Bank financing management system and method

Abstract

The invention discloses a bank financial management system and a bank financial management method, and aims to provide an integrated financial service management capability based on SaaS architecture for a bank and realize comprehensive digitization of enterprise financial services and efficient integration of inter-bank services. According to the system, through cooperative operation of the bank management end, the enterprise client and the multi-bank bank-enterprise exchange management end, a financial resource service platform covering full-business processes of banks and enterprises is constructed. The bank management end is responsible for enterprise customer settlement and contract signing management, financial function authority configuration and business data synchronization and sharing. The enterprise client is used for logging in a signed enterprise, and the enterprise accesses the system through a client account and an administrator account configured by the bank management end. And the multi-bank bank-enterprise exchange management terminal is responsible for information interaction between an enterprise and a non-bank account. The platform is safely and efficiently connected with a plurality of external bank systems through a unified protocol adapter and an encrypted communication link, so that real-time transmission of inter-bank transaction instructions and real-time updating of account data are realized.

Description

Technical Field

[0001] The present invention relates to the technical field of enterprise fund management, and in particular to a bank treasury management system and method. Background Art

[0002] As corporate treasury management needs grow, traditional online banking systems offered by banks are increasingly unable to meet the functional and management needs of enterprise clients. Treasury management systems are evolving into an integrated, intelligent management approach within banking and corporate services. The introduction of treasury cloud platforms provides banks and enterprises with comprehensive treasury management services. Current treasury management systems are typically built on the bank's own systems. While they can meet basic account, transaction, and settlement management needs, they have limitations in terms of unified management of multiple banks and accounts, diversified payment and settlement, and cross-border fund pooling.

[0003] The existing treasury management system has the following defects:

[0004] 1. Difficulties in cross-bank management: The existing system requires funds management for multiple bank accounts to be completed separately through each bank's system, resulting in complex and inefficient management.

[0005] 2. Information silos: Financial information between different banking systems is relatively closed, making it impossible to achieve comprehensive data sharing within the enterprise.

[0006] 3. Complicated operations: Inter-bank transfers, settlements, and other operations are complex, lacking efficient and convenient methods.

[0007] 4. Insufficient data real-time performance: The existing system lags behind in cross-bank data synchronization and account balance and detail updates, impacting the real-time performance of treasury data.

[0008] 5. Imperfect security and authority management: In traditional solutions, the allocation of corporate fund management authority and risk control are not flexible enough, posing security risks.

[0009] 6. Lack of business functions: Traditional treasury management systems can usually only cover basic functions such as account management and payment processing. They lack comprehensive business management capabilities and cannot meet the complex needs of enterprises in fund management, budget control, financing, bills, supply chain finance, etc. Summary of the Invention

[0010] In response to the shortcomings of the existing technology, the present invention provides a bank treasury management system and method, which realizes the on-boarding and contract signing management of corporate customers and the synchronization of data through the bank management end, and realizes the centralized management of multiple accounts of enterprises in multiple banks and the real-time updating of account data through the two-way integration of the enterprise client and the multi-bank bank-enterprise exchange management end.

[0011] The first object of the present invention is to provide a bank treasury management system, comprising:

[0012] The enterprise client is used to implement the enterprise's internal treasury management functions. The enterprise client includes:

[0013] Channel access module supports enterprise users to access through multiple terminals such as PC-Web terminal, mobile terminal and enterprise information system;

[0014] Business management module, used for enterprise account management, payment settlement, business processing and business monitoring;

[0015] The enterprise management module is used to manage basic enterprise information, system operation logs, enterprise organizational structure, enterprise user information, enterprise custom parameters, and configure approval processes;

[0016] Among them, the real-time transmission of transaction instructions between corporate clients and the bank, the real-time update of account data, or the connection between internal business centers and capability centers are achieved through inline adapters. The inline adapters have the ability to flexibly switch and configure different versions of different interfaces and messages to achieve efficient interconnection.

