TWI750382B

TWI750382B - Clean bill collection system

Info

Publication number: TWI750382B
Application number: TW107119917A
Authority: TW
Inventors: 卓惠音; 林忠遠
Original assignee: 兆豐國際商業銀行股份有限公司
Priority date: 2018-06-08
Filing date: 2018-06-08
Publication date: 2021-12-21
Also published as: TW202001751A

Abstract

A clean bill collection system having a branch operating system and a collection center system is provided. The branch operating system receives a clean bill registration information and writes the clean bill registration information into a clean bill integrating information when receiving a corresponding clean bill scan file and an approval response. The collection center system connected to the branch operating system converts the clean bill integrating information to a payment branch integrating information according to the clean bill integrating information and the clean bill scan file, then sends the payment branch integrating information to a corresponding foreign exchange system.

Description

光票託收系統Clean ticket collection system

本揭露是有關於一種金融交易技術，且特別是有關於一種光票託收系統。This disclosure relates to a financial transaction technology, and in particular, to a clear ticket collection system.

光票託收的手續牽扯到與國外匯兌單位的往來，繁雜且成本高昂。在一般的作業過程中，銀行會交由各分行自行與國外匯兌單位聯絡、寄送票據、匯兌並且建檔留存。然而，由於分行的業務類型繁雜，分行的作業人員容易搞混或因不熟稔相關業務導致人為錯誤，且在此過程中，分行也需要作業人員自行和國外匯兌單位連繫，以追蹤光票匯兌結果。此外，由於光票須寄送到海外匯兌單位，也產生了海外寄送的費用。在這樣的情形下，各個分行在處理光票託收作業都需要耗費大量的人力、時間與金錢成本。The procedures for clean bill collection involve exchanges with foreign exchange units, which are complicated and costly. In the general operation process, the bank will leave the branch to contact the foreign exchange unit, send the bills, exchange and file and keep them. However, due to the complicated business types of the branch, the branch operators are prone to confusion or human error due to unfamiliarity with the relevant business. In the process, the branch also needs the operators to contact the foreign exchange unit on their own to track the empty ticket. Exchange results. In addition, since the clean ticket must be sent to the overseas exchange unit, overseas shipping costs are also incurred. Under such circumstances, each branch needs to spend a lot of manpower, time and money in processing the clean ticket collection operation.

基於上述，若能夠有完整的光票託收機制，而使各分行的光票託收集中管理，將能有效降低銀行整體在光票託收作業上所耗費的成本。Based on the above, if there is a complete clear ticket collection mechanism, and the clear ticket collection of each branch can be managed during the collection, it will effectively reduce the overall cost of the bank in the clear ticket collection operation.

本發明提供一種光票託收系統，以對光票託收集中管理，以降低銀行所耗費的程本。The present invention provides a clear-ticket collection system to manage the clear-ticket collection in order to reduce the cost of the bank.

本揭露的光票託收系統具有分行作業系統及光票中心系統。分行作業系統接收光票登錄資訊，並且當分行作業系統接收到光票登錄資訊對應的票據掃描檔及核覆結果，將光票登錄資訊寫入至光票彙計資訊。光票中心系統通訊連接於分行託收系統，當光票中心系統接收到分行作業系統傳送的光票彙計資訊、票據掃描檔，光票中心系統依據光票彙計資訊中的付款行資訊轉換光票彙計資訊為付款行彙計資訊，並將付款行彙計資訊傳送至相應的國外匯兌系統。The clear ticket collection system of the present disclosure has a branch operation system and a clear ticket center system. The branch operating system receives the clean ticket registration information, and when the branch operating system receives the ticket scanning file and the verification result corresponding to the clean ticket registration information, it writes the clean ticket registration information into the clean ticket accounting information. The clear ticket center system is connected to the branch collection system through communication. When the clear ticket center system receives the clear ticket remittance information and the scan file sent by the branch operating system, the clear ticket center system converts the paying bank information according to the clear ticket remittance information. The remittance information of bare bills is the remittance information of the paying bank, and the remittance information of the paying bank is transmitted to the corresponding foreign exchange system.

基於上述，本揭露的光票託收系統通過分行作業系統以及光票中心系統的協作，可以將各個分行作業系統的光票登錄資訊以及票據掃描檔進行彙整，進而傳送到光票中心系統，並統一由光票中心系統和國外匯兌系統聯繫。藉此，以提供銀行整合的光票作業系統與流程，進而減少銀行在光票處理上耗損的成本。Based on the above, the clear ticket collection system of the present disclosure, through the cooperation of the branch operation system and the clear ticket center system, can collect the clear ticket login information and the ticket scan files of each branch operation system, and then transmit it to the clear ticket center system, and Unified by the clear ticket center system and the foreign exchange system. In this way, a bank-integrated clearing operation system and process is provided, thereby reducing the cost of the bank in clearing processing.

為讓本發明的上述特徵和優點能更明顯易懂，下文特舉實施例，並配合所附圖式作詳細說明如下。In order to make the above-mentioned features and advantages of the present invention more obvious and easy to understand, the following embodiments are given and described in detail with the accompanying drawings as follows.

為了將各分行的光票託收業務集中處理，本揭露提供了光票託收系統，以整合各分行的光票相關業務。圖1繪示本揭露一實施例的光票託收系統的示意圖。請參照圖1，本揭露的光票託收系統100具有分行作業系統110以及光票中心系統120。In order to centrally process the clear ticket collection business of each branch, this disclosure provides a clear ticket collection system to integrate the clear ticket related business of each branch. FIG. 1 is a schematic diagram of a clear ticket collection system according to an embodiment of the present disclosure. Referring to FIG. 1 , the clear ticket collection system 100 of the present disclosure includes a branch operation system 110 and a clear ticket center system 120 .

分行作業系統110是由分行端作業人員所操作的系統，並接收分行作業人員所輸入的光票登錄資訊、票據掃描檔、核覆結果等。作業人員可以通過終端裝置（例如：個人電腦）連線至分行作業系統110，以執行光票託收相關的作業。The branch operation system 110 is a system operated by branch operators, and receives clear ticket login information, ticket scan files, verification results and the like input by the branch operators. The operator can connect to the branch operating system 110 through a terminal device (eg, a personal computer) to perform operations related to clean ticket collection.

