CN107038580B - Bank transaction system - Google Patents
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Abstract
Translated fromChinese
Description
Translated fromChinese技术领域technical field
本发明涉及金融领域，尤其涉及一种银行交易系统。The invention relates to the financial field, in particular to a bank transaction system.
背景技术Background technique
如果您是中小企业主又或是企业合伙人，如果您是幸福的富裕家庭成员又或准备构筑美好未来的夫妻，当遇到经营资金或家庭财产需要共同管理的时候，您是否曾经为此而烦恼呢？目前，一些银行推出了联名帐户，以应对这些问题。If you are a small and medium-sized business owner or a business partner, if you are a happy wealthy family member or a husband and wife who is preparing to build a bright future, when you encounter business funds or family properties that need to be jointly managed, have you ever done so? Worrying about it? Currently, some banks have introduced joint accounts to deal with these problems.
联名账户是银行为了满足中小企业主、富裕家庭等客户共管资金的需要而推出的一项新业务，能为客户提供自由、透明、互惠、互利的资金共管服务。它是由2-5名(含)个人客户为实现经营资金、家庭财产等多人共管的需要，在银行开立并共有的个人定活期账户，从而实现共管存款的目的。Joint account is a new business launched by banks to meet the needs of small and medium-sized business owners, wealthy families and other customers to jointly manage funds. It can provide customers with free, transparent, reciprocal and mutually beneficial fund management services. It is a personal fixed current account opened and shared by 2-5 (inclusive) individual customers in the bank to realize the needs of co-management of operating funds and family property, so as to achieve the purpose of co-management of deposits.
联名帐户是如何实现资金共管的呢？在开立个人联名账户时，需通过签订相关协议，确定全体联名账户所有人对联名账户资金的拥有形式及占有份额，明确账户资金的共有方式--平均分配形式或设定比例形式。若账户资金的共有方式为设定比例形式，还须明确各联名账户所有人占有的份额。How does a joint account achieve co-management of funds? When opening an individual joint account, it is necessary to sign the relevant agreement to determine the ownership form and share of the funds in the joint account by all the joint account owners, and to clarify the common method of account funds - the form of equal distribution or the form of set proportion. If the account funds are shared in the form of a set proportion, the share occupied by the owners of each joint account must also be specified.
在办理联名账户支取业务时，不管是现金支取还是转账支取，联名帐户所有人均可以指定采取共同办理或授权办理的方式来支取：When handling the withdrawal business of joint account, whether it is cash withdrawal or transfer withdrawal, the owner of the joint account can designate the method of joint processing or authorization to withdraw:
1、共同办理方式：指联名账户所有人在办理联名账户支取业务时，须全体联名账户所有人到联名账户开户地区任一营业网点，凭各自业务操作卡及卡密码共同办理的一种方式，该方式为联名账户所有人办理支取时的默认方式。1. Joint handling method: It refers to a method in which all joint account owners must go to any business outlet in the joint account opening area to handle the joint account with their respective business operation cards and card passwords when handling the joint account withdrawal business. This method is the default method when the joint account owner handles withdrawals.
2、授权办理方式：指在开立联名账户时，经全体联名账户所有人授权，指定其中一名或几名联名账户所有人为被授权人，被授权人可凭本人业务操作卡及卡密码单独办理联名账户支取业务。若选择授权办理方式，仍可通过共同办理方式办理支取业务。2. Authorization processing method: When opening a joint account, upon the authorization of all joint account owners, one or several joint account owners are designated as the authorized person. The authorized person can use his business operation card and card password to independently. Handle joint account withdrawal business. If you choose the authorization processing method, you can still handle the withdrawal business through the joint processing method.
通常，联名账户所有人多采用共同办理的方式来对联名帐户进行管理。然而，由于采用共同办理的方式办理取款、转账等业务时，需在银行柜台办理，银行业务繁忙，办理业务需经过长时间的排队等待，给联名帐户持有人带来了诸多不便。Usually, the joint account owners usually manage the joint account by means of joint handling. However, when the withdrawal, transfer and other services are handled jointly, they need to be handled at the bank counter, the banking business is busy, and it takes a long time to wait in line to handle the business, which brings a lot of inconvenience to the joint account holder.
