The invention discloses a cashing method, cashing
system and transferring and depositing
system of a check. The transferring and depositing
system comprises the cashing system, a financial settlement system and a
bank internal system, and the cashing system, the financial settlement system and the
bank internal system are in communicating connection in sequence. The cashing system comprises a cashing terminal and a background
server. The cashing method comprises the following steps that a check buying request is received, and a first two-dimension code is generated according to
payment information and is printed on a specific area of the check; the check is filled in with collection information; when a check cashing request is received, the check is scanned to recognize the first two-dimension code and the collection information, and the first two-dimension code is decoded to obtain the
payment information; a
payment request is sent to the financial settlement system so that the debit business can be completed through the financial settlement system and a payment
bank system and the credit business can be completed through a collection bank system. The links of cashing and the like are completed by recognizing information loaded in the first two-dimension code, real-time
verification, real-time cashing and real-time accounting of the check are achieved, the limit of the opening hours of financing institutions is avoided, and the check business is carried out at any time and any where.