CN104899740B - A kind of the check information processing method and check information processing system of localization - Google Patents
A kind of the check information processing method and check information processing system of localization Download PDFInfo
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- CN104899740B CN104899740B CN201510224475.3A CN201510224475A CN104899740B CN 104899740 B CN104899740 B CN 104899740B CN 201510224475 A CN201510224475 A CN 201510224475A CN 104899740 B CN104899740 B CN 104899740B
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- 230000010365 information processing Effects 0.000 title claims abstract description 51
- 230000004807 localization Effects 0.000 title claims abstract description 38
- 238000003672 processing method Methods 0.000 title claims abstract description 27
- 238000012545 processing Methods 0.000 claims abstract description 26
- 238000012550 audit Methods 0.000 claims abstract description 19
- 238000004891 communication Methods 0.000 claims description 14
- 238000000034 method Methods 0.000 claims description 11
- 238000007726 management method Methods 0.000 claims description 10
- 238000007781 pre-processing Methods 0.000 claims description 10
- 238000012795 verification Methods 0.000 claims description 9
- 230000011218 segmentation Effects 0.000 claims description 7
- 238000013461 design Methods 0.000 claims description 4
- 238000005201 scrubbing Methods 0.000 claims description 3
- 238000012546 transfer Methods 0.000 claims description 3
- 238000004140 cleaning Methods 0.000 claims description 2
- 230000000737 periodic effect Effects 0.000 claims description 2
- 230000005611 electricity Effects 0.000 claims 1
- 238000010586 diagram Methods 0.000 description 10
- 238000005516 engineering process Methods 0.000 description 2
- 230000004044 response Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000004590 computer program Methods 0.000 description 1
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Abstract
The invention discloses a kind of check information processing method of localization and check information processing systems.The system comprises multiple terminal equipments, front-end system, concentrative operation system and core systems.Each terminal equipment is used to the check information of acquisition being forwarded to front-end system.The front-end system is used to that cheque image file store path to be forwarded to concentrative operation system by core system.The concentrative operation system is used to download cheque image file from Cloud Server, carries out slicing treatment to the face of the value, passes face of the value element information back core system.The core system to face of the value element information for making preliminary audit survey, to same city payment system submit carry through preliminary audit survey by face of the value element information payment request, the payment processing of paying bank server feedback is received as a result, and to user feedback payment processing result.The present invention can meet enterprise/personal user and handle the needs of check cashes business whenever and wherever possible, improve payment efficiency.
Description
Technical field
The present invention relates to payment technology fields, a kind of check information processing method more specifically to localization and
Check information processing system.
Background technology
Because being limited to backward banking system, for enterprise customer, settlement by check business is handled in bank counter
Formality flow is extremely cumbersome, especially handles big amount settlement by check business in bank counter, needs to take considerable time.Enterprise
Financial and accountancy personnel need to arrive bank counter queuing, laborious and time-consuming, the inefficient branch of bank counter as early as possible if you need to handle settlement by check business
Ticket account settlement business handle efficiency, it is complicated handle flow and very long settlement by check waiting process allow enterprise's financial and accountancy personnel's hardship not
It may say.
Invention content
The technical problem to be solved in the present invention is the drawbacks described above for the prior art, provides a kind of check of localization
Information processing method and the check information processing system of localization.
The technical solution adopted by the present invention to solve the technical problems is：Construct a kind of check information processing side of localization
Method, described method includes following steps：
S1, terminal equipment carry out truth identification at least check that user is inserted into, and acquire cheque image, identify check
Every trade of paying the bill is other, the beneficiary account and user's telephone number that typing user inputs on terminal equipment, by payment of cheque every trade
Not, before beneficiary account, user's telephone number, terminal equipment number, terminal equipment site information and cheque image are forwarded to
Set system；
Cheque image file is stored in Cloud Server by S2, front-end system, and by cheque image file store path, branch
Ticket payment every trade is not, beneficiary account, user's telephone number, terminal equipment are numbered, terminal equipment site information is forwarded to core
System, core system search collecting account name according to beneficiary account, are returned to the collecting account name of lookup by front-end system
Terminal equipment display screen is shown, and is received to be sent out by terminal equipment and acknowledged receipt of the first errorless feedback letter of money account name really
When breath, cheque image file store path is forwarded to concentrative operation system；
S3, concentrative operation system download cheque image file according to cheque image file store path from Cloud Server, right
Check bill images carry out slicing treatment, obtain face of the value element information, and pass face of the value element information back core system
System carries out preliminary audit survey by core system to face of the value element information；
S4, core system by the preliminary audit survey of face of the value element information by when, to same city payment system submit carry branch
The payment request of ticket nominal value element information, beneficiary account and payment amount receives paying bank's server and passes through with city payment system
Unite forwarding payment processing as a result, and to the user feedback payment processing result.
