Housing accumulation fund business account-arriving fund matching method

Abstract

The invention provides a housing accumulation fund account fund matching method, which can reduce the difficulty of fund and business matching and improve the housing accumulation fund digital business management efficiency. The method comprises the following steps: on the basis that a public accumulation fund center business system is directly connected with a settlement system of the ministry of construction of housing and establishes a direct connection electronic payment channel with an entrusting bank, opening a large number of virtual sub-accounts under a basic collection bank account of housing public accumulation fund; and after a maintenance table is established according to a one-to-one mapping relationship between the housing public accumulation fund service number (or unit number) and the virtual sub-account, searching the corresponding public accumulation fund service through account transfer notification information of a settlement platform of the ministry of housing construction, and realizing automatic matching of the housing public accumulation fund service account-in funds. According to the method, the exclusive bank account is generated for each business (or each unit) under the driving of the business, each account is associated with the specific business, the account is automatically matched and associated with the business after receiving the fund, and the fund receiving efficiency and the service efficiency of a public accumulation fund center can be greatly improved.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method for matching funds received in housing provident fund business. Background Art

[0002] According to the "Regulations on Housing Provident Fund Management," employers must remit housing provident fund contributions and payments made on behalf of employees into a dedicated housing provident fund account within five days of the monthly salary payment date. The funds will then be credited to the employee's housing provident fund account by the entrusted bank. Furthermore, according to regulatory requirements, provident fund centers may only open one basic account at a single bank. Housing provident fund centers in various cities serve numerous contributing units, with large amounts of funds flowing into basic accounts daily. Traditionally, housing provident fund centers identify the source and nature of the funds by using the bank account or transfer notes of the transferring unit. However, because transferring units may transfer funds through multiple bank accounts or transfer notes may not be received, housing provident fund centers face a significant amount of unmatched transfer funds each month. Many housing provident fund centers nationwide must manually match incoming funds with provident fund transactions, a time-consuming and labor-intensive process that poses risks to fund security and impacts the efficiency of contributing employees.

[0003] The present invention discloses a method for matching funds received from provident fund transactions. By leveraging the direct settlement connection system provided by the Ministry of Housing and Urban-Rural Development, housing provident fund centers can open dedicated virtual sub-accounts at their primary account opening banks, allowing contributing units or individuals to select any bank account in their name to handle provident fund contributions, loan repayments, and other transactions related to the receipt of funds by the provident fund center. Contributing units or individuals do not need to visit the provident fund center in advance to maintain bank account information or fill out transfer notes. After receiving transaction funds, the provident fund center can automatically achieve 100% matching with provident fund transactions without manual intervention. This method generates dedicated bank accounts for each transaction (or each unit) driven by the business, and each account is associated with a specific transaction. Upon receiving funds, the account is automatically matched with the transaction, significantly improving the efficiency of the provident fund center in receiving funds and providing services. Summary of the Invention

[0004] Given the above background, it is necessary to address the above technical issues and provide a method, device, computer equipment, and storage medium for matching incoming housing provident fund funds, which can reduce the difficulty of matching funds with services and improve the efficiency of digital housing provident fund business management. The present invention adopts the following technical solution: Based on the establishment of a direct electronic payment channel between the provident fund center business system and the Ministry of Housing and Urban-Rural Development settlement system and the entrusted bank, a large number of virtual sub-accounts are opened under the basic housing provident fund receiving bank account. After establishing a maintenance table based on the one-to-one mapping relationship between housing provident fund business numbers (or unit numbers) and virtual sub-accounts, the corresponding provident fund business is searched through the account change notification information of the Ministry of Housing and Urban-Rural Development settlement platform to achieve automatic matching of incoming housing provident fund business funds.

[0005] A method for handling provident fund funds, the specific steps are as follows: Step 1: Respond to business requests related to receiving funds, such as provident fund unit contributions, individual contributions, and cash repayments, and obtain housing provident fund business serial number, business type, user information, amount, entrusted bank account number, and bound virtual account number (for cancellation only); Step 2: Query the mapping relationship table to determine whether the housing provident fund business has a bound bank virtual sub-account. If so, directly return the virtual sub-account information. If not, generate the proposed virtual sub-account number and opening (cancellation) requirements based on the bank information and business type. Step 3: Send a request message to the entrusted bank to open (or cancel) a virtual sub-account as required; Step 4: The provident fund business system receives the result information of the virtual sub-account opening or cancellation returned by the entrusted bank. If successful, a mapping relationship table is established (cancelled) between the returned bank virtual sub-account number and the housing provident fund business number. If unsuccessful, a mapping table is established between the central basic account and the provident fund business number, and an alarm message is recorded and sent. If the cancellation fails, an alarm message is recorded and sent. Step 5: After successfully applying for a virtual account, you need to register the virtual sub-account on the settlement platform of the Ministry of Housing and Urban-Rural Development and enable the fund transfer function. After successfully unbinding the virtual sub-account, you need to cancel the registration of the virtual sub-account on the settlement platform of the Ministry of Housing and Urban-Rural Development; Step 6: Notify the transferee of the virtual sub-account information, transfer amount, and bank affiliation used for this fund transfer. The transferee then transfers funds to the virtual sub-account via bank counters, online banking, etc. Step 7: Receive the virtual sub-account arrival notification information fed back by the settlement platform of the Ministry of Housing and Urban-Rural Development, and complete the matching of the provident fund special account fund arrival information with the provident fund business through the mapping relationship between the virtual sub-account number and the business serial number. After the matching is completed, based on the preset reminder configuration, push the fund import event to the responsible party to remind the recipient of the arrival of the funds.