[0017] The bank management side, as the platform's operational hub, is responsible for the closed-loop management of corporate customers. The bank management side includes:

[0018] The channel access module supports multi-terminal access of bank management users through PC, Web, and mobile terminals;

[0019] Internal management module, used to manage basic bank information, system operation logs, bank organizational structure, bank user information, and configure approval processes;

[0020] The enterprise client management module is used to manage the onboarding and contract signing of enterprise clients, configure their treasury function permissions, and synchronize and share relevant business data;

[0021] The multi-bank enterprise exchange management terminal is used to establish communication between enterprise clients and bank systems to achieve cross-bank business collaboration. The multi-bank enterprise exchange management terminal includes:

[0022] Multi-bank access module, directly connected to multiple bank interfaces through protocol adapters;

[0023] Inter-bank interaction module, which enables real-time update of account data through inter-bank interfaces;

[0024] The enterprise client is connected to the multi-bank enterprise exchange management terminal through an external adapter and an encrypted communication channel to achieve real-time transmission of inter-bank transaction instructions and real-time update of account data.

[0025] As a further improvement of the present invention, the enterprise management module includes:

[0026] The enterprise information management unit is used to manage enterprise organizations, departments, and user information according to the enterprise structure, and to set permissions for accounts at each level according to the enterprise structure;

[0027] Log management unit, used to record user operations and all events of enterprise clients;

[0028] The control center is used to manage the parameters and permissions of each module of the enterprise client, and configure hierarchical relationships and approval processes for accounts.

[0029] As a further improvement of the present invention, the service management module includes:

[0030] Data center, used for visual analysis of corporate capital flows and account status, to monitor treasury status in real time;

[0031] The account center is used for unified management of multi-bank and multi-currency accounts, and manages account details, balances, and receipts, and sets permissions and transaction limits for accounts based on account information;

[0032] Settlement center, supporting multiple payment methods, including batch payment, agent payment, and mixed payment;

[0033] The monitoring center is used to monitor the transaction status of each account and issue risk warnings when abnormal transactions occur.

[0034] As a further improvement of the present invention, the settlement center includes:

[0035] Single payment unit, supporting real-time payment, batch payment and agent payment instruction generation;

[0036] The linked payment unit automatically splits inter-bank payment instructions according to preset rules and routes them to the corresponding banks;

[0037] The receipt processing unit automatically captures bank receipts and associates them with the corresponding accounts;

[0038] The cache unit caches payment instructions in high-concurrency payment instruction scenarios and sets cache queues based on account levels.

[0039] As a further improvement of the present invention, the data center includes:

[0040] Funds utilization analysis unit, used to dynamically display the distribution of funds in each account and the efficiency of fund utilization;

[0041] A transaction tracking unit, which is used to mark transactions that exceed a preset threshold and associate all approval records for the transaction;

[0042] The risk assessment unit is used to conduct risk assessments on abnormal transactions warned by the monitoring center based on the fund utilization of each account and generate disposal suggestions.

[0043] As a further improvement of the present invention, the service management module further includes:

[0044] The accounting center collects and calculates the accounting data of each account in real time, and automatically generates financial statements for each account according to the preset time.

[0045] As a further improvement of the present invention, the multi-bank access module supports HTTP and dedicated line communication protocols.

[0046] As a further improvement of the present invention, the multi-bank access module automatically switches the message format and encrypted communication mode according to the target bank interface type.

[0047] As a further improvement of the present invention, the system adopts a distributed microservice architecture, and each module of the enterprise client, the bank management terminal and the multi-bank bank-enterprise exchange management terminal adopts parameterized design. The channel access modules of the enterprise client, the bank management terminal and the multi-bank bank-enterprise exchange management terminal are constructed using the vue, elementuUi and smartUi development frameworks.

[0048] A second object of the present invention is to provide a bank treasury management method, based on the above-mentioned treasury management system, comprising:

[0049] Bank users access the bank management side through channels; in the enterprise client management module, they sign on corporate customers, configure their treasury function permissions, add enterprise administrator users, and synchronize and share relevant business data.

[0050] Enterprise users access the enterprise client through the channel access module; in the enterprise management module, they manage basic enterprise information, operation logs, and configure approval processes; in the business management module, they manage enterprise accounts, payment settlements, business processing, and business monitoring operations;

[0051] The multi-bank enterprise direct connection management terminal receives the business requests of the enterprise client and connects to the corresponding bank interface through the protocol adapter according to the business requests of the enterprise client to realize the real-time transmission of the enterprise client's inter-bank transaction instructions and the real-time update of account data.

[0052] Compared with the prior art, the present invention has the following beneficial effects:

[0053] Through the two-way integration of the enterprise client and the multi-bank enterprise exchange management terminal, the system realizes the centralized management of multiple accounts of enterprises in multiple banks and the real-time update of account data, breaking down data silos and improving the efficiency of treasury management.

