TW201837817A - Interbank transfer multichannel operating system - Google Patents

Abstract

An interbank transfer multichannel operating system includes a financial EDI business transfer device, a financial XML business transfer device, a financial remittances transfer device, and an interbank transfer transaction server. The interbank transfer transaction server connects the financial EDI business transfer device, the financial XML business transfer device, and the financial remittances transfer device.

Description

 Inter-bank transfer backup multi-channel operating system  

The present invention relates to a cross-bank transfer operation system. In particular, there is a multi-channel operating system for inter-bank transfer backup.

With the advancement of technology, the computer industry is also increasingly developed, and all walks of life can quickly use computers and the Internet for transactions and remittances. There are many types of inter-bank transfer channels for existing corporate customers. However, in general, when a user selects an inter-bank transfer pipeline, the traditional trading system will use the designated transfer pipeline to perform cross-bank transfer services according to the customer's needs.

At this time, the receiving bank will also confirm the success of the transfer transaction based on the information transmitted by the pipeline, and return the corresponding message to confirm whether the payment bank has completed the payment. When there is an error in the middle of the link, it will cause the transfer transaction to fail.

When the transfer transaction fails, it may cause the termination of subsequent business activities, which in turn affects the customer's rights and interests, and may even affect the customer's reputation.

Therefore, how to provide a convenient and effective interbank transfer system is an active goal for all banks and users.

In view of this, the present invention discloses an inter-bank transfer backup multi-channel operation system, and more particularly to an inter-bank transfer backup multi-channel operation system capable of automatically adjusting a transfer mode.

According to an embodiment of the present invention, there is provided a cross-bank transfer backup multi-channel operation system, comprising a financial EDI service transfer device, a financial XML service transfer device, a financial exchange service transfer device, and an interbank transfer transaction. server. The interbank transfer transaction server connects the financial EDI business transfer device, the financial XML service transfer device, and the financial exchange service transfer device. When the inter-bank transfer transaction server receives the inter-bank payment instruction, according to the judgment principle, one of the above-mentioned transfer devices is transmitted to perform the transfer service. When the transfer service fails due to one of the above-mentioned transfer devices, the transfer to the other of the transfer devices described above is performed.

In one embodiment, the interbank transfer transaction server includes a connection interface for connecting to the financial EDI service transfer device, the financial XML service transfer device, and the financial exchange service transfer device.

In an embodiment, the interbank transfer backup multi-channel operating system further includes a financial information company transaction platform server connected to the financial EDI business transfer device, the financial XML business transfer device, and the financial exchange service transfer device, thereby returning Receiving bank account information or cross-bank transfer transaction failure information.

In one embodiment, the interbank transfer transaction server includes a processor coupled to the connection interface to perform the determination operation in accordance with the determination principle.

In one embodiment, the interbank transfer transaction server includes a processor coupled to the connection interface for transmitting an interbank payment instruction via one of the transfer devices to perform the transfer service in accordance with the discriminating principle.

In an embodiment, the interbank transfer transaction server includes a processor connected to the connection interface. According to the judgment principle, when one of the transfer devices fails to perform the transfer service, the interbank payment instruction is transmitted via the transfer device. The other performs the transfer business.

In an embodiment, the interbank transfer transaction server includes a processor connected to the connection interface, and returns the receipt bank information or the interbank transfer transaction failure information from the financial information company transaction platform server to the client.

In an embodiment, the interbank transfer backup multi-channel operating system further includes an accounting processing transaction server connected to the financial information company trading platform server to transmit the receiving bank accounting information or the cross-bank transfer transaction failure information to Financial Information Corporation trading platform server.

In summary, the inter-bank transfer backup multi-channel operation system disclosed in the present invention can automatically select a pair when the user performs an inter-bank transfer via the interbank transfer multi-channel operation system of the present invention by means of a plurality of inter-bank transfer devices. The user-friendly transfer device performs transfer. When the transfer is unsuccessful, another transfer device is automatically selected for transfer, and the success rate of the inter-bank transfer is greatly improved by the assistance of various transfer devices, thereby avoiding the loss of the user due to the transfer failure. .

