TWM600895U

TWM600895U - Online instant notification system for large amounts of funds

Info

Publication number: TWM600895U
Application number: TW109206365U
Authority: TW
Inventors: 楊易寰
Original assignee: 合作金庫商業銀行股份有限公司
Priority date: 2020-05-22
Filing date: 2020-05-22
Publication date: 2020-09-01

Abstract

An online instant notification system for large amounts of funds includes a business unit server, a message processing server, and a finance department server. The message processing server is connected to the business unit server to receive a demand message from the business unit server, and the finance department server is connected to the message processing server. In addition, the business unit server sends the demand message to the finance department server through the message processing server, and the finance department server performs fund scheduling according to the demand message.

Description

大額資金網路即時通報系統 Real-time notification system for large funds

本新型係有關於一種即時通報系統。特別是有關於一種大額資金網路即時通報系統。 This model relates to an instant notification system. In particular, there is a real-time notification system for large-sum funds online.

隨著金融體系的日益健全，個人或企業往往將資金儲存於銀行等金融機構之中。一個穩定的金融體系才能具有競爭力，且應對各種潛在威脅，化解金融風險，保障金融安全，以能保持貨幣穩定。 As the financial system becomes more and more sound, individuals or companies often deposit funds in banks and other financial institutions. Only a stable financial system can be competitive, deal with various potential threats, resolve financial risks, ensure financial security, and maintain currency stability.

一般而言，銀行客戶若欲進行大額的資金調度時，例如是當進出金額達新台幣一億元以上時，銀行會要求客戶先以電話通報資金異動，而銀行的營業單位，則根據客戶的需求辦理通報作業。傳統的通報作業，常採用電話通報的方式進行。但若因電話占線或其他原因，常常造成漏報的情況。此外，透過電話通報也可能發生報錯或誤聽等爭議，以致於造成資金準備的錯誤。 Generally speaking, if a bank customer wants to make a large amount of capital scheduling, for example, when the amount of in and out of NT$100 million or more, the bank will require the customer to notify the capital change by phone, and the bank’s business unit will follow the customer’s Needs to handle notification operations. Traditional notification operations are often carried out by telephone notification. However, if the line is busy or other reasons, it often results in underreporting. In addition, disputes such as error reporting or misunderstanding may also occur through telephone reporting, which may cause errors in fund preparation.

另，若客戶辦理金融電子資料交換或匯兌等自動入帳交易的作業時，營業單位必須以人工查詢，才能避免發生漏報之情事。因此，現行之大額資金通報作業耗費人力且有作業風險。 In addition, if a customer handles automatic accounting transactions such as financial electronic data exchange or remittance, the business unit must make manual inquiries to avoid underreporting. Therefore, the current large-capital notification operation consumes manpower And there are operational risks.

新型內容旨在提供本揭示內容的簡化摘要，以使閱讀者對本揭示內容具備基本的理解。此新型內容並非本揭示內容的完整概述，且其用意並非在指出本新型實施例的重要/關鍵元件或界定本新型的範圍。 The new content is intended to provide a simplified summary of the content of this disclosure, so that readers have a basic understanding of the content of this disclosure. This new content is not a complete overview of the present disclosure, and its intention is not to point out the important/key elements of the embodiments of the present invention or to define the scope of the present invention.

本新型內容之一目的是在提供一種大額資金網路即時通報系統，可以提升通報的即時性與準確性，且同時提升後續客戶資金規劃與分析的正確性。 One of the objectives of this new type of content is to provide a real-time notification system for large-sum funds online, which can improve the timeliness and accuracy of notification, and at the same time improve the accuracy of subsequent customer fund planning and analysis.

為達上述目的，本新型內容之一技術態樣係關於一種大額資金網路即時通報系統包含有一營業單位伺服器、一訊息處理伺服器以及一財務部伺服器。 In order to achieve the above-mentioned purpose, one technical aspect of the present invention relates to a large-amount capital network real-time notification system including a business unit server, a message processing server, and a finance department server.

