Credit and loan institution settlement account merging management method and system

Abstract

The invention provides a credit business institution settlement account merging management method and system, and relates to the technical field of credit business institution settlement, and the method comprises the steps: obtaining each preset user, so as to obtain a preset user list A; according to A, determining a virtual sub-account corresponding to each preset user to obtain a virtual sub-account list set B corresponding to A; obtaining a to-be-recognized text TX; b is traversed, and if the TX and the preset virtual account information corresponding to the Bi, j conform to a preset standard matching rule, the current balance of the Bi, j is updated according to the transfer amount corresponding to the TX; according to the method and the system, unified management of multiple different types of tasks can be realized, and the process of opening and managing accounts is simplified and becomes relatively complex, so that the processing efficiency of related services is improved.

Description

Technical Field

[0001] The present invention relates to the technical field of credit business institution settlement, and in particular to a method and system for merging and managing settlement accounts of credit business institutions. Background Art

[0002] In the field of financial credit, under normal circumstances, a target financial institution, such as a bank, will have multiple partner institutions with credit business. At the same time, a partner institution will be involved in many different business settlement scenarios. For different partner institutions and different settlement scenarios, the target financial institution needs to open many different public accounts. However, with the increase in partner institutions, the process of opening and managing accounts has become more complicated, resulting in low efficiency in related business processing. Summary of the invention

[0003] In view of the above technical problems, the technical solution adopted by the present invention is: According to a first aspect of the present application, a method for consolidated management of settlement accounts of a credit business institution is provided, the method comprising the following steps: S100, obtaining each preset user to obtain a preset user list A=(A1, A2, ..., A i , …, A n ), i=1, 2,...,n; among them, A i is the i-th preset user, and n is the number of preset users; S200, according to A, determine the virtual sub-account corresponding to each preset user, so as to obtain a virtual sub-account list set B corresponding to A = (B1, B2, ..., B i , …, B n ); where B i A i Corresponding virtual sub-account list; B i =(B i，1 , B i，2 , …, B i，j , …, B i，f（i） ), j=1,2,…,f(i);B i，j A i The corresponding j-th virtual sub-account, f(i) is A i The number of corresponding virtual sub-accounts; each virtual sub-account corresponds to a type of task; S300, obtaining a text TX to be recognized; wherein TX is sent by any preset user; S400, traverse B, if TX and B i，j If the corresponding preset virtual account information meets the preset standard matching rules, B will be updated according to the transfer amount corresponding to TX. i，j The current balance.

[0004] Furthermore, step S400 includes the following steps: S410, obtain B i，j The corresponding preset character mark D i，j _1; among them, D i，j _1 is used to characterize B i，j The corresponding task type; S420, if TX=D i，j _1, then update B according to the transfer amount corresponding to TX i，j The current balance.

[0005] Furthermore, after step S420, the method further includes the following steps: S430, if TX≠D i，j _1, then get D i，j _1 corresponds to the key string GD i，j _1; among them, GD i，j _1 is D i，j Several consecutive strings in _1; S440, obtaining each to-be-compared string corresponding to TX, so as to obtain a to-be-compared string list DX corresponding to TX = (DX1, DX2, ..., DX r , …, DX s ), r = 1, 2, …, s; where DX r is the rth string to be compared corresponding to TX, s is the number of strings to be compared corresponding to TX; DX r TX medium length and GD i，j _1 The same continuous string; S450, if GD i，j _1∈DX1, then update B according to the transfer amount corresponding to TX i，j The current balance.

[0006] Furthermore, after step S400, the method further includes the following steps: S500, if TX and B i，j If the corresponding preset virtual account information does not meet the preset standard matching rules, the account ZX corresponding to TX is obtained; S510, traverse B, if ZB i，j = ZX, then update B according to the transfer amount corresponding to TX i，j The current balance; otherwise, get the account name HX corresponding to TX; S520, traverse B, if HB i，j =HX, then update B according to the transfer amount corresponding to TX i，j Current balance; otherwise, add the TX to the preset exception list.

