Interbank account information management method, device, equipment and storage medium

Abstract

This article belongs to the field of financial technology, and specifically relates to a method, device, equipment and storage medium for interbank account information management, which is applied to an interbank account management platform. The method includes: determining at least one second bank associated with a first bank, wherein the first bank and the second bank have an interbank business relationship; obtaining an interbank deposit account for the first bank opened in the second bank; opening a NOSTRO account corresponding to the interbank deposit account; when there is an interbank account change in the first bank, preliminarily updating the NOSTRO account and obtaining billing information sent by the second bank; further updating the NOSTRO account based on the billing information and the interbank deposit account. This article realizes the management of interbank accounts of different second banks by adopting NOSTRO accounts, thereby improving the efficiency of interbank deposit account management.

Description

Technical Field

[0001] This article belongs to the field of financial technology, and specifically relates to a method, device, equipment and storage medium for interbank account information management. Background Art

[0002] Different business areas of banks involve opening and managing clearing or interbank accounts with external organizations. For example, payment services often require clearing accounts with other domestic and foreign banks and payment clearing organizations (such as the People's Bank of China's cross-border payment system), while financial market services often require clearing accounts with other domestic and foreign banks and central counterparty clearing organizations (such as the Shanghai Clearing House). Furthermore, clearing accounts may be mixed between financial market and payment services. For these interbank deposit accounts opened with external organizations, corresponding shadow accounts (collectively referred to as interbank clearing accounts) must be established within the bank for management.

[0003] Currently, interbank clearing accounts for different business systems are primarily opened separately within their own systems. These accounts are dispersed across these systems, and data is not interoperable. Furthermore, clearing accounts in different business systems are managed in different ways: some are managed as internal ledgers, while others are managed through accounting subjects. Accounts scattered across these systems require either manual reporting of changes or system-to-system interaction to record changes, resulting in inefficiencies. Furthermore, the varying management models for clearing accounts across different business systems make reconciliation difficult and inefficient for managing the same account. Therefore, improving the efficiency of interbank account management has become a pressing technical challenge. Summary of the Invention

[0004] In view of the above-mentioned problems in the prior art, the purpose of this article is to provide a method, device, equipment and storage medium for interbank account information management, which can improve the efficiency of interbank account management.

[0005] In order to solve the above technical problems, the specific technical solutions of this article are as follows:

[0006] In one aspect, this document provides a method for managing interbank account information, which is applied to an interbank account management platform. The method includes:

[0007] determining at least one second bank associated with a first bank, wherein the first bank and the second bank have an interbank business relationship;

[0008] Obtaining an interbank deposit account opened at the second bank for the first bank;

[0009] Open a NOSTRO account corresponding to the interbank deposit account;

[0010] When there are changes in interbank accounts in the first bank, the NOSTRO account is preliminarily updated and the bill information sent by the second bank is obtained;

[0011] The NOSTRO account is further updated based on the bill information and the interbank deposit account.

[0012] Furthermore, the determining of at least one second bank associated with the first bank includes:

[0013] determining a first bank, wherein the first bank comprises a domestic banking entity and / or a foreign banking entity that is part of the same group as the domestic banking entity;

[0014] According to the first bank, a second bank having an interbank business relationship with the first bank is obtained, where the second bank includes a domestic banking entity, an overseas banking entity, and a clearing system entity.

[0015] Furthermore, the determining of at least one second bank associated with the first bank further includes:

[0016] Obtain basic information of each second bank and store the basic information of the second bank in the interbank account management platform, wherein the basic information of the second bank includes at least the following information: the entity to which it belongs, the department to which it belongs, the second bank code, and the second bank name.

[0017] Furthermore, the obtaining of the interbank deposit account opened at the second bank for the first bank includes:

[0018] Obtaining basic information of the second bank stored in the interbank account management platform;

[0019] Determining whether the basic information of the second bank is valid;

[0020] When the basic information of the second bank is valid, the interbank deposit account opened for the first bank is obtained from the second bank.

[0021] Furthermore, the obtaining of the interbank deposit account opened at the second bank for the first bank further includes:

[0022] Obtain basic information of the interbank deposit account and store the basic information of the interbank deposit account in the interbank account management platform, wherein the basic information of the interbank deposit account includes the entity to which it belongs, the department to which it belongs, the account number of the interbank deposit account, the currency and the name of the interbank deposit account.

[0023] Furthermore, the opening of a NOSTRO account corresponding to the interbank deposit account includes:

[0024] Determining the account institution and account attributes of the NOSTRO account to be opened in the first bank;

[0025] Open a NOSTRO account corresponding to the interbank deposit account based on the account institution and account attributes;

[0026] A mapping relationship between the interbank deposit account and the NOSTRO account is established, and the mapping relationship is stored in the interbank account management platform.

[0027] Furthermore, the step of opening a NOSTRO account corresponding to the interbank deposit account according to the account institution and account attributes includes:

[0028] Obtaining a plurality of interbank deposit accounts from the interbank account management platform;

[0029] According to the account institution and account attributes, a NOSTRO account corresponding to the plurality of interbank deposit accounts is opened.

[0030] The step of opening a NOSTRO account corresponding to the interbank deposit account according to the account institution and account attributes includes:

[0031] Determine the account institutions and account attributes of multiple groups of NOSTRO accounts to be opened;

[0032] Obtaining an interbank deposit account from the interbank account management platform;

[0033] According to the account institutions and account attributes of the multiple groups of NOSTRO accounts to be opened, multiple NOSTRO accounts corresponding to the interbank deposit accounts are opened.

