Fund collection and transfer system and method

Abstract

The invention discloses a fund collection and transfer system and method, the system comprises a collection account setting module, a collection fund entry query module and a collection fund management module, the collection account setting module is used for checking collection account information and generating sub-account information of corresponding business, and the sub-account information is used for checking the collection account information; balance reconciliation and statistics are carried out on the collected accounts; the collection fund entry query module is used for checking the entry flow of the collection account and checking the entry flow with the bank collection account flow; and the collected fund management module is used for carrying out clearing and refund on the collected unknown fund and carrying out transfer and refund on the collected fund. According to the invention, the fund of each real estate transaction system can be managed in a unified manner, the fund of all real estate transaction services can be cleared and refund in a unified manner, and the coupling between each real estate transaction system and a bank is reduced.

Description

Technical Field

[0001] The present invention relates to the field of financial supervision technology, and in particular to a fund collection and transfer system and method. Background Art

[0002] As real estate development companies have more and more real estate projects and their real estate business continues to expand, the company's sales funds are getting bigger and bigger. In order to avoid financial risks, in the management and control of funds, the fund supervision systems of various real estate projects are interconnected with banks, and the account inflows and outflows are synchronized with the bank, realizing the control of real estate business transaction supervision accounts and the inflow and outflow management of supervision account funds.

[0003] With the increasing connection between real estate transaction systems and banks, the number of regulatory accounts and account funds is increasing, the business volume of various real estate transaction funds is increasing, and the frequent bank connection work and huge fund management have brought considerable pressure to the detection of real estate transaction systems. Summary of the invention

[0004] The purpose of the present invention is to solve the problem of unified entry and exit of regulatory funds during the connection between a business transaction system and multiple banks, avoid frequent connection between the business system and the corresponding regulatory banks, and uniformly query and supervise the entry and exit of business funds, uniformly clear and refund unknown funds generated in the business system, and issue early warnings for all funds.

[0005] The present invention is implemented by adopting the following technical scheme: a fund collection and transfer system, including a collection account establishment module, a collection fund entry query module and a collection fund management module, wherein: The collection account establishment module is used to check the collection account information, generate the sub-account information of the corresponding business, and perform balance reconciliation and statistics on the collection account; The collection fund entry query module is used to check the entry flow of the collection account and compare it with the bank collection account flow; The collected funds management module is used to clear and refund unknown collected funds, and to transfer and refund collected funds.

[0006] Furthermore, it also includes a collection fund warning module, which is used to count the funds under the collection account after the collection funds are recognized, and to issue a warning for abnormal entry.

[0007] Furthermore, the collected funds management module includes a collected unknown funds clearing module, which is used to record the unknown funds in the collected account, clear them to the corresponding real estate transaction funds system supervision account, and return the funds of unknown origin to the original route.

[0008] Furthermore, the collected funds management module also includes a collected funds transfer module, which is used to uniformly package the cleared collected account funds to generate a corresponding supervision account and transaction flow, and generate a unique identifier for the packaged transaction. The transaction business system receives the packaged flow and pushes it to the business transaction system, and then obtains the packaged flow details through the unique identifier, and then subdivides it into the transaction subject corresponding to the business transaction system.

[0009] A fund collection and transfer method is implemented based on the fund collection and transfer system described above, comprising the following steps: S1: Open a collection account; S2: Trading business system sub-account allocation and binding; S3: Collect funds and record them in the account; S4: Collect and clear unknown funds and refund; S5: Collect and transfer funds and confirm.

[0010] Furthermore, step S1 is specifically as follows: the transaction business system communicates with the collection bank, the collection account is entered into the transaction business system, the bank verifies the validity of the collection account, and inquires about the collection account transaction details and balance, and the collection bank pushes the collection sub-account.

[0011] Furthermore, step S2 is specifically as follows: the business transaction system binds the transaction sub-account according to the account entry subject, returns the sub-account information to the transaction business system, and simultaneously pushes the sub-account and the transaction subject to the collection bank.

[0012] Furthermore, step S3 is specifically as follows: the business transaction system records funds according to the transaction subject sub-account and the collection account, and the funds are recorded in the collection account. The collection bank pushes the entry flow to the business transaction system, and the entry without clear sub-account information and transaction subject information is marked as collection of unknown funds.

[0013] Furthermore, step S4 is specifically as follows: collecting the transaction records pushed by the bank and marked as unknown funds, manually sorting them into corresponding transaction sub-accounts and transaction entities, and returning the funds of unknown origin.

[0014] Furthermore, step S5 is specifically as follows: S51: The collected funds after clearing are transferred according to the account information of the transaction subject. After receiving the transfer instruction, the collecting bank transfers the funds to the corresponding transaction subject's supervision account and attaches the transfer transaction code; S52: After receiving the transferred funds, the bank supervising the transaction subject pushes the entry flow to the business transaction system. The business transaction system receives the transaction code, queries the specific clearing details of the fund collection and transfer, and enters the funds into the corresponding transaction subject.