In the check information processing method of the above-mentioned localization of the present invention, the step S3 further includes：
Beneficiary account is forwarded to same city payment system by core system, effective to beneficiary account by same city payment system
Property is verified, and verification result is returned to core system；
If core system receives the invalid verification result of beneficiary account, then the verification result is passed by front-end system
The display screen for returning terminal equipment is shown.
In the check information processing method of the above-mentioned localization of the present invention, concentrative operation system pair described in the step S3
The step of check bill image progress slicing treatment, acquisition face of the value element information, specifically includes following sub-step：
When S31, concentrative operation system often receive the cheque image file store path of core system forwarding, according to check
Image file store path downloads cheque image file from Cloud Server, and accordingly generates a bill and be sliced task；
S32, determine that bill is sliced task priority according to the bill slice task creation time, it is excellent to be sliced task according to bill
First grade makees queuing processing to bill slice task；
The bill of highest priority is sliced task in S33, selection task queue, is cut the bill according to check image template
Piece task is divided into N number of independent bill slice subtask, and each independent bill slice subtask of segmentation is distinguished
Distribute to specified bill slice operating personnel；
S34, it collects and summarizes the face of the value derived from same check that each bill slice operating personnel respectively obtains and want
Prime information.
In the check information processing method of the above-mentioned localization of the present invention, the step S4 further includes：
Core system generates the prompt message of invalid note when face of the value element information is not by its preliminary audit survey,
And the prompt message is pushed to the communicating terminal corresponding to user's telephone number in the form of short message.
In the check information processing method of the above-mentioned localization of the present invention, core system described in the step S4 is to user
The step of feeding back the payment processing result specifically includes：
Debit request is sent out to paying bank successively with the payment application that city payment system is submitted according to core system, and
Send out credit request to receiving bank to transfer accounts to complete the pen, and the handling result that will transfer accounts returns to core system, core system with
Handling result of transferring accounts is pushed to the communicating terminal corresponding to user's contact number by short message form.
In the check information processing method of the above-mentioned localization of the present invention, the method further includes after the step S4
Following steps：
The intermediate file of interim storage carries out periodic cleaning, the intermediate file during S5, core system cash check
Including face of the value element information, paying party essential information, cheque image file store path information.
The present invention also constructs a kind of check information processing system of localization, the system comprises：
Multiple terminal equipments in each region are laid in, for carrying out truth identification at least check that user is inserted into,
Cheque image is acquired, identification payment of cheque every trade is other, beneficiary account that typing user inputs on terminal equipment, user's contact
Phone, by payment of cheque every trade not, beneficiary account, user's telephone number, terminal equipment number, terminal equipment site information,
And cheque image is forwarded to front-end system；
Front-end system, for cheque image file to be stored in Cloud Server, and by cheque image file store path, branch
Ticket payment every trade is not, beneficiary account, user's telephone number, terminal equipment are numbered, terminal equipment site information is forwarded to core
Cheque image file store path is forwarded to concentrative operation system by system via core system；
Concentrative operation system, for downloading cheque image file from Cloud Server according to cheque image file store path,
Slicing treatment is carried out to check bill images, obtains face of the value element information, and the face of the value element information of acquisition is passed
Return core system；
Core system, for searching collecting account name according to beneficiary account, by the collecting account name of lookup through preposition system
System is passed terminal equipment back and is shown, and receives to be sent out by terminal equipment and acknowledge receipt of the first errorless feedback letter of money account name really
When breath, cheque image file store path is forwarded to concentrative operation system, and the branch for being passed back to concentrative operation system
Ticket nominal value element information carries out preliminary audit survey, and when face of the value element information passes through preliminary audit survey, to same city payment system
The payment request of submission carrying face of the value element information, beneficiary account and payment amount receives paying bank's server warp
With the payment result of city payment system forwarding, payment processing result is pushed to the communicating terminal corresponding to user's telephone number.