[0034] Furthermore, the account attributes include at least accounting type, onshore and offshore flags, free trade and non-free trade flags, accounting information, management information and interest calculation rules.

[0035] Furthermore, the opening of a NOSTRO account corresponding to the interbank deposit account further includes:

[0036] Obtain all business types in the first bank;

[0037] Determining, according to a user instruction, at least one target business type associated with the NOSTRO account from among all the business types;

[0038] Opening a NOSTRO sub-account according to the target business type, wherein the NOSTRO sub-account is associated with the NOSTRO account;

[0039] When interbank account changes occur for the target business type in the first bank, the NOSTRO account and the NOSTRO sub-account are updated.

[0040] Furthermore, the method further comprises:

[0041] Obtain all NOSTRO accounts and their corresponding NOSTRO sub-accounts in the interbank account management platform;

[0042] A NOSTRO sub-account set corresponding to each of the business types is determined, so that account changes of the business type are determined through the NOSTRO sub-account set.

[0043] Furthermore, the opening of a NOSTRO account corresponding to the interbank deposit account further includes:

[0044] The NOSTRO account is adjusted according to the user's adjustment instructions, which include modification instructions, freezing instructions, account cancellation instructions, and account reopening instructions.

[0045] Furthermore, the NOSTRO account is further updated based on the bill information and the interbank deposit account, which then includes:

[0046] Obtaining, at a preset time, statement information of the second bank and account information of the corresponding NOSTRO account, the account information including account balance and account change information;

[0047] Determining whether the statement information of the second bank is consistent with the account information of the NOSTRO account;

[0048] If they are consistent, the accounts are marked consistent;

[0049] If there is any inconsistency, the account is marked as an error, and the account information of the NOSTRO account is adjusted according to the statement information of the second bank.

[0050] On the other hand, this document also provides an interbank account information management device, which is applied to an interbank account management platform, and the device includes:

[0051] A second bank determining module, configured to determine at least one second bank associated with a first bank, wherein the first bank and the second bank have an interbank business relationship;

[0052] an interbank deposit account acquisition module, configured to acquire an interbank deposit account opened at the second bank for the first bank;

[0053] A NOSTRO account opening module, used to open a NOSTRO account corresponding to the interbank deposit account;

[0054] an interbank account processing module, configured to preliminarily update the NOSTRO account when there is an interbank account change in the first bank, and obtain bill information sent by the second bank;

[0055] The NOSTRO account update module is used to further update the NOSTRO account based on the bill information and the interbank deposit account.

[0056] On the other hand, this document also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the method described above when executing the computer program.

[0057] Finally, this document also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the method described above.

[0058] By adopting the above-mentioned technical solution, an interbank account information management method, apparatus, equipment and storage medium described in this article first determine at least one second bank that has an interbank business relationship with a first bank, obtain an interbank deposit account opened in the second bank for the first bank; open a NOSTRO account corresponding to the interbank deposit account; when there are changes in interbank accounts in the first bank, preliminarily update the NOSTRO account and obtain the bill information sent by the second bank; further update the NOSTRO account based on the bill information and the interbank deposit account. This article realizes the management of interbank accounts of different second banks by adopting NOSTRO accounts, thereby improving the efficiency of interbank deposit account management.

[0059] In order to make the above and other purposes, features and advantages of this article more obvious and easy to understand, the following specifically cites preferred embodiments and provides detailed descriptions in conjunction with the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0060] In order to more clearly illustrate the technical solutions in the embodiments of this article or the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of this article. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0061] Figure 1 A schematic diagram showing the steps of a method for managing interbank account information provided by an embodiment of this document is shown;

[0062] Figure 2 A schematic diagram showing steps for obtaining an interbank deposit account in the embodiment of this article is shown;

[0063] Figure 3 A schematic diagram of the steps for opening a NOSTRO account in the embodiment of this document is shown;

[0064] Figure 4 A schematic diagram of the steps for opening a NOSTRO sub-account in the embodiment of this article is shown;

[0065] Figure 5 A schematic diagram of the structure of an interbank account information management device provided in an embodiment of this invention is shown;

[0066] Figure 6 A schematic structural diagram of a computer device provided in an embodiment of this invention is shown.

[0067] Description of the accompanying symbols:

[0068] 100. Second bank determination module;

[0069] 200. Interbank deposit account acquisition module;

[0070] 300. NOSTRO account opening module;

[0071] 400. Interbank account processing module;

[0072] 500. NOSTRO account update module;

[0073] 602. Computer equipment;

[0074] 604, processor;

[0075] 606, memory;

[0076] 608, driving mechanism;

[0077] 610, input / output module;

[0078] 612. Input devices;

[0079] 614. Output device;

[0080] 616. Presentation equipment;

[0081] 618. Graphical User Interface;

[0082] 620, network interface;

[0083] 622, communication link;

[0084] 624. Communication bus. DETAILED DESCRIPTION

[0085] The following will be combined with the accompanying drawings to clearly and completely describe the technical solutions in the embodiments of this document. Obviously, the embodiments described are only part of the embodiments of this document, not all of the embodiments. Based on the embodiments of this document, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of this document.