发明内容SUMMARY OF THE INVENTION
本发明的目的是提供一种银行交易系统及方法，通过该系统及方法便于银行和用户办理进行类似前面所述联名账业务，并且更方便和实用。The purpose of the present invention is to provide a bank transaction system and method, through which it is convenient for banks and users to handle the joint account business similar to the above, and is more convenient and practical.
为解决本发明的技术问题，本发明公开一种银行交易系统，包括信息获取装置、信息显示装置、密码验证装置、账户操作装置和中央处理装置，该信息获取装置用于获取用户银行账户信息、用户账户密码信息、用户对其账户操作信息；信息显示装置用于显示操作界面、用户的输入操作、系统提示信息、系统反馈信息；密码验证装置用于验证用户银行账户对应的输入密码是否正确；账户操作装置用于对银行账户进行查询、存款、取款和/或转账操作；中央处理装置协调前述各装置操作，前述各装置将操作信息反馈给中央处理装置，中央处理装置对反馈信息处理后指令相应装置进行操作，该系统还包括特殊用户银行账户，其对应的特定输入密码需要分N次输入，所述的N大于或等于2，所述信息获取装置获取N次输入密码，所述密码验证装置在验证N次输入的密码均正确时则此特殊用户银行账户的输入密码正确。In order to solve the technical problem of the present invention, the present invention discloses a bank transaction system, which includes an information acquisition device, an information display device, a password verification device, an account operation device and a central processing device, and the information acquisition device is used for acquiring user bank account information, User account password information and user's account operation information; the information display device is used to display the operation interface, the user's input operation, system prompt information, and system feedback information; the password verification device is used to verify whether the input password corresponding to the user's bank account is correct; The account operating device is used for inquiring, depositing, withdrawing and/or transferring bank accounts; the central processing device coordinates the operations of the aforementioned devices, the aforementioned devices feed back the operation information to the central processing device, and the central processing device processes the feedback information and instructs the The corresponding device operates, the system also includes a special user bank account, the corresponding specific input password needs to be input in N times, the N is greater than or equal to 2, the information acquisition device obtains the input password for N times, and the password is verified. When the device verifies that the passwords entered for N times are all correct, the input password of the special user's bank account is correct.
作为一个进一步的方案，所述的特殊用户银行账户对应N个普通用户银行账户信息，所述的N个普通用户银行账户与所述的N次输入密码中的N是相同的，每个普通用户银行账户与所述特殊用户银行账户相对应有一个关联密码，N个普通用户银行账户与所述特殊用户银行账户关联的密码共同组成此特殊用户银行账户的密码。As a further solution, the bank account of the special user corresponds to the bank account information of N ordinary users, and the bank accounts of the N ordinary users are the same as N in the N times of inputting the password. The bank account corresponds to the special user bank account with an associated password, and the passwords associated with the N ordinary user bank accounts and the special user bank account together form the password of the special user bank account.
作为一个进一步的方案，所述的N为2。As a further solution, the N is 2.
作为一个进一步的方案，所述信息获取装置获取的所述普通用户银行账户信息是在不同的输入终端设备上进行的，中央处理装置负责协调处理整体操作。As a further solution, the bank account information of the common user obtained by the information obtaining device is carried out on different input terminal devices, and the central processing device is responsible for coordinating and processing the overall operation.
作为一个进一步的方案，所述信息获取装置获取的所述普通用户银行账户信息是在同一台柜员机上进行的，每个普通用户银行账户信息存储在一张银行卡上，在同一台柜员机内先后放入N张银行卡或同时放入N张银行卡。As a further solution, the bank account information of the common user obtained by the information obtaining device is carried out on the same ATM, and the bank account information of each common user is stored on a bank card, and is successively stored in the same ATM. Insert N bank cards or N bank cards at the same time.
作为一个进一步的方案，所述特殊用户银行账户是由一个普通用户银行账户通过信息获取装置输入信息通过银行交易系统向一方或多方普通用户银行账户发送邀约信息，然后由被邀约方的普通用户银行账户在信息获取装置输入同意信息后共同创建起来的。As a further solution, the special user bank account is an ordinary user bank account that sends the invitation information to one or more ordinary user bank accounts by inputting information through the information acquisition device through the bank transaction system, and then the invitation information is sent by the ordinary user bank of the invited party. The account is jointly created after the consent information is input by the information acquisition device.
