Financial industry fund auxiliary management system

Abstract

The invention provides a financial industry fund auxiliary management system comprising a reimbursement center unit used for receiving a fund allocation request list; the fund allocation bill management unit is used for checking and settling the fund allocation request bill and generating a fund allocation bill; the account checking unit is used for checking the fund allocation receipt and the fund allocation request list, checking whether the allocation amount in the fund allocation receipt is consistent with the amount to be paid in the fund allocation request list or not, and generating an account checking list; the real-time balance unit is used for displaying account balance information and amount allocation and generating a transaction order according to the allocated amount; the transfer instruction monitoring unit is used for monitoring the execution condition of the transfer instruction of the real-time balance unit; according to the fund allocation management system, the legality and the safety of each fund allocation are ensured and data errors are reduced through the auditing of a plurality of links such as the reimbursement center unit, the fund allocation management unit, the fund allocation unit and the data element auditing unit.

Description

Technical Field

[0001] The present invention relates to the technical field of financial management, and in particular to a financial industry fund auxiliary management system. Background Art

[0002] At present, with the continuous development of the Internet financial industry, more and more financial companies and individuals are conducting fund transactions through transfers, and the basis of business operations and development is the flow of fund value. Therefore, funds, as an important part of corporate production and operation, are crucial to financial management and control in corporate development.

[0003] Fiscal industrial funds usually involve a large amount of fund allocation and payment. These funds are used to support various industrial development, infrastructure construction, scientific and technological innovation and other projects. The traditional fiscal fund management method mainly relies on manual review, which is time-consuming, prone to delays and errors, and cannot meet the high efficiency requirements of modern fiscal management. In addition, manual operations are prone to human errors and lack effective monitoring methods, making it difficult to ensure the security of fund allocation.

[0004] Therefore, it is necessary to provide a new financial industry fund auxiliary management system to solve the above technical problems. Summary of the invention

[0005] In order to solve the above technical problems, the present invention provides a financial industry fund auxiliary management system.

[0006] The financial industry fund auxiliary management system provided by the present invention comprises a reimbursement center unit for receiving fund transfer request sheets from inside or outside;

[0007] Input: Fund transfer request form (including information on the type of payment to be made and the amount of payment to be made);

[0008] Output: Send the fund transfer request form to the fund transfer form management unit and the statement unit for review.

[0009] The process is as follows:

[0010] i. Receive requests: Receive fund transfer requests through various channels (such as email, internal systems, API interfaces, etc.).

[0011] Check the format and completeness of the request form to ensure that all required information has been provided. ii. Initial Verification:

[0012] ii. Record request: record the received fund transfer request in the system and generate a unique request number;

[0013] iv. Send for review: Send the fund transfer request form to the fund transfer form management unit and the statement unit for further review and processing.

[0014] The fund transfer order management unit is used to review and settle fund transfer request orders and generate fund transfer documents;

[0015] The statement unit is used to verify the fund transfer document and the fund transfer request form, check whether the transfer amount in the fund transfer document is consistent with the amount to be paid in the fund transfer request form, and if there is a rejected amount, verify whether the reason for the rejection in the fund transfer document management unit is reasonable, confirm the correctness of the rejected amount, and generate a statement;

[0016] Real-time balance unit: used to display account balance information and amount transfer, generate transaction orders based on the transferred amount, and support automatic review of transfer instructions;

[0017] Input: Transfer amount;

[0018] Output: transaction order;

[0019] The process is as follows:

[0020] i. Set rules: configure the allocation rules and execution methods, such as setting the priority and limit of allocation;

[0021] ii. Check balance: automatically check the real-time balance information of the account;

[0022] ii. Generate instructions: Generate transfer instructions according to the transfer rules;

[0023] iv. Automatic Review:

[0024] Rule check: Automatically check the legality of the transfer instruction based on the preset review rules (such as the upper limit of the amount, the adequacy of the account balance, etc.);

[0025] Data verification: Verify whether the key information in the transfer instruction (such as payee information, transfer amount, etc.) is accurate;

[0026] Anomaly detection: detects whether there are abnormal situations, such as repeated instructions, illegal characters, etc.