[0086] It should be noted that the terms "first," "second," and the like in the specification and claims herein and in the accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a particular order or precedence. It should be understood that the terms used in this manner are interchangeable where appropriate so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, apparatus, product, or device comprising a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units that are not explicitly listed or that are inherent to these processes, methods, products, or devices.

[0087] Interbank account relationships generally involve opening and managing interbank accounts with external organizations. In existing technology, interbank clearing accounts for different business systems are primarily opened separately within each business system. These accounts are dispersed across these systems, and data is not interoperable. Furthermore, clearing accounts in different business systems are managed in different ways: some are managed as internal accounts, while others are managed through accounting subjects. Account changes across these systems require either manual reporting or system-interactive recording of changes, resulting in inefficiencies. Furthermore, the varying management models for clearing accounts in different business systems make reconciliation difficult and inefficient for managing the same account.

[0088] In order to solve the above problems, the embodiments of this specification provide an interbank account management platform, which uniformly adopts NOSTRO accounts to manage interbank clearing accounts and accounts of different banking organizations or clearing organizations, and supports the opening of clearing accounts / NOSTRO accounts for different business areas, establishes a multi-level account system based on a structured model, follows a unified management process, and provides unified accounting services, thereby improving the management efficiency of interbank accounts.

[0089] Specifically, based on the above-mentioned interbank account management platform, the embodiments of this document provide an interbank account information management method, which can improve the efficiency of interbank account management. Figure 1This is a schematic diagram of the steps of an interbank account information management method provided in the embodiment of this article. This specification provides the method operation steps described in the embodiment or flowchart, but it may include more or fewer operation steps based on conventional or non-creative labor. The order of steps listed in the embodiment is only one way of executing the order of many steps and does not represent the only execution order. When the actual system or device product is executed, it can be executed in the order or in parallel according to the method shown in the embodiment or the accompanying drawings. Specifically, Figure 1 As shown, the method may include:

[0090] S101: Determine at least one second bank associated with a first bank, wherein the first bank and the second bank have an interbank business relationship;

[0091] S102: Obtaining an interbank deposit account opened at the second bank for the first bank;

[0092] S103: Opening a NOSTRO account corresponding to the interbank deposit account;

[0093] S104: When there is an interbank account change in the first bank, the NOSTRO account is preliminarily updated, and bill information sent by the second bank is obtained;

[0094] S105: Further update the NOSTRO account according to the bill information and the interbank deposit account.

[0095] The embodiment of this specification establishes a unified NOSTRO account for the second bank related to the first bank, thereby achieving unified management of the interbank accounts of the first bank. When interbank transactions occur, real-time interbank accounting is performed through the NOSTRO account. At the same time, the NOSTRO account is further updated based on the bill information of the second bank, thereby facilitating the reconciliation of the NOSTRO account under one system, thereby improving the efficiency and accuracy of reconciliation.

[0096] It can be understood that the first bank is a banking entity that conducts interbank account transactions with external organizations, such as Bank A. Furthermore, it can be a specific banking structure such as Bank A Branch A Chaoyang Branch. Therefore, for different banks or banking institutions, only one interbank account management platform provided above can be set up to unify the management of their interbank accounts.

[0097] The initial update of the NOSTRO account may be when the first bank actively initiates interbank transactions, and further updates of the NOSTRO account may be when the first bank incurs some passive interbank transactions, such as periodic deductions of management fees, initiated by a second bank. If the first bank is unable to update the NOSTRO account in a timely manner, it may need to update the NOSTRO account with the aid of the second bank's billing information. This ensures the accuracy of the NOSTRO account updates.

[0098] The second bank is a banking organization or clearing organization that has interbank business dealings with the first bank. Therefore, the second bank can be an account bank. Based on actual business, the first bank and the account bank sign an agreement to establish a corresponding interbank relationship. Therefore, the first bank and the second bank can obtain each other's bank information, thereby facilitating the maintenance of the validity of subsequent agreements.

[0099] The interbank deposit account is a bank account opened by the first bank (this bank) in the second bank after establishing a cooperative relationship with the second bank (the account bank). Therefore, maintaining the interbank deposit account in the first bank can greatly improve the accuracy of reflecting the balance and capital changes of the interbank deposit account, which is convenient for business personnel to evaluate the capital position more accurately and efficiently; the NOSTRO account is an account established within the bank to track and manage the interbank deposit account. It can be understood as a bookkeeping account opened in the first bank that has an interbank business relationship with the second bank. It lays an important foundation for the reconciliation of the interbank deposit account and can help to greatly improve the success rate and accuracy of automatic reconciliation.

[0100] In fact, depending on the nature of the second bank, the interbank deposit account also has different meanings. For example, when the second bank is a banking organization (such as a domestic bank or a foreign bank), the interbank deposit account is an actual interbank account. When the second bank is a clearing organization (such as the People's Bank of China's cross-border payment system, etc.), the interbank deposit account can be a clearing account.

[0101] Optionally, each of the second banks sets up an interbank deposit account with the first bank. Correspondingly, each of the first banks sets up only one NOSTRO account for each interbank deposit account. This can improve the efficiency of reconciliation of funds in the account and avoid the addition of additional accounts or banks. In some other embodiments, in the first bank, each of the NOSTRO accounts can correspond to multiple interbank deposit accounts opened by the second bank. This can avoid opening too many corresponding NOSTRO accounts in the first bank and improve the efficiency of the entire interbank account management platform. Of course, in some other embodiments, multiple NOSTRO accounts can also correspond to one interbank deposit account. The specific account setting relationship is not limited in this specification.

