Bank unimportant blank certificate management method and system

Abstract

The invention discloses a bank non-important blank voucher management method and system, which converts original partial important blank vouchers into non-important blank voucher management, and reduces the time required by network inventory voucher checking every day. The entity voucher supports the virtual voucher, and the system automatically judges and generates a virtual voucher number; on the basis, multi-channel and multi-scene voucher association is supported, a client is supported to carry out secondary business transaction according to voucher information, and the security of bank voucher management and the convenience of client voucher transaction are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of computer systems, and particularly to a method and system for managing non-essential blank vouchers in banks. Background Art

[0002] Currently, important blank vouchers in commercial banks are used as media to establish an entity connection by associating customers with their accounts. For the storage, management, issuance, recovery, and status change of general important blank vouchers, they are centered around the voucher devices within the bank. However, for other non-essential blank vouchers, such as vouchers of other banks, internal transaction vouchers, virtual vouchers, etc., the current bank branches are unable to view and trace the status changes of each voucher.

[0003] In the prior art, the methods for managing financial blank vouchers are as follows: either manage them throughout the whole process as important blank vouchers, or not manage them as general vouchers. However, managing them as important blank vouchers throughout the whole process will greatly increase the management cost; while not managing them as general vouchers will make it impossible to track the voucher status.

[0004] Therefore, it is necessary to provide a method or system for managing non-essential blank vouchers in banks to improve the security of bank voucher management and at the same time improve the convenience of customer voucher transactions. Summary of the Invention

[0005] In view of the above-mentioned problems in the prior art, the present invention proposes a method and system for managing non-essential blank vouchers in banks to improve the security of bank voucher management and the convenience of customer voucher transactions.

[0006] To achieve the above object, the technical solution of the present invention is as follows:

[0007] On the one hand, the present invention provides a method for managing non-essential blank vouchers in banks, including the following steps:

[0008] S101: Obtain a voucher processing request;

[0009] S102: Process the non-essential blank voucher information according to the type of the processing request; the non-essential blank voucher information includes voucher type, voucher prefix, voucher number, voucher suffix, voucher image, associated customer number, associated account, and associated transaction number;

[0010] S103: Perform associated business operations in combination with the non-essential blank voucher information; the associated business includes fund withdrawal, fund deposit, information change, and business reservation;

[0011] S104: Update and store the non-essential blank voucher information after the business is completed.

[0012] Further, the process of processing non-important blank voucher information in step S102 includes the following steps:

[0013] S301: Obtain information vouchers;

[0014] S302: Verify voucher information. The verification items include whether the voucher exists, whether the voucher status is correct, whether the voucher is within the validity period, and whether the voucher holder is the current customer;

[0015] S303: If the verification fails, give a prompt message and end the process;

[0016] S304: If the verification passes, obtain service execution information according to the voucher information. The service execution information includes service types, service execution nodes, and pre-filled service information;

[0017] S305: Continue to execute the service according to the customer operation. The services include transfer and information maintenance; if the execution is completed, enter step S306; if the execution is not completed, enter step S307;

[0018] S306: Update voucher information and end the process;

[0019] S307: Give corresponding prompts and return to step S305 to re-operate until the service is completed.

[0020] Further, the process of performing associated service operations by combining non-important blank voucher information in step S103 includes the following steps:

[0021] S401: The customer performs relevant services. The relevant services are online services or offline services;

[0022] S402: Determine whether it is a virtual voucher. If it is determined to be a virtual voucher, enter step S403; if it is a physical voucher, enter step S404;

[0023] S403: Generate a virtual voucher number and enter step S405. The virtual voucher number is generated according to the rules corresponding to the voucher type;

[0024] S404: Obtain physical voucher information. The physical voucher information is allocated by the system according to the default rules or manually input by business personnel or customers;

[0025] S405: Store voucher information and service information.

[0026] On the other hand, the present invention also provides a bank non-important blank voucher management system, including the following modules for implementing the method described in any one of the above:

[0027] A voucher identification module for obtaining information vouchers;

[0028] The voucher association service processing module is used to process the information of unimportant blank vouchers and perform association service operations in combination with the information of unimportant blank vouchers;

[0029] The voucher information storage module is used to store voucher information and service information.