分行作業系統110是由具有通訊單元（例如：符合各種通訊標準的通訊晶片）、儲存單元（例如：固定或可移動隨機存取記憶體、硬碟等）以及處理單元（例如：中央處理單元）的硬體所實現的，本揭露並不限制其類型、廠牌或型號。The branch operating system 110 is composed of a communication unit (such as a communication chip conforming to various communication standards), a storage unit (such as a fixed or removable random access memory, a hard disk, etc.) and a processing unit (such as a central processing unit) hardware, this disclosure does not limit its type, make or model.

在本揭露的實施例中，不同的銀行分行會對應到不同的分行作業系統110。而在系統的架構中，每一個分行作業系統110可以為各自獨立的系統，或者是在一個系統下的不同的子系統，本揭露並不限於此。在圖1繪示的分行作業系統110以及光票中心系統120僅為示意，在實務上，光票中心系統120會依據分行的數量而與多個分行作業系統110通訊連接，本揭露並不限於此。In the embodiment of the present disclosure, different bank branches correspond to different branch operating systems 110 . In the system architecture, each branch operating system 110 may be an independent system, or a different subsystem under one system, and the present disclosure is not limited thereto. The branch operation system 110 and the ticket clearing center system 120 shown in FIG. 1 are only for illustration. In practice, the ticket clearing center system 120 communicates and connects with a plurality of branch operation systems 110 according to the number of branches. The present disclosure is not limited to this.

光票中心系統120通訊連接於分行作業系統110，以接收各個分行作業系統110所傳送的光票彙計資訊以及票據掃描檔。光票中心系統120是由相似於分行作業系統110的硬體所實現的，於此即不贅述。The clear ticket center system 120 is communicatively connected to the branch operation system 110 to receive clear ticket remittance information and ticket scan files transmitted by each branch operation system 110 . The ticket clearing center system 120 is implemented by hardware similar to the branch operation system 110 , and details are not described here.

光票中心系統120會進一步與國外匯兌系統30通訊連接，並進行資訊的交換。國外匯兌系統30是由國外的銀行、匯兌中心等所架設的伺服器，本揭露並不限制國外匯兌系統30所採用的軟、硬體及其運行方式。The ticket clearing center system 120 will further communicate with the foreign exchange system 30 to exchange information. The foreign exchange system 30 is a server set up by foreign banks, exchange centers, etc. The present disclosure does not limit the software, hardware, and operation methods of the foreign exchange system 30 .

為了更清楚地闡述本揭露光票託收系統100是如何通過分行作業系統110和光票中心系統120的協作，進而達到集中託收的結果，以下將搭配圖1與圖2說明光票託收系統運行的流程。In order to explain more clearly how the clear ticket collection system 100 of the present disclosure achieves the result of centralized collection through the cooperation between the branch operation system 110 and the clear ticket center system 120, the following will illustrate the clear ticket collection system with FIG. 1 and FIG. 2 . running process.

首先，在客戶前往分行辦理光票託收的業務時，必須先填寫光票申請書，並經由分行作業人員審核票據要項後，由分行作業人員將光票登錄資訊輸入至分行作業系統110。First, when a customer goes to a branch to handle the clear ticket collection business, he must first fill in the clear ticket application form, and after the branch staff has reviewed the bill items, the branch staff will input the clear ticket login information into the branch operating system 110.

在步驟S210，分行作業系統110接收來自分行作業人員50輸入的光票登錄資訊。在本揭露的一實施例中，光票登錄資訊中至少具有託收行類別、國別、付款行匯款代碼（Swift code）、票據種類（例如：是否為旅行支票、現金匯票等）、應掃描日期等，然本揭露並不限於此。在其他的實施例中，光票登錄資訊更具有票據面額、匯入帳戶、票據到期日、收票日期等資訊。In step S210 , the branch operation system 110 receives the clear ticket login information input from the branch operator 50 . In an embodiment of the present disclosure, the clean ticket login information at least includes the collection bank type, country, payment bank remittance code (Swift code), bill type (for example, whether it is a traveler's check, cash draft, etc.), and should be scanned. date, etc., although this disclosure is not limited thereto. In other embodiments, the clear ticket login information further includes information such as the denomination of the bill, the remittance account, the expiration date of the bill, and the date of receipt of the bill.

此外，在本揭露的一實施例中，分行作業系統110在接收光票登錄資訊後，還會在光票登錄資訊中自動加入掃描類別、匯款編號、幣別、批次金額、批次張數。並且，每一筆光票登錄資訊都有對應的票據狀態（例如：待處理、集送中、已收妥、退票作業中），以讓作業人員可以通過票據狀態快速獲知處理情形。須說明的是，光票登錄資訊會依據實際上每個銀行的要求與實務上的變遷而有所調整，本揭露並不限於此。In addition, in an embodiment of the present disclosure, after receiving the clear ticket registration information, the branch operation system 110 will automatically add the scan type, remittance number, currency, batch amount, and batch number to the clear ticket registration information. . In addition, each clear ticket login information has a corresponding ticket status (for example: pending, centralized delivery, received, and refund operation), so that operators can quickly know the processing situation through the ticket status. It should be noted that the clear ticket registration information will be adjusted according to the actual requirements and practical changes of each bank, and this disclosure is not limited to this.

在步驟S220，分行作業系統110接收分行作業人員50輸入的票據掃描檔與核覆結果。票據掃描檔為託收的光票的掃描檔案，核覆結果則是核准交易主管的簽核。在本揭露的一實施例中，分行作業系統110在接收到票據掃描檔後，也會將票據掃描檔的資訊彙整成掃描彙計單，以對票據掃描檔進行彙整與管理。In step S220 , the branch operation system 110 receives the receipt scan file and the verification result input by the branch operator 50 . The scanned file of the bill is the scanned file of the collected clean bill, and the verification result is the signature of the approved transaction supervisor. In an embodiment of the present disclosure, after receiving the receipt scan file, the branch operating system 110 also aggregates the information of the receipt scan file into a scan remittance slip, so as to collect and manage the receipt scan file.