[0102] In this embodiment of the present specification, determining at least one second bank associated with the first bank includes:

[0103] determining a first bank, wherein the first bank comprises a domestic banking entity and / or a foreign banking entity that is part of the same group as the domestic banking entity;

[0104] According to the first bank, a second bank having an interbank business relationship with the first bank is obtained, where the second bank includes a domestic banking entity, an overseas banking entity, and a clearing system entity.

[0105] It can be understood that, through the first bank, other banking organizations or clearing organizations that have a business relationship with the specific business of the first bank can be determined. The first bank includes a domestic banking entity and / or an overseas banking entity belonging to the same group as the domestic banking entity. For example, the domestic banking entity is Branch C of Bank A (e.g., the Beijing branch), and the overseas banking entity belonging to the same group as the domestic banking entity is Branch D of Bank A (e.g., the Tokyo branch). After determining the first bank, a second bank that has a business relationship with the actual business of the first bank can be determined.

[0106] The second bank is actually a banking organization that has signed an agreement with the first bank. Therefore, in order to promptly determine whether the second bank can continue to conduct interbank business, the first bank needs to maintain the information of the second bank in real time. That is, the process of determining at least one second bank associated with the first bank further includes:

[0107] Obtain basic information of each second bank and store the basic information of the second bank in the interbank account management platform, wherein the basic information of the second bank includes at least the following information: the entity to which it belongs, the department to which it belongs, the second bank code, and the second bank name.

[0108] The "affiliated entity" and "affiliated department" can be understood as the management characteristics of the second bank within the first bank, such as which department or institution (affiliated department) of the first bank entity (or entity) manages the second bank, and are set based on actual circumstances. In some other embodiments, the second bank code can be compatible with the account maintenance bank BIC, the People's Bank of China's large and small bank number, or other system identification code.

[0109] Of course, the interbank account management platform supports the maintenance of account bank information across multiple clearing systems, including the unique identification key information: the second bank (account bank) code. Examples include the PBOC's RMB payment large and small-value clearing system, the Shanghai Clearing House clearing system, the SWIFT clearing system, the PBOC's CIPS clearing system, and the PBOC's domestic and foreign currency clearing system.

[0110] When the first and second banks sign an agreement, they can also specify the message format, such as whether to send a double-report flag. To promptly maintain the second bank's basic information, the second bank's basic information can be regularly obtained and maintained. In the embodiments of this specification, timely updates and maintenance can also be performed based on the latest message content, thereby improving the stability and reliability of the interbank account relationship between the second and first banks, thereby increasing interbank efficiency. Therefore, when maintaining the second bank's information, a message deadline can also be included to determine the efficiency of information updates via messages.

[0111] In some other embodiments, different second banks may maintain different information, which is not limited in the embodiments of this specification.

[0112] In the embodiments of this specification, Figure 2 As shown, obtaining the interbank deposit account opened at the second bank for the first bank includes:

[0113] S201: Obtaining basic information of the second bank stored in the interbank account management platform;

[0114] S202: Determine whether the basic information of the second bank is valid;

[0115] S203: When the basic information of the second bank is valid, an interbank deposit account opened for the first bank is obtained from the second bank; the interbank deposit account is used to update the account relationship of the first bank in the second bank.

[0116] It can be understood that the basic information of the second bank stored in the interbank account management platform is the basic information reserved or exchanged when the first bank and the second bank signed the agreement. When judging whether the basic information of the second bank is valid, the basic information of the second bank can be obtained first, and then the basic information obtained from the second bank is compared with the basic information reserved in advance to determine whether they are consistent. If they are consistent, it indicates that the reserved basic information of the second bank is valid. If they are inconsistent, it indicates that the reserved basic information of the second bank is not valid. If the basic information of the second bank is not valid, the maintained basic information of the second bank cannot be used to obtain the interbank account. If it is valid, the use of the second bank basic information to obtain the interbank account is supported. Optionally, only the second bank code in the basic information can be used as the key field to determine whether the basic information is consistent. In some other embodiments, there can also be other key fields for judgment, which are not described in detail in the embodiments of this specification.

[0117] Therefore, after the reserved basic information of the second bank takes effect, the interbank deposit account opened by the first bank in the second bank can be obtained, which is equivalent to saving the account information of the interbank deposit account of the second bank in the first bank. When the interbank deposit account in the second bank is updated, the first bank can update the NOSTRO account on the first bank or the deposit account management platform through the bill information of the second bank.

[0118] Therefore, in the embodiments of this specification, the interbank account management platform can achieve unified management of interbank accounts of different banking organizations or clearing organizations by obtaining and maintaining basic information of the second bank that has an interbank relationship with the first bank, thereby improving the efficiency of interbank account management.

[0119] In this embodiment of the present specification, obtaining the interbank deposit account opened at the second bank for the first bank further includes:

[0120] Obtain basic information of the interbank deposit account and store the basic information of the interbank deposit account in the interbank account management platform, wherein the basic information of the interbank deposit account includes the entity to which it belongs, the department to which it belongs, the account number of the interbank deposit account, the currency and the name of the interbank deposit account.