作为一个进一步的方案，所述的普通用户银行账户在建立所述特殊用户银行账户后仍然具有原来普通用户银行账户所具有的功能。As a further solution, the ordinary user bank account still has the functions of the original ordinary user bank account after the special user bank account is established.
作为一个进一步的方案，所述特殊用户银行账户在建了时各个建立的普通用户银行账户之间已经由银行交易系统通过所述信息获取装置获取的信息建立了一定规则，明确在特定条件下如何由系统对此特殊用户银行账户上的钱通过账户操作装置进行划分。As a further solution, when the special user bank account is established, certain rules have been established between the ordinary user bank accounts established by the bank transaction system through the information obtained by the information obtaining device, specifying how to The money in the bank account of this particular user is divided by the system through the account operating device.
作为一个进一步的方案，所述的特殊用户银行账户可以由创建者中任一普通用户银行账户发送解散邀约，当信息获取装置获取到全体创建者中的全部普通用户银行账户都同意解散，则所述中央处理装置发送指令将此特殊用户银行账户销户。As a further solution, the special user bank account can be dissolved by sending a dissolution invitation from any ordinary user bank account in the creator. When the information acquisition device obtains that all ordinary user bank accounts in all creators agree to be dissolved, then all The central processing device sends an instruction to cancel the special user's bank account.
作为一个进一步的方案，所述中央处理装置根据系统设定的条件指令账户操作装置从普通用户银行账户转款到特殊用户银行账户。As a further solution, the central processing device instructs the account operating device to transfer money from the bank account of the ordinary user to the bank account of the special user according to the conditions set by the system.
与现有技术相比，一般一个账户只有一个用户信息和一个密码，而本发明的特殊用户银行账户可以有普通用户银行账户，且每个普通用户银行账户对应自独立密码，这样可以实现两个或两个以上普通用户银行账户对同一账户联合管理和对该账号进行操作，并且不用排队去银行柜台办理类似联名账户的业务，并且通过建立不同规则可以在没有支付宝的情况下实现类似的商品交易行为。Compared with the prior art, generally an account has only one user information and one password, while the special user bank account of the present invention may have a common user bank account, and each common user bank account corresponds to an independent password, so that two bank accounts can be realized. Or two or more ordinary user bank accounts jointly manage and operate the same account, and do not have to queue up to go to the bank counter to handle the business of similar joint accounts, and through the establishment of different rules, similar commodity transactions can be realized without Alipay Behavior.
附图说明Description of drawings
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。In order to explain the embodiments of the present invention or the technical solutions in the prior art more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention, and for those of ordinary skill in the art, other drawings can also be obtained from these drawings without any creative effort.
图1是本发明银行交易系统的示意图。FIG. 1 is a schematic diagram of the bank transaction system of the present invention.
图2是本发明简要账户对应关系示意图。FIG. 2 is a schematic diagram of a brief account corresponding relationship of the present invention.
具体实施方式Detailed ways
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.
