Cashing method, cashing system and transferring and depositing system of check

Abstract

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.

Description

technical field [0001] The invention relates to the field of check clearing, more specifically, to a check payment method, payment system and loading system. Background technique [0002] Before the development of financial electronics, because the transportation of cash was not safe and convenient, checks were developed as a means of payment, which is easy to carry and relatively safe. After the development of financial electronics, the means of payment have become more and more diversified, and the method of clearing funds through checks is too cumbersome. Enterprises need to buy checks from the bank counter first, and there are many cumbersome rules and regulations when issuing checks. There is also a lot of inconvenience in handling the check cashing business at the counter for the people who want to cash the check. It can be seen that the inconvenience of using the check is a main reason for restricting the use of the check. However, checks have their natural advantage...

AI Technical Summary

Problems solved by technology

After the development of financial electronics, the means of payment have become more and more diversified, and the method of clearing funds through checks is too cumbersome. Enterprises need to buy checks from the bank counter first, and there are many cumbersome rules and regulations when issuing checks. For people who want to cash checks, there are many inconveniences in handling check cashing business at the counter. It can be seen that the inconvenience of using checks is one of the main reasons for restricting the use of checks.

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