在步驟S230中，分行作業系統110會將光票登錄資訊寫入至光票彙計資訊。光票彙計資訊是彙整分行當日或者是一定筆數的光票登錄資訊，藉此以批次處理光票。In step S230, the branch operation system 110 writes the clear ticket registration information into the clear ticket remittance information. The clean bill remittance information is to collect the clear bill registration information of the branch on the same day or a certain number of transactions, so as to process the clean bills in batches.

在步驟S240中，分行作業系統110會將光票彙計資訊傳送到光票中心系統120。同時，分行作業人員也必須把實體光票寄送到票據中心，以提供票據中心作業人員寄送至海外匯兌單位。基此，分行作業系統110的前端託收作業完成，並交由光票中心系統120與國外匯兌系統30進行資料的交換。In step S240 , the branch operation system 110 transmits the clear ticket remittance information to the clear ticket center system 120 . At the same time, branch operators must also send physical bare tickets to the bill center, so that the bill center operators can send them to overseas exchange units. Based on this, the front-end collection operation of the branch operation system 110 is completed, and it is handed over to the clearing ticket center system 120 and the foreign exchange system 30 for data exchange.

須說明的是，在本揭露的一實施例中，分行作業系統110接收光票登錄資訊之後，會進一步判斷光票登錄資訊的到期日是否已經到期。詳細來說，在光票託收的業務中，原則上僅能受理已到期票據的委託，然而在經單位主管同意後，可以受理未到期光票的託收。因此，在步驟S210後，分行作業系統110會進一步依據光票登錄資訊的到期日判斷此筆光票登錄資訊是否已到期。It should be noted that, in an embodiment of the present disclosure, after the branch operation system 110 receives the clear ticket registration information, it will further determine whether the expiration date of the clear ticket registration information has expired. In detail, in the clean bill collection business, in principle, only the entrustment of expired bills can be accepted, but with the approval of the unit supervisor, the collection of unexpired clean bills can be accepted. Therefore, after step S210, the branch operation system 110 will further determine whether the clear ticket registration information has expired according to the expiration date of the clear ticket registration information.

根據銀行的內規，若光票登錄資訊的風險處於一般等級，可由核定主管進行核覆，然若光票登錄資訊處於高風險等級時，則必須要由更高層級的主管進行核覆。因此，如果光票登錄資訊為已到期，在步驟S220中，分行作業系統110還會進一步判斷光票登錄資訊是否符合風險條件。風險條件會依據不同銀行的標準而有所不同，在一個案例中，風險條件是採用現金匯票（Cash letter）辦理，且面額等值美金10,000元以上。也就是說，若光票登錄資訊記載的是以最終信用服務（Final credit service）、支票收集（Check collection）等方式辦理，或者是現金匯票但面額小於美金10,000元等，皆屬於不符合風險條件的例子，然本揭露不限於此。According to the bank's internal regulations, if the risk of the clear ticket registration information is at a general level, it can be reviewed by the approved supervisor. However, if the clear ticket registration information is at a high risk level, it must be reviewed by a higher-level supervisor. Therefore, if the clear ticket registration information has expired, in step S220, the branch operating system 110 will further determine whether the clear ticket registration information meets the risk condition. The risk conditions will vary according to the standards of different banks. In one case, the risk conditions are handled by a cash letter with a denomination equivalent to US$10,000 or more. That is to say, if the log-in information of the clean ticket is recorded in the form of final credit service (Final credit service), check collection (Check collection), etc., or if it is a cash draft but the denomination is less than USD 10,000, etc., it does not meet the risk conditions. example, although the present disclosure is not limited to this.

若分行作業系統110判斷光票登錄資訊不符合風險條件，則進一步判斷傳送核覆結果的用戶權限是否符合第一核准權限，當用戶權限符合第一核准權限時，才執行步驟S230。然若分行作業系統110判斷光票登錄資訊符合風險條件，則進一步判斷傳送核覆結果的用戶權限是否符合第二核准權限，當用戶權限符合第二核准權限時，才執行步驟S230。須說明的是，在此實施例中，第二核准權限大於第一核准權限，例如第一核准權限為甲級以上主管人員，而第二核准權限為乙級以上主管人員。If the branch operating system 110 determines that the log-in information of the clean ticket does not meet the risk condition, it further determines whether the user authority for transmitting the verification result meets the first approval authority, and only executes step S230 when the user authority meets the first approval authority. However, if the branch operating system 110 determines that the log-in information for clear tickets meets the risk condition, it further determines whether the user authority for sending the verification result meets the second approval authority, and only executes step S230 when the user authority meets the second approval authority. It should be noted that, in this embodiment, the second approval authority is greater than the first approval authority, for example, the first approval authority is for supervisors above Grade A, and the second approval authority is for supervisors above Grade B.

若分行作業系統110判斷光票登錄資訊的到期日為未到期，原則上各分行必須考量客戶的信用與往來情形、評估光票資金來源的合法性及客戶對銀行之貢獻度等綜合因素，進而由單位主管判行。因此，分行作業系統110會進一步判斷傳送核覆結果的用戶權限是否符合第三核准權限（例如：單位主管），當用戶權限符合第三核准權限時，將光票登錄資訊儲存至未到期託收光票清單資訊。分行作業人員同時須向客戶取得光票並將光票入庫保管。If the branch operating system 110 determines that the expiration date of the clear ticket registration information is not yet due, in principle, each branch must consider the customer's credit and transaction status, evaluate the legitimacy of the source of clear ticket funds, and the customer's contribution to the bank and other comprehensive factors. , and then judged by the supervisor of the unit. Therefore, the branch operating system 110 will further determine whether the user authority that transmits the verification result conforms to the third approval authority (for example, the unit supervisor), and when the user authority conforms to the third approval authority, saves the log-in information of the unexpired ticket to the unexpired trust authority. Receipt of ticket list information. At the same time, branch operators must obtain clean tickets from customers and store them in the warehouse for safekeeping.

