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Data clearing method and device based on virtual account system

A virtual account and data technology, applied in payment architecture, data processing applications, instruments, etc., can solve problems such as inability to meet capital supervision requirements, inability to determine the amount of interest, unclear interest accounting, etc., to achieve real-time visibility , to achieve effective supervision and reduce waste

Pending Publication Date: 2020-12-22
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This risk will lead to two problems. First, if the incident at this stage is settled, the funds involved in the case need to be transferred to the special fund account in the next stage, and the interest generated by the funds at this stage needs to be transferred to the treasury account. The account is not clear, which makes it impossible to determine the amount of interest that needs to be transferred to the treasury for this event; second, it cannot meet the requirements of auditing and supervision for fund supervision in units of events
The event interest bookkeeping method adopted today is a bookkeeping method that manually calculates interest based on the amount of event funds, the time difference between deposit and withdrawal, and bank interest calculation rules; this method is relatively inefficient, and there are too many manual interventions, and the probability of calculation errors is high

Method used

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  • Data clearing method and device based on virtual account system
  • Data clearing method and device based on virtual account system
  • Data clearing method and device based on virtual account system

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Embodiment Construction

[0032] The implementation of the present invention will be described in detail below in conjunction with the accompanying drawings and examples, so as to fully understand and implement the process of how to apply technical means to solve technical problems and achieve technical effects in the present invention. It should be noted that, as long as there is no conflict, each embodiment and each feature of each embodiment in the present invention can be combined with each other, and the formed technical solutions are all within the protection scope of the present invention.

[0033] In addition, the steps shown in the flow diagrams of the figures may be performed in a computer system, such as a set of computer-executable instructions, and, although a logical order is shown in the flow diagrams, in some cases, the sequence may be different. The steps shown or described are performed in the order herein.

[0034] Please refer to Figure 1A As shown, the data clearing method based o...

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Abstract

The invention provides a data clearing method and device based on a virtual account system. The method comprises the steps of: obtaining the information of an entity account, and generating a main account through registration according to the information of the entity account; obtaining event occurrence states of a preset category according to a main account, and constructing virtual accounts associated with a main account according to one or more event occurrence states; acquiring associated information of corresponding events through the virtual accounts, and constructing an event clearing model according to the associated information; and obtaining account entry interest change data of the main account in a preset period, and obtaining interest data corresponding to each virtual accountaccording to the account entry interest change data and the event clearing model associated with the main account.

Description

technical field [0001] The invention relates to the field of financial data mining management, in particular to a data clearing method and device based on a virtual account system. Background technique [0002] The current development of the financial Internet has prompted the financial industry and the customers it serves to increase their demand for informatization construction. Through the promotion of financial technology, the bank's internal information and fund management services have been upgraded, and customers' own information management tends to be informatized. Through informatization construction, it has become a core tool for all parties to save personnel costs and manage costs. At the same time, human intervention can be effectively avoided through information processing, and the strength and effectiveness of capital supervision can be improved. For political and legal customers, because the account amount includes the amount deposited in multiple cases and e...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q20/10
CPCG06Q40/02G06Q20/102
Inventor 高进超戈笑珊白晨辰
Owner CHINA CONSTRUCTION BANK
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