訊息處理伺服器連接於營業單位伺服器，以接收來自於營業單位伺服器的一金額需求訊息，而財務部伺服器連接於訊息處理伺服器。其中，營業單位伺服器，經由訊息處理伺服器，傳送金額需求訊息至財務部伺服器，且財務部伺服器根據金額需求訊息，進行資金調度。 The message processing server is connected to the business unit server to receive an amount demand message from the business unit server, and the finance department server is connected to the message processing server. Among them, the business unit server sends the amount demand message to the finance department server through the message processing server, and the finance department server performs fund scheduling based on the amount demand message.

在一些實施例中，營業單位伺服器包含有一判斷模組，當有一客戶預定的進出金額大於一預定金額時，經由訊息處理伺服器傳送金額需求訊息，以通知財務部伺服器。 In some embodiments, the business unit server includes a judging module, and when a customer's predetermined inward and outward amount is greater than a predetermined amount, it sends an amount demand message via the message processing server to notify the finance department server.

在一些實施例中，營業單位伺服器更包含有一通報模組，連接於判斷模組，當判斷模組判斷客戶預定的進出金額大於預定金額時，通報模組傳送金額需求訊息至訊息處理伺服器，並經由訊息處理伺服器通知財務部伺服器。 In some embodiments, the business unit server further includes a notification module connected to the judgment module. When the judgment module determines that the customer is scheduled to enter and exit When the amount is greater than the predetermined amount, the notification module sends an amount demand message to the message processing server, and informs the finance department server through the message processing server.

在一些實施例中，財務部伺服器包含有一訊息接收模組，接收來自於訊息處理伺服器的金額需求訊息。 In some embodiments, the server of the financial department includes a message receiving module that receives the amount demand message from the message processing server.

在一些實施例中，財務部伺服器更包含有一金額計算模組，連接於訊息接收模組，以根據金額需求訊息，計算所需的資金。 In some embodiments, the server of the finance department further includes an amount calculation module connected to the message receiving module to calculate the required funds based on the amount demand information.

在一些實施例中，財務部伺服器更包含有一資料儲存模組，連接於金額計算模組，以儲存金額需求訊息的相關資訊。 In some embodiments, the server of the finance department further includes a data storage module connected to the amount calculation module to store information related to the amount demand message.

在一些實施例中，大額資金網路即時通報系統更包含有一客戶端電腦以及一網銀伺服器連接於客戶端電腦以及財務部伺服器之間。其中，該客戶端電腦，提供客戶可經由網銀伺服器，進行一金融電子資料交換或一匯兌。 In some embodiments, the large-amount online real-time notification system further includes a client computer and an online banking server connected between the client computer and the server of the financial department. Among them, the client computer provides that customers can perform a financial electronic data exchange or a currency exchange through the online banking server.

在一些實施例中，網銀伺服器連接財務部伺服器，以將金融電子資料交換或匯兌的資料傳送至財務部伺服器。 In some embodiments, the online banking server is connected to the server of the finance department to transmit financial electronic data exchange or exchange data to the server of the finance department.

在一些實施例中，財務部伺服器的資料儲存模組，更用來儲存來自於網銀伺服器的金融電子資料交換或匯兌的資料。 In some embodiments, the data storage module of the server of the finance department is further used to store financial electronic data exchange or exchange data from the online banking server.

因此，所述之大額資金網路即時通報系統，可以有效地避免人工通報所產生的問題，更能增加通報的即時性與準確性，同時提升後續資料的價值，提升後續客戶資金規劃與分析的正確性。 Therefore, the aforementioned large-amount capital network real-time notification system can effectively avoid problems caused by manual notification, increase the timeliness and accuracy of notification, and increase the value of subsequent data, and improve subsequent customer funding planning and analysis The correctness.

