Financial account capital management system and method

Abstract

The invention discloses a financial account capital management system and method. The system comprises account information management, capital real-time monitoring management, financial management, credit management, risk assessment management and payment management. The capital real-time monitoring management comprises an account capital database, a real-time monitoring module, an alarm module, a capital outflow module and a capital inflow module. The account capital database is connected with the alarm module through the real-time monitoring module; the alarm module is connected with the capital outflow module and the capital inflow module; and the real-time monitoring module comprises a bank monitoring system and a client monitoring system. The system is simple in structure and high in practicability; conventional financial transactions can be realized, and through real-time monitoring management of an account, safety of financial transactions is improved; and selected investment products are subjected to quota allocation according to credit rating, risk tolerance grade and risk tolerance period of a user, thereby reducing capital investment risk and improving risk management and control capability of the whole account.

Description

technical field [0001] The invention relates to a financial account fund management system and method. Background technique [0002] Account fund management is one of the very important and necessary links in the banking business process, and it plays a connecting role in the banking business process, and its importance is self-evident. However, at present, many banks are still insecure and inefficient in the business process of financial account fund management, and cannot achieve the desired effect. [0003] In order to manage financial institution accounts to prevent overdrafts, customers want to maximize the rate of return on their account balances. In this regard, customers would rather deposit their unutilized or excessive funds in high-interest accounts, but due to the management of accounts to ensure Maximizing yield is generally the direct opposite of managing the account to prevent overdrafts, so clients must spend more time on account management to strike the rig...

AI Technical Summary

Problems solved by technology

However, at present, many banks are still insecure and inefficient in the business process of financial account fund management, and cannot achieve the desired effect

[0003] In order to manage financial institution accounts to prevent overdrafts, customers want to maximize the rate of return on their account balances. In this regard, customers would rather deposit their unutilized or excessive funds in high-interest accoun

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