[0030] Furthermore, the voucher recognition module adopts a barcode scanning device.

[0031] Compared with the prior art, the beneficial effects of the present invention are as follows:

[0032] The bank unimportant blank voucher management method and system proposed by the present invention convert some of the original important blank vouchers into unimportant blank voucher management, simplify the management process of some unimportant blank financial vouchers, reduce the time required for daily inventory checking of vouchers at outlets, and relieve the operation pressure of outlets; and the virtual vouchers are supported by physical vouchers, the virtual voucher numbers are automatically judged and generated by the system, and on this basis, multi-channel and multi-scenario associated vouchers are supported. Customers can directly associate vouchers with specific transactions, support customers to conduct secondary business handling according to voucher information, speed up the handling efficiency of business personnel and customers, and improve the customer experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings required to be used in the embodiments. Obviously, the drawings described below are only some embodiments recorded in the present invention, and those of ordinary skill in the art can also obtain other drawings based on these drawings.

[0034] Figure 1 It is a flowchart of the bank unimportant blank voucher management method provided by the embodiment of the present invention;

[0035] Figure 2 It is a schematic diagram of the functional modules of the bank unimportant blank voucher management system provided by the embodiment of the present invention.

[0036] Figure 3 It is a flowchart of the unimportant voucher processing method provided by the embodiment of the present invention.

[0037] Figure 4 It is a flowchart of the method for associating unimportant vouchers with actual services provided by the embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0038] In order to better understand the technical solution, the method of the present invention will be described in detail below with reference to the drawings.

[0039] A bank unimportant blank voucher management method provided by the present invention, as Figure 1As shown, it includes the following steps:

[0040] S101: Obtain a voucher processing request;

[0041] S102: Process the non-important blank voucher information according to the type of processing request; the non-important blank voucher information includes voucher type, voucher prefix, voucher number, voucher suffix, voucher image, associated customer number, associated account, and associated transaction number;

[0042] S103: Perform associated business operations in combination with the non-important blank voucher information; the associated businesses include fund withdrawal, fund deposit, information change, and business reservation;

[0043] S104: Update and store the non-important blank voucher information after the business is completed.

[0044] On the other hand, the present invention also provides a bank non-important blank voucher management system, as Figure 2 shown, including the following modules for implementing the above method:

[0045] Voucher recognition module S201, used to obtain information vouchers; the voucher recognition module can be a barcode scanning device or support manual input, preferably a barcode scanning device. The voucher information includes voucher type, voucher prefix, voucher number, voucher suffix, voucher image, associated customer number, associated account, associated transaction number, etc.

[0046] Voucher associated business processing module S202, used to process the non-important blank voucher information and perform associated business operations in combination with the non-important blank voucher information; the associated businesses can be fund withdrawal, deposit, information change, and business reservation.

[0047] Voucher information storage module S203, used to store voucher information and business information.

[0048] Specifically, the process of processing the non-important blank voucher information in the above method step S102, as Figure 3 shown, includes the following steps:

[0049] S301: Obtain information vouchers; the obtaining method can be system automatic input or customer manual input.

[0050] S302: Verify the voucher information; the system verifies the obtained voucher information, and the verification items include whether the voucher exists, whether the voucher status is correct, whether the voucher is within the validity period, and whether the voucher holder is the current customer;

[0051] S303: If the verification fails, give a prompt message and end the process; for the scenario where the verification fails, give a prompt message in combination with the specific reason, such as this voucher has expired, please contact the on-site business personnel for handling.

[0052] S304: If the verification passes, obtain the business execution information according to the voucher information. The business execution information includes the type of business (for example, appointment for account opening, transfer, information maintenance, etc.), the business execution node (for example, authorization by an authorizer is required), and the business information filled in advance (for example, customer ID information, etc.);

[0053] S305: Continue to execute the business according to the customer's operation. The business includes transfer and information maintenance; if the execution is completed, enter step S306; if the execution is not completed, enter step S307;

[0054] S306: Update the voucher information and end the process; after the business is successful, update the status of the voucher used by the customer and mark it as completed. In addition, the business transaction will also be recorded.

[0055] S307: Give the corresponding prompt and return to step S305 to operate again until the business is completed.