[0006] The present application provides a housing provident fund payment device, which includes: an information acquisition module, an account management module, a settlement registration module, and a fund matching module, wherein: Information acquisition module, which obtains business requests for matching funds or canceling virtual accounts; The account management module interprets business requests as virtual account management requirements and applies to the relevant entrusted bank to open or cancel virtual sub-accounts. Based on the information returned by the bank, it establishes (or cancels) the mapping relationship between the virtual sub-account and the housing provident fund business according to business rules. The settlement registration module is used to complete the registration (or cancellation) of the settlement function of the virtual sub-account on the National Housing Provident Fund Settlement Platform; The funds matching module is used to receive notifications of fund arrival from the national housing provident fund settlement platform and match the corresponding housing provident fund business. After the matching is completed, the fund arrival information is sent to the housing provident fund business system.

[0007] The present application provides a computer device including a memory and a processor. The memory stores a computer program. When the processor executes the computer program, the following steps are implemented: Respond to housing provident fund business fund receiving requests, obtain relevant information on receiving funds, generate requirements for opening virtual accounts according to business needs, and submit applications to the entrusted bank; Based on the information returned by the bank, a matching pool of mapping relationships between virtual accounts and provident fund businesses is established; Register a virtual account on the Housing Provident Fund Settlement Platform and enable the account arrival notification function; According to the notification of funds arrival, use the virtual bank account number of the funds to find the housing provident fund payment business.

[0008] The present application provides a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, the following steps are implemented: Respond to housing provident fund business fund receiving requests, obtain relevant information on receiving funds, generate requirements for opening virtual accounts according to business needs, and submit applications to the entrusted bank; Based on the information returned by the bank, a matching pool of mapping relationships between virtual accounts and provident fund businesses is established; Register a virtual account on the Housing Provident Fund Settlement Platform and enable the account arrival notification function; According to the notification of funds arrival, use the virtual bank account number of the funds to find the housing provident fund payment business.

[0009] The present invention has the following beneficial effects: Contributing units or individuals can use any bank account in their name to handle provident fund contributions, loan repayments, and other services related to the Provident Fund Center's receipt of funds. This eliminates the need to maintain bank account information or fill out transfer notes at the Provident Fund Center, and eliminates the need for manual intervention when the Provident Fund Center receives funds for these transactions. This method generates a dedicated virtual bank account for each transaction (or each unit) driven by the business, and each account is associated with a specific business. Business operators can directly transfer funds to the dedicated virtual account, and upon receiving funds, the account is automatically associated with the business. This further improves the Provident Fund Center's efficiency in receiving funds and its service, and further strengthens the security management of Provident Fund funds. BRIEF DESCRIPTION OF THE DRAWINGS

[0010] Figure 1 : Figure 1 The present invention is a flowchart of a method for matching funds received from housing provident fund business in one embodiment.

[0011] Figure 2 : Figure 2 The present invention is a structural block diagram of a method and apparatus for matching funds received by housing provident fund business in one embodiment.

[0012] Figure 3 : Figure 3 FIG. 1 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0013] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present invention.

[0014] The funds matching method provided in this application can be applied to the housing provident fund business system in the form of a plug-in tool. After the business collection event is triggered, a virtual sub-account is opened for the business, a funds arrival notification is received, and then the funds matching process steps are executed. It can also be an independent funds matching system. After the business collection event is triggered, a virtual sub-account is opened for the business, a funds arrival notification is received, and then the funds matching process steps are executed. After the matching is completed, a notification message is sent to the housing provident fund core business notification. Regardless of whether it is in the form of a plug-in tool or an independent funds matching system, the funds matching method is used to reduce the difficulty of matching funds.