此外，分行作業系統110會每日判斷未到期託收光票清單資訊的每一筆光票登錄資訊的到期日是否符合當前日期。分行作業系統110會把到期日符合當前日期的光票登錄資訊彙整成通知表單，以提示分行作業人員執行掃描及核覆的作業。分行作業系統110並在接收對應到期日符合當前日期的光票登錄資訊的票據掃描檔及核覆結果時，將此光票登錄資訊加入至光票彙計資訊。In addition, the branch operation system 110 will daily determine whether the expiration date of each piece of clear ticket registration information in the unexpired collection clear ticket list information matches the current date. The branch operation system 110 will compile the log-in information of the clean tickets whose expiration date matches the current date into a notification form, so as to prompt the branch operation staff to perform scanning and verification operations. The branch operating system 110 adds the clean-ticket registration information to the clean-ticket accounting information when receiving the scan file of the clear-ticket registration information corresponding to the current date and the verification result.

在本揭露的實施例中，分行作業系統110還會依據票據掃描檔產生掃描彙計資訊，以記載被掃描光票的票據號碼、掃描編號等。並且，當光票中心系統120接收到分行作業系統110傳送的光票彙計資訊、票據掃描檔以及掃描彙計資訊時，光票中心系統120還會依據掃描彙計資訊，判斷是否已存在對應光票彙計資訊的光票登錄資訊的票據掃描檔。若已存在票據掃描檔，光票中心系統120會將此筆光票登錄資訊的登錄狀態設為勾核，並將登錄狀態回傳至分行作業系統110。In the embodiment of the present disclosure, the branch operation system 110 will also generate scan summary information according to the scanned ticket file, so as to record the ticket number, scan number, etc. of the scanned clean ticket. In addition, when the clearing ticket center system 120 receives the clearing remittance information, the ticket scanning file and the scanned remittance information transmitted by the branch operation system 110, the clearing ticket center system 120 will also judge whether there is any corresponding information according to the scanned remittance information. The scan file of the bare ticket login information of the bare ticket remittance information. If there is a ticket scan file, the ticket clearing center system 120 will set the log-in status of the log-on information for the clear ticket as checked, and return the log-in status to the branch operating system 110 .

在步驟S250，光票中心系統120會依據光票彙計資訊中的付款行資訊轉換光票彙計資訊為付款行彙計資訊。詳細來說，光票中心系統120會接收到來自分行作業系統110的光票彙計資訊，換句話說，光票彙計資訊是以分行作業系統110為依據而彙整的資訊。為了要節省作業的時間與流程，光票中心系統120會進一步以付款行資訊（例如：付款行匯款代碼）為分類依據，進一步產生付款行彙計資訊。舉例來說，請參照表1，表1為一案例的光票彙計資訊。在表1中，每一欄都是一筆光票登錄資訊，這些光票登錄資訊都是來自分行代碼為001的分行。

表1：本揭露一案例的光票彙計資訊In step S250, the clearing center system 120 converts the clearing remittance information into the paying bank remittance information according to the paying bank information in the clearing remittance information. In detail, the clear ticket center system 120 receives the clear ticket remittance information from the branch operating system 110 . In order to save the time and process of the operation, the clearing center system 120 will further generate the payer bank remittance information based on the payer bank information (for example, the payer bank remittance code) as a classification basis. For example, please refer to Table 1, which is the remittance information of a case. In Table 1, each column is a record of clear ticket registration information, which are all from the branch with the branch code of 001.

Table 1: Bare bill remittance information of a case disclosed in this disclosure

而請參照表2-1及表2-2，表2-1及表2-2是表1的案例中，依據光票彙計資訊中的付款行資訊轉換後的付款行彙計資訊。也就是說，轉換後的付款行彙計資訊中，每一筆付款行彙計資訊都會以付款行匯款代碼為基準。除此之外，雖然表2-1、表2-2沒有列舉，但付款行彙計資訊會彙整來自不同分行的光票登錄資訊。因此，實際上付款行彙計資訊會具有不同分行代碼的光票登錄資訊。

表2-1：表1的案例中，轉換後的付款行彙計資訊(1)

表2-2：表1的案例中，轉換後的付款行彙計資訊(2)Please refer to Table 2-1 and Table 2-2. Table 2-1 and Table 2-2 are the remittance information of the paying bank converted from the paying bank information in the bare bill remittance information in the case of Table 1. That is to say, in the converted payer bank remittance information, each payer bank remittance information will be based on the payer bank remittance code. In addition, although Table 2-1 and Table 2-2 are not listed, the remittance information of the paying bank will aggregate the clear ticket login information from different branches. Therefore, the payer bank remittance information will actually have the clear ticket login information for a different branch code.

Table 2-1: In the case of Table 1, the converted payment bank remittance information (1)

Table 2-2: In the case of Table 1, the converted payment bank remittance information (2)

在步驟S260，光票中心系統120會將付款行彙計資訊傳送到相應付款行的國外匯兌系統30。除此之外，票據中心的人員也必須將實體光票彙整，並郵寄至國外。值得一提的是，在一筆付款行彙計資訊中是以整批的方式進行處理，因此，同一筆付款行彙計資訊中的多筆光票登錄資訊皆會對應到同一個匯款編號。In step S260, the clearing center system 120 transmits the remittance information of the paying bank to the foreign exchange system 30 of the corresponding paying bank. In addition, the personnel of the bill center must also collect the physical clean bills and mail them abroad. It is worth mentioning that in one payment bank remittance information, it is processed in batches. Therefore, multiple clean ticket login information in the same payment bank remittance information will all correspond to the same remittance number.