请参阅图1，本发明的一种银行交易系统，包括201信息获取装置、202信息显示装置、204密码验证装置、203账户操作装置和205中央处理装置，该201信息获取装置用于获取用户银行账户信息、用户账户密码信息、用户对其账户操作信息；202信息显示装置用于显示操作界面、用户的输入操作、系统提示信息、系统反馈信息；204密码验证装置用于验证用户银行账户对应的输入密码是否正确；203账户操作装置用于对银行账户进行查询、存款、取款和/或转账操作；205中央处理装置协调前述各装置操作，前述各装置将操作信息反馈给205中央处理装置，205中央处理装置对反馈信息处理后指令相应装置进行操作，该系统还包括301特殊用户银行账户，其对应的特定输入密码需要分3次输入，所述201信息获取装置获取3次输入密码，所述204密码验证装置在验证3次输入的密码均正确时则此301特殊用户银行账户的输入密码正确，具体对应关系可以参照图2，有三个302普通用户银行账户对应于一个301特殊用户银行账户。其中，所述信息获取装置获取的所述普通用户银行账户信息可以是在3个不同的输入终端设备上进行的，205中央处理装置负责协调处理整体操作，例如在互联网时代，可以处于不同的城市甚至国家来实现这个操作。每个普通用户银行账户与所述特殊用户银行账户相对应有一个关联密码，3个302普通用户银行账户与所述301特殊用户银行账户关联的密码共同组成此特殊用户银行账户的密码。Please refer to FIG. 1 , a banking transaction system of the present invention includes 201 an information acquisition device, 202 an information display device, 204 a password verification device, 203 an account operation device, and 205 a central processing device, the 201 information acquisition device is used to obtain the user bank Account information, user account password information, and user's account operation information; 202 the information display device is used to display the operation interface, the user's input operation, system prompt information, and system feedback information; 204 the password verification device is used to verify the corresponding bank account of the user. Whether the input password is correct; 203 the account operation device is used to conduct inquiry, deposit, withdrawal and/or transfer operations on the bank account; 205 the central processing device coordinates the operations of the aforementioned devices, and the aforementioned devices feed back the operation information to 205 the central processing device, 205 The central processing device instructs the corresponding device to operate after processing the feedback information, the system also includes 301 special user bank account, the corresponding specific input password needs to be input in three times, the 201 information acquisition device obtains the input password three times, the said 204 When the password verification device verifies that the passwords entered three times are all correct, the input password of the 301 special user bank account is correct, and the specific corresponding relationship can refer to FIG. 2, there are three 302 ordinary user bank accounts corresponding to one 301 special user bank account. Wherein, the bank account information of the ordinary user obtained by the information obtaining device may be carried out on 3 different input terminal devices, and the 205 central processing device is responsible for coordinating and processing the overall operation, for example, in the Internet era, it may be located in different cities Even the state to achieve this operation. Each ordinary user bank account has an associated password corresponding to the special user bank account, and the passwords associated with the three 302 ordinary user bank accounts and the 301 special user bank account together constitute the password of the special user bank account.
当然，上面例子中的银行交易系统的三个普通用户银行账户也可以是在同一个终端上实现上面操作，例如普通用户银行账户信息是在同一台柜员机上进行的，每个普通用户银行账户信息存储在一张银行卡上，其中关联在一张银行卡上也可以理解为此处的存储，在同一台柜员机内先后放入3张银行卡或同时放入3张银行卡。可以是放入一张卡，输入相应密码，然后吐出该卡，然后放入下一张银行卡，输入相应密码，吐卡，再放入第三张银行卡，然后再输入相应密码。也可以是三张银行卡都放入柜员机之后输入相应密码，或每放一张输入一次密码，最后三张卡一起吐出。Of course, the three ordinary user bank accounts of the bank transaction system in the above example can also be operated on the same terminal. For example, the bank account information of ordinary users is carried out on the same ATM. Stored on a bank card, which is associated with a bank card can also be understood as storage here, and put three bank cards in the same ATM successively or at the same time. It can be put in a card, enter the corresponding password, then spit out the card, then put in the next bank card, enter the corresponding password, spit the card, put in the third bank card, and then enter the corresponding password. It can also be that all three bank cards are put into the ATM and the corresponding password is entered, or the password is entered once for each card, and the last three cards are spit out together.