[0056] This processing process can be applied to the scenario of tracking the usage of vouchers and conducting business processing according to the voucher status. This method can be applied to the bank's non-important blank voucher management system and is executed by the voucher-related business processing module S202. This module can be implemented in the form of hardware and / or software.

[0057] Furthermore, in the process of performing related business operations by combining non-important blank voucher information in step S103 of the above method, as Figure 4 shown, it includes the following steps:

[0058] S401: The customer conducts relevant business; the relevant business is an online business or an offline business;

[0059] S402: Determine whether it is a virtual voucher; it can be determined whether it is a virtual voucher according to the channel and type of the corresponding business. For example, the account opening transaction can be a virtual card. If it is determined to be a virtual voucher, enter step S403; if it is a physical voucher, enter step S404.

[0060] S403: Generate a virtual voucher number and enter step S405; the virtual voucher number is generated by the system according to the rules corresponding to the voucher type.

[0061] S404: Obtain the physical voucher information; the physical voucher information is allocated by the system according to the default rules or manually input by the business personnel or the customer.

[0062] S405: Store credential information and business information.

[0063] The above-mentioned process of associating business operations can be applied to the associated processing of voucher usage. This method can be applied to the bank's non-important blank voucher management system and is executed by the voucher associated business processing module S202, which can be implemented in the form of hardware and / or software.

[0064] In summary, the present invention proposes a method and system for managing non-important blank bank vouchers, which simplifies the management process of some non-important blank financial vouchers, so that bank branches can reduce the daily inventory of vouchers and reduce the pressure on branch operations. At the same time, customers can directly associate vouchers with specific transactions, simplify the business execution process, speed up the efficiency of business personnel and customers, and improve customer experience.

[0065] The above description is only a preferred embodiment of the present invention and is not intended to limit the protection scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention are included in the protection scope of the present invention.

Claims

1. A method for managing non-important blank bank vouchers, characterized in that: The following steps are involved: S101: Obtain a credential processing request; S102: Processing the non-important blank voucher information according to the processing request type; the non-important blank voucher information includes voucher type, voucher prefix, voucher number, voucher suffix, voucher image, associated customer number, associated account, and associated transaction number; S103: performing associated business operations in combination with non-important blank voucher information; the associated business operations include fund withdrawal, fund deposit, information change and business reservation; S104: After the business is completed, the non-important blank voucher information is updated and stored.

2. A bank non-important blank voucher management method according to claim 1, characterized in that: The process of processing the non-important blank voucher information in step S102 includes the following steps: S301: Obtain information credentials; S302: Verify the voucher information, including whether the voucher exists, whether the voucher status is correct, whether the voucher is within the validity period, and whether the voucher holder is the current customer; S303: If the verification fails, a prompt message is given and the process ends; S304: If the verification is successful, obtain the business execution information according to the credential information, the business execution information includes the business type, business execution node, and pre-filled business information; S305: Continue to execute the business according to the customer operation, including transfer and information maintenance; if the execution is completed, go to step S306; if the execution is not completed, go to step S307; S306: Update the credential information and end the process; S307: Give a corresponding prompt and return to step S305 to repeat the operation until the business is completed.

3. A bank non-important blank voucher management method according to claim 1, characterized in that: The process of performing the associated business operation in combination with the non-important blank voucher information in step S103 includes the following steps: S401: The customer conducts related business, where the related business is online business or offline business; S402: Determine whether it is a virtual credential. If it is a virtual credential, proceed to step S403; if it is a physical credential, proceed to step S404; S403: Generate a virtual voucher number, and proceed to step S405, where the virtual voucher number is generated according to the rules corresponding to the voucher type; S404: Acquire entity credential information, which is allocated by the system according to default rules or manually input by business personnel or customers; S405: Store credential information and business information.

4. A bank non-important blank voucher management system, characterized in that: The method comprises the following modules for implementing the method according to any one of claims 1 to 3: A credential identification module, used to obtain information credentials; The voucher association business processing module is used to process non-important blank voucher information and perform associated business operations in combination with the non-important blank voucher information; The credential information storage module is used to store credential information and business information.

5. A bank non-important blank voucher management system according to claim 4, characterized in that: The credential identification module adopts a code scanning device.

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