Background automatic clearing system for fund sales managers

Abstract

The invention relates to a background automatic clearing system for fund sales managers, which comprises a front-end system, a back-end system, a data exchange network access terminal, a fund clearingterminal, an operating platform, an auditing system and a database, wherein the database is connected with the front-end system, the back-end system, the data exchange network access terminal, the fund clearing terminal, the operating platform and the auditing system and performs data transmission. The advantages lie in that the system is safe and stable, high in reliability and good in expansibility; the system satisfies the functions of online verification and direct account opening and supports various bank cards to carry out transactions; the components of the system are separated, and the maintenance difficulty is low; the fund utilization efficiency is improved; CSDC (China Securities Depository and Clearing) TAs (Transfer Agents) and self-built TAs are supported; the system has a powerful configuration expansion function; the system has powerful standard interface support; and the system has complete security protection measures.

Description

technical field [0001] The invention relates to the technical field of the Internet, in particular to a background automatic liquidation system for fund sales managers. Background technique [0002] Judging from the current trading methods of open-end funds, whether it is the bank agency method or the direct sales method, the most difficult problem to solve is the transfer of funds, which brings a lot of inconvenience to investors' application and transaction operations. This inconvenience is mainly manifested in The following aspects: [0003] 1. Investors must go to several banks designated by the fund company to apply for bank cards, and they can only handle consignment business at the bank, which has large business limitations; [0004] 2. The fund company needs to go to the relevant bank to confirm the legitimacy of the investor's bank card, which is heavy workload and inefficient; [0005] 3. Investors need to transfer funds to the designated bank card before applyin...

AI Technical Summary

Problems solved by technology

[0003] 1. Investors must go to several banks designated by the fund company to apply for bank cards, and they can only handle consignment business at the bank, which has large business limitations;

[0004] 2. The fund company needs to go to the relevant bank to confirm the legitimacy of the investor's bank card, which is heavy workload and inefficient;

[0005] 3. Investors need to transfer funds to the designated bank card before applying for purchase. Currently, the commonly used cash transfer operation is cumbersome and has certain risks;

[0006] 4. As far as the current purchase and redemption operation process is concerned, it often takes 2-5 days for investors' funds to be in place, which reduces the efficiency of the use of funds

However, this clearing system can only be used in a single service scenario, and it needs to be used in a designated place. It cannot be applied to funds with multiple sales front-ends, and cannot automatically or manually review funds, and the encryption method is single. , the security cannot be guaranteed

[0008] Therefore, there is an urgent need for a clearing system that can solve the above problems, and there is no report about this clearing system at present

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