[0121] The "owning entity" and "owning department" may represent the management characteristics of the interbank deposit account at the first bank. In practice, the "owning entity" and "owning department" of the interbank deposit account are consistent with those of the corresponding second bank, and are not further detailed here. The "currency" may be the currency used in transactions between the first and second banks, such as a globally accepted currency such as the RMB, USD, or EUR. Other currencies are also possible and are not limited in this specification.

[0122] In a further embodiment, after the interbank account management platform obtains the basic information of the interbank deposit account, it can also maintain the basic information of the interbank deposit account, such as obtaining the basic information according to a certain period and updating the saved information in a timely manner.

[0123] Since the interbank account contract between the first bank and the second bank has an expiration date, the interbank account management platform can also set corresponding reminder times and reminder contents according to the different interbank account deposit agreement contents, such as whether it is necessary to re-sign the contract, whether it is necessary to update the basic information of the interbank account, etc. Other reminder contents can be set according to actual conditions.

[0124] In a further embodiment, on the interbank account management platform, the basic information of the stored interbank account can also be modified or deleted according to the user's operating instructions, thereby improving the convenience of managing the interbank account. Of course, in order to improve the security of modifying or deleting the interbank account, certain permissions need to be set for the user. For example, when the user's permissions exceed the threshold, certain modifications can be made to the interbank account. In some other embodiments, the user can also enter the operation interface for modifying or deleting the interbank account by means of an account password. The specific permission setting method is not limited in the embodiments of this specification.

[0125] Therefore, the embodiment of this specification can establish a comprehensive position account information maintenance system by obtaining the basic information of all interbank accounts of the first bank, support the maintenance of all interbank / clearing account information, support unified management of all interbank account information, and improve the efficiency of account management.

[0126] In the embodiments of this specification, Figure 3 As shown, the opening of a NOSTRO account corresponding to the interbank deposit account includes:

[0127] S301: Determine the account institution and account attributes of the NOSTRO account to be opened in the first bank;

[0128] S302: Opening a NOSTRO account corresponding to the interbank deposit account based on the account institution and account attributes;

[0129] S303: Establishing a mapping relationship between the interbank deposit account and the NOSTRO account, and storing the mapping relationship in the interbank account management platform.

[0130] It can be understood that after obtaining the interbank deposit account opened by the second bank, a NOSTRO account for bookkeeping can also be opened on the interbank account pipeline platform. Alternatively, a corresponding NOSTRO account can be opened based on the account institution of the first bank and the account attributes of the NOSTRO account to be opened. The account institution can be a branch or sub-branch of the first bank, such as Branch C, Sub-branch XX of Bank A.

[0131] The account attributes include at least accounting type, onshore / offshore flag, free trade / non-free trade flag, accounting information, management information, and interest calculation rules. The accounting type is pre-configured based on the settings of the interbank account management platform; the onshore / offshore flag indicates whether the account is traded within China; the free trade / non-free trade flag indicates whether the account is a free trade zone account; the accounting information may include the corresponding accounting institution, accounting subject, and regional category of the account; the management information may include whether overdrafts are supported, the using department, and the purpose of use; and the interest calculation rules may include the interest calculation method, interest calculation frequency, interest calculation day rule, floating interest rate, and fixed interest rate.

[0132] In a further embodiment, the NOSTRO account can also be modified according to the user's modification instructions, specifically through the interbank account management platform. For example, for a NOSTRO account that has not had any accounting transactions, it supports the modification of the offshore and onshore marks and the free trade and non-free trade marks. When the first bank has been determined, it is not allowed to modify the accounting institution. In addition, it supports the modification of the accounting type and the modification of the interest calculation method.

[0133] In the embodiments of this specification, the NOSTRO account can have a one-to-one correspondence with the interbank deposit account. By establishing a mapping relationship between the interbank deposit account and the NOSTRO account, that is, associating the interbank deposit account and the NOSTRO account, it can be ensured that the interbank deposit account opened at each second bank is managed separately on the interbank account management platform, thereby improving the efficiency and pertinence of interbank account management.

[0134] In some other embodiments, multiple interbank deposit accounts may be managed through one NOSTRO account. Specifically, the NOSTRO account corresponding to the interbank deposit account is opened according to the account institution and account attributes, including:

[0135] Obtaining a plurality of interbank deposit accounts from the interbank account management platform;

[0136] According to the account institution and account attributes, a NOSTRO account corresponding to the plurality of interbank deposit accounts is opened.

[0137] It can be understood that since the opening of different interbank deposit accounts will agree on or set the currency information of interbank transactions, it is possible to establish an association between several interbank deposit accounts for the same currency and one NOSTRO account, so that one NOSTRO account can record multiple interbank deposit accounts, reducing the number of NOSTRO accounts and facilitating the efficiency of subsequent reconciliation. At the same time, it will also reduce the complexity of NOSTRO accounts on the interbank account management platform and facilitate management.

[0138] In a further embodiment, a depository interbank account may be managed through multiple groups of NOSTRO accounts. Specifically, the step of opening a NOSTRO account corresponding to the depository interbank account according to the account institution and account attributes includes:

[0139] Determine the account institutions and account attributes of multiple groups of NOSTRO accounts to be opened;

[0140] Obtaining an interbank deposit account from the interbank account management platform;

[0141] According to the account institutions and account attributes of the multiple groups of NOSTRO accounts to be opened, multiple NOSTRO accounts corresponding to the interbank deposit accounts are opened.