[0015] The beneficial effects of the present invention are as follows: the present invention can unify the management of funds of various real estate transaction systems, uniformly clear and refund funds of all real estate transaction businesses, reduce the coupling between various real estate transaction systems and banks, build a unified supervision platform for real estate transaction funds, so that supervision funds are no longer handled separately by each transaction system, and can count the funds of all real estate transaction businesses, providing more convenient support for the detection of real estate transaction systems. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. 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 the structures shown in these drawings without paying creative work.

[0017] Figure 1 It is a flow chart of the present invention. DETAILED DESCRIPTION

[0018] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the 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. Generally, the components of the embodiments of the present invention described and shown in the drawings here can be arranged and designed in various different configurations.

[0019] It should be noted that similar reference numerals and letters denote similar items in the following drawings, and therefore, once an item is defined in one drawing, further definition and explanation thereof is not required in subsequent drawings.

[0020] Some embodiments of the present invention are described in detail below in conjunction with the accompanying drawings. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.

[0021] A fund collection and transfer system includes a collection account establishment module, a collection fund entry query module, a collection unknown fund settlement module, a collection fund transfer module and a collection fund early warning module, wherein: The collection account establishment module is interconnected with the collection bank to check the collection account information, generate sub-account information for the corresponding business, and perform balance reconciliation and statistics on the collection account.

[0022] In the collected funds entry query module, the real estate transaction funds business system enters the funds in the supervision account into the collection account uniformly, verifies the entry flow of the collection account, and proofreads it with the bank collection account flow.

[0023] The module for clearing unknown funds collects and records unknown funds in the account and clears them to the corresponding supervision account of the real estate transaction fund system. Subsequent funds deposited into the supervision account no longer need to be cleared, and funds of unknown origin are returned via the original route.

[0024] The fund collection and transfer module clears the funds in the collection account and packages them uniformly to generate a corresponding regulatory account and transaction flow, and generates a unique identifier for the packaged transaction. The transaction business system receives the packaged flow and pushes it to the business transaction system. After obtaining the packaged flow details through the unique identifier, it is subdivided into the transaction entities corresponding to the business transaction system.

[0025] The fund collection warning module counts the funds under the collection account after the collected funds are credited, and warns of abnormal credits.

[0026] See also Figure 1 A fund collection and transfer method is implemented based on the fund collection and transfer system described above, and includes the following steps: S1: Open a collection account; S2: Sub-account allocation and binding of transaction business system; S3: Collect funds and record them in the account; S4: Collect and clear unknown funds and refund; S5: Collect and transfer funds and confirm.

[0027] In this embodiment, step S1 is specifically as follows: opening a collection account: the transaction business system communicates with the collection bank, the collection account is entered into the system, the bank verifies the validity of the account, and can query the account transaction details and balance, and the collection bank pushes the collection sub-account.

[0028] In this embodiment, step S2 is specifically as follows: transaction business system sub-account allocation and binding: the business transaction system binds the transaction sub-account according to the account entry subject, returns the sub-account information to the transaction business system, and simultaneously pushes the sub-account and transaction subject to the collection bank.

[0029] In this embodiment, step S3 is specifically as follows: the collected funds are recorded: the business system records the funds according to the transaction subject sub-account and the collection account. The funds are recorded into the collection account. The collection bank pushes the recorded flow to the collection system. The recorded flow without clear sub-account information and transaction subject information is marked as collected unknown funds.

[0030] In this embodiment, step S4 specifically includes: collecting, clearing and refunding unknown funds: collecting the transaction flow marked as unknown funds pushed by the bank, and manually clearing it to the corresponding transaction sub-account and transaction subject. Returning funds of unknown origin.

[0031] In this embodiment, step S5 is specifically as follows: S51: Transfer of collected funds: After clearing, the collected funds are transferred according to the account information of the transaction subject. After receiving the transfer instruction, the collecting bank transfers the funds to the corresponding transaction subject's supervision account and attaches the transfer transaction code.

[0032] S52: Confirmation of transferred funds: After the bank supervising the transaction subject receives the transferred funds, it pushes the entry flow to the business transaction system. The business transaction system receives the transaction code, queries the fund collection system for the specific clearing details of the transfer, and enters the funds into the corresponding transaction subject.

[0033] The present invention solves the problem of unified entry and exit of supervision funds in the process of docking between the business transaction system and multiple banks, avoids frequent docking between the business system and the corresponding supervision bank, and uniformly inquires and releases the entry and exit of business funds, uniformly clears and refunds the unknown funds produced in the business system, and warns all funds. The frequent bank docking work and huge fund management are supervised and managed by each business transaction system, and all funds under the unified fund collection are managed by a unified bank collection account, including pre-sale house transaction funds, stock house transaction funds, affordable housing transaction funds and other real estate transaction funds. The entry and exit of funds and accounts under the business involved are uniformly collected and transferred, and the unknown funds under the collection account are uniformly cleared and returned. After clearing, the funds under the collection account are packaged and transferred to the corresponding real estate transaction system and supervision account, and then the transaction system supervision bank pushes the packaged entry, and the real estate transaction fund system queries the package details through the package flow to make the corresponding transaction subject's account entry information.