[0007] Furthermore, after step S400, the method further includes the following steps: S600, obtaining the balance of the real account corresponding to each preset user to obtain a real account balance list E=(E1, E2, ..., E i ,…,E n ); where E i A i The balance of the corresponding real account; S610, obtaining the balance of each virtual sub-account corresponding to each preset user to obtain a virtual sub-account balance list F=(F1, F2, ..., F i , …, F n ); where F i A i Corresponding virtual sub-account balance list; F i =(F i，1 , F i，2 , …, F i，j , …, F i，f（i） ); F i，j For B i，j The corresponding balance; S620, if E i =∑ f（i） j=1 F i，j , then determine A i The corresponding real account is normal; otherwise, determine A i The corresponding real account is abnormal.

[0008] Furthermore, the transfer amount corresponding to TX is updated according to B i，j Current balance, including: S401, if the task type corresponding to TX is the first task type, then B i，j The current balance plus the amount corresponding to TX; S402: If the task type corresponding to TX is the second task type, then i，j The current balance minus the amount corresponding to TX; wherein the first task type and the second task type are different.

[0009] According to another aspect of the present application, a system for consolidated management of settlement accounts of a credit business institution is also provided, the system comprising: The preset user acquisition module is used to acquire each preset user to obtain a preset user list A=(A1, A2, ..., A i , …, A n ), i=1, 2,...,n; among them, A i is the i-th preset user, and n is the number of preset users; The virtual sub-account determination module is used to determine the virtual sub-account corresponding to each preset user according to A, so as to obtain the virtual sub-account list set B corresponding to A = (B1, B2, ..., B i , …, B n ); where B i A i Corresponding virtual sub-account list; B i =(B i，1 , B i，2 , …, B i，j , …, B i，f（i） ), j=1,2,…,f(i);B i，j A i The corresponding j-th virtual sub-account, f(i) is A i The number of corresponding virtual sub-accounts; each virtual sub-account corresponds to a type of task; The module for obtaining text to be recognized is used to obtain text TX to be recognized; wherein TX is sent by any preset user; Balance update module, used to traverse B, if TX and B i，j If the corresponding preset virtual account information meets the preset standard matching rules, B will be updated according to the transfer amount corresponding to TX. i，j The current balance.

[0010] The present invention has at least the following beneficial effects: The method for merging and managing the settlement accounts of a credit business institution of the present invention comprises the following steps: obtaining each preset user to obtain a preset user list A; determining the virtual sub-account corresponding to each preset user according to A to obtain a virtual sub-account list set B corresponding to A; obtaining a text TX to be identified; wherein TX is sent by any preset user; traversing B, if TX is identical to B i，j If the corresponding preset virtual account information meets the preset standard matching rules, B will be updated according to the transfer amount corresponding to TX. i，j Current balance; In the present invention, a number of virtual sub-accounts are set for the real account of each preset user, and each virtual sub-account corresponds to a type of task, so that the balance of the virtual sub-account is updated according to the text to be recognized sent by the preset user, thereby realizing unified management of many different types of tasks, simplifying the process of opening and managing accounts, and improving the efficiency of related business processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0012] Figure 1 A flowchart of a method for merging and managing settlement accounts of a credit business institution provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0013] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only 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 those skilled in the art without creative work are within the scope of protection of the present invention.

[0014] It should be noted that, based on the present disclosure, those skilled in the art should understand that an aspect described herein can be implemented independently of any other aspect, and two or more of these aspects can be combined in various ways. For example, any number of aspects described herein can be used to implement a device and / or practice a method. In addition, other structures and / or functionalities other than one or more of the aspects described herein can be used to implement this device and / or practice this method.

[0015] The following will refer to Figure 1 The flowchart of the method for merging and managing the settlement accounts of a credit business institution is shown, which introduces a method for merging and managing the settlement accounts of a credit business institution.

[0016] The method for merging and managing settlement accounts of a credit business institution may include the following steps: S100, obtaining each preset user to obtain a preset user list A=(A1, A2, ..., A i , …, A n ), i=1, 2,...,n; among them, A i is the i-th preset user, and n is the number of preset users.

[0017] In this embodiment, the target financial institution usually corresponds to multiple customers, namely preset users; for each preset user, a corresponding real account can be established.