[0054] The entire system adopts a microservice architecture. Both the enterprise client and the multi-bank enterprise exchange management terminal adopt modular configuration. In addition, each module of the enterprise client and the multi-bank enterprise exchange management terminal adopts parameterized configuration. System function modules can be added according to actual business needs without affecting the original system architecture, thereby realizing flexible business configuration.

[0055] The channel access module of the enterprise client supports enterprise users to access the system through multiple terminals such as PC-Web, mobile terminals and enterprise information systems. The enterprise management module and business management module integrate various functional units of enterprise business needs. They can configure corresponding permissions for accounts and users at each level according to the enterprise structure, analyze and monitor the financial status of enterprise accounts, facilitate enterprise financial management, and improve the efficiency and security of financial management. BRIEF DESCRIPTION OF THE DRAWINGS

[0056] Figure 1 This is a diagram of the functional architecture of the treasury management system;

[0057] Figure 2 This is a diagram of the technical architecture of the treasury management system;

[0058] Figure 3 This is a diagram of the use of the treasury management system. DETAILED DESCRIPTION

[0059] To make the objectives, technical solutions, and advantages of the embodiments of the present invention more clear, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts shall fall within the scope of protection of the present invention.

[0060] The present invention is described in further detail below with reference to the accompanying drawings:

[0061] A bank treasury management system, the system's functional architecture is as follows Figure 1 As shown, the system includes:

[0062] The enterprise client is used to implement the enterprise's internal treasury management functions. The enterprise client includes:

[0063] Channel access module supports enterprise users to access through multiple terminals such as PC-Web terminal, mobile terminal and enterprise information system;

[0064] Business management module, used for enterprise account management, payment settlement, business processing and business monitoring;

[0065] The enterprise management module is used to manage basic enterprise information, system operation logs, enterprise organizational structure, enterprise user information, enterprise custom parameters, and configure approval processes;

[0066] Among them, the real-time transmission of transaction instructions between corporate clients and the bank, the real-time update of account data, or the connection between internal business centers and capability centers are achieved through inline adapters. The inline adapters have the ability to flexibly switch and configure different versions of different interfaces and messages to achieve efficient interconnection.

[0067] The bank management side, as the platform's operational hub, is responsible for the closed-loop management of corporate customers. The bank management side includes:

[0068] The channel access module supports multi-terminal access of bank management users through PC, Web, and mobile terminals;

[0069] Internal management module, used to manage basic bank information, system operation logs, bank organizational structure, bank user information, and configure approval processes;

[0070] The enterprise client management module is used to manage the onboarding and contract signing of enterprise clients, configure their treasury function permissions, and synchronize and share relevant business data;

[0071] The multi-bank enterprise exchange management terminal is used to establish communication between enterprise clients and bank systems to achieve cross-bank business collaboration. The multi-bank enterprise exchange management terminal includes:

[0072] Multi-bank access module, directly connected to multiple bank interfaces through protocol adapters;

[0073] Inter-bank interaction module, which enables real-time update of account data through inter-bank interfaces;

[0074] The enterprise client is connected to the multi-bank enterprise exchange management terminal through an external adapter and an encrypted communication channel to achieve real-time transmission of inter-bank transaction instructions and real-time update of account data.

[0075] Through two-way integration between the enterprise and bank sides, the entire system enables centralized management of multiple accounts across multiple banks and real-time updating of account data, breaking down data silos and improving the efficiency of treasury management.

[0076] The overall technical architecture of the treasury management system is as follows: Figure 2 As shown by Figure 2 It can be seen that:

[0077] The treasury management system adopts a distributed microservice architecture, using SpringBoot, SpringCloud, and SpringCloudAlibaba as the main framework for building microservices;

[0078] The system's enterprise client, bank management terminal, and multi-bank bank-enterprise exchange management terminal all adopt a modular design. Functional modules can be configured for these terminals based on actual business needs without affecting the overall system architecture. Each functional module adopts a parameterized design, allowing for flexible configuration to meet functional expansion requirements.

[0079] The channel access module of the enterprise client is built using the vue, elementuUi and smartUi development frameworks.

[0080] Furthermore, the enterprise management module includes:

[0081] The enterprise information management unit is used to manage enterprise organizations, departments, and user information according to the enterprise structure, and to set permissions for accounts at each level according to the enterprise structure to achieve account management at different levels;

[0082] The log management unit is used to record user operations and all events of the enterprise client to ensure the traceability and compliance of operations. The records of the log management unit must be retained for at least 6 months and can be reviewed by regulatory agencies.