[0027] v. Manual review (optional): If the automatic review fails or the system configuration requires manual review, the financial staff will manually review the transfer instructions and transfer amounts to ensure they are correct;

[0028] vi. Execute transfer: The transfer instruction monitoring unit monitors the execution of the transfer instruction to ensure the success of the transfer;

[0029] vii. Generate transaction order: Generate transaction order according to transfer instruction and record detailed information of transfer;

[0030] vii. Send storage: send the transaction order to the data storage unit and the data element review unit.

[0031] A transfer instruction monitoring unit, used to monitor the execution of the transfer instruction of the real-time balance unit;

[0032] Input: transfer instruction;

[0033] Output: Transfer execution report.

[0034] The process is as follows:

[0035] i. Receive instruction: receive transfer instruction from real-time balance unit;

[0036] ii. Real-time monitoring: Real-time monitoring of the execution of transfer instructions to ensure that the transfer is carried out as expected;

[0037] iii. Exception handling: If a transfer fails or is abnormal, promptly report it to the police and record the log;

[0038] iv. Generate report: Generate a transfer execution report to record the status and results of the transfer.

[0039] A data storage unit for storing statements and transaction orders;

[0040] Data storage unit, used to store statements and transaction orders, and generate settlement vouchers and accounting vouchers;

[0041] Input: statements and transaction slips;

[0042] Output: settlement documents and accounting documents.

[0043] The process is as follows:

[0044] i. Receive data: receive statements and transaction orders from the statement unit and real-time balance unit;

[0045] ii. Data storage: Store statements and transaction orders in the database to ensure data security and integrity;

[0046] iii. Generate vouchers: Generate settlement vouchers and accounting vouchers based on reconciliation statements and transaction orders;

[0047] iv. Send vouchers: Send settlement vouchers and accounting vouchers to the fund transfer order management unit and the accounting center unit for accounting.

[0048] The data element review unit is used to review the statement and transaction order, check whether the transfer amount in the statement is consistent with the transfer amount in the transaction order, and ensure the consistency of the transfer amount.

[0049] Input: Statements and Transaction Notes.

[0050] Output: Audit results.

[0051] The process is as follows:

[0052] i. Receive data: Receive statements and transaction orders from the statement unit and real-time balance unit

[0053] ii. Detailed review:

[0054] Transfer amount: Check whether the transfer amount in the statement is consistent with the transfer amount in the transaction order;

[0055] Data consistency: ensuring the consistency and accuracy of all relevant data;

[0056] ii. Generate results:

[0057] Approved: If the transfer amount is consistent, the review is passed and the statement and transaction order are stored in the data storage unit;

[0058] Failed the audit: If the transferred amount does not match, enter the reason for rejection and record it in the log, and notify the relevant personnel to make corrections.

[0059] Furthermore, the fund transfer document includes the transfer amount, the rejection amount, and the rejection reason information.

[0060] Furthermore, the fund transfer request form includes information on the type of payment to be made and the amount of payment to be made.

[0061] Furthermore, the data storage unit generates a settlement voucher and an accounting voucher according to the statement and the transaction order, and sends them to the fund transfer order management unit and the reimbursement center unit for accounting.

[0062] Furthermore, the real-time balance unit performs amount transfer in two ways: automatic execution and manual review, which specifically include the following steps:

[0063] S1. Set up transfer rules and execution methods;

[0064] S2, automatically query the account balance and generate transfer instructions according to the transfer rules;

[0065] S3. Manually review the transfer instruction and transfer amount;

[0066] S4, the transfer instruction monitoring unit monitors the execution of the transfer instruction;

[0067] S5. Submit the transfer instruction to the bank system for online transfer.

[0068] Compared with the related art, the financial industry fund auxiliary management system provided by the present invention has the following beneficial effects:

[0069] 1. The present invention reduces the steps of manual intervention and improves the processing speed and efficiency of fund transfer by introducing functions such as automatic review and real-time monitoring.

[0070] 2. The present invention ensures the legality and security of each fund transfer through the audit of multiple links such as the reimbursement center unit, the fund transfer order management unit, the statement unit, and the data element audit unit. Through double verification of the statement unit and the data element audit unit, the consistency of the transfer amount in the statement and the transaction order is ensured, thereby reducing data errors.