在國外匯兌系統30接收到付款行彙計資訊後，其會進行處理並產生結果通知。在結果通知可能的情形有整批收妥、部分收妥、退票、收妥後退票或者是撤票。以下將針對光票中心系統120收到不同結果通知時執行的步驟分別進行說明。After the foreign exchange system 30 receives the remittance information of the paying bank, it will process it and generate a result notification. In the result notification, there may be a whole batch of receipt, partial receipt, refund, refund after receipt or withdrawal. The steps performed when the ticket clearing center system 120 receives notifications of different results will be described below.

倘若光票中心系統120收到的結果通知為整批收妥時，會進一步判斷結果通知的收妥金額是否與付款行彙計資訊中所有被收妥的光票登錄資訊的票據面額一致。以表2-1為例，若結果通知中的收妥金額為2,520美金，光票中心系統120會判斷收妥金額與付款行彙計資訊中所有被收妥的光票登錄資訊的票據面額一致。此時，光票中心系統120會變更被收妥的光票登錄資訊的票據狀態為已收妥，且各分行的作業人員可以通過分行作業系統110查看票據狀態。光票中心系統120並在當前日期的次營業日對以收妥的光票登錄資訊執行銷帳。If the result notification received by the clearing center system 120 is that the batch has been received, it will further determine whether the received amount of the result notification is consistent with the denominations of all received clearing registration information in the remittance information of the paying bank. Taking Table 2-1 as an example, if the received amount in the result notification is USD 2,520, the clear ticket center system 120 will determine that the received amount is consistent with the denominations of all received clear ticket registration information in the remittance information of the paying bank. . At this time, the clear ticket center system 120 will change the bill status of the received clear ticket registration information to received, and the operator of each branch can check the bill status through the branch operation system 110 . The clear ticket center system 120 also executes the write-off of the received clear ticket login information on the next business day of the current date.

然若收妥金額與付款行彙計資訊中所有被收妥的光票登錄資訊的票據面額不一致（例如，在表2-1的例子中，收妥金額為2,000美金），光票中心系統120會發送電文至國外匯兌系統30及分行作業系統110。藉此，當國外匯兌系統30回報後，分行作業系統110依據錯誤的種類以及光票登錄資訊的種類執行銷帳。在實際的案例中，同一筆匯款編號中有任一筆票據面額與金額不一致，且票據種類為旅行支票或現金匯票時，光票中心系統120僅批次作業聯行往來帳，並將此筆金額不一致的光票登錄資訊傳送至分行作業系統110。且在分行作業人員處理未達帳事宜後，由分行作業系統110執行銷帳。However, if the received amount is inconsistent with the denominations of all received clean ticket registration information in the remittance information of the paying bank (for example, in the example in Table 2-1, the received amount is 2,000 USD), the clean ticket center system 120 The message will be sent to the foreign exchange system 30 and the branch operation system 110 . In this way, after the foreign exchange system 30 reports, the branch operation system 110 executes the write-off according to the type of error and the type of the clear ticket registration information. In an actual case, if there is any bill in the same remittance number, the denomination is inconsistent with the amount, and the bill type is a traveler's check or a cash draft, the clearing center system 120 only links the current account in batches, and calculates the amount of the bill. Inconsistent clear ticket registration information is sent to the branch operating system 110 . And after the branch operator handles the unreceived matters, the branch operation system 110 executes the write-off.

倘若光票中心系統120收到的結果通知為部分收妥時，判斷付款行彙計資訊中的光票登錄資訊的票據類型。若票據類型為旅行支票或現金匯票，光票中心系統120會對收妥的光票登錄資訊自動執行銷帳，並且對被退票的光票登錄資訊自動執行退票作業，並發出通知給相關的作業人員。若票據類型為其他（即：不為旅行支票或現金匯票），光票中心系統120不執行批次收妥也不執行批次退票，僅發出通知給相關的作業人員。If the result notification received by the clearing center system 120 is partially received, it determines the bill type of the clearing registration information in the remittance information of the paying bank. If the bill type is a traveler's check or a cash draft, the clearing center system 120 will automatically write off the received clearing registration information, and automatically perform a refund operation for the cancelled clearing registration information, and send a notification to the relevant operations. personnel. If the bill type is other (ie, not traveler's check or cash draft), the clearing center system 120 does not perform batch receipt or batch refund, and only sends a notification to the relevant operator.

倘若光票中心系統120收到的結果通知為退票時，判斷付款行彙計資訊中的光票登錄資訊的票據類型。光票中心系統120於該票據類型為旅行支票或者現金匯票（Cash letter），批次執行退票，並判斷是否進一步執行交易。然若票據類型為其他，光票中心系統120將通知結果傳送至分行作業系統110，分行作業系統110執行退票，並判斷是否執行其他交易。If the result notification received by the clearing center system 120 is a refund, it determines the bill type of the clearing registration information in the remittance information of the paying bank. The ticket clearing center system 120 executes refunds in batches when the type of the bill is a traveler's check or a cash letter, and determines whether to further execute the transaction. However, if the ticket type is other, the ticket clearing center system 120 transmits the notification result to the branch operation system 110, and the branch operation system 110 executes the refund and determines whether to execute other transactions.

倘若光票中心系統120收到的結果通知為收妥後退票時，變更付款行彙計資訊中的光票登錄資訊的票據狀態由已收妥改為退票，並將結果通知傳送至分行作業系統110。分行作業系統110執行退票，並判斷是否進一步執行交易。If the result notification received by the clearing center system 120 is that the ticket is refunded after receipt, change the bill status of the clearing registration information in the remittance information of the paying bank from received to refunded, and transmit the result notification to the branch operating system 110. The branch operation system 110 executes the refund and determines whether to further execute the transaction.

倘若光票有無法提出託收者，或經客戶的要求執行撤票處理。此時，分行作業系統110接收來自光票中心系統120的撤票通知，並依據撤票通知執行退票。If there is a clear ticket that cannot be proposed to the collector, or the cancellation process is performed at the request of the customer. At this time, the branch operation system 110 receives the cancellation notification from the ticket clearing center system 120, and executes the refund according to the cancellation notification.