[0083] The control center is used to manage the parameters and permissions of each module of the enterprise client, configure the hierarchical relationship and approval process for each account according to the enterprise structure, and ensure that treasury management meets the management needs of the enterprise.

[0084] Furthermore, the business management module includes:

[0085] Data center, used for visual analysis of corporate capital flows and account status, to monitor treasury status in real time;

[0086] The account center is used for unified management of multi-bank and multi-currency accounts, and manages account details, balances, and receipts, and sets permissions and transaction limits for accounts based on account information;

[0087] Settlement center, supporting multiple payment methods, including batch payment, agent payment, and mixed payment;

[0088] The monitoring center is used to monitor the transaction status of each account and issue risk warnings when abnormal transactions occur;

[0089] The accounting center is used to collect and calculate the accounting data of each account in real time, and automatically generate financial statements for each account according to the preset time;

[0090] The bill center manages corporate bill business and provides bill issuance, endorsement, and discount services for various bills;

[0091] Budget center, prepares budgets for accounts at all levels according to the enterprise structure;

[0092] The business management module can add other business centers according to the actual business needs of the enterprise.

[0093] Further settlement centers include:

[0094] Single payment unit, supporting real-time payment, batch payment and agent payment instruction generation;

[0095] The linked payment unit automatically splits inter-bank payment instructions according to preset rules and routes them to the corresponding banks;

[0096] The receipt processing unit automatically captures bank receipts and associates them with corresponding accounts, automatically matching bank receipts with transaction details of corresponding accounts;

[0097] The cache unit caches payment instructions in high-concurrency payment instruction scenarios and sets cache queues based on account levels.

[0098] Further data centers include:

[0099] Funds utilization analysis unit, used to dynamically display the distribution of funds in each account and the efficiency of fund utilization;

[0100] A transaction tracking unit, which is used to mark transactions that exceed a preset threshold and associate all approval records for the transaction;

[0101] The risk assessment unit is used to conduct risk assessments on abnormal transactions warned by the monitoring center based on the fund utilization of each account and generate disposal suggestions.

[0102] The above treasury management system is used as follows: Figure 3 As shown, based on the above-mentioned treasury management system, this embodiment provides a bank treasury management method, including:

[0103] Bank users access the bank management side through channels; in the enterprise client management module, they sign on corporate customers, configure their treasury function permissions, add enterprise administrator users, and synchronize and share relevant business data.

[0104] Enterprise users access the enterprise client through the channel access module; in the enterprise management module, they manage basic enterprise information, operation logs, and configure approval processes; in the business management module, they manage enterprise accounts, payment settlements, business processing, and business monitoring operations;

[0105] The multi-bank enterprise exchange management terminal receives business requests from corporate clients, and connects to the corresponding bank interface through the protocol adapter based on the business requests of the corporate clients to realize the business requests of the corporate clients. It also realizes the real-time transmission of multi-bank enterprise exchange and inter-bank transaction instructions of corporate clients and real-time update of account data through the external adapter and encrypted communication channel.

[0106] The use of the above-mentioned treasury management system can realize the centralized management of multiple accounts of an enterprise in multiple banks, realize the real-time update of account data, break the data silos between the enterprise's accounts, and improve the efficiency of the enterprise's treasury management.

[0107] The above are merely preferred embodiments of the present invention and are not intended to limit the present invention. Those skilled in the art will readily appreciate that various modifications and variations of the present invention are possible. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of the present invention shall be included within the scope of protection of the present invention.

