E-bank bill delivery method

A technology of online banking and bills, applied in the field of network delivery, can solve the problems of lagging bill usage methods, low efficiency, and inability to form a centralized bill market, etc.

Inactive Publication Date: 2006-07-19
重庆浩泽网络技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] As an important payment and settlement tool between banks and banks, between banks and enterprises, and between enterprises, bills play an extremely important role in economic activities; The central bank's monetary policy and promoting the process of interest rate marketization have played an important role; however, the infrastructure construction of the current bill market and the use of bills are relatively lagging behind, which has caused banks and enterprises to fail to fully play the role of bills in economic activities
[0003] At present, the issuance and acceptance of commercial drafts are in the form of physical bills, and individual-to-individual manual methods are used in its circulation, transfer, inquiry, and review. The operation is mainly through manual invoicing, that...

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0096] see figure 1 , figure 2 , image 3 , the present invention is a delivery method of network bank bills, which is characterized in that: it includes a user terminal, a central database, and an application server. For user data, the application server is directly connected to the central database, and a hardware firewall is set at the front end of the application server; the method is carried out in accordance with the following steps:

[0097] a. The account-opening user opens an account and registers in the system through the account-opening user, enters the identity information of the account-opening user, obtains a unique registration code, receives an identity verification card and card inspection equipment, and obtains the operation authority corresponding to the identity verification card;

[0098] b. The user logs in through the user terminal for identity authentication, enters the system after passing, and performs data processing through the application server...

Embodiment 2

[0120] When an enterprise needs to change the identity data of the enterprise after opening an account and registering according to the steps in Embodiment 1, the commercial bank to which the enterprise belongs must first carry out security authentication according to the identity authentication steps in Embodiment 1, and only then can the identity data of the enterprise be changed. Modify, the specific steps are:

[0121] (1) The enterprise submits an application for modifying the identity information to the commercial bank to which it belongs, and submits the modified information;

[0122] (2) The reviewer of the commercial bank holds the IC review card to log in to the system to perform modification operations, and after confirmation, the modified identity data of the enterprise will be stored in the central database through the network.

[0123] The above-mentioned steps are also adopted when the commercial bank modifies the identity information to the branch of the People...

Embodiment 3

[0125] When an enterprise opens an account and registers according to the steps of Embodiment 1, and needs to conduct an inquiry, the enterprise must first perform security authentication according to the identity authentication steps of Embodiment 1, and then the reviewer or inquirer of the enterprise holds an IC review card or an IC inquiry card Log in to the system, and go to the central database through the network to inquire about identity information, bills, bill payment, etc.

[0126] The above-mentioned steps are also adopted when commercial banks, branches of the People's Bank of China, and the People's Bank of China need to conduct inquiries.

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Abstract

The invention discloses a paying method of the network bank bill, which comprises an user end, a center database and an applied server, wherein the user end is connected with the center database and the applied server by network; the center database trusts all of the business bills and the system inner user data; the applied server is connected with the center database; it arranges a hardware fire wall on the front end of the applied server; the method comprises the following steps: a. the called user dose user register by the calling user; b. user dose identification quoting by user end register and then enters into the system; c. user dose the operation in the limits of authority and stores the bill element and the data during the paying course in the center database by the network.

Description

technical field [0001] The invention relates to a network delivery method, in particular to a delivery method of network bank bills. Background technique [0002] As an important payment and settlement tool between banks and banks, between banks and enterprises, and between enterprises, bills play an extremely important role in economic activities; The central bank's monetary policy has played an important role in promoting the process of interest rate marketization; however, the infrastructure construction of the current bill market and the use of bills are relatively lagging behind, which has caused banks and enterprises to fail to fully play the role of bills in economic activities. [0003] At present, the issuance and acceptance of commercial drafts are in the form of physical bills, and individual-to-individual manual methods are used in the links of circulation, transfer, inquiry, and review. The operation is mainly through manual invoicing, that is, manually writing ...

Claims

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Application Information

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IPC IPC(8): G06Q20/00G06Q40/00G06Q20/08G06Q40/02
Inventor 王勇袁熹吴睿
Owner 重庆浩泽网络技术有限公司
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