In the check information processing system of the above-mentioned localization of the present invention, the terminal equipment includes bank's card slot and branch
Ticket slot, the cheque image acquisition module for acquiring cheque image information, for check carry out truth identification check it is true
Pseudo- identification module, the various checks inputted on terminal equipment for typing user cash information payment information recording module,
For the cheque image of the payment information of payment information recording module typing and the acquisition of cheque image acquisition module to be sent to
The first communication module of front-end system, the payment information include paying party essential information, the other information of payment of cheque every trade and gathering
Square account information；
It includes the identical multiple cheque image pretreatments of framework that the front-end system, which uses Redundancy Design, the front-end system,
Subsystem, the multiple cheque image preprocessing subsystem collectively form a server cluster, and the front-end system further includes using
In the cluster management module being scheduled to server cluster work；
And each cheque image preprocessing subsystem includes：
Second communication module forwards work for executing related data between terminal system and core system；
First cache module uploads to Cloud Server for caching cheque image, and by cheque image；
Message distribution module, for other paying party essential information, payment of cheque every trade, beneficiary account and check will to be carried
The message of image cloud storage address information is forwarded to core system.
In the check information processing system of the above-mentioned localization of the present invention, the concentrative operation system includes：
Cheque image file download and slice task generation module, for being taken from cloud according to cheque image file store path
Business device downloads relevant cheque image file, and accordingly generates a bill and be sliced task；
It is sliced task management module, for determining that each bill is sliced task according to the bill slice task creation time
Task priority makees queuing processing according to task priority to bill slice task；
Slice task divides module, for selecting the highest bill of task priority in task queue to be sliced task, according to
Each bill slice task is divided into N number of independent face of the value and is sliced subtask by face of the value information, and by the N of segmentation
A independent face of the value slice subtask is respectively allocated to N number of specified face of the value slice operating personnel；
Bill element information summarizing module, for collecting and summarizing, each bill slice operating personnel respectively obtains derived from same
The face of the value element information derived from same check summarized is sent to core by the face of the value element information of one check
System.
In the check information processing system of the above-mentioned localization of the present invention, the core system includes：
Third communication module is used to receive the intermediate file forwarded by front-end system, and being used for will be the same as city payment system
Feedback information be forwarded to front-end system and each terminal equipment, which includes face of the value element information, beneficiary account
Number, user's telephone number, cheque image file store path information；
Kernel scheduling module, in front-end system, concentrative operation system and with execution task tune between the payment system of city
Match, be managed collectively and data forwarding work；
Second cache module, for keeping in intermediate file；
Reminding module cashes handling result for receiving check of paying bank's server through being returned with city payment system,
And the check is cashed into handling result and is pushed to communicating terminal corresponding to user's contact number in the form of short message；
The check that same user asks on terminal equipment is cashed operation for core system and executed by data scrubbing module
When finishing, the intermediate file of interim storage in the second cache module is emptied to discharge the memory space of the second cache module.
Implement the check information processing method and check information processing system that the present invention localizes, can reach following beneficial to effect
Fruit：
One, invention introduces the terminated operation mode of settlement by check, Enterprises ' Financial Workers can be appointed being laid in city
Settlement by check business is operated and handled on the terminal equipment of one site, enterprise customer is made to have broken away from bank's number of taking, queuing, in cabinet
The constraint for singly handling settlement by check business is filled out on platform, handling settlement by check business for enterprise customer provides great convenience, saves
The plenty of time of enterprise customer, settlement by check efficiency is improved, the development to public financial settlement business is greatly promoted.
Two, terminal equipment man-machine interface of the present invention is easy to use, and user need to only carry out simple several steps on terminal equipment
Guiding input operation, you can realized to paying bank by terminal equipment and a batch of paying by check is submitted to ask, and show branch
Paying by check handling result, the high degree of automation of the payment process for the check information processing method that the present invention localizes, check branch
It is high to pay settlement efficiency.
Three, front-end system of the present invention uses Redundancy Design, and front-end system includes several cheque image preprocessing subsystems,
Several cheque image preprocessing subsystems collectively form server cluster, which can accept and handle simultaneously sea
The check that amount user submits on different terminals equipment cashes/account settlement business request, not only meets enterprise customer whenever and wherever possible
It handles check and cashes/the needs of account settlement business, also the check at bank end is cashed/the business handling stream of people of account settlement business carries out
It dredges and shunts, alleviate the pressure of bank clerk.
Four, concentrative operation system of the present invention is true by the task creation time for pending check bill images slice task
Determine task priority, queuing processing is carried out to cheque image slice task according to task priority, is effectively improved check figure
Distribution as slice task and treatment effeciency substantially reduce the check information processing system that the present invention localizes and pass through terminating machine
Tool user feedback check cashes the response time of handling result.
Five, check bill images slicing processing of the present invention is completed using the mode of sharing out the work and helping one another, and is increased on this basis
Add verification link of the paying bank for face of the value element information, prevents the check bill of criminal or inside substantially
The possibility distorted to check billing information of slice staff improves check and cashes/the safety of clearing link.