[0142] In the embodiment of this specification, since the first bank can set up a NOSTRO account for the interbank deposit account in the second bank, Figure 4 As shown, in order to timely obtain the interbank account relationship of different business types in the first bank, after opening the NOSTRO account corresponding to the interbank deposit account, the following steps are also included:

[0143] S401: Acquire all business types in the first bank;

[0144] S402: Determine, according to a user instruction, at least one target business type related to the NOSTRO account from the total business types;

[0145] S403: Opening a NOSTRO sub-account according to the target business type, wherein the NOSTRO sub-account is associated with the NOSTRO account;

[0146] S404: When interbank account changes occur for the target business type in the first bank, the NOSTRO account and the NOSTRO sub-account are updated.

[0147] It can be understood that this article can establish a corresponding NOSTRO sub-account based on the target business type selected in advance, so as to realize the accounting of the business field of the target business type, thereby realizing the subsequent position account management based on the business accounting caliber.

[0148] In some other embodiments, corresponding interbank deposit sub-accounts may be set up in the second bank based on the business type of the first bank. This allows for an association between the interbank deposit sub-account and the NOSTRO sub-account, allowing for real-time understanding of fund changes and balances in different business areas through changes in the interbank deposit sub-account and the NOSTRO sub-account. Furthermore, through the interbank deposit accounts and NOSTRO accounts corresponding to the interbank deposit sub-account and the NOSTRO sub-account, the fund changes and balances of the entire bank's interbank deposit accounts at the second bank can be viewed from an overall perspective.

[0149] Taking a large-scale banking business as an example, it has opened an interbank deposit account at a commercial bank in the same field, and accordingly, a NOSTRO account has also been opened on its interbank account management platform. The financial market business and payment business of this large bank have also established corresponding special accounts (i.e., NOSTRO sub-accounts) according to actual needs. For mixed accounts, a two-level account structure can be established in the interbank account management platform: the first-level NOSTRO account summarizes the transactions of all interbank clearing accounts, including payment business and financial market business, and the corresponding interbank deposit account is the other party's account actually opened at the account bank; the second-level NOSTRO account (i.e., NOSTRO sub-account) is the NOSTRO sub-account corresponding to the financial market business and payment business, and the corresponding interbank deposit account is the internal current account opened in the financial market field and the payment field.

[0150] By establishing such a two-tier account system, the account structure is clear, and NOSTRO accounts at different levels can reflect the changes in funds and balances in different business areas. It is also possible to see the changes in funds and balances of the bank's interbank accounts in external account banks from an overall perspective, which can simultaneously meet the interbank account management needs of the respective business areas of payment and financial markets.

[0151] Therefore, based on determining the NOSTRO sub-accounts opened by the first bank at different second banks, all NOSTRO sub-accounts corresponding to the same business type can be determined, thereby summarizing the fund changes under the same business type. Specifically, the method further includes:

[0152] Obtain all NOSTRO accounts and their corresponding NOSTRO sub-accounts in the interbank account management platform;

[0153] A NOSTRO sub-account set corresponding to each of the business types is determined, so that account changes of the business type are determined through the NOSTRO sub-account set.

[0154] Therefore, this article manages based on business types, and manages position accounts according to statistics of different business types, which facilitates the statistics of position account changes for various purposes such as interbank transactions and commercial bank clearing purposes, and improves the efficiency of interbank management of business types.

[0155] In some other embodiments, the step of opening a NOSTRO account corresponding to the interbank deposit account further includes:

[0156] The NOSTRO account is adjusted according to the user's adjustment instructions, which include modification instructions, freezing instructions, account cancellation instructions, and account reopening instructions.

[0157] It should be noted that the corresponding permissions for adjusting the NOSTRO account can be set in advance. For example, according to the entity and organization to which the NOSTRO account belongs, only the corresponding entity and organization have the authority to modify it. In some other embodiments, the corresponding adjustment permissions can also be set according to the user himself.

[0158] In the embodiment of this specification, the NOSTRO account is further updated according to the bill information and the interbank deposit account, which then includes:

[0159] Obtaining, at a preset time, statement information of the second bank and account information of the corresponding NOSTRO account, the account information including account balance and account change information;

[0160] Determining whether the statement information of the second bank is consistent with the account information of the NOSTRO account;

[0161] If they are consistent, the accounts are marked consistent;

[0162] If there is any inconsistency, the account is marked as an error, and the account information of the NOSTRO account is adjusted according to the statement information of the second bank.

[0163] It can be understood that by comparing the statement information of the second bank with the account information of the NOSTRO account, the reconciliation efficiency of the first bank's interbank business can be achieved. For the position account management of different second banks, the system supports confirming the business transaction background through the circulation order mode and recording account changes. At the same time, the automatic reconciliation of the position accounts of different second banks is realized on the interbank account management platform, reducing the manual offline form filling process, reducing the time delay caused by the circulation of paper documents and reducing the operational risks of manual intervention.

[0164] This document provides standardized, unified accounting processing services based on different business types. In some other embodiments, the interbank account management platform also supports NOSTRO account transfers, inter-transfer reversal transactions, NOSTRO account postings, and posting reversal transactions. Systems corresponding to various business types can interact with the NOSTRO system's online interface to implement real-time postings or posting reversals for NOSTRO accounts.

