Batch business refers to the business of taking advantage of its own settlement convenience, relying on the business system, accepting the entrustment of the client, and handling the collection and payment of designated funds on its behalf. Batch business is divided into batch collection business, batch payment business and batch account opening business. Such as salary payment, batch card opening, unified deduction, mortgage repayment, interest recording and some internal bank business are batch processing businesses. There are many types of batch deduction services on the bank side: withholding and payment of utility bills, social security fees, pensions, tuition fees, housing provident funds, etc. You can go to the ICBC counter in person with your ID card and card to check the transaction details, and you can see the time, channel, purpose and account name and account number of the deducted business.

Batch business means that the data processed by the business is temporarily saved locally or on the local machine. When a certain amount is accumulated, the host is connected or the storage medium is brought to the location of the host, and the data is poured in at once. For processing, it is used for businesses that are inconvenient or cannot be processed online, due to insufficient communication conditions, insufficient security, etc. When some banks apply for credit cards, they may not process it online. Instead, the application is processed locally first, the application data is input and stored locally on a disk or optical disk, and then accumulated to a certain amount and then sent to the head office for one-time processing. This is a batch business.

There are also similar centralized collection and payment services and online services. Centralized collection and payment means that the collector and payer entrust the clearing organization to put forward collection and payment business instructions according to the contract, and they will Send them to the account opening bank of the collector and payer respectively for centralized batch collection and payment business. Online business means that the operator's terminal is directly connected to the host, and the generated business data is immediately (real-time) entered into the host's database. For example, depositors' deposits and withdrawals. If a company wants to pay a supplier on a fixed date each month, it can submit a batch payment file to the bank to process the files and complete the local currency payment. The local clearing system then groups the various payment instructions and sends these only to each beneficiary bank in a batch file containing all individual payment instructions. The total amount of all payment documents is added together and the banks clear each other at an agreed time. Liquidation is usually done on a net basis.