Claims

1. A bank treasury management system, characterized in that: include: The enterprise client is used to implement the enterprise's internal treasury management functions. The enterprise client includes: Channel access module supports enterprise users to access through multiple terminals such as PC-Web terminal, mobile terminal and enterprise information system; Business management module, used for enterprise account management, payment settlement, business processing and business monitoring; The enterprise management module is used to manage basic enterprise information, system operation logs, enterprise organizational structure, enterprise user information, enterprise custom parameters, and configure approval processes; Among them, the real-time transmission of transaction instructions between corporate clients and the bank, the real-time update of account data, or the connection between internal business centers and capability centers are achieved through inline adapters. The inline adapters have the ability to flexibly switch and configure different versions of different interfaces and messages to achieve efficient interconnection. The bank management side, as the platform's operational hub, is responsible for the closed-loop management of corporate customers. The bank management side includes: The channel access module supports multi-terminal access of bank management users through PC, Web, and mobile terminals; Internal management module, used to manage basic bank information, system operation logs, bank organizational structure, bank user information, and configure approval processes; The enterprise client management module is used to manage the onboarding and contract signing of enterprise clients, configure their treasury function permissions, and synchronize and share relevant business data; The multi-bank enterprise exchange management terminal is used to establish communication between enterprise clients and bank systems to achieve cross-bank business collaboration. The multi-bank enterprise exchange management terminal includes: Multi-bank access module, directly connected to multiple bank interfaces through protocol adapters; Inter-bank interaction module, which enables real-time update of account data through inter-bank interfaces; The enterprise client is connected to the multi-bank enterprise exchange management terminal through an external adapter and an encrypted communication channel to achieve real-time transmission of inter-bank transaction instructions and real-time update of account data.

2. The treasury management system according to claim 1, characterized in that: The enterprise management module includes: The enterprise information management unit is used to manage enterprise organizations, departments, and user information according to the enterprise structure, and to set permissions for accounts at each level according to the enterprise structure; Log management unit, used to record user operations and all events of enterprise clients; The control center is used to manage the parameters and permissions of each module of the enterprise client, and configure hierarchical relationships and approval processes for accounts.

3. The treasury management system according to claim 1, characterized in that: The business management module includes: Data center, used for visual analysis of corporate capital flows and account status, to monitor treasury status in real time; The account center is used for unified management of multi-bank and multi-currency accounts, and manages account details, balances, and receipts, and sets permissions and transaction limits for accounts based on account information; Settlement center, supporting multiple payment methods, including batch payment, agent payment, and mixed payment; The monitoring center is used to monitor the transaction status of each account and issue risk warnings when abnormal transactions occur.

4. The treasury management system according to claim 3, characterized in that: The settlement center includes: Single payment unit, supporting real-time payment, batch payment and agent payment instruction generation; The linked payment unit automatically splits inter-bank payment instructions according to preset rules and routes them to the corresponding banks; The receipt processing unit automatically captures bank receipts and associates them with the corresponding accounts; The cache unit caches payment instructions in high-concurrency payment instruction scenarios and sets cache queues based on account levels.

5. The treasury management system according to claim 3, characterized in that: The data center includes: Funds utilization analysis unit, used to dynamically display the distribution of funds in each account and the efficiency of fund utilization; A transaction tracking unit, which is used to mark transactions that exceed a preset threshold and associate all approval records for the transaction; The risk assessment unit is used to conduct risk assessments on abnormal transactions warned by the monitoring center based on the fund utilization of each account and generate disposal suggestions.

6. The treasury management system according to claim 3, characterized in that: The business management module also includes: The accounting center collects and calculates the accounting data of each account in real time, and automatically generates financial statements for each account according to the preset time.

7. The treasury management system according to claim 1, characterized in that: The multi-bank access module supports HTTP and dedicated line communication protocols.

8. The treasury management system according to claim 7, characterized in that: The multi-bank access module automatically switches the message format and encrypted communication mode according to the target bank interface type.

9. The treasury management system according to claim 1, characterized in that: The system adopts a distributed microservice architecture, and each module of the enterprise client, the bank management terminal and the multi-bank enterprise exchange management terminal adopts parameterized design. The channel access modules of the enterprise client, the bank management terminal and the multi-bank enterprise exchange management terminal are constructed using the vue, elementuUi and smartUi development frameworks.

10. A bank treasury management method, based on the treasury management system according to any one of claims 1 to 9, characterized in that: include: Bank users access the bank management terminal through channels; In the Enterprise Client Management module, sign and register enterprise clients, configure their treasury function permissions, add enterprise administrator users, and synchronize and share relevant business data. Enterprise users access the enterprise client through the channel access module; In the enterprise management module, basic enterprise information management, operation log management, and approval process configuration are performed; In the business management module, perform enterprise account management, payment settlement, business processing and business monitoring operations; The multi-bank enterprise direct connection management terminal receives the business requests of the enterprise client and connects to the corresponding bank interface through the protocol adapter according to the business requests of the enterprise client to realize the real-time transmission of the enterprise client's inter-bank transaction instructions and the real-time update of account data.

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