Description of the drawings
Fig. 1 is the flow chart of the check information processing method for the localization that first preferred embodiment of the present invention provides；
Fig. 2 be localization shown in FIG. 1 check information processing method in cheque image sliced sheet processing method flow chart；
Fig. 3 is the structural frames of the check information processing system for the localization that second preferred embodiment of the present invention provides
Figure；
Fig. 4 is the structure diagram of any terminal equipment of the check information processing system of localization shown in Fig. 3；
Fig. 5 is the structure diagram of the front-end system of the check information processing system of localization shown in Fig. 3；
Fig. 6 is the structure diagram of any cheque image preprocessing subsystem of front-end system shown in fig. 5；
Fig. 7 is the structure diagram of the concentrative operation system of the check information processing system of localization shown in Fig. 3；
Fig. 8 is the structure diagram of the core system of the check information processing system of localization shown in Fig. 3.
Specific implementation mode
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described.Based on the embodiments of the present invention,
Every other embodiment obtained by those of ordinary skill in the art without making creative efforts, belongs to this hair
The range of bright protection.
The present invention proposes a kind of check information processing method of localization.The check information processing method of the localization according to
The terminal equipment 100 that support is dispersed throughout each site in city is realized, (is handled big amount check especially for that need to concentrate for user and is cashed industry
The enterprise customer of business) it handles check and cashes business and provide great convenience, so that it has been broken away from and arrives bank counter etc. in the stipulated time
It waits for and is lined up and handle the trouble that check cashes business.
Fig. 1 shows the method flow diagram of the check information processing method of the localization of first embodiment of the invention, such as
Shown in Fig. 1, the check information processing method of the localization includes the following steps：
In step S100 first, terminal equipment 100 carries out the check that user is inserted by check truth identification module 104
Truth identification is acquired by 105 typing beneficiary account of payment information recording module, user's telephone number by cheque image
Module 103 acquires cheque image, and payment of cheque every trade is not identified, and then by first communication module 106 by acquisition
Check information, beneficiary account, user's telephone number, terminal equipment number and terminal site information are transmitted to front-end system 200.
In later step S200, cheque image file is stored in Cloud Server 800 by front-end system 200, by cheque image
File store path, payment of cheque every trade are other, beneficiary account, user's telephone number, terminal equipment are numbered, terminal equipment site
Information is forwarded to core system 300.Core system 300 searches collecting account name according to beneficiary account, passes through front-end system 200
The display screen that the collecting account name of lookup is returned to terminal equipment 100 is shown.
In later step S300, core system 300 receives payment user and is sent out by terminal equipment 100 and acknowledge receipt of money really
When the errorless feedback information of account name, cheque image file store path is forwarded to concentrative operation system 500.
In later step S400, concentrative operation system 500 downloads branch according to cheque image store path from Cloud Server 800
Ticket image file carries out slicing treatment to cheque image file, the face of the value element information of every check is obtained, by acquisition
Face of the value element information passes core system 300 back, makees preliminary audit survey to face of the value element information by core system 300.
In later step S500, core system 300 by the preliminary audit survey of face of the value element information by when, paid to same city
The payment request of the submission carrying face of the value of system 400 element information, beneficiary account and payment amount, and receive paying bank
Payment processing of the server 600 through being forwarded with city payment system 400 is as a result, and the payment processing result is (i.e. logical to user feedback
Cross reminding module 303 and the payment processing result be pushed to communication terminal corresponding to user's contact number in the form of short message), with
Understand paying by check result in first time convenient for payment user.
Fig. 2 shows the flow charts of a specific embodiment of step S400 in Fig. 1, as shown in Fig. 2, step S400 tools
Body includes the following steps：
In step S401 first, the cheque image file that concentrative operation system 500 often receives the forwarding of core system 300 is deposited
When storing up routing information, relevant cheque image file, and phase are downloaded from Cloud Server 800 according to cheque image file store path
A bill slice task should be generated.
In later step S402, the slice task management module 502 of concentrative operation system 500 is sliced task according to bill and builds
The task priority that each bill slice task is determined between immediately makees at queuing bill slice task according to task priority
Reason.
In later step S403, the task segmentation module of concentrative operation system 500 selects the highest bill of task priority
Each bill slice task is divided into N number of independent bill according to face of the value information and is sliced subtask by slice task, and
Each independent bill slice subtask of segmentation is respectively allocated to a specified bill and is sliced operating personnel.
In later step S404, each ticket is collected and summarized to the bill element information summarizing module 504 of concentrative operation system 500
According to the face of the value element information derived from same check that slice operating personnel respectively obtains, same branch is derived from by what is summarized
The face of the value element information of ticket is sent to core system 300.