100‧‧‧Interbank transfer transaction server

110‧‧‧ processor

120‧‧‧Connection interface

200‧‧‧Financial EDI business transfer device

300‧‧‧Financial XML business transfer device

400‧‧‧Financial exchange business transfer device

500‧‧‧Financial Information Company Trading Platform Server

600‧‧‧Accounting transaction server

The above and other objects, features, advantages and embodiments of the present disclosure will be more apparent and understood. The description of the drawings is as follows: FIG. 1 is a cross-row transfer backup according to an embodiment of the present invention. Schematic diagram of the channel operating system.

The following is a detailed description of the embodiments, but the embodiments are not intended to limit the scope of the disclosure, and the description of the structural operation is not intended to limit the order of execution, and any components are recombined. The structure and the device with equal efficiency are all covered by the disclosure. In addition, the drawings are for illustrative purposes only and are not drawn to the original dimensions. For the sake of understanding, the same or similar elements in the following description will be denoted by the same reference numerals.

In addition, the terms used in the entire specification and the scope of the patent application, unless otherwise specified, usually have the usual meaning of each word used in the field, in the content disclosed herein and in the special content. . Certain terms used to describe the disclosure are discussed below or elsewhere in this specification to provide additional guidance to those skilled in the art in the description of the disclosure.

The terms "first", "second", etc., as used herein, are not intended to refer to the order or the order, and are not intended to limit the invention, only to distinguish the elements described in the same technical terms. Or just operate.

Secondly, the terms "including", "including", "having", "containing", and the like, as used herein, are all open terms, meaning, but not limited to.

FIG. 1 is a schematic diagram of a cross-line transfer backup multi-channel operation system according to an embodiment of the invention. As shown in the figure, the interbank transfer redundant multi-channel operating system includes a financial EDI (Financial Electronic Data Interchange) business transfer device 200, a financial XML business transfer device 300, a financial exchange service transfer device 400, and A cross-bank transfer transaction server 100. Among them, financial XML refers to the financial information system adopts the International XML (Extensible Markup Language) message standard to provide cross-bank fund transfer for enterprise households to make real-time payment transfer through the webpage.

The interbank transfer transaction server 100 connects the financial EDI service transfer device 200, the financial XML service transfer device 300, and the financial exchange service transfer device 400. When the interbank transfer transaction server 100 receives the interbank payment instruction, according to the judgment principle, one of the transfer devices performs transfer service, or when one of the transfer devices fails to perform the transfer service, the transfer is performed. The other of the transfer devices performs the transfer service.

The interbank transfer transaction server 100 includes a connection interface 120 for connecting to the financial EDI service transfer device 200, the financial XML service transfer device 300, and the financial exchange service transfer device 400, and a processor 110 connected to the connection interface 120. The judgment operation is performed according to the judgment principle.

In an embodiment, when the customer wants to make an inter-bank transfer, the inter-bank transfer transaction server 100 sends an inter-bank payment instruction, and the processor 110 judges according to the judgment principle, for example, the cost is lower, or the speed is faster, and The transfer is most stable, but the present invention is not limited thereto, and it is decided to perform cross-bank remittance by one of the financial EDI transfer device 200, the financial XML transfer device 300, and the financial exchange transfer device 400.

In an embodiment, the processor 110 selects and notifies the financial XML service transfer device 300 via the connection interface 120 to make a transfer. At this time, the financial XML business transfer device 300 generates a message, which is sent to the financial information company trading platform server 500, and transmitted to the receiving bank's accounting processing transaction server 600 via the financial information company trading platform server 500. To make a transfer.

At this time, if the transfer is successful, the interbank transfer transaction server 100 will receive a receipt bank account information. However, if the interbank transfer transaction server 100 does not obtain a response to the interbank remittance for a predetermined period of time, or receives an interbank transfer transaction failure message, the processor 110 will select another transfer device for the transfer, for example, selecting a financial EDI service. Transfer device 200.