[0015] In one embodiment, Figure 1 As shown, a flow chart of a housing provident fund payment matching method includes the following steps: Step S001: respond to a housing provident fund business request requiring the receipt of funds, and obtain the housing provident fund business serial number, business type, user information, amount, and basic account number of the entrusted bank account; Step S002: query the mapping relationship table to determine whether the housing provident fund business has a bound bank virtual sub-account. If so, directly return the virtual sub-account information. If not, generate the virtual sub-account number to be used and the opening (cancellation) requirements based on the bank information and business type. Step S003: Send a request message for opening (closing) a virtual sub-account to the relevant entrusted bank as required; Step S004: Receive the business information returned by the bank, bind the virtual account to the provident fund business according to the rules; notify the business handling personnel after the opening is completed.

[0016] Step S005: Register a virtual sub-account on the National Housing Provident Fund Settlement Platform and enable the account arrival notification function; Step S006: Notify the transferee of the virtual sub-account information, transfer amount, and bank affiliation used for this fund transfer. The transferee transfers funds to the virtual sub-account via bank counters, online banking, etc. Step S007: receiving the notification of account arrival from the national housing provident fund settlement platform and matching it with the corresponding housing provident fund business. After the matching is completed, the account information is sent to the housing provident fund business system.

[0017] To further explain, the object of housing provident fund collection business can be understood as housing provident fund deposit units, flexible employment depositors, or borrowers who make early repayments or other housing provident fund centers. It can be any entity and is not limited to the bank where the account is opened. The housing provident fund business number in this example is a unique business identifier generated by the housing provident fund center during the business handling process, and it will not change with time or business matters. The bank's virtual sub-account is a collection account corresponding to the provident fund business opened by the housing provident fund to the bank in accordance with its own business rules. The housing provident fund business handling unit or natural person can obtain the virtual account number after completing the housing provident fund business acceptance, and complete the business after transferring the business funds to the virtual account number.

[0018] It can be further understood that for the business entity that serves as the payment object, its payment operation is not limited to one payment name or one payment account. In this embodiment, when handling housing provident fund business, a globally unique virtual payment account is assigned to the payment object to identify the payment object and the payment business (as shown in the mapping relationship table in Table 1). When the payment object uses any payment name or any payment account to perform a payment operation, the corresponding maintenance form of the payment account and the housing provident fund business is used to search for the responsible unit and business for the payment, match the current fund import event, and execute fund claim.

[0019] Payment Object Central basic account opening bank Center basic account number Virtual Account Provident Fund Business Number XX unit XX Bank xyz xyz001 gjj001 XX people XX Bank xyz xyz002 gjj002

[0020] Although the present invention has been described in detail with reference to the aforementioned embodiments, it is still possible for those skilled in the art to modify the technical solutions described in the aforementioned embodiments, or to make equivalent substitutions for some of the technical features therein. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

[0021] In one embodiment, Figure 2 As shown, a fund matching device is provided, comprising: an information acquisition module 201, an account management module 202, a settlement registration module 203 and a fund matching module 204, wherein: Information acquisition module 201 responds to housing provident fund business requests requiring the receipt of funds, obtains the housing provident fund business serial number, business type, user information, amount, and the basic account number of the entrusted bank account, and interprets the relevant request as a request for opening a bank virtual sub-account; Account management module 202, which manages the opening and cancellation of virtual sub-accounts and maintains the mapping relationship between virtual accounts and provident fund businesses according to the rules; Settlement registration module 203, which manages the registration and cancellation of virtual sub-accounts registered on the national housing provident fund settlement platform; The account registration module 204 receives the notification of the arrival of the account from the settlement platform and searches for the provident fund business that needs to be collected according to the mapping relationship maintained in the account management module to match the current funds.

[0022] The specific definition of the fund matching device can be found in the definition of the fund matching method above and will not be repeated here. Each module in the fund matching device described above may be implemented in whole or in part through software, hardware, or a combination thereof. Each of the modules described above may be embedded in or independent of a processor in a computer device in hardware form, or may be stored in a computer device memory in software form, so that the processor can call and execute the corresponding operations of each module.

[0023] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 3 As shown. The computer device includes a processor, memory, a network interface, and a database connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The database of the computer device is used to store data for fund imports. The network interface of the computer device is used to communicate with an external terminal via a network connection. When executed by the processor, the computer program implements a fund matching method.

[0024] Those skilled in the art will understand that Figure 3 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0025] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented: Respond to the housing provident fund's request to receive business funds, obtain relevant information on receiving funds, generate the demand for opening a virtual account according to the business, and send an application to the entrusted bank; based on the information returned by the bank, establish a mapping relationship matching pool between virtual accounts and provident fund businesses; register the virtual account on the housing provident fund settlement platform and turn on the arrival notification function; based on the funds arrival notification, use the virtual bank account number to find the housing provident fund business for collection.