[0165] The interbank account information management method provided in the embodiments of this specification can achieve the following beneficial effects:

[0166] 1) This paper establishes a unified interbank account management platform to achieve unified management of interbank accounts in the second bank. Different business areas can then uniformly adopt NOSTRO accounts for interbank clearing accounts and account management. Through a structured, multi-level account system, the hierarchical relationship of interbank clearing accounts in different business areas is clearly defined, providing business personnel with more flexible and diverse account configuration options.

[0167] 2) Compared with traditional internal accounts or account management methods, NOSTRO accounts have greatly improved the accuracy of reflecting the balances and fund changes of interbank accounts, making it easier for business personnel to assess fund positions more accurately and efficiently.

[0168] 3) It lays an important foundation for the reconciliation of interbank accounts and can help significantly improve the success rate and accuracy of automatic reconciliation.

[0169] 4) Operational risks can be effectively reduced through standardized and unified account management processes, effective control of business operation permissions, and traceability of business operation records.

[0170] Based on the above-mentioned interbank account information management method, if Figure 5 As shown, the embodiment of this specification also provides an interbank account information management device, the device comprising:

[0171] A second bank determination module 100 is configured to determine at least one second bank associated with a first bank, wherein the first bank and the second bank have an interbank business relationship;

[0172] Interbank deposit account acquisition module 200, used to obtain the interbank deposit account opened at the second bank for the first bank;

[0173] A NOSTRO account opening module 300 is used to open a NOSTRO account corresponding to the interbank deposit account;

[0174] Interbank account processing module 400, configured to preliminarily update the NOSTRO account when there is an interbank account change in the first bank, and obtain bill information sent by the second bank;

[0175] The NOSTRO account updating module 500 is used to further update the NOSTRO account according to the bill information and the interbank deposit account.

[0176] The beneficial effects achieved by the above-mentioned device are consistent with the beneficial effects achieved by the above-mentioned method, and are not described in detail in the embodiments of this specification.

[0177] like Figure 6 As shown, a computer device provided in an embodiment of the present invention is shown. The computer device 602 may include one or more processors 604, such as one or more central processing units (CPUs), each of which may implement one or more hardware threads. The computer device 602 may also include any memory 606 for storing any type of information, such as code, settings, data, etc. For example, without limitation, the memory 606 may include any one or more combinations of the following: any type of RAM, any type of ROM, a flash memory device, a hard disk, an optical disk, etc. More generally, any memory may use any technology to store information. Furthermore, any memory may provide volatile or non-volatile retention of information. Furthermore, any memory may represent a fixed or removable component of the computer device 602. In one embodiment, when the processor 604 executes associated instructions stored in any memory or combination of memories, the computer device 602 may perform any operation of the associated instructions. The computer device 602 also includes one or more drive mechanisms 608, such as a hard disk drive mechanism, an optical disk drive mechanism, etc., for interacting with any memory.

[0178] Computer device 602 may also include an input / output module 610 (I / O) for receiving various inputs (via input devices 612) and providing various outputs (via output devices 614). A specific output mechanism may include a presentation device 616 and an associated graphical user interface (GUI) 618. In other embodiments, input / output module 610 (I / O), input devices 612, and output devices 614 may not be included, and the computer device 602 may simply be a computer device in a network. Computer device 602 may also include one or more network interfaces 620 for exchanging data with other devices via one or more communication links 622. One or more communication buses 624 couple the components described above together.

[0179] The communication link 622 may be implemented in any manner, for example, via a local area network, a wide area network (e.g., the Internet), a point-to-point connection, etc., or any combination thereof. The communication link 622 may include any combination of hardwired links, wireless links, routers, gateway functions, name servers, etc., governed by any protocol or combination of protocols.

[0180] Corresponding to Figure 1-Figure 4 The embodiment of the present invention further provides a computer-readable storage medium having a computer program stored thereon, which executes the steps of the above method when executed by a processor.

[0181] The embodiment of the present invention also provides a computer readable instruction, wherein when the processor executes the instruction, the program causes the processor to execute the following Figures 1 to 4 The method shown.

[0182] It should be understood that in the various embodiments of this document, the size of the serial numbers of the above-mentioned processes does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of this document.

[0183] It should also be understood that in the embodiments herein, the term "and / or" merely describes an association between associated objects, indicating that three possible relationships exist. For example, "A and / or B" could represent: A alone, A and B simultaneously, or B alone. Furthermore, the character " / " in this document generally indicates an "or" relationship between the associated objects.

[0184] Those skilled in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the above description has generally described the composition and steps of each example according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this document.

[0185] Those skilled in the art will clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0186] In the several embodiments provided herein, it should be understood that the disclosed systems, devices, and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the division of the units is merely a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices, or units, or can be an electrical, mechanical, or other form of connection.

[0187] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiments herein.

[0188] In addition, the functional units in the various embodiments herein may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0189] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this article is essentially or the part that contributes to the existing technology, or all or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the method described in each embodiment of this article. The aforementioned storage medium includes: various media that can store program code, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0190] This article uses specific embodiments to illustrate the principles and implementation methods of this article. The description of the above embodiments is only used to help understand the methods and core ideas of this article. At the same time, for those skilled in the art, based on the ideas of this article, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation to this article.

