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Method for speeding up bill clearing between banks

A technology of exchange speed and bills, which is applied in the field of accelerating bill settlement and exchange between banks and bill settlement and exchange. It can solve the problems of accelerating bill settlement and exchange between banks, high operating costs, and large equipment investment. Links, fast effects

Inactive Publication Date: 2006-09-27
朱杰
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0009] The purpose of the present invention is to solve the problems of complex process, large equipment investment and high operating cost in the current inter-bank bill exchange process, and to invent a new inter-bank bill settlement exchange that combines modern network technology and traditional passbook printer technology. Methods

Method used

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  • Method for speeding up bill clearing between banks
  • Method for speeding up bill clearing between banks
  • Method for speeding up bill clearing between banks

Examples

Experimental program
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Effect test

Embodiment 1

[0033] Such as figure 2 , 3 shown.

[0034] An interbank check settlement and exchange method, comprising the following steps:

[0035] a. The regional branches of commercial banks pre-code the checks printed by professional printing factories with magnetic code printers, so that the checks include at least two magnetic codes of 8-digit serial number and exchange bank number. , and there is a complementary code printing area, which includes part or all of the customer account number, phone number, check code, and amount; for example image 3 shown.

[0036] b. Hand over the above-mentioned checks to various commercial bank outlets to sell to the drawer;

[0037] c. The drawer hands over the check to the bearer, and the bearer hands it over to the outlet of the payee's account opening bank;

[0038] d. The branch of the payee's account opening bank performs computer business registration on the above-mentioned checks according to the interface specification of the People'...

Embodiment 2

[0043] Such as image 3 , 4 shown.

[0044] A method for settlement and exchange of bills in the same city, comprising the following steps:

[0045] a. Each commercial outlet will pack the bills into bags and use a passbook printer to print information such as the type of bills, exchange line number and amount on the bags;

[0046] b. Carry out computer business registration of the above-mentioned bills according to the interface specification of the PBC Clearing Center and form an electronic data file to be aggregated to the People’s Bank of China Clearing Center through the information automatic transmission network, and at the same time submit the physical bills to the PBC Clearing Center;

[0047] c. The clearing center of the People's Bank of China uses the bill sorting machine to extract the bill information code with the magnetic reading head and the optical reading head, and automatically sorts the physical bills; during the automatic sorting, the image collection of t...

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Abstract

This invention relates to a method for speeding up bill clearing between banks. For the problems of complex process, large device investment and high running cost in prior art, it discloses a new bill exchange method combined modern network technique and traditional bankbook-printing technique to replace the original manual mode by information and automation means, simplify settlement process and leave out current printer.

Description

technical field [0001] The invention relates to a method for the structure of various bills among banks, in particular to a bill settlement and exchange method with the People's Bank of China as the settlement center, specifically a method for accelerating the speed of inter-bank bill settlement and exchange. Background technique [0002] Intra-city bill exchange refers to the exchange of business settlement vouchers collected by each other at designated places among banking institutions in the same city. It is a way to liquidate the resulting capital transactions. It is a bill exchange and fund transfer settlement method established to adapt to the large number of banking institutions in large and medium-sized cities and the frequent mutual fund exchanges. It is not only applicable to the clearing of funds between cross-system banks in the same city, but also to the transfer of funds within the same city system, and also includes the intra-city transfer of the conversion b...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G07G1/14G06Q40/00G06Q40/02
Inventor 朱杰
Owner 朱杰
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