At this time, the processor 110 will also notify the financial EDI service transfer device 200 via the connection interface 120 to perform the transfer. If the transfer is successful, the interbank transfer transaction server 100 will receive a receipt bank entry information. However, if the interbank transfer transaction server 100 does not obtain a response to the interbank remittance for a predetermined period of time, or receives an interbank transfer transaction failure message, the processor 110 will select another transfer device to transfer the funds, for example, selecting a financial pass. The business transfer device 400.

The processor 110 can further return the receiving bank account information or the cross-bank transfer transaction failure information from the financial information company trading platform server 500 to the user of the client.

In summary, the inter-bank transfer backup multi-channel operation system of the present invention can automatically select a user when the user performs cross-bank transfer via the inter-bank transfer backup multi-channel operation system of the present invention by means of a plurality of inter-bank transfer devices. The advantageous transfer device performs the transfer. When the transfer is unsuccessful, another transfer device is automatically selected for the transfer, and the success rate of the inter-bank transfer is greatly improved by the assistance of the plurality of transfer devices, thereby avoiding the loss of the user due to the transfer failure.

In addition, since the clearing time of the financial XML service transfer device 300 and the financial EDI service transfer device 200 is not the same, the cross-bank transfer backup multi-channel operating system of the present invention can be further after a predetermined time, for example, 3:15 every day. That is, 15 minutes before the financial XML exchange date, the financial XML business transfer device 300 is closed to avoid causing errors and more effectively improving the correctness of cross-bank transfer.

The present disclosure has been disclosed in the above embodiments, and is not intended to limit the disclosure. Any one of ordinary skill in the art can make various changes and refinements without departing from the spirit and scope of the disclosure. The scope of protection is subject to the definition of the scope of the patent application.

Claims (8)

 An inter-bank transfer backup multi-channel operation system, comprising: a financial EDI business transfer device; a financial XML service transfer device; a financial exchange service transfer device; and an interbank transfer transaction server connected to the financial EDI business transfer device, The financial XML service transfer device and the financial exchange service transfer device, when the inter-bank transfer transaction server receives the inter-bank payment instruction, according to the judgment principle, transmitting one of the transfer devices to perform the transfer service, or After one of the transfer devices fails to perform the transfer service, the other one of the transfer devices transmits the transfer service.    The cross-bank transfer backup multi-channel operation system of claim 1, wherein the inter-bank transfer transaction server comprises: a connection interface for connecting to the financial EDI service transfer device, the financial XML service transfer device, and the financial communication Exchange business transfer device.    The inter-bank transfer backup multi-channel operation system according to claim 2, further comprising: a financial information company transaction platform server, connected to the financial EDI business transfer device, the financial XML business transfer device, and the financial exchange service The transfer device, in order to return the receipt of the bank account information or cross-bank transfer transaction failure information.    The cross-bank transfer backup multi-channel operation system according to claim 3, wherein the inter-bank transfer transaction server comprises: a processor connected to the connection interface, and performing the judgment operation according to the judgment principle.    The cross-bank transfer backup multi-channel operation system of claim 3, wherein the inter-bank transfer transaction server comprises: a processor connected to the connection interface, and according to the judgment principle, transmitting an inter-bank payment instruction via the transfer device One performs the transfer business.    The cross-bank transfer backup multi-channel operation system according to claim 3, wherein the inter-bank transfer transaction server comprises: a processor connected to the connection interface, and according to the judgment principle, when the transfer is performed by one of the transfer devices After the service fails, the inter-bank payment instruction is transmitted to perform the transfer service via the other of the transfer devices.    The cross-bank transfer backup multi-channel operation system of claim 3, wherein the inter-bank transfer transaction server comprises: a processor connected to the connection interface, and returning the payment from the financial information company transaction platform server Bank account information or cross-bank transfer transaction failure information to the client.    The cross-bank transfer backup multi-channel operating system according to claim 7, further comprising an accounting processing transaction server connected to the financial information company trading platform server for transmitting the receiving bank accounting information or the inter-banking Transfer transaction failure information to the financial information company trading platform server.