[0026] Those skilled in the art will appreciate that all or part of the processes in the above-described embodiments can be implemented by instructing the relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-described methods. In particular, any reference to memory, storage, database, or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory.

[0027] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0028] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present invention. It should be noted that a person skilled in the art could make various modifications and improvements without departing from the spirit of the present application, all of which fall within the scope of protection of the present application. Therefore, the scope of protection of the present patent application shall be determined by the appended claims.

Claims

1. A method for matching funds transferred from housing provident fund businesses. After establishing a maintenance table based on a one-to-one mapping relationship between housing provident fund business numbers (or unit numbers) and virtual sub-accounts, the method automatically matches funds transferred from housing provident fund businesses by searching for corresponding provident fund businesses through account movement notifications on the Ministry of Housing and Urban-Rural Development's settlement platform.

2. The virtual sub-account is applicable to the premise that the provident fund center has opened a basic bank account in a commercial bank. In accordance with certain rules, it applies to the housing provident fund entrusted bank to establish a personalized virtual sub-account for receiving transferred funds and completing automatic matching with business. The virtual sub-account can be opened or cancelled according to the management requirements of the center.

3. The method for matching funds for provident fund business transfers according to claim 1, characterized in that: The step 1 includes: responding to services related to receiving funds, such as provident fund unit payment, provident fund individual payment, cash repayment, etc., and obtaining the housing provident fund business serial number, business type, user information, amount, entrusted bank account basic account number, bound virtual account number (for cancellation only), etc.

4. The method for matching funds for provident fund business transfers according to claim 1, characterized in that: The step 2 includes: querying the mapping relationship table to determine whether the housing provident fund business has a corresponding bank virtual sub-account: if so, directly returning the virtual sub-account information; if not, generating the virtual sub-account number to be used and the opening (cancellation) requirements based on the bank information and business type.

5. The method for matching funds for provident fund business transfers according to claim 1, characterized in that: Step 3 includes: submitting an application to the entrusting bank to open (or cancel) a virtual sub-account as required. If successful, the virtual sub-account information is received; if unsuccessful, the entrusting bank's basic account is directly returned; if cancellation is required, the cancellation is carried out as requested.

6. A provident fund business transfer funds matching method according to claim 1, characterized in that: The step 4 includes: the provident fund business system receives the bank virtual sub-account opening completion notification or cancellation completion notification: if the application is successful, a mapping relationship table is established using the housing provident fund business number and the bank virtual sub-account number; if the opening fails, a mapping between the central basic account and the provident fund business number is established, and an alarm message is recorded and sent at the same time; if the cancellation fails, an alarm message is recorded and sent.

7. The method for matching funds for provident fund business transfers according to claim 1, characterized in that: Step 5 includes: the provident fund business system must register the virtual sub-account on the Ministry of Housing and Urban-Rural Development's settlement platform and enable the fund transfer function. After the virtual sub-account is successfully unbound, the registration of the virtual sub-account must be cancelled on the Ministry of Housing and Urban-Rural Development's settlement platform.

8. The method for matching funds for provident fund business transfers according to claim 1, characterized in that: The step 6 includes: notifying the transfer unit of the virtual sub-account information, transfer amount, bank affiliation, etc. used for the current fund transfer. The transfer unit transfers funds to the virtual sub-account via a bank counter, online banking, etc.

9. The method for matching funds for provident fund business transfers according to claim 1, characterized in that: The step 7 includes: the provident fund business system receives the virtual sub-account arrival notification information fed back by the settlement platform of the Ministry of Housing and Urban-Rural Development, completes the matching of the provident fund special account fund arrival information with the provident fund business through the mapping relationship between the virtual sub-account number and the business serial number, and after the matching is completed, pushes the fund import event to the collection responsible party based on the preset reminder configuration to remind the collection responsible party of the arrival of the funds.

10. A fund matching device, characterized in that: The device comprises: Information acquisition module, which obtains business requests for matching funds or canceling virtual accounts; The account management module interprets business requests as virtual account management requirements and applies to the relevant entrusted bank to open or cancel virtual sub-accounts. Based on the information returned by the bank, it establishes (or cancels) the mapping relationship between the virtual sub-account and the housing provident fund business according to business rules. The settlement registration module is used to complete the registration (or cancellation) of the settlement function of the virtual sub-account on the National Housing Provident Fund Settlement Platform; The funds matching module is used to receive notifications of fund arrival from the national housing provident fund settlement platform and match the corresponding housing provident fund business. After the matching is completed, the fund arrival information is sent to the housing provident fund business system.

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