然而，不管票據狀態為收妥、部分收妥、退票、收妥後退票或者是撤票，光票中心系統120都會每日產生日結光票結果報表，例如，光票託收批次銷帳失敗明細表、光票託收批次銷帳成功明細表、光票託收撤票明細表、退票及批次作業未銷帳票據明細表等，以彙整當日光票託收的處理結果。此外，光票中心系統120也會依據當日所收到的光票登錄資訊以及票據掃描檔產生日結光票託收處理報表，以彙整當日應處理的票據內容。However, regardless of whether the bill status is received, partially received, refunded, refunded after receipt, or withdrawn, the clearing center system 120 will generate a daily clearing result report every day, for example, clear bill collection batch write-off The failure details table, the clear bill collection batch write-off success details table, the clean bill collection and withdrawal details table, the refund and batch operation unaccounted bill details table, etc., are used to summarize the processing results of the current day bill collection. In addition, the clearing center system 120 will also generate a daily clearing receipt processing report according to the clearing registration information and the bill scanning file received on the day, so as to collect the contents of the bills to be processed on the day.

除此之外，分行作業系統110也會依據光票登錄資訊的到期日以及票據狀態產生日結光票處理報表以及分行日結光票結果報表。分行日結光票處理報表例如具有本日應掃描票據、次日應掃描票據等，分行日結光票結果報表例如具有本日收妥銷帳票據、本日登錄退票等。Besides, the branch operation system 110 will also generate a daily clearing ticket processing report and a branch daily clearing ticket result report according to the expiration date of the clearing ticket registration information and the bill status. The branch daily clearing bill processing report includes, for example, the bills that should be scanned today, the bills that should be scanned the next day, and the like, and the branch daily clearing bill result report includes, for example, the receipt and write-off bills received today, the log-in and refunded bills today, and the like.

在本揭露的一實施例中，光票中心系統120還儲存光票登錄資訊以及歷史光票登錄資訊，且光票中心系統120還提供報表查詢介面，以依據查詢指令提供相應的光票登錄資訊或明細表。詳細來說，在光票中心系統120中，會將結案3年內票據及結案3年後票據分開保存。並且，在報表查詢介面中，提供了簡易查詢設定及進階查詢設定。簡易查詢設定的查詢項目例如為：未批次銷帳票據、退票紀錄、中心撤票、託收逾期、未銷帳票據、收妥票據、掃描票據、收妥金額不符票據等。而近接查詢設定的查詢項目例如為：票據金額、票據號碼、收票行、提送編號、必別、設帳行、匯款編號、掃描類別、掃描日期等。In an embodiment of the present disclosure, the ticket clearing center system 120 also stores the clearing ticket login information and historical clearing ticket login information, and the ticket clearing center system 120 also provides a report query interface, so as to provide the corresponding clearing ticket login information according to the query command or schedule. Specifically, in the ticket clearing center system 120, the bills within 3 years after the case is closed and the bills within 3 years after the case is closed are kept separately. In addition, in the report query interface, simple query settings and advanced query settings are provided. For example, the query items set by the simple query are: bills that have not been written off in batches, bill refund records, bills withdrawn by the center, overdue collections, bills that have not been written off, bills received, bills scanned, bills that do not match the amount received, etc. The query items set by the close query are, for example, the bill amount, the bill number, the billing bank, the delivery number, the must-do, the account setting bank, the remittance number, the scan type, the scan date, and the like.

此外，報表查詢界面還可以提供作業人員查詢來自國外匯兌系統30的多筆報表，例如日結的光票託收批次銷帳失敗明細表、光票託收撤票明細表、光票託收批次銷帳成功明細表、票據中心與分行光票登錄差異明細表、退票及批次作業未銷帳票據明細表、未到期外幣票據存入明細表、外幣票據應提示明細表，或者是月結的光票託收成本分攤統計表，或者是年結的代墊旅行支票託收費用統計表等。藉由光票託收系統120的集中管理，各分行及銀行可以以全面完整的資料瞭解光票託收作業的情形。在這樣的情形下，光票託收系統100不僅降低了人力、時間及作業成本，同時也提升了管理的效果。In addition, the report query interface can also provide operators to query multiple reports from the foreign exchange system 30, such as the daily-settled clean bill collection batch write-off failure list, clean bill collection and withdrawal detail list, clean bill collection Detailed list of successful batch write-off, detailed list of difference between clear ticket registration between bill center and branch, detailed list of unpaid bills for refund and batch operations, detailed list of deposit of unexpired foreign currency bills, detailed list of foreign currency bills that should be prompted, or It is a statistical table of cost allocation for clean check collection at monthly end, or a statistical table for collection of traveler's checks in advance at year end. With the centralized management of the clean-ticket collection system 120, each branch and bank can know the status of the clean-ticket collection operation with comprehensive and complete information. Under such circumstances, the clear ticket collection system 100 not only reduces manpower, time and operation costs, but also improves the management effect.

綜上所述，本揭露的光票託收系統通過分行作業系統以及光票中心系統的協作，可以將各個分行作業系統的光票登錄資訊以及票據掃描檔進行彙整，進而傳送到光票中心系統，並統一由光票中心系統和國外匯兌系統聯繫。藉此，以提供銀行整合的光票作業系統與流程，進而減少銀行在光票處理上耗損的成本。不僅如此，通過光票託收系統的集中管理，銀行可以完整保存光票業務的相關資訊，並以整體的角度來檢視並管理光票相關業務，進而提升管理的品質。To sum up, the clear ticket collection system of the present disclosure, through the cooperation of the branch operation system and the clear ticket center system, can collect the clear ticket login information and the ticket scan files of each branch operation system, and then transmit it to the clear ticket center system. , and unified by the clear ticket center system and the foreign exchange system. In this way, a bank-integrated clearing operation system and process is provided, thereby reducing the cost of the bank in clearing processing. Not only that, through the centralized management of the clean-ticket collection system, the bank can completely save the relevant information of the clean-ticket business, and review and manage the clean-ticket related business from an overall perspective, thereby improving the quality of management.