[0018] S200, according to A, determine the virtual sub-account corresponding to each preset user, so as to obtain a virtual sub-account list set B corresponding to A = (B1, B2, ..., B i , …, B n ); where B i A i Corresponding virtual sub-account list; B i =(B i，1 , B i，2 , …, B i，j , …, Bi，f（i） ), j=1,2,…,f(i);B i，j A i The corresponding j-th virtual sub-account, f(i) is A i The number of corresponding virtual sub-accounts; each virtual sub-account corresponds to a type of task.

[0019] In this embodiment, each preset user will have several different types of tasks, and different types of tasks can be understood as different types of businesses, such as credit business, insurance business, etc.; a virtual sub-account can be set for one type of task; the virtual sub-account is associated with the corresponding real account.

[0020] S300, obtaining a text TX to be recognized; wherein TX is sent by any preset user.

[0021] In this embodiment, any preset user can send a text to be recognized TX to the target financial institution. The text to be recognized is in the form of a character string. For example, the text to be recognized corresponding to the claim settlement business is LP001.

[0022] S400, traverse B, if TX and B i，j If the corresponding preset virtual account information meets the preset standard matching rules, B will be updated according to the transfer amount corresponding to TX. i，j The current balance.

[0023] Further, step S400 may include the following steps: S410, obtain B i，j The corresponding preset character mark D i，j _1; among them, D i，j _1 is used to characterize B i，j The corresponding task type.

[0024] In this embodiment, when setting up a virtual sub-account, a corresponding preset character identifier will be set for the corresponding business type, and B i，j The corresponding preset character mark D i，j _1.

[0025] S420, if TX=D i，j _1, then update B according to the transfer amount corresponding to TX i，j The current balance.

[0026] In this embodiment, if TX=D i，j _1, indicating that the special characters in the text to be recognized completely match the preset character identifier, then B is updated according to the transfer amount corresponding to TX i，j The current balance, specifically, updates B according to the transfer amount corresponding to TX i，jCurrent balance, including: S401, if the task type corresponding to TX is the first task type, then B i，j The current balance plus the amount corresponding to TX.

[0027] S402: If the task type corresponding to TX is the second task type, then i，j The current balance minus the amount corresponding to TX; wherein the first task type and the second task type are different.

[0028] In this embodiment, TX corresponds to tasks of the type of account entry and tasks of the type of account withdrawal. The first task type is the type of account entry, and the second task type is the type of account withdrawal. i，j The current balance is updated accordingly.

[0029] Furthermore, after step S420, the method further includes the following steps: S430, if TX≠D i，j _1, then get D i，j _1 corresponds to the key string GD i，j _1; among them, GD i，j _1 is D i，j Several consecutive strings in _1.

[0030] In this embodiment, if TX≠D i，j _1, indicating that TX cannot communicate with B i，j The corresponding virtual sub-account information is completely matched. In this case, it is possible that the preset user has filled in the wrong TX and further judgment is required; the key string can be understood as a shorter string, and the key string can directly determine the corresponding business type.

[0031] S440, obtaining each to-be-compared string corresponding to TX, so as to obtain a to-be-compared string list DX corresponding to TX = (DX1, DX2, ..., DX r , …, DX s ), r = 1, 2, …, s; where DX r is the rth string to be compared corresponding to TX, s is the number of strings to be compared corresponding to TX; DX r TX medium length and GD i，j _1 The same continuous string.

[0032] In this embodiment, TX can be divided into a number of consecutive strings to be compared, and the length of each string to be compared is the same as D i，j _1 has the same length.

[0033] S450, if GD i，j_1∈DX1, then update B according to the transfer amount corresponding to TX i，j The current balance.

[0034] In this embodiment, if GD i，j _1∈DX1, indicating TX and B i，j If the corresponding virtual sub-account information matches, update B according to the transfer amount corresponding to TX. i，j The current balance.

[0035] Furthermore, after step S400, the method further includes the following steps: S500, if TX and B i，j If the corresponding preset virtual account information does not meet the preset standard matching rules, the account ZX corresponding to TX is obtained.

