Bank system, enterprise system and fund management system and method

Abstract

The invention discloses a bank system, an enterprise system and a fund management system and method, and relates to the field of finance. According to one specific embodiment, the fund management system comprises an enterprise system and a bank system, and the enterprise system is used for creating sporocarp information for sporocarp and sending the sporocarp information to the bank system; the bank system is used for creating a virtual account for the sporocarp under the entity account of the enterprise system after receiving the sporocarp information, and allocating a settlement account to the virtual account; and the bank system is also used for registering the transfer funds into the account information of the virtual account corresponding to the settlement account under the conditionof receiving the transfer funds from the user to the settlement account. According to the system, the virtual account is created for the sub-entity under the entity account of the enterprise system, and the settlement account is allocated to the virtual account, so that fund management integrating information flow, service flow and capital flow is realized, and the situations of mistaken settlement, incapability of remittance and the like are avoided.

Description

technical field [0001] The present invention relates to the financial field, in particular to a banking system, an enterprise system, a fund management system and a method. Background technique [0002] With the continuous development of bank information technology, many banks already have the ability to realize intelligent capital management and enterprise information management for customers. In order to manage the funds of political and legal customers (such as courts, public security, prisons, supervisory courts and other administrative institutions), in the prior art, the bank-enterprise direct connection channel is generally used. funds. Among them, the "one account for business" refers to the unified management of RMB deposits of different natures and terms, such as demand deposits, time deposits, notice deposits, and agreement deposits under the customer's name through a corporate RMB bank settlement account. [0003] In the course of realizing the present inventio...

AI Technical Summary

Problems solved by technology

[0004] (1) Use the existing corporate one-account account for fund management. Because the account numbers are similar, it is easy to make remittances by mistake, and the account number is long. Some external systems will regard it as an invalid account, resulting in failure to remit;

[0005] (2) Single means of fund management, lack of overall view of multi-level fund information, and inflexible interest settlement

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