雖然本發明已以實施例揭露如上，然其並非用以限定本發明，任何所屬技術領域中具有通常知識者，在不脫離本發明的精神和範圍內，當可作些許的更動與潤飾，故本發明的保護範圍當視後附的申請專利範圍所界定者為準。Although the present invention has been disclosed above by the embodiments, it is not intended to limit the present invention. Anyone with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, The protection scope of the present invention shall be determined by the scope of the appended patent application.

30‧‧‧國外匯兌系統50‧‧‧分行作業人員100‧‧‧光票託收系統110‧‧‧分行作業系統120‧‧‧光票中心系統S210~S260‧‧‧步驟30‧‧‧Foreign Exchange System50‧‧‧Branch Operators100‧‧‧Clear Ticket Collection System 110‧‧‧Branch Operation System 120‧‧‧Clear Ticket Center System S210~S260‧‧‧Steps

圖1繪示本揭露一實施例的光票託收系統的示意圖。圖2繪示本揭露一實施例的光票託收系統運行的流程圖。FIG. 1 is a schematic diagram of a clear ticket collection system according to an embodiment of the present disclosure. FIG. 2 is a flowchart illustrating the operation of the clean ticket collection system according to an embodiment of the present disclosure.

30‧‧‧國外匯兌系統 30‧‧‧Foreign Exchange System

100‧‧‧光票託收系統 100‧‧‧Clear ticket collection system

110‧‧‧分行作業系統 110‧‧‧ Branch Operating System

120‧‧‧光票中心系統 120‧‧‧Collection Center System

Claims

一種光票託收系統，包括：多個分行作業系統，其個別接收一光票登錄資訊，並且當各該該分行作業系統接收到該光票登錄資訊對應的一票據掃描檔及核覆結果，將該光票登錄資訊寫入至一光票彙計資訊，其中各該分行作業系統於接收到對應的該光票登錄資訊時，依據該光票登錄資訊中的到期日判斷該光票登錄資訊是否已到期以將該光票登錄資訊及該票據掃描檔寫入該光票彙計資訊；以及光票中心系統，通訊連接於該些分行託收系統，該光票中心系統於接收到各該分行作業系統傳送的該光票彙計資訊、該票據掃描檔時，依據該光票彙計資訊中的付款行資訊轉換該光票彙計資訊為付款行彙計資訊，並將該付款行彙計資訊傳送至相應的國外匯兌系統，其中該些分行作業系統包括第一分行作業系統，其中：該光票中心系統還接收來自該國外匯兌系統對該付款行彙計資訊的結果通知，該光票中心系統於結果通知為整批收妥時，判斷該結果通知的收妥金額是否與該付款行彙計資訊中所有被收妥的該光票登錄資訊的票據面額一致，該光票中心系統判斷該收妥金額與該付款行彙計資訊中所有被收妥的該光票登錄資訊的票據面額一致時，變更該付款行彙計資訊中的該光票登錄資訊的票據狀態為已收妥，並在當前日期的次營業日對該光票登錄資訊執行銷帳，該光票中心系統判斷該收妥金額不正確時，發送電文至該國外匯兌系統及該第一分行作業系統，該第一分行作業系統依據該光票登錄資訊的種類執行銷帳，該光票中心系統還於該結果通知為收妥後退票時，變更該付款行彙計資訊中的該光票登錄資訊的狀態由已收妥改為退票，並將該結果通知傳送至該第一分行作業系統，該第一分行作業系統執行退票，並判斷是否執行交易，該第一分行作業系統還接收來自該光票中心系統的撤票通知，並依據該撤票通知執行退票。 A clear ticket collection system, comprising: a plurality of branch operation systems, each of which receives a clear ticket registration information, and when each of the branch operation systems receives a ticket scanning file and a verification result corresponding to the clear ticket registration information, Write the clear ticket registration information into a clear ticket reconciliation information, wherein when each branch operating system receives the corresponding clear ticket registration information, it judges the clear ticket registration information according to the expiration date in the clear ticket registration information Whether the information has expired to write the clear ticket registration information and the ticket scan file into the clear ticket remittance information; and the clear ticket center system, which is communicatively connected to the branch collection systems, and the clear ticket center system receives the When the clear bill remittance information and the bill scanning file sent by the operating system of each branch, the clear bill remittance information is converted into the payer bank remittance information according to the paying bank information in the clear bill remittance information, and the payment is made. The bank remittance information is transmitted to the corresponding foreign exchange system, wherein the branch operation systems include the first branch operation system, wherein: the clearing center system also receives the result of the remittance information of the paying bank from the foreign exchange system of the country Notice, when the result notification is that the whole batch has been received, the system of the clearing center determines whether the received amount of the result notification is consistent with the denomination of all the received clearing registration information in the remittance information of the paying bank. When the clear ticket center system judges that the received amount is consistent with the denomination of all the received clear ticket registration information in the payer bank's remittance information, it will change the bill status of the clear ticket registration information in the payer bank's remittance information. has been received, and the write-off of the clear entry information will be executed on the business day following the current date, When the ticket clearing center system determines that the received amount is incorrect, it sends a message to the foreign exchange system of the country and the operation system of the first branch. When the result notification is refunded after receipt, the ticket center system also changes the status of the clear ticket registration information in the remittance information of the paying bank from received to refunded, and transmits the result notification to the first branch Operation system, the first branch operation system executes ticket refund and judges whether to execute the transaction, the first branch operation system also receives the ticket withdrawal notification from the ticket clearing center system, and executes the ticket refund according to the ticket withdrawal notification.