In later step S405, core system 300 receives the face of the value element information and believes the face of the value element
Breath carry out preliminary audit survey (for example, whether verify the receiver information that receiver information at par and paying party input consistent, ticket
Whether transfinite according to the date).
In later step S406, determine whether face of the value element information passes through preliminary audit survey.Such as face of the value element
Information by preliminary audit survey, does not then follow the steps S407；Otherwise, step S408 is executed.
In later step S407, core system 300 generates the invalid prompt message of check, and by the prompt message with short message
Form is pushed to the communicating terminal corresponding to user's telephone number.
In later step S408, core system 300 is taken by third communication module 305 to the submission of same city payment system 400
Check with face of the value element information, paying party essential information, beneficiary account and payment amount cashes request.
Check information processing method based on localization shown in FIG. 1, the invention also provides a kind of checks of localization
Information processing system.Fig. 3 shows the flow chart of a specific embodiment of the check information processing system that the present invention localizes.
As shown in figure 3, the check information processing system that the present invention localizes includes：
It is laid in the terminal equipment 100 of each region, for carrying out truth identification at least check that user is inserted into,
Cheque image, beneficiary account that typing user inputs on terminal equipment 100, user's telephone number are acquired, identification check is paid
Money every trade is other, by paying party essential information, payment of cheque every trade not, beneficiary account, user's telephone number, terminal equipment compile
Number, terminal equipment site information and cheque image be forwarded to front-end system 200；
Front-end system 200 for cheque image file to be stored in Cloud Server 800, and cheque image file is stored
Path, payment of cheque every trade are not, beneficiary account, user's telephone number, terminal equipment are numbered, terminal equipment site information forwards
To core system 300, cheque image file store path is forwarded to concentrative operation system 500 via core system 300；
Concentrative operation system 500, for downloading cheque image from Cloud Server 800 according to cheque image file store path
File carries out slicing treatment to check bill image, obtains face of the value element information, and the face of the value element of acquisition is believed
Breath passes core system 300 back；
The same city payment system of paying bank's server 600 and receiving bank's server 700 is connected by communication port
400；
Core system 300, for searching collecting account name according to beneficiary account, by the collecting account name of lookup through preposition
System 200 is passed terminal equipment 100 back and is shown, and receives and send out that acknowledge receipt of money account name really errorless by terminal equipment 100
Feedback information when, cheque image file store path is forwarded to concentrative operation system 500, and for being wanted to the face of the value
Prime information carries out preliminary audit survey, and when face of the value element information passes through preliminary audit survey, is taken to the submission of same city payment system 400
Payment request with face of the value element information, beneficiary account and payment amount receives paying bank's server 600 through same city
The payment processing that payment system 400 forwards by payment processing result as a result, and be pushed to the communication corresponding to user's telephone number
Terminal.
Fig. 4 shows the structure diagram of any terminal equipment 100 in Fig. 3, as shown in figure 4, terminal equipment 100 of the present invention wraps
It includes：
Bank's card slot 101 and check slot 102；
Cheque image acquisition module 103 for acquiring cheque image information；
Check truth identification module 104 for carrying out truth identification to check；
The various checks inputted on terminal equipment 100 for typing user cash the payment information recording module of information
105；
For the payment information of 105 typing of payment information recording module and the cheque image acquisition module 103 to be adopted
The cheque image of collection is transmitted to the first communication module 106 of front-end system 200, the payment information include paying party essential information,
The other information of payment of cheque every trade and beneficiary account information.
Fig. 5 and Fig. 6 shows the structure diagram of a specific embodiment of front-end system 200 in Fig. 3 of the present invention, such as Fig. 5
And shown in Fig. 6, which includes the identical multiple cheque image preprocessing subsystems 201 of framework, multiple check figure
As pretreatment system constitutes a server cluster.The front-end system 200 further include one for the server cluster work into
The server cluster management module of row scheduling and management；
And each cheque image preprocessing subsystem 201 includes：
Second communication module 2013 forwards work for executing related data between terminal system and core system 300；
First cache module 2011 uploads to Cloud Server 800 for caching cheque image, and by cheque image；
Message distribution module 2012, for will carry paying party essential information, payment of cheque every trade other, beneficiary account and
The message of cheque image cloud storage address information is forwarded to core system 300.