[0071] 3. The real-time balance unit and transfer instruction monitoring unit provide real-time account balance and transfer status information to ensure the transparency of fund allocation. The transfer instruction monitoring unit and automatic review module can detect and handle abnormal situations in real time, and promptly discover and resolve potential risks. BRIEF DESCRIPTION OF THE DRAWINGS

[0072] Figure 1 A structural diagram of a preferred embodiment of the financial industry fund auxiliary management system provided by the present invention;

[0073] Figure 2 A flowchart of the real-time balance unit provided by the present invention for transferring amount. DETAILED DESCRIPTION

[0074] The present invention will be further described below in conjunction with the accompanying drawings and implementation modes.

[0075] Please refer to Figure 1 , Figure 2 ,in, Figure 1 A structural diagram of a preferred embodiment of the financial industry fund auxiliary management system provided by the present invention; Figure 2 A flowchart of the real-time balance unit provided by the present invention for transferring amount.

[0076] Embodiment 1

[0077] In the specific implementation process, Figure 1 as well as Figure 2 As shown, the financial industry fund auxiliary management system includes a reimbursement center unit, which is used to receive fund transfer request forms from inside or outside, wherein the fund transfer request forms include information on the type of payment to be made and the amount of payment to be made;

[0078] The fund transfer order management unit is used to review and settle the fund transfer request form and generate a fund transfer document, where the fund transfer document includes the transfer amount, the rejection amount, and the rejection reason information;

[0079] The statement unit is used to verify the fund transfer document and the fund transfer request form, check whether the transfer amount in the fund transfer document is consistent with the amount to be paid in the fund transfer request form, and if there is a rejected amount, verify whether the reason for the rejection in the fund transfer document management unit is reasonable, confirm the correctness of the rejected amount, and generate a statement;

[0080] Real-time balance unit, used to display account balance information and amount transfer, and generate transaction orders based on the transferred amount;

[0081] A transfer instruction monitoring unit is responsible for monitoring the execution of the transfer instruction of the real-time balance unit;

[0082] The data element review unit is used to review the statement and transaction order to check whether the transfer amount in the statement is consistent with the transfer amount in the transaction order;

[0083] Furthermore, when the transfer amount in the reconciliation statement matches the transfer amount in the transaction order and passes the review, the reconciliation statement and the transaction order are automatically stored in the data storage unit; when the transfer amount in the reconciliation statement matches the transfer amount in the transaction order and fails the review, the rejection reason is entered and recorded in the log;

[0084] The data storage unit is used to store statements and transaction orders.

[0085] Among them, the real-time balance unit and transfer instruction monitoring unit provide real-time account balance and transfer status information to ensure the transparency of fund allocation. The transfer instruction monitoring unit and automatic review module can detect and handle abnormal situations in real time, and promptly discover and resolve potential risks.

[0086] It should be noted that the real-time balance unit transfers the amount in two ways: automatic execution and manual review, which specifically include the following steps:

[0087] S1. Set up transfer rules and execution methods (set transfer priorities and limits);

[0088] S2, automatically query the account balance and generate transfer instructions according to the transfer rules;

[0089] S3. Manually review the transfer instruction and transfer amount;

[0090] S4, the transfer instruction monitoring unit monitors the execution of the transfer instruction;

[0091] S5. Submit the transfer instruction to the bank system for online transfer.

[0092] Embodiment 2

[0093] In a specific implementation process, the data storage unit generates settlement vouchers and accounting vouchers based on the statement of account and the transaction order, and sends them to the fund transfer order management unit and the accounting center unit for accounting respectively. The data storage unit centrally stores the statement of account and the transaction order, generates settlement vouchers and accounting vouchers, and ensures the uniformity and consistency of the data.

[0094] The working principle provided by the present invention is as follows:

[0095] The reimbursement center unit receives the fund transfer request form from the inside or outside, and sends the fund transfer request form (including the type to be paid and the amount to be paid) to the fund transfer form management unit and the statement unit for review;

[0096] The fund transfer order management unit reviews and settles the fund transfer request and generates a fund transfer document (including the transfer amount, rejection amount, and rejection reason);

[0097] The statement unit compares the fund transfer document with the fund transfer request form to check whether the transfer amount in the fund transfer document is consistent with the amount to be paid in the fund transfer request form. If there is a rejected amount, it is necessary to verify whether the reason for rejection by the fund transfer document management unit is reasonable, confirm the correctness of the rejected amount, and generate a statement.