如申請專利範圍第1項所述的光票託收系統，其中該些分行作業系統包括第一分行作業系統，其中：該第一分行作業系統於該光票登錄資訊為已到期時，判斷該光票登錄資訊是否符合風險條件，該第一分行作業系統於該光票登錄資訊不符合該風險條件時，判斷傳送該核覆結果的核覆人員的用戶權限是否符合第一核准權限，當該用戶權限符合該第一核准權限時，將該光票登錄資訊及該票據掃描檔寫入該光票彙計資訊，若該票據金額符合該風險條件時，該第一分行作業系統判斷傳送該核覆結果的該用戶權限是否符合第二核准權限，當該用戶權限符合該第二核准權限時，將該光票登錄資訊及該票據掃描檔寫入該光票彙計資訊，若該光票登錄資訊為未到期，該第一分行作業系統判斷傳送該核覆結果的用戶權限是否符合第三核准權限，當該用戶權限符合該第三核准權限時，將該光票登錄資訊儲存至未到期託收光票清單資訊。 The clear ticket collection system as described in claim 1, wherein the branch operation systems include a first branch operation system, wherein: the first branch operation system determines when the clear ticket registration information is expired Whether the ticket clearing login information meets the risk condition, the first branch operating system determines whether the user authority of the reviewer who transmits the review result meets the first approval authority when the ticket clearance registration information does not meet the risk condition. When the user authority complies with the first approval authority, write the clear ticket login information and the ticket scan file into the clear ticket remittance information, and if the amount of the bill meets the risk condition, the first branch operating system determines to transmit the Whether the user authority of the verification result conforms to the second approval authority, when the user authority conforms to the second approval authority, write the blank ticket login information and the ticket scan file into the blank ticket accounting information, if the blank ticket If the login information is not expired, the operating system of the first branch determines whether the user authority for transmitting the verification result conforms to the third approval authority. When the third approval authority is satisfied, the clear ticket registration information is stored in the list information of unexpired collected clear tickets.

如申請專利範圍第2項所述的光票託收系統，其中該第一分行作業系統每日判斷該未到期託收光票清單資訊的每一筆該光票登錄資訊的該到期日是否符合當前日期，並將該到期日符合該當前日期的該光票登錄資訊以及對應的該票據掃描檔及該核覆結果加入至該光票彙計資訊。 The clear ticket collection system as described in claim 2, wherein the first branch operating system judges every day whether the expiration date of each piece of the clear ticket registration information in the unexpired collection clear ticket list information is not Match the current date, and add the blank ticket registration information with the expiration date matching the current date, the corresponding scan file of the ticket and the verification result to the blank ticket reconciliation information.

如申請專利範圍第1項所述的光票託收系統，其中該些分行作業系統包括第一分行作業系統，且該光票中心系統還接收該第一分行作業系統傳送的掃描彙計單，並依據該掃描彙計單判斷是否已存在對應該光票彙計資訊的該光票登錄資訊的該票據掃描檔，若已存在該票據掃描檔，將該光票登錄資訊的登錄狀態設定為勾核。 The clear ticket collection system as described in item 1 of the scope of the application, wherein the branch operation systems include a first branch operation system, and the clear ticket center system further receives a scanned remittance slip sent by the first branch operation system, And according to the scan remittance sheet, it is judged whether there is the ticket scan file corresponding to the clean ticket registration information of the clean bill remittance information. nuclear.

如申請專利範圍第1項所述的光票託收系統，其中該光票中心系統還於該結果通知為退票時，判斷該付款行彙計資訊中的該光票登錄資訊的票據類型，該光票中心系統還於該票據類型為旅行支票或者現金匯票(Cash letter)，對被收妥的該光票登錄資訊自動執行銷帳，並對被退票的該光票登錄資訊自動執行退票；該光票中心系統還於該票據類型為其他，不對被收妥的該光票登錄資訊執行銷帳，也不對被退票的該光票登錄資訊執行退票。 The clear-ticket collection system as described in item 1 of the scope of the application, wherein the clear-ticket center system further determines the bill type of the clear-ticket registration information in the remittance information of the paying bank when the result notification is a refund, and the The clear ticket center system also automatically executes the write-off of the received clear ticket registration information when the type of the bill is a traveler's check or a cash letter, and automatically executes a refund for the refunded clear ticket registration information; the If the ticket type is other, the clear ticket center system will not write off the received clear ticket registration information, nor will it perform refunds for the cleared ticket registration information that has been refunded.

如申請專利範圍第1項所述的光票託收系統，其中該光票中心系統還於該結果通知為退票時，判斷該付款行彙計資訊中的該光票登錄資訊的票據類型，該光票中心系統還於該票據類型為旅行支票或者現金匯票(Cash letter)，批次執行退票，並判斷是否執行交易；該光票中心系統還於該票據類型為其他，將該通知結果傳送至該第一分行作業系統，該第一分行作業系統執行退票，並判斷是否執行其他交易。 The clear-ticket collection system as described in item 1 of the scope of the application, wherein the clear-ticket center system further determines the bill type of the clear-ticket registration information in the remittance information of the paying bank when the result notification is a refund, and the The clearing center system also executes refunds in batches when the bill type is traveler's check or cash letter, and determines whether to execute the transaction; the clearing center system also transmits the notification result to the other when the bill type is other. The first branch operation system, the first branch operation system executes the refund, and judges whether to execute other transactions.

如申請專利範圍第1項所述的光票託收系統，其中該些分行作業系統包括第一分行作業系統，且該光中心系統還依據該光票登錄資訊的票據狀態產生日結光票處理報表及日結光票結果報表，該第一分行作業系統還依據光票登錄資訊的到期日以及票據狀態產生分行日結光票處理報表以及分行日結光票結果報表。 The clear ticket collection system as described in claim 1, wherein the branch operation systems include a first branch operation system, and the optical center system also generates daily settlement clear ticket processing according to the bill status of the clear ticket registration information The first branch operating system also generates a branch daily clearing bill processing report and a branch daily clearing bill result report according to the expiration date of the clearing ticket login information and the bill status.

如申請專利範圍第1項所述的光票託收系統，其中該光票中心系統還儲存該光票登錄資訊以及歷史光票登錄資訊，且該光票中心系統還提供報表查詢介面，該報表查詢介面依據查詢指令提供相應的光票登錄資訊或明細表。The clear ticket collection system as described in item 1 of the scope of the application, wherein the clear ticket center system further stores the clear ticket log-in information and historical clear ticket log information, and the clear ticket center system also provides a report query interface. The query interface provides the corresponding clear ticket login information or detailed list according to the query command.