Claims

1. A method for managing interbank account information, applied to an interbank account management platform, characterized in that: The method comprises: Determining at least one second bank associated with a first bank, wherein the first bank and the second bank have an interbank business relationship; the first bank is a banking entity that conducts interbank account transactions with an external organization; Obtaining an interbank deposit account opened at the second bank for the first bank; Determining the account institution and account attributes of the NOSTRO account to be opened in the first bank; Open a NOSTRO account corresponding to the interbank deposit account based on the account institution and account attributes; Establishing a mapping relationship between the interbank deposit account and the NOSTRO account, and storing the mapping relationship in the interbank account management platform; When there are changes in interbank accounts in the first bank, the NOSTRO account is preliminarily updated and the bill information sent by the second bank is obtained; The NOSTRO account is further updated based on the bill information and the interbank deposit account.

2. The method according to claim 1, characterized in that The determining of at least one second bank associated with the first bank includes: determining a first bank, wherein the first bank comprises a domestic banking entity and / or a foreign banking entity that is part of the same group as the domestic banking entity; According to the first bank, a second bank having an interbank business relationship with the first bank is obtained, where the second bank includes a domestic banking entity, an overseas banking entity, and a clearing system entity.

3. The method according to claim 2, characterized in that The determining of at least one second bank associated with the first bank then further comprises: Obtain basic information of each second bank and store the basic information of the second bank in the interbank account management platform, wherein the basic information of the second bank includes at least the following information: the entity to which it belongs, the department to which it belongs, the second bank code, and the second bank name.

4. The method according to claim 3, characterized in that The obtaining of the interbank deposit account opened at the second bank for the first bank includes: Obtaining basic information of the second bank stored in the interbank account management platform; Determining whether the basic information of the second bank is valid; When the basic information of the second bank is valid, the interbank deposit account opened for the first bank is obtained from the second bank.

5. The method according to claim 1, wherein The obtaining of the interbank deposit account opened at the second bank for the first bank further includes: Obtain basic information of the interbank deposit account and store the basic information of the interbank deposit account in the interbank account management platform, wherein the basic information of the interbank deposit account includes the entity to which it belongs, the department to which it belongs, the account number of the interbank deposit account, the currency and the name of the interbank deposit account.

6. The method according to claim 1, characterized in that The step of opening a NOSTRO account corresponding to the interbank deposit account according to the account institution and account attributes includes: Obtaining a plurality of interbank deposit accounts from the interbank account management platform; According to the account institution and account attributes, a NOSTRO account corresponding to the plurality of interbank deposit accounts is opened.

7. The method according to claim 1, characterized in that The step of opening a NOSTRO account corresponding to the interbank deposit account according to the account institution and account attributes includes: Determine the account institutions and account attributes of multiple groups of NOSTRO accounts to be opened; Obtaining an interbank deposit account from the interbank account management platform; According to the account institutions and account attributes of the multiple groups of NOSTRO accounts to be opened, multiple NOSTRO accounts corresponding to the interbank deposit accounts are opened.

8. The method according to claim 6 or 7, characterized in that The account attributes include at least accounting type, onshore and offshore marks, free trade and non-free trade marks, accounting information, management information and interest calculation rules.

9. The method according to claim 1, characterized in that The step of opening a NOSTRO account corresponding to the interbank deposit account further includes: Obtain all business types in the first bank; Determining, according to a user instruction, at least one target business type associated with the NOSTRO account from among all the business types; Opening a NOSTRO sub-account according to the target business type, wherein the NOSTRO sub-account is associated with the NOSTRO account; When interbank account changes occur for the target business type in the first bank, the NOSTRO account and the NOSTRO sub-account are updated.

10. The method according to claim 9, characterized in that The method further comprises: Obtain all NOSTRO accounts and their corresponding NOSTRO sub-accounts in the interbank account management platform; A NOSTRO sub-account set corresponding to each of the business types is determined, so that account changes of the business type are determined through the NOSTRO sub-account set.

11. The method according to claim 1, wherein The step of opening a NOSTRO account corresponding to the interbank deposit account further includes: The NOSTRO account is adjusted according to the user's adjustment instructions, which include modification instructions, freezing instructions, account cancellation instructions, and account reopening instructions.

12. The method according to claim 1, characterized in that Further updating the NOSTRO account based on the bill information and the interbank deposit account, which then includes: Obtaining, at a preset time, statement information of the second bank and account information of the corresponding NOSTRO account, the account information including account balance and account change information; Determining whether the second bank's statement information is consistent with the account information of the NOSTRO account; If they are consistent, the accounts are marked consistent; If there is any inconsistency, the account is marked as an error, and the account information of the NOSTRO account is adjusted according to the statement information of the second bank.

13. An interbank account information management device, applied to an interbank account management platform, characterized in that: The device comprises: A second bank determination module is configured to determine at least one second bank associated with a first bank, wherein the first bank and the second bank have an interbank business relationship; and the first bank is a banking entity that conducts interbank account transactions with an external organization; an interbank deposit account acquisition module, configured to acquire an interbank deposit account opened at the second bank for the first bank; A NOSTRO account opening module, configured to determine the account institution and account attributes of a NOSTRO account to be opened in the first bank; Open a NOSTRO account corresponding to the interbank deposit account based on the account institution and account attributes; Establishing a mapping relationship between the interbank deposit account and the NOSTRO account, and storing the mapping relationship in the interbank account management platform; an interbank account processing module, configured to preliminarily update the NOSTRO account when there is an interbank account change in the first bank, and obtain bill information sent by the second bank; The NOSTRO account update module is used to further update the NOSTRO account based on the bill information and the interbank deposit account.

14. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the method according to any one of claims 1 to 12 is implemented.

15. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 12 is implemented.

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