在网络时代，特殊用户银行账户可以是由一个普通用户银行账户通过信息获取装置输入信息通过银行交易系统向一方或多方普通用户银行账户发送邀约信息，例如特别是老婆邀约老公，将老公工资卡建立这个特殊用户银行账户，然后由被邀约方的普通用户银行账户在信息获取装置输入同意信息后共同创建起来的。这种邀约可以是临时的一种支付款项但又怕对方违约，建立一个类似第三方临时监管账户，交易顺利进行之后则此特殊用户银行账户注销。例如应用场景是想买一批货，货值在5万元左右，不是在阿里巴巴这样的平台上购买的，则卖方为了保障自己的利益可以邀约建立这么一个特殊用户银行账户，买方将款项转到此账户，买方收到货后可以确认注销此账户，相应款项转给卖家账户。具体可以在实际操作中约定不同规则，实现不同的目的。比较好的方式为普通用户银行账户在建立所述特殊用户银行账户后仍然具有原来普通用户银行账户所具有的功能。In the Internet age, a special user bank account can be an ordinary user's bank account through the information acquisition device to input information through the bank transaction system to send invitation information to one or more ordinary user bank accounts, for example, especially if the wife invites the husband, and the husband's salary card is established. This special user bank account is then jointly created by the invitee's general user bank account after inputting the consent information in the information acquisition device. This kind of invitation can be a temporary payment, but in the fear of the other party's breach of contract, a similar third-party temporary supervision account is established. After the transaction goes smoothly, the special user's bank account is cancelled. For example, the application scenario is to buy a batch of goods with a value of about 50,000 yuan. It is not purchased on a platform such as Alibaba. In order to protect its own interests, the seller can invite the establishment of such a special user bank account, and the buyer will transfer the money to To this account, the buyer can confirm the cancellation of this account after receiving the goods, and the corresponding money will be transferred to the seller's account. Specifically, different rules can be agreed in actual operation to achieve different purposes. A better way is that the ordinary user bank account still has the functions of the original ordinary user bank account after the special user bank account is established.
本发明所称的特殊用户银行账户是与现有的普通用户银行账户相对而言的，主要是功能上与现有普通用户银行账户相比不同，功能比较特殊，其对应的密码被称为特定输入密码。特殊用户银行账户可以呈现给用户的帐号格式、长度与现有的普通银行账户基本相同，没有明显区别，也可以转入和转出款项，当然特殊用户银行账户也可以长度、帐号格式与普通银行账户完全不同，具体帐号的格式、存储格式并不是本发明的技术要点。在整个系统中特殊用户银行账户的特定输入密码是分N次输入的，本发明的权利要求中没有限定特定输入密码的N次输入具体顺序，在实际应用中N次输入的密码可以有顺序，也可以没有顺序。例如特定输入密码是分3次输入，没有顺序要求时，其中一次的密码是123456，一次的密码是345678，一次的密码是567890，顺次输入567890，123456，34567，验证密码输入正确；顺次输入34567，567890，123456，验证密码也是输入正确；顺次输入123456，567890，123456，验证密码输入错误。再例如特定输入密码是分3次输入，有顺序要求时，其中第一次的密码是123456，第二次的密码是345678，第三次的密码是567890，顺次输入123456，34567，567890，验证密码输入正确；顺次输入34567，567890，123456，验证密码是输入错误。The special user bank account referred to in the present invention is relative to the existing ordinary user bank account, mainly because the function is different from the existing ordinary user bank account, and the function is relatively special. enter password. The account format and length of the special user bank account that can be presented to the user are basically the same as those of the existing ordinary bank account, and there is no obvious difference. Money can also be transferred in and out. Of course, the special user bank account can also have the same length and account format as the ordinary bank The accounts are completely different, and the format and storage format of the specific account are not the technical points of the present invention. In the whole system, the specific input password of the special user's bank account is input in N times. The claims of the present invention do not limit the specific order of the N input of the specific input password. In practical applications, the N times of input passwords can be in order. There can also be no order. For example, a specific input password is input in 3 times. When there is no sequence requirement, the password for one time is 123456, the password for one time is 345678, and the password for one time is 567890. Enter 567890, 123456, 34567 in sequence, and verify that the password is entered correctly; Enter 34567, 567890, 123456, and the verification password is also entered correctly; enter 123456, 567890, 123456 in sequence, and the verification password is incorrectly entered. For another example, the specific input password is input in 3 times. When there is a sequence requirement, the first password is 123456, the second password is 345678, and the third password is 567890. Enter 123456, 34567, 567890 in sequence, Verify that the password is entered correctly; enter 34567, 567890, 123456 in sequence, and verify that the password is incorrectly entered.
尽管结合优选实施方案具体展示和介绍了本发明，但所属领域的技术人员应该明白，在不脱离所附权利要求书所限定的本发明的精神和范围内，在形式上和细节上可以对本发明做出各种变化，均为本发明的保护范围。Although the present invention has been particularly shown and described in connection with preferred embodiments, it will be understood by those skilled in the art that changes in form and detail may be made to the present invention without departing from the spirit and scope of the invention as defined by the appended claims. Various changes are made within the protection scope of the present invention.
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