[0036] S510, traverse B, if ZB i，j = ZX, then update B according to the transfer amount corresponding to TX i，j The current balance; otherwise, get the account name HX corresponding to TX.

[0037] S520, traverse B, if HB i，j =HX, then update B according to the transfer amount corresponding to TX i，j Current balance; otherwise, add the TX to the preset exception list.

[0038] In this embodiment, when the text to be compared cannot be matched, the account and account name corresponding to TX can be further matched. If the account or account name can be matched, B can also be updated according to the transfer amount corresponding to TX. i，j The current balance can ensure the matching success rate to the greatest extent and improve processing efficiency.

[0039] The text to be recognized in the exception list can be corrected manually, and then the corrected text to be recognized is recognized again by the method in this application.

[0040] Furthermore, after step S400, the method further includes the following steps: S600, obtaining the balance of the real account corresponding to each preset user to obtain a real account balance list E=(E1, E2, ..., E i ,…,E n ); where E i A i The corresponding real account balance.

[0041] S610, obtaining the balance of each virtual sub-account corresponding to each preset user to obtain a virtual sub-account balance list F=(F1, F2, ..., F i , …, Fn ); where F i A i Corresponding virtual sub-account balance list; F i =(F i，1 , F i，2 , …, F i，j , …, F i，f（i） ); F i，j For B i，j The corresponding balance.

[0042] S620, if E i =∑ f（i） j=1 F i，j , then determine A i The corresponding real account is normal; otherwise, determine A i The corresponding real account is abnormal.

[0043] In this embodiment, after the balance of the virtual sub-account is updated, the above steps can further verify whether the balance of the real account is consistent with that of all corresponding virtual sub-accounts, thereby ensuring that there is no abnormality in the balance of the real account.

[0044] The method for merging and managing the settlement accounts of a credit business institution of this embodiment obtains each preset user to obtain a preset user list A; according to A, determines the virtual sub-account corresponding to each preset user to obtain a virtual sub-account list set B corresponding to A; obtains a text to be recognized TX; wherein TX is sent by any preset user; traverses B, and if TX is consistent with B i，j If the corresponding preset virtual account information meets the preset standard matching rules, B will be updated according to the transfer amount corresponding to TX. i，j Current balance; In the present invention, a number of virtual sub-accounts are set for the real account of each preset user, and each virtual sub-account corresponds to a type of task, so that the balance of the virtual sub-account is updated according to the text to be recognized sent by the preset user, thereby realizing unified management of many different types of tasks, simplifying the process of opening and managing accounts, and improving the efficiency of related business processing.

[0045] In an exemplary embodiment, a system for consolidated management of settlement accounts of a credit business institution is provided, the system comprising: The preset user acquisition module is used to acquire each preset user to obtain a preset user list A=(A1, A2, ..., A i , …, A n ), i=1, 2,...,n; among them, A i is the i-th preset user, and n is the number of preset users.

[0046] The virtual sub-account determination module is used to determine the virtual sub-account corresponding to each preset user according to A, so as to obtain the virtual sub-account list set B corresponding to A = (B1, B2, ..., B i , …, B n ); where B i A i Corresponding virtual sub-account list; B i =(B i，1 , B i，2 , …, B i，j , …, B i，f（i） ), j=1,2,…,f(i);B i，j A i The corresponding j-th virtual sub-account, f(i) is A i The number of corresponding virtual sub-accounts; each virtual sub-account corresponds to a type of task.

[0047] The module for obtaining text to be recognized is used to obtain text TX to be recognized; wherein TX is sent by any preset user.

[0048] Balance update module, used to traverse B, if TX and B i，j If the corresponding preset virtual account information meets the preset standard matching rules, B will be updated according to the transfer amount corresponding to TX. i，j The current balance.

[0049] In addition, although the steps of the method in the present disclosure are described in a specific order in the drawings, this does not require or imply that the steps must be performed in this specific order, or that all the steps shown must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps, etc.

[0050] An embodiment of the present invention also provides a non-transitory computer-readable storage medium, which can be set in an electronic device to store at least one instruction or at least one program related to implementing a method in a method embodiment. The at least one instruction or the at least one program is loaded and executed by the processor to implement the method provided in the above embodiment.