100:大額資金網路即時通報系統 100: Internet real-time notification system for large funds

110:營業單位伺服器 110: business unit server

120:訊息處理伺服器 120: message processing server

130:財務部伺服器 130: Finance Department Server

140:客戶端電腦 140: client computer

150:網銀伺服器 150: Online Banking Server

210:判斷模組 210: Judgment Module

220:通報模組 220: Notification Module

310:訊息接收模組 310: message receiving module

320:金額計算模組 320: Amount calculation module

330:資料儲存模組 330: Data Storage Module

為讓本揭露之上述和其他目的、特徵、優點與實施例能更明顯易懂，所附圖式之說明如下： In order to make the above and other objectives, features, advantages and embodiments of this disclosure more obvious and understandable, the description of the accompanying drawings is as follows:

第1圖是依照本新型一實施例所繪示的一種大額資金網路即時通報系統之示意圖。 Figure 1 is a schematic diagram of a real-time notification system for large-amount funds according to an embodiment of the present invention.

第2圖是大額資金網路即時通報系統之一營業單位伺服器示意圖。 Figure 2 is a schematic diagram of a business unit server in a large-amount capital network instant notification system.

第3圖是大額資金網路即時通報系統之一財務部伺服器示意圖。 Figure 3 is a schematic diagram of the server of the Finance Department, one of the real-time notification systems for large-amount funds.

下文係舉實施例配合所附圖式進行詳細說明，但所提供之實施例並非用以限制本揭露所涵蓋的範圍，而結構運作之描述非用以限制其執行之順序，任何由元件重新組合之結構，所產生具有均等功效的裝置，皆為本揭露所涵蓋的範圍。另外，圖式僅以說明為目的，並未依照原尺寸作圖。為使便於理解，下述說明中相同元件或相似元件將以相同之符號標示來說明。 The following is a detailed description of the embodiments with the accompanying drawings, but the provided embodiments are not used to limit the scope of the disclosure, and the description of the structure operation is not used to limit the order of its execution, any recombination of components The structure and the devices produced with equal effects are all covered by this disclosure. In addition, the drawings are for illustrative purposes only, and are not drawn according to the original dimensions. To facilitate understanding, the same elements or similar elements in the following description will be described with the same symbols.

另外，在全篇說明書與申請專利範圍所使用之用詞(terms)，除有特別註明外，通常具有每個用詞使用在此領域中、在此揭露之內容中與特殊內容中的平常意義。某些用以描述本揭露之用詞將於下或在此說明書的別處討論，以提供本領域技術人員在有關本揭露之描述上額外的引導。 In addition, the terms (terms) used in the entire specification and the scope of the patent application, unless otherwise specified, usually have the usual meaning of each term used in this field, in the content disclosed here, and in the special content . Some terms used to describe the present disclosure will be discussed below or elsewhere in this specification, so as to provide those skilled in the art with additional information on the description of the present disclosure guide.

於實施方式與申請專利範圍中，除非內文中對於冠詞有所特別限定，否則『一』與『該』可泛指單一個或複數個。而步驟中所使用之編號僅係用來標示步驟以便於說明，而非用來限制前後順序及實施方式。 In the implementation mode and the scope of the patent application, unless the article is specifically limited in the context, "a" and "the" can generally refer to a single or plural. The numbers used in the steps are only used to mark the steps for ease of description, and are not used to limit the sequence and implementation.

其次，在本文中所使用的用詞『包含』、『包括』、『具有』、『含有』等等，均為開放性的用語，即意指包含但不限於。 Secondly, the terms "include", "include", "have", "contain", etc. used in this article are all open terms, meaning including but not limited to.

第1圖係依照本新型一實施例所繪示的一種大額資金網路即時通報系統之示意圖，第2圖是大額資金網路即時通報系統之一營業單位伺服器示意圖，而第3圖則是大額資金網路即時通報系統之一財務部伺服器示意圖。 Figure 1 is a schematic diagram of a large-amount capital network real-time notification system according to an embodiment of the present invention. Figure 2 is a schematic diagram of a business unit server of a large-amount capital network real-time notification system, and Figure 3 It is a schematic diagram of the server of the Finance Department, one of the real-time notification systems for large-amount funds.