Fig. 7 shows the structure diagram of a specific embodiment of concentrative operation system 500 in Fig. 3 of the present invention.Such as Fig. 7 institutes
Show, which includes：
Cheque image file download and slice task generation module 501, for according to cheque image file store path from
Cloud Server 800 downloads relevant cheque image file, and accordingly generates a bill and be sliced task；
It is sliced task management module 502, for determining that each bill slice is appointed according to the bill slice task creation time
The task priority of business makees queuing processing according to task priority to bill slice task；
Slice task divides module 503, for selecting the highest bill of task priority to be sliced task, according to the face of the value
Each bill slice task is divided into N number of independent face of the value and is sliced subtask by information, and by each after segmentation
Independent face of the value slice subtask is respectively allocated to specified face of the value slice operating personnel；
Bill element information summarizing module 504, the source respectively obtained for collecting and summarizing each bill slice operating personnel
In the face of the value element information of same check, the face of the value element information derived from same check summarized is sent to
Core system 300.
Fig. 8 shows the structure diagram of a specific embodiment of core system 300 in Fig. 3 of the present invention.As shown in figure 8,
The core system 300 includes：
Third communication module 305, for receiving the intermediate file forwarded by front-end system 200, and for will be with city branch
The feedback information for paying system 400 is forwarded to front-end system 200 and each terminal equipment 100, which includes that the face of the value is wanted
Prime information, paying party essential information, cheque image file store path information；
Kernel scheduling module 302, for front-end system 200, concentrative operation system 500 and with city payment system 400 it
Between execute task allotment, unified management and data forwarding work；
Second cache module 301, for keeping in intermediate file；
Reminding module 303 is cashed for receiving check of the paying bank's server 600 through being returned with city payment system 400
Handling result, and the check cashed into handling result be pushed to user in the form of short message and reserve in the contact number of terminal equipment 100
Communicating terminal corresponding to code；
Data scrubbing module 304 converts the check that same user asks on terminal equipment 100 for core system 300
Operation is paid when being finished, empties the intermediate file of interim storage in the second cache module 301 to discharge the second cache module 301
Memory space.
In conclusion the check information processing system of check information processing method and localization that the present invention localizes is excellent
Point embodies as follows：
One, invention introduces the terminated operation mode of settlement by check, Enterprises ' Financial Workers can be appointed being laid in city
Operate and handle settlement by check business on the terminal equipment 100 of one site, make enterprise customer broken away from bank's number of taking, queuing,
The constraint for singly handling settlement by check business is filled out on sales counter, handling settlement by check business for enterprise customer provides great convenience,
The plenty of time for saving enterprise customer improves settlement by check efficiency, is greatly promoted and opens public financial settlement business
Exhibition.
Two, 100 man-machine interface of terminal equipment of the present invention is easy to use, and user need to only carry out simply on terminal equipment 100
Several steps guiding input operation, you can by terminal equipment 100 realize to paying bank submit a batch check payment request
And display paying by check handling result, the automation journey of the paying by check process for the check information processing method that the present invention localizes
Degree is high, and paying by check settlement efficiency is high.
Three, front-end system 200 of the present invention uses Redundancy Design, front-end system 200 to be pre-processed including several cheque images
Subsystem 201, several cheque image preprocessing subsystems 201 collectively form server cluster, which can be same
The check that Shi Shouli and processing mass users are submitted on different terminals equipment 100 cashes/account settlement business request, not only meets
Enterprise customer handles check and cashes/the needs of account settlement business whenever and wherever possible, and/the industry of account settlement business is also cashed to the check at bank end
Business transactor's stream dredge and shunt, and alleviates the pressure of bank clerk.
Four, when concentrative operation system 500 of the present invention presses task creation for pending check bill images slice task
Between determine task priority, according to task priority to cheque image slice task carry out queuing processing, be effectively improved branch
The distribution of ticket image slice task and treatment effeciency substantially reduce the check information processing system that the present invention localizes and pass through end
Terminal has the response time that 100 user feedback checks cash handling result.
Five, check bill images slicing processing of the present invention is completed using the mode of sharing out the work and helping one another, and is increased on this basis
Add verification link of the paying bank for face of the value element information, prevents the check bill of criminal or inside substantially
The possibility distorted to check billing information of slice staff improves check and cashes/the safety of clearing link.
One of ordinary skill in the art will appreciate that realizing all or part of link in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the program can be stored in a computer read/write memory medium
In, the program is when being executed, it may include such as the link of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic
Dish, CD, read-only memory (Read Only Memory, ROM) or random access memory (Random Access
Memory, RAM) etc..
The embodiment of the present invention is described with above attached drawing, but the invention is not limited in above-mentioned specific
Embodiment, the above mentioned embodiment is only schematical, rather than restrictive, those skilled in the art
Under the inspiration of the present invention, without breaking away from the scope protected by the purposes and claims of the present invention, it can also make very much
Form, all of these belong to the protection of the present invention.