[0051] The program product may adopt any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples (non-exhaustive list) of readable storage media include: an electrical connection with one or more wires, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above.

[0052] Computer readable signal media may include data signals propagated in baseband or as part of a carrier wave, in which readable program code is carried. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Readable signal media may also be any readable medium other than a readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0053] The program code embodied on the readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the foregoing.

[0054] Program code for performing the operations of the present application may be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java, C++, etc., and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user computing device, partially on the user device, as a separate software package, partially on the user computing device and partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (e.g., using an Internet service provider to connect through the Internet).

[0055] An embodiment of the present invention further provides an electronic device, comprising a processor and the aforementioned non-transitory computer-readable storage medium.

[0056] The electronic device is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0057] The electronic device is presented in the form of a general-purpose computing device. The components of the electronic device may include, but are not limited to: the at least one processor mentioned above, the at least one memory mentioned above, and a bus connecting different system components (including the memory and the processor).

[0058] The memory stores program codes, which can be executed by the processor, so that the processor executes the steps in various embodiments described in this specification.

[0059] The memory may include readable media in the form of volatile memory, such as random access memory (RAM) and / or cache memory, and may further include read only memory (ROM).

[0060] The memory may also include a program / utility having a set (at least one) of program modules, such program modules including but not limited to: an operating system, one or more application programs, other program modules and program data, each of which or some combination may include an implementation of a network environment.

[0061] The bus may represent one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, or a local bus using any of a variety of bus architectures.

[0062] The electronic device may also communicate with one or more external devices (e.g., keyboards, pointing devices, Bluetooth devices, etc.), may communicate with one or more devices that enable a user to interact with the electronic device, and / or may communicate with any device (e.g., routers, modems, etc.) that enables the electronic device to communicate with one or more other computing devices. Such communication may be performed through an input / output (I / O) interface. Furthermore, the electronic device may also communicate with one or more networks (e.g., local area networks (LANs), wide area networks (WANs), and / or public networks, such as the Internet) through a network adapter. The network adapter communicates with other modules of the electronic device through a bus. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, etc.

[0063] Through the description of the above implementation, it is easy for those skilled in the art to understand that the example implementation described here can be implemented by software, or by software combined with necessary hardware. Therefore, the technical solution according to the implementation of the present disclosure can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, including several instructions to enable a computing device (which can be a personal computer, a server, a terminal device, or a network device, etc.) to execute the method according to the implementation of the present disclosure.

[0064] An embodiment of the present invention further provides a computer program product, which includes program code. When the program product is run on an electronic device, the program code is used to enable the electronic device to execute the steps of the method according to various exemplary embodiments of the present invention described above in this specification.

[0065] Although some specific embodiments of the present invention have been described in detail by way of example, it should be understood by those skilled in the art that the above examples are only for illustration, not for limiting the scope of the present invention. It should also be understood by those skilled in the art that various modifications may be made to the embodiments without departing from the scope and spirit of the present invention.

Claims

1. A method for merging and managing settlement accounts of a credit business institution, characterized in that: The method comprises the following steps: S100, obtaining each preset user to obtain a preset user list A=(A1, A2, ..., A i , …, A n ), i=1, 2,...,n; among them, A i is the i-th preset user, and n is the number of preset users; S200, according to A, determine the virtual sub-account corresponding to each preset user, so as to obtain a virtual sub-account list set B corresponding to A = (B1, B2, ..., B i , …, B n ); where B i A i Corresponding virtual sub-account list; B i =(B i，1 , B i，2 , …, B i，j , …, B i，f（i） ), j=1,2,…,f(i);B i，j A i The corresponding j-th virtual sub-account, f(i) is A i The number of corresponding virtual sub-accounts; each virtual sub-account corresponds to a type of task; S300, obtaining a text TX to be recognized; wherein TX is sent by any preset user; S400, traverse B, if TX and B i，j If the corresponding preset virtual account information meets the preset standard matching rules, B will be updated according to the transfer amount corresponding to TX. i，j The current balance.