首先參閱第1圖，如圖中所示，大額資金網路即時通報系統100包含有一營業單位伺服器110、一訊息處理伺服器120以及一財務部伺服器130。 First, referring to FIG. 1, as shown in the figure, the large-amount capital network instant notification system 100 includes a business unit server 110, a message processing server 120 and a financial department server 130.

其中，訊息處理伺服器120連接於營業單位伺服器110，以接收來自於營業單位伺服器110的一金額需求訊息，而財務部伺服器130則連接於訊息處理伺服器120。當營業單位伺服器110，經由訊息處理伺服器120，傳送所述之金額需求訊息至財務部伺服器130後，財務部伺服器130根據金額需求訊息，進行資金調度。 Wherein, the message processing server 120 is connected to the business unit server 110 to receive an amount demand message from the business unit server 110, and the finance department server 130 is connected to the message processing server 120. After the business unit server 110 transmits the amount demand message to the finance department server 130 via the message processing server 120, the finance department server 130 performs fund scheduling according to the amount demand message.

在一些實施例中，營業單位伺服器110包含有一判斷模組210以及一通報模組220。判斷模組210在有一客戶預定的進出金額大於一預定金額時，經由訊息處理伺服器120發出金額需求訊息，以通知財務部伺服器130。 In some embodiments, the business unit server 110 includes a judgment module 210 and a notification module 220. The judging module 210, when a predetermined amount of in and out of a customer is greater than a predetermined amount, performs information processing The server 120 sends an amount demand message to notify the server 130 of the finance department.

在一些實施例中，客戶預定的進出金額大於新台幣一億元時，判斷模組210會發出金額需求訊息，以經由訊息處理伺服器120傳送至財務部伺服器130。 In some embodiments, when the customer's predetermined amount of in and out is greater than NT$100 million, the determining module 210 will send an amount demand message to be sent to the server 130 of the finance department via the message processing server 120.

通報模組220則連接於判斷模組210與訊息處理伺服器120之間，當判斷模組210判斷客戶預定進出金額大於預定金額時，通報模組220傳送金額需求訊息至訊息處理伺服器120，並經由訊息處理伺服器120通知財務部伺服器130。在一些實施例中，通報模組220包含有一即時通訊軟硬體、一電子郵件軟硬體或其他類似軟硬體，其均不脫離本新型之精神與範圍。在一些實施例中，通報模組220更可以根據訊息處理伺服器120回覆之訊息，瞭解財務部伺服器130是否已接收到金額需求訊息，以避免訊息沒有正常發送，更可以後續進行追蹤及必要時的再次通知，以避免資金準備不足的情況。 The notification module 220 is connected between the judgment module 210 and the message processing server 120. When the judgment module 210 determines that the customer's predetermined amount of inbound and outbound amount is greater than the predetermined amount, the notification module 220 sends an amount demand message to the message processing server 120. And notify the server 130 of the finance department via the message processing server 120. In some embodiments, the notification module 220 includes an instant messaging software and hardware, an email software and hardware, or other similar software and hardware, which do not depart from the spirit and scope of the present invention. In some embodiments, the notification module 220 can further understand whether the financial department server 130 has received the amount demand message based on the message replies from the message processing server 120, so as to prevent the message from not being sent normally, and can be followed up and necessary. Notice again at the time to avoid insufficient funding.

在一些實施例中，財務部伺服器130包含有一訊息接收模組310、一金額計算模組320以及一資料儲存模組330。訊息接收模組310接收來自於訊息處理伺服器120的金額需求訊息。金額計算模組320連接於訊息接收模組310，以根據金額需求訊息，計算銀行所需的資金。資料儲存模組330連接於金額計算模組320，以儲存金額需求訊息的相關資訊，例如是金額大小、客戶名稱以及用途等相關資訊。 In some embodiments, the financial department server 130 includes a message receiving module 310, an amount calculation module 320, and a data storage module 330. The message receiving module 310 receives the money demand message from the message processing server 120. The amount calculation module 320 is connected to the message receiving module 310 to calculate the funds required by the bank based on the amount demand message. The data storage module 330 is connected to the amount calculation module 320 to store information related to the amount demand information, such as the amount of money, the customer name, and the usage information.