Claims (8)
1. a kind of check information processing method of localization, which is characterized in that described method includes following steps：
S1, terminal equipment carry out truth identification at least check that user is inserted into, and acquire cheque image, identify the payment of cheque
Every trade is other, the beneficiary account and user's telephone number that typing user inputs on terminal equipment, payment of cheque every trade is other, receipts
Money side's account, user's telephone number, terminal equipment number, terminal equipment site information and cheque image are forwarded to preposition system
System；
Cheque image file is stored in Cloud Server by S2, front-end system, and cheque image file store path, check are paid
Money every trade is not, beneficiary account, user's telephone number, terminal equipment are numbered, terminal equipment site information is forwarded to core system,
Core system searches collecting account name according to beneficiary account, and the collecting account name of lookup is returned to terminating machine by front-end system
Tool display screen shown, and is received and sent out by terminal equipment when acknowledging receipt of errorless the first feedback information of money account name really,
Cheque image file store path is forwarded to concentrative operation system；
S3, concentrative operation system download cheque image file according to cheque image file store path from Cloud Server, to check
Bill images carry out slicing treatment, obtain face of the value element information, and pass face of the value element information back core system, by
Core system carries out preliminary audit survey to face of the value element information；
S4, core system by the preliminary audit survey of face of the value element information by when, to same city payment system submit carry check ticket
The payment request of face element information, beneficiary account and payment amount receives paying bank's server and passes through with city payment system turn
The payment processing of hair is as a result, and to the user feedback payment processing result；
Wherein, concentrative operation system described in the step S3 carries out slicing treatment to check bill image, obtains the face of the value
The step of element information, specifically includes following sub-step：
When S31, concentrative operation system often receive the cheque image file store path of core system forwarding, according to cheque image
File store path downloads cheque image file from Cloud Server, and accordingly generates a bill and be sliced task；
S32, it determines that bill is sliced task priority according to the bill slice task creation time, task priority is sliced according to bill
Queuing processing is made to bill slice task；
The bill of highest priority is sliced task in S33, selection task queue, is appointed bill slice according to check image template
Business is divided into N number of independent bill slice subtask, and each independent bill slice subtask of segmentation is distributed respectively
It is sliced operating personnel to a specified bill；
S34, collect and summarize the face of the value element letter derived from same check that each bill slice operating personnel respectively obtains
Breath.
2. the check information processing method of localization according to claim 1, which is characterized in that the step S3 is also wrapped
It includes：
Beneficiary account is forwarded to same city payment system by core system, by same city payment system to beneficiary account validity into
Row verification, and verification result is returned into core system；
If core system receives the invalid verification result of beneficiary account, then end back is passed the verification result by front-end system
The display screen of terminal tool is shown.
3. the check information processing method of localization according to claim 1, which is characterized in that the step S4 is also wrapped
It includes：
Core system generates the prompt message of invalid note, and will when face of the value element information is not by its preliminary audit survey
The prompt message is pushed to the communicating terminal corresponding to user's telephone number in the form of short message.
4. the check information processing method of localization according to claim 3, which is characterized in that described in the step S4
Core system was specifically included to the step of user feedback payment processing result：
The payment application submitted according to core system with city payment system sends out debit request to paying bank successively, and to receipts
Money bank sends out credit request and is transferred accounts with completing the pen, and the handling result that will transfer accounts returns to core system, and core system is with short message
Handling result of transferring accounts is pushed to the communicating terminal corresponding to user's contact number by form.
5. the check information processing method of localization according to claim 4, which is characterized in that the method is in the step
Further include following steps after rapid S4：
The intermediate file of interim storage carries out periodic cleaning during S5, core system cash check, which includes
Face of the value element information, paying party essential information, cheque image file store path information.