2. The method for merging and managing settlement accounts of a credit business institution according to claim 1, characterized in that: Step S400 includes the following steps: S410, obtain B i，j The corresponding preset character mark D i，j _1; among them, D i，j _1 is used to characterize B i，j The corresponding task type; S420, if TX=D i，j _1, then update B according to the transfer amount corresponding to TX i，j The current balance.

3. The method for merging and managing settlement accounts of a credit business institution according to claim 2, characterized in that: After step S420, the method further includes the following steps: S430, if TX≠D i，j _1, then get D i，j _1 corresponds to the key string GD i，j _1; among them, GD i，j _1 is D i，j Several consecutive strings in _1; S440, obtaining each to-be-compared string corresponding to TX, so as to obtain a to-be-compared string list DX corresponding to TX = (DX1, DX2, ..., DX r , …, DX s ), r = 1, 2, …, s; where DX r is the rth string to be compared corresponding to TX, s is the number of strings to be compared corresponding to TX; DX r TX medium length and GD i，j _1 The same continuous string; S450, if GD i，j _1∈DX1, then update B according to the transfer amount corresponding to TX i，j The current balance.

4. The method for merging and managing settlement accounts of a credit business institution according to claim 3, characterized in that: After step S400, the method further comprises the following steps: S500, if TX and B i，j If the corresponding preset virtual account information does not meet the preset standard matching rules, the account ZX corresponding to TX is obtained; S510, traverse B, if ZB i，j = ZX, then update B according to the transfer amount corresponding to TX i，j The current balance; otherwise, get the account name HX corresponding to TX; S520, traverse B, if HB i，j =HX, then update B according to the transfer amount corresponding to TX i，j Current balance; otherwise, add the TX to the preset exception list.

5. According to the method for merging and managing the settlement accounts of a credit business institution according to claim 1, it is characterized in that: After step S400, the method further comprises the following steps: S600, obtaining the balance of the real account corresponding to each preset user to obtain a real account balance list E=(E1, E2, ..., E i ,…,E n ); where E i A i The balance of the corresponding real account; S610, obtaining the balance of each virtual sub-account corresponding to each preset user to obtain a virtual sub-account balance list F=(F1, F2, ..., F i , …, F n ); where F i A i Corresponding virtual sub-account balance list; F i =(F i，1 , F i，2 , …, F i，j , …, F i，f（i） ); F i，j For B i，j The corresponding balance; S620, if E i =∑ f（i） j=1 F i，j , then determine A i The corresponding real account is normal; otherwise, determine A i The corresponding real account is abnormal.

6. The method for merging and managing settlement accounts of a credit business institution according to claim 1, characterized in that: The transfer amount corresponding to TX is updated according to B i，j Current balance, including: S401, if the task type corresponding to TX is the first task type, then B i，j The current balance plus the amount corresponding to TX; S402: If the task type corresponding to TX is the second task type, then i，j The current balance minus the amount corresponding to TX; wherein the first task type and the second task type are different.

7. A system for consolidated management of settlement accounts of credit business institutions, characterized in that: The system comprises: The preset user acquisition module is used to acquire each preset user to obtain a preset user list A=(A1, A2, ..., A i , …, A n ), i=1, 2,...,n; among them, A i is the i-th preset user, and n is the number of preset users; The virtual sub-account determination module is used to determine the virtual sub-account corresponding to each preset user according to A, so as to obtain the virtual sub-account list set B corresponding to A = (B1, B2, ..., B i , …, B n ); where B i A i Corresponding virtual sub-account list; B i =(B i，1 , B i，2 , …, B i，j , …, B i，f（i） ), j=1,2,…,f(i);B i，j A i The corresponding j-th virtual sub-account, f(i) is A i The number of corresponding virtual sub-accounts; each virtual sub-account corresponds to a type of task; The module for obtaining text to be recognized is used to obtain text TX to be recognized; wherein TX is sent by any preset user; Balance update module, used to traverse B, if TX and B i，j If the corresponding preset virtual account information meets the preset standard matching rules, B will be updated according to the transfer amount corresponding to TX. i，j The current balance.

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