[0098] After verifying the fund transfer document, the statement unit updates the statement to the real-time balance unit, which then transfers the amount to the reimbursement center unit based on the statement amount and generates a transaction order.

[0099] The data element review unit reviews the statement of account and transaction order and stores them in the data storage unit.

[0100] Through the description of the above implementation methods, those skilled in the art can clearly understand that each implementation method can be implemented by means of software plus a general hardware platform, and of course, by hardware. Based on this understanding, the above technical solution is essentially or the part that contributes to the relevant technology can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, a disk, an optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each embodiment or some parts of the embodiments.

[0101] The above shows and describes the basic principles and main features of the present invention and the advantages of the present invention. For those skilled in the art, it is obvious that the present invention is not limited to the details of the above exemplary embodiments, and the present invention can be implemented in other specific forms without departing from the spirit or basic features of the present invention. Therefore, no matter from which point of view, the embodiments should be regarded as exemplary and non-restrictive. The scope of the present invention is defined by the attached claims rather than the above description, and it is intended that all changes falling within the meaning and scope of the equivalent elements of the claims are included in the present invention, and any figure mark in the claims should not be regarded as limiting the claims involved.

[0102] In addition, it should be understood that although the present specification is described according to implementation modes, not every implementation mode contains only one independent technical solution. This description of the specification is only for the sake of clarity. Those skilled in the art should regard the specification as a whole. The technical solutions in each embodiment may also be appropriately combined to form other implementation modes that can be understood by those skilled in the art.

Claims

1. A financial industry fund auxiliary management system, characterized in that: It includes a reimbursement center unit for receiving fund transfer request forms from inside or outside; The fund transfer order management unit is used to review and settle fund transfer request orders and generate fund transfer documents; The statement unit is used to verify the fund transfer document and the fund transfer request form, check whether the transfer amount in the fund transfer document is consistent with the amount to be paid in the fund transfer request form, and if there is a rejected amount, verify whether the reason for the rejection in the fund transfer document management unit is reasonable, confirm the correctness of the rejected amount, and generate a statement; Real-time balance unit, used to display account balance information and amount transfer, and generate transaction orders based on the transferred amount; A transfer instruction monitoring unit is responsible for monitoring the execution of the transfer instruction of the real-time balance unit; The data storage unit is used to store statements and transaction orders.

2. The financial industry fund auxiliary management system according to claim 1 is characterized in that: It also includes a data element review unit for reviewing the statement and the transaction order to check whether the transfer amount in the statement is consistent with the transfer amount in the transaction order.

3. The financial industry fund auxiliary management system according to claim 2 is characterized in that: When the transfer amount in the reconciliation statement is consistent with the transfer amount in the transaction order and passes the review, the reconciliation statement and the transaction order are automatically stored in the data storage unit. When the transfer amount in the reconciliation statement is consistent with the transfer amount in the transaction order but fails the review, the rejection reason is entered and logged.

4. The financial industry fund auxiliary management system according to claim 3 is characterized in that: The fund transfer document includes the transfer amount, the rejection amount, and the rejection reason information.

5. The financial industry fund auxiliary management system according to claim 4 is characterized in that: The fund transfer request form includes information on the type of payment to be made and the amount of payment to be made.

6. The financial industry fund auxiliary management system according to claim 5 is characterized in that: The data storage unit generates a settlement voucher and an accounting voucher according to the statement and the transaction order, and sends them to the fund transfer order management unit and the reimbursement center unit for accounting.

7. The financial industry fund auxiliary management system according to claim 6 is characterized in that: The real-time balance unit performs amount transfer in two ways: automatic execution and manual review, which specifically includes the following steps: S1. Set up transfer rules and execution methods; S2, automatically query the account balance and generate transfer instructions according to the transfer rules; S3. Manually review the transfer instruction and transfer amount; S4, the transfer instruction monitoring unit monitors the execution of the transfer instruction; S5. Submit the transfer instruction to the bank system for online transfer.

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