or contactless card.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
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CNA2007100299348A CN101377867A (en) | 2007-08-27 | 2007-08-27 | Trading method and system capable of processing real money and bankroll in step |
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CNA2007100299348A CN101377867A (en) | 2007-08-27 | 2007-08-27 | Trading method and system capable of processing real money and bankroll in step |
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CNA2007100299348A Pending CN101377867A (en) | 2007-08-27 | 2007-08-27 | Trading method and system capable of processing real money and bankroll in step |
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Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
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CN107248115A (en) * | 2016-12-22 | 2017-10-13 | 南京合荣欣业金融软件有限公司 | It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated |
CN107590924A (en) * | 2017-10-24 | 2018-01-16 | 深圳怡化电脑股份有限公司 | A kind of method, apparatus of marginal deposit, equipment and storage medium |
CN110060433A (en) * | 2019-04-11 | 2019-07-26 | 中国工商银行股份有限公司 | Bank self-aid apparatus assists device, bank self-help cooperative system and method |
-
2007
- 2007-08-27 CN CNA2007100299348A patent/CN101377867A/en active Pending
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN107248115A (en) * | 2016-12-22 | 2017-10-13 | 南京合荣欣业金融软件有限公司 | It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated |
CN107590924A (en) * | 2017-10-24 | 2018-01-16 | 深圳怡化电脑股份有限公司 | A kind of method, apparatus of marginal deposit, equipment and storage medium |
CN110060433A (en) * | 2019-04-11 | 2019-07-26 | 中国工商银行股份有限公司 | Bank self-aid apparatus assists device, bank self-help cooperative system and method |
CN110060433B (en) * | 2019-04-11 | 2021-09-21 | 中国工商银行股份有限公司 | Bank self-service equipment assisting device, bank self-service cooperation system and bank self-service cooperation method |
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Open date: 20090304 |