在一些實施例中，大額資金網路即時通報系統100 更包含有一客戶端電腦140以及一網銀伺服器150連接於客戶端電腦140以及財務部伺服器130之間。 In some embodiments, the large-amount network real-time notification system 100 It further includes a client computer 140 and an online banking server 150 connected between the client computer 140 and the server 130 of the financial department.

客戶端電腦140，提供客戶經由網銀伺服器150，連接網銀，以進行一金融電子資料交換或一匯兌的功能。其中，金融電子資料交換(Financial Electronic Data Interchange；FEDI)，簡稱金融EDI，係企業或個人利用電腦作業，以特定的標準格式，經由通訊網路與金融機構連線，進行企業之自行、跨行及跨網之付款、資金調撥及轉帳等金融服務。 The client computer 140 provides the customer with the function of connecting to the online banking via the online banking server 150 to perform a financial electronic data exchange or a currency exchange. Among them, Financial Electronic Data Interchange (FEDI), abbreviated as financial EDI, refers to the use of computers by enterprises or individuals to connect with financial institutions through communication networks in a specific standard format to conduct self-, inter-bank and inter- Financial services such as online payment, fund transfer and account transfer.

而網銀伺服器150亦連接財務部伺服器130，以將金融電子資料交換或匯兌的資料傳送至財務部伺服器130，並藉由財務部伺服器130的資料儲存模組330，儲存來自於網銀伺服器150的金融電子資料交換或匯兌的資料。 The online banking server 150 is also connected to the financial department server 130 to send financial electronic data exchange or exchange data to the financial department server 130, and the data storage module 330 of the financial department server 130 stores data from the online banking Financial electronic data exchange or exchange data of the server 150.

因此，銀行之財務單位以及營業單位可以即時掌握客戶資金異動情形，且相關資料亦可同時提供業發部門或其他單位使用，嗣後總行及營業單位亦得利用儲存之資料，作為資金規劃、分析之用，大幅提升總行及營業單對客戶資金異動情形的瞭解及預估，例如是發放股利等資金異動。 Therefore, the financial unit and business unit of the bank can instantly grasp the situation of customer fund changes, and the relevant information can also be provided to the business development department or other units at the same time. The head office and business units can then use the stored data for capital planning and analysis Use, greatly improve the head office and business receipts’ understanding and estimation of customer capital changes, such as the payment of dividends and other capital changes.

綜上所述，本新型所揭露之大額資金網路即時通報系統，可以有效地避免人工通報所產生的問題，更能增加通報的即時性與準確性，同時提升後續資料的價值，提升後續客戶資金規劃與分析的正確性。 In summary, the large-value online real-time notification system disclosed in the present model can effectively avoid problems caused by manual notification, increase the timeliness and accuracy of notification, and increase the value of subsequent data and follow-up The correctness of client funding planning and analysis.

雖然本揭露已以實施方式揭露如上，然其並非用以限定本揭露，任何本領域具通常知識者，在不脫離本揭露之精神和範圍內，當可作各種之更動與潤飾，因此本揭露之保護範圍當視後附之申請專利範圍所界定者為準。 Although this disclosure has been disclosed in the above manner, it is not intended to limit the disclosure. Anyone with ordinary knowledge in the field can make various changes and modifications without departing from the spirit and scope of this disclosure. Therefore, this disclosure The scope of protection shall be subject to the scope of the attached patent application.

110:營業單位伺服器 110: business unit server

120:訊息處理伺服器 120: message processing server

130:財務部伺服器 130: Finance Department Server

140:客戶端電腦 140: client computer

150:網銀伺服器 150: Online Banking Server

Claims

一種大額資金網路即時通報系統，包含： A real-time notification system for large-sum funds online, including:

一營業單位伺服器； A business unit server;

一訊息處理伺服器，連接於該營業單位伺服器，以接收來自於該營業單位伺服器的一金額需求訊息；以及 A message processing server connected to the business unit server to receive an amount demand message from the business unit server; and

一財務部伺服器，連接於該訊息處理伺服器，其中，該營業單位伺服器，經由該訊息處理伺服器，傳送該金額需求訊息至該財務部伺服器，且該財務部伺服器根據該金額需求訊息，進行資金調度。 A finance department server is connected to the message processing server, wherein the business unit server sends the amount demand message to the finance department server through the message processing server, and the finance department server according to the amount Demand information, fund scheduling.

