網際網路時代發展迅速，企業用戶已經可以不用每天因為要支付貨款或臨時資金調度衝去銀行趕三點半，企業用戶可透過銀行端的「企業資金電子調撥系統」，於辦公室內即可執行即時收、付款轉帳，完成資金調撥，由於網際網路的不穩定性或銀行端系統異常，常造成付款行最後的確認訊息無法回應，需使用人工紙本的作業方式，與付款行確認該筆交易的狀態，容易發生處理不及過三點半的情形，無法即時入帳，造成客戶端交易受到影響。 本研究運用了區塊鏈訴求的「資料公開、透明且無法更動，所有人都能取得可以信任的帳本與交易紀錄及RSA非對稱性憑證鏈」的特性，運用在「企業資金電子調撥系統」實作與驗證，當付款行系統異常時，發生最後一道的確認付款訊息無法由系統直接回應時，改使用人工紙本傳真的作業方式，區塊鏈很適合應用在這類「未完成交易的人工處理作業」，可大幅度改善人工繁瑣又耗時的作業程序。 ;The internet has developed rapidly in recent years. Business users don′t have to rush to the bank every day because they have to pay a loan or a capital dispatch to drive 15:30, Enterprise users can through the bank-side「electronic allocation system for enterprise funds」, In the office can carry out real-time collection, payment transfer, to complete the allocation of funds, Due to internet instability or bank-side system anomalies, Often causing the final confirmation message of the payment line to be unresponsive, The working method of using manual paper, Confirm the status of the transaction with the payment bank, Prone to handling situations that are less than 15:30 cannot be recorded in real time. This study uses the "Data open, transparent and impossible to change, and everyone can get a trusted account and transaction record and the RSA asymmetric voucher chain" characteristics.Everyone can get a trusted account and transaction record. Used in the "Enterprise fund electronic allocation system" when the payment line system is abnormal, When the last confirmation payment message fails to be directly responsive by the system, To use manual paper Fax method of operation, Block chains are ideal for use in such "manual processing of Unfinished Business", can improve manual tedious and time-consuming operating procedures.