[0034] The present invention can unify the management of funds of various real estate transaction systems, conduct unified clearing and refunding of funds of all real estate transaction businesses, reduce the coupling between various real estate transaction systems and banks, build a unified supervision platform for real estate transaction funds, so that supervision funds are no longer handled separately by various transaction systems, and can compile statistics on funds of all real estate transaction businesses, providing more convenient support for the detection of real estate transaction systems.

[0035] For the aforementioned embodiments, for the sake of simplicity, they are all described as a series of action combinations, but those skilled in the art should be aware that the present application is not limited by the order of the actions described, because according to the present application, some steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are preferred embodiments, and the actions involved are not necessarily required by the present application.

[0036] The above embodiments describe the basic principles and main features of the present invention and the advantages of the present invention. Those skilled in the art should understand that the present invention is not limited by the above embodiments, and the above embodiments and descriptions are only for explaining the principles of the present invention. Without departing from the spirit and scope of the present invention, the changes and modifications made by those skilled in the art shall be within the scope of protection of the appended claims of the present invention without departing from the spirit and scope of the present invention.

Claims

1. A fund collection and transfer system, characterized in that: It includes the collection account establishment module, the collection fund entry query module and the collection fund management module, among which: The collection account establishment module is used to check the collection account information, generate the sub-account information of the corresponding business, and perform balance reconciliation and statistics on the collection account; The collection fund entry query module is used to check the entry flow of the collection account and compare it with the bank collection account flow; The collected funds management module is used to clear and refund unknown collected funds, and to transfer and refund collected funds.

2. A fund collection and transfer system as claimed in claim 1, characterized in that: It also includes a fund collection warning module, which is used to count the funds under the collection account after the collected funds are recognized, and to issue a warning for abnormal entry.

3. A fund collection and transfer system as claimed in claim 2, characterized in that: The collected funds management module includes a collected unknown funds clearing module, which is used to record the unknown funds in the collected account, clear them to the corresponding real estate transaction fund system supervision account, and return the funds of unknown origin to the original route.

4. A fund collection and transfer system as claimed in claim 3, characterized in that: The collected funds management module also includes a collected funds transfer module, which is used to uniformly package the cleared collected account funds to generate a corresponding supervision account and transaction flow, and generate a unique identifier for the packaged transaction. The transaction business system receives the packaged flow and pushes it to the business transaction system. After obtaining the packaged flow details through the unique identifier, it is subdivided into the transaction subjects corresponding to the business transaction system.

5. A fund collection and transfer method, implemented based on a fund collection and transfer system according to any one of claims 1 to 4, characterized in that: The steps include: S1: Open a collection account; S2: Sub-account allocation and binding of transaction business system; S3: Collect funds and record them in the account; S4: Collect and clear unknown funds and refund; S5: Collect and transfer funds and confirm.

6. A method for collecting and transferring funds as claimed in claim 5, characterized in that: Step S1 is specifically as follows: the transaction business system communicates with the collection bank, the collection account is entered into the transaction business system, the bank verifies the validity of the collection account, and inquires about the collection account transaction details and balance, and the collection bank pushes the collection sub-account.

7. A method for collecting and transferring funds as claimed in claim 6, characterized in that: Step S2 is specifically as follows: the business transaction system binds the transaction sub-account according to the account entry subject, returns the sub-account information to the transaction business system, and simultaneously pushes the sub-account and transaction subject to the collection bank.

8. A method for collecting and transferring funds as claimed in claim 7, characterized in that: Step S3 is specifically as follows: the business transaction system enters funds according to the transaction subject sub-account and the collection account. The funds are entered into the collection account, and the collection bank pushes the entry flow to the business transaction system. The entry without clear sub-account information and transaction subject information is marked as collection of unknown funds.

9. A method for collecting and transferring funds as claimed in claim 8, characterized in that: Step S4 is specifically: collecting the transaction records marked as unknown funds pushed by the bank, manually sorting them into corresponding transaction sub-accounts and transaction entities, and returning the funds of unknown origin.

10. A method for collecting and transferring funds as claimed in claim 9, characterized in that: Step S5 is specifically as follows: S51: The collected funds after clearing are transferred according to the account information of the transaction subject. After receiving the transfer instruction, the collecting bank transfers the funds to the corresponding transaction subject's supervision account and attaches the transfer transaction code; S52: After receiving the transferred funds, the bank supervising the transaction subject pushes the entry flow to the business transaction system. The business transaction system receives the transaction code, queries the specific clearing details of the fund collection and transfer, and enters the funds into the corresponding transaction subject.

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