如請求項1所述之大額資金網路即時通報系統，其中該營業單位伺服器，包含： The real-time notification system for large-sum funds network as described in claim 1, wherein the business unit server includes:

一判斷模組，當有一客戶預定的進出金額大於一預定金額時，經由該訊息處理伺服器傳送該金額需求訊息，以通知該財務部伺服器。 A judging module, when a customer's predetermined inward and outward amount is greater than a predetermined amount, send the amount demand message via the message processing server to notify the financial department server.

如請求項2所述之大額資金網路即時通報系統，其中該營業單位伺服器，更包含： The real-time notification system for large-sum funds network as described in claim 2, in which the business unit server further includes:

一通報模組，連接於該判斷模組，當該判斷模組判斷該客戶預定的進出金額大於該預定金額時，通報模組傳送該金額需求訊息至該訊息處理伺服器，並經由該訊息處理伺服器通知該財務部伺服器。 A notification module is connected to the judgment module. When the judgment module judges that the predetermined amount of in and out of the customer is greater than the predetermined amount, the notification module sends the amount demand message to the message processing server and processes it through the message The server informs the server of the finance department.

如請求項3所述之大額資金網路即時通報系統，其中該財務部伺服器，包含： Real-time communication of large amounts of funds as described in claim 3 Reporting system, where the server of the Finance Department includes:

一訊息接收模組，接收來自於該訊息處理伺服器的該金額需求訊息。 A message receiving module receives the amount demand message from the message processing server.

如請求項4所述之大額資金網路即時通報系統，其中該財務部伺服器，更包含： The real-time notification system of large-sum funds network as described in claim 4, wherein the server of the finance department further includes:

一金額計算模組，連接於該訊息接收模組，以根據該金額需求訊息，計算所需的資金。 An amount calculation module is connected to the message receiving module to calculate the required funds based on the amount demand message.

如請求項5所述之大額資金網路即時通報系統，其中該財務部伺服器，更包含： The real-time notification system of large-sum funds network as described in claim 5, wherein the server of the finance department further includes:

一資料儲存模組，連接於該金額計算模組，以儲存該金額需求訊息的資訊。 A data storage module is connected to the amount calculation module to store the information of the amount demand message.

如請求項6所述之大額資金網路即時通報系統，更包含： The real-time notification system for large-sum funds network as described in claim 6, further including:

一客戶端電腦；以及 A client computer; and

一網銀伺服器，連接於該客戶端電腦以及該財務部伺服器之間。 An online banking server is connected between the client computer and the server of the financial department.

如請求項7所述之大額資金網路即時通報系統，其中該客戶端電腦，提供客戶，經由該網銀伺服器，進行一金融電子資料交換或一匯兌。 For example, the large-amount capital network real-time notification system described in claim 7, wherein the client computer provides customers with a financial electronic data exchange or a foreign exchange through the online banking server.

如請求項8所述之大額資金網路即時通報系統，其中該網銀伺服器，連接該財務部伺服器，以將該金融電子資料交換或該匯兌的資料傳送至該財務部伺服器。 According to the large-amount capital network real-time notification system described in claim 8, wherein the online banking server is connected to the financial department server to send the financial electronic data exchange or the exchange data to the financial department server.

如請求項9所述之大額資金網路即時通報系統，其中該財務部伺服器的該資料儲存模組，儲存來自於該網銀伺服器的該金融電子資料交換或該匯兌的該些資料。 For example, the large-amount capital network real-time notification system described in claim 9, wherein the data storage module of the server of the finance department stores the data of the financial electronic data exchange or the exchange from the online banking server.