Trading method and system capable of processing real money and bankroll in step

Abstract

The invention provides a trade method and a trade system for processing cashes and funds in steps. The trade method comprises the following steps: (1) goods flow or fund flow is converted into information flow; cashes are preset and pre-drawn, and trade vouchers are acquired; (2) the information flow is converted into goods flow or fund flow, and the trade vouchers are converted into cash or account trade information. The trade system comprises an automatic cash collection and payment device used for achieving inter-conversion of cash flow and information flow; an information medium used for converting cash flow or fund flow into information flow; an operation system used for achieving inter-conversion of fund flow and information flow. The inter-conversion between cash flow and fund flow is achieved by transferring information flow between the automatic cash collection and payment device and the operation system through the information medium. In the method and the system, cash operation and book-keeping operation during traditional cash processing are separated by the application of the information medium so that cashes are processed more flexibly and efficiently. In addition, the cash processing safety is improved.

Description

technical field [0001] The invention relates to a transaction method and system, in particular to a transaction method and system for processing cash and funds step by step. Background technique [0002] With the development of the society and the financial industry, the transaction volume of cash flow and capital flow is increasing day by day, and various emerging transaction channels in the banking industry at home and abroad, such as telephone banking, online banking, ATM, mobile banking, etc., are also booming. However, in the various transaction channels of banks, traditional physical branch outlets still play a key role. The research of Datamonitor, an internationally renowned consulting organization, shows that physical branch outlets are still the most important channel for banks, and channel construction is the core of bank retail business. Therefore, when emerging channels develop to a certain extent, the transformation of traditional physical branch outlets has gr...

AI Technical Summary

Problems solved by technology

[0003] The rapid increase in the number of bank branches and the rapid development of banking business, although the transaction volume of customers in various regions has been properly distributed, but because the traditional cash or capital transactions are still mainly completed by the face-to-face service between the operator of the business system and the customer, the transaction And review operations take a long time, which also caused problems such as serious queuing at outlets and increased pressure on operators of business systems to handle cash business

At the same time, artificially counting transaction cash also increases the risk of miscounting banknotes, receiving and paying counterfeit banknotes, and entering wrong transaction information

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