6. a kind of check information processing system of localization, which is characterized in that the system comprises：
Multiple terminal equipments in each region are laid in, for carrying out truth identification, acquisition at least check that user is inserted into
Cheque image, identification payment of cheque every trade is other, and beneficiary account that typing user inputs on terminal equipment, user contact electricity
Words, by payment of cheque every trade not, beneficiary account, user's telephone number, terminal equipment number, terminal equipment site information, with
And cheque image is forwarded to front-end system；
Front-end system for cheque image file to be stored in Cloud Server, and cheque image file store path, check is paid
Money every trade is not, beneficiary account, user's telephone number, terminal equipment are numbered, terminal equipment site information is forwarded to core system,
Cheque image file store path is forwarded to concentrative operation system via core system；
Concentrative operation system, for downloading cheque image file from Cloud Server according to cheque image file store path, to branch
Ticket bill images carry out slicing treatment, obtain face of the value element information, and pass the face of the value element information of acquisition back core
Feel concerned about system；
Core system passes the collecting account name of lookup through front-end system for searching collecting account name according to beneficiary account
It returns terminal equipment to be shown, and receives to be sent out by terminal equipment and acknowledge receipt of the first errorless feedback information of money account name really
When, cheque image file store path is forwarded to concentrative operation system, and the check for being passed back to concentrative operation system
Nominal value element information carries out preliminary audit survey, and when face of the value element information passes through preliminary audit survey, is carried to same city payment system
The payment request of friendship carrying face of the value element information, beneficiary account and payment amount, receives paying bank's server through same
The payment result of city payment system forwarding, the communicating terminal corresponding to user's telephone number is pushed to by payment processing result；
Wherein, the concentrative operation system includes：
Cheque image file download and slice task generation module, for according to cheque image file store path from Cloud Server
Relevant cheque image file is downloaded, and accordingly generates a bill and is sliced task；
It is sliced task management module, for determining that each bill is sliced the task of task according to the bill slice task creation time
Priority makees queuing processing according to task priority to bill slice task；
Slice task divides module, for selecting the highest bill of task priority in task queue to be sliced task, according to check
Each bill slice task is divided into N number of independent face of the value and is sliced subtask by ticket information, and by segmentation it is N number of solely
Vertical face of the value slice subtask is respectively allocated to N number of specified face of the value slice operating personnel；
Bill element information summarizing module, for collecting and summarizing, each bill slice operating personnel respectively obtains is derived from same
The face of the value element information derived from same check summarized is sent to core system by the face of the value element information of check
System.
7. the check information processing system of localization according to claim 6, which is characterized in that the terminal equipment includes
Bank's card slot and check slot, the cheque image acquisition module for acquiring cheque image information are used to carry out very check
The check truth identification module of puppet identification, the various checks inputted on terminal equipment for typing user cash the payment of information
Data input module, the branch for acquiring the payment information of payment information recording module typing and cheque image acquisition module
Ticket image is sent to the first communication module of front-end system, which includes paying party essential information, payment of cheque every trade
Other information and beneficiary account information；
It includes the identical multiple cheque image pretreatment subsystems of framework that the front-end system, which uses Redundancy Design, the front-end system,
System, the multiple cheque image preprocessing subsystem collectively form a server cluster, the front-end system further include for pair
The cluster management module that server cluster work is scheduled；
And each cheque image preprocessing subsystem includes：
Second communication module forwards work for executing related data between terminal system and core system；
First cache module uploads to Cloud Server for caching cheque image, and by cheque image；
Message distribution module, for other paying party essential information, payment of cheque every trade, beneficiary account and cheque image will to be carried
The message of cloud storage address information is forwarded to core system.
8. the check information processing system of localization according to claim 6, which is characterized in that the core system packet
It includes：
Third communication module, for receiving the intermediate file forwarded by front-end system, and for by the anti-of same city payment system
Feedforward information is forwarded to front-end system and each terminal equipment, which includes face of the value element information, beneficiary account, uses
Family telephone number, cheque image file store path information；
Kernel scheduling module, in front-end system, concentrative operation system and with the allotment of execution task, system between the payment system of city
One management and data forwarding work；
Second cache module, for keeping in intermediate file；
Reminding module passes through the payment processing returned with city payment system as a result, and by the branch for receiving paying bank's server
It pays handling result and is pushed to the communicating terminal corresponding to user's contact number in the form of short message；
The check that same user asks on terminal equipment is cashed operation for core system and is finished by data scrubbing module
When, the intermediate file of interim storage in the second cache module is emptied to discharge the memory space of the second cache module.
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| CN106910275A (en) * | 2015-12-22 | 2017-06-30 | 山东新北洋信息技术股份有限公司 | Bill images method for down loading, bill processing apparatus, system and ticket server |
| CN109271951B (en) * | 2018-09-28 | 2021-03-12 | 厦门商集网络科技有限责任公司 | Method and system for improving accounting and auditing efficiency |
| CN110533400A (en) * | 2019-09-03 | 2019-12-03 | 中国建设银行股份有限公司 | A kind of method, apparatus of checking account, equipment and storage medium |
| CN111680987A (en) * | 2020-06-03 | 2020-09-18 | 中国银行股份有限公司 | Transaction processing method, device and equipment based on bill and readable storage medium |
| TWI804934B (en) * | 2021-07-28 | 2023-06-11 | 兆豐國際商業銀行股份有限公司 | Off-site dishonored bill system |
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| CN201477678U (en) * | 2009-08-04 | 2010-05-19 | 深圳市证通电子股份有限公司 | Self-help check machine |
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