Supervision fund management method and device, electronic equipment, storage medium and program

Abstract

The embodiment of the invention discloses a supervision fund management method and device, electronic equipment, a storage medium and a program, and relates to the technical field of financial science and technology, and the method comprises the steps: responding to an authorization result of an external system consensus protocol, and obtaining fund account filing information sent by an external system to a to-be-supervised fund; generating a target sub-account of a target multi-level electronic account according to the fund account filing information; and in response to a fund transfer-in instruction sent by the external system to the target sub-account, transferring to-be-supervised fund of a target docking account to the target sub-account. According to the technical scheme, the fund management cost can be reduced, and the fund management efficiency can be improved.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of financial technology, and in particular to a regulatory fund management method, device, electronic device, storage medium and program. Background Art

[0002] Everyday financial activities often involve funds that require supervision, such as deposits, prepaid consumer funds, and real estate transaction funds. These funds must be kept safe and protected from misappropriation or abuse, and therefore require protection through deposit and supervision mechanisms.

[0003] Currently, specific methods of fund supervision include bank custody, government supervision, and trust supervision. These methods often require the transfer of funds to a notary office or temporary transfer to a specific account for offline management.

[0004] During the development of this invention, the inventors discovered the following deficiencies in the existing technology: Transferring supervised funds to a notary office is relatively costly, with notaries typically charging fees based on local regulations. Transferring supervised funds to a temporary account for offline management can lead to irregularities in fund mixing and low management efficiency. Summary of the Invention

[0005] The embodiments of the present invention provide a supervisory fund management method, device, electronic device, storage medium and program, which can reduce fund management costs and improve fund management efficiency.

[0006] According to one aspect of the present invention, there is provided a regulatory fund management method, comprising:

[0007] In response to the authorization result of the external system consensus protocol, obtain the fund account filing information sent by the external system for the funds to be supervised;

[0008] Generate a target sub-account of the target multi-level electronic account based on the fund account filing information;

[0009] In response to the fund transfer instruction sent by the external system to the target sub-account, the funds to be supervised in the target docking account are transferred to the target sub-account.

[0010] According to another aspect of the present invention, there is provided a supervisory fund management device, comprising:

[0011] A fund account filing information acquisition module is used to obtain the fund account filing information sent by the external system for the funds to be supervised in response to the authorization result of the external system consensus protocol;

[0012] A target sub-account generation module, configured to generate a target sub-account of a target multi-level electronic account based on the fund account filing information;

[0013] The module for transferring funds to be supervised is configured to transfer the funds to be supervised in the target docking account to the target sub-account in response to a fund transfer instruction sent by the external system to the target sub-account.

[0014] According to another aspect of the present invention, an electronic device is provided, comprising:

[0015] at least one processor; and

[0016] a memory communicatively connected to the at least one processor; wherein,

[0017] The memory stores a computer program that can be executed by the at least one processor. The computer program is executed by the at least one processor so that the at least one processor can execute the regulatory fund management method described in any embodiment of the present invention.

[0018] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the regulatory fund management method described in any embodiment of the present invention when executed.

[0019] According to another aspect of the present invention, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the regulatory funds management method described in any embodiment of the present invention.

[0020] The embodiment of the present invention obtains the fund account filing information of the funds to be supervised sent by the external system in response to the authorization result of the external system consensus protocol, generates a target sub-account of the target multi-level electronic account according to the fund account filing information of the funds to be supervised, and then responds to the fund transfer instruction sent by the external system to the target sub-account, and transfers the funds to be supervised in the target docking account to the target sub-account, thereby solving the problems of high cost and low efficiency in the existing supervision fund management methods, reducing fund management costs and improving fund management efficiency.

[0021] It should be understood that the content described in this section is not intended to identify the key or important features of the embodiments of the present invention, nor is it intended to limit the scope of the present invention. Other features of the present invention will become readily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] 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.

[0023] Figure 1 This is a flow chart of a regulatory fund management method provided by an embodiment of the present invention;

[0024] Figure 2 is a flow chart of another regulatory fund management method provided by an embodiment of the present invention;

[0025] Figure 3 Schematic diagram of a supervisory fund management device provided by an embodiment of the present invention;

[0026] Figure 4 A schematic structural diagram of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0027] In order to enable those skilled in the art to better understand the solutions of the present invention, 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 embodiments described 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 ordinary technicians in this field without making creative efforts should fall within the scope of protection of the present invention.

[0028] It should be noted that the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or apparatus that includes a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units that are not explicitly listed or are inherent to these processes, methods, products or apparatus.

[0029] Figure 1 This is a flow chart of a regulatory fund management method provided by an embodiment of the present invention. This embodiment is applicable to situations where multi-level electronic accounts are used to automatically manage regulatory funds. The method can be executed by a regulatory fund management device, which can be implemented by software and / or hardware and can generally be integrated into an electronic device. The electronic device can be a terminal device or a server device. As long as it can execute the regulatory fund management method, the embodiment of the present invention does not limit the specific device type of the electronic device. Accordingly, if Figure 1 As shown, the method includes the following operations:

[0030] S110. In response to the authorization result of the external system consensus protocol, obtain the fund account filing information sent by the external system for the funds to be supervised.

[0031] The external system can be a system with fund supervision requirements. Exemplarily, external systems can include, but are not limited to, court systems, enterprise systems, public institution systems, and various official agency systems. As long as there is a fund supervision requirement, the embodiments of the present invention do not limit the specific type of external system. The external system consensus agreement can be a pre-signed consensus agreement between an institution with legal fund account management authority (hereinafter referred to as the fund management institution) and the external system. This consensus agreement can stipulate that relevant data in the external system can be accessed with legal authorization. Thus, the external system consensus agreement can embed the compliance of data acquisition channels into the underlying protocol, thereby avoiding post-audit risks and improving data processing efficiency through automated authorization. In other words, the application of the external system consensus agreement can achieve legal and compliant access to external data within a framework of clear permissions, user authorization, and legal purposes. Funds to be regulated can be funds that require supervision. Exemplarily, funds to be regulated can include, but are not limited to, deposits, prepaid consumption funds, and real estate transaction funds. The embodiments of the present invention do not limit the types of funds to be regulated. Fund account filing information can be the information required to establish corresponding accounts for funds to be regulated.

[0032] In an embodiment of the present invention, when a fund management institution provides a fund supervision function to an external system, the fund management institution first needs to sign an external system consensus agreement with the external system, so as to realize the legal authorization of the external system to the fund management institution's data acquisition channel through the external system consensus agreement. When the external system has a fund supervision demand, it can send the fund account filing information corresponding to the funds to be supervised to the fund management institution based on the authorization result of the external system consensus agreement and the specific circumstances of the funds to be supervised. Exemplarily, fund management institutions can include but are not limited to third-party financial platforms such as banks or third-party payment platforms. The embodiment of the present invention does not limit the type of fund management institutions that have legal fund account management authority.

[0033] For example, when the court system has a fund supervision demand for deposited funds, it can generate fund account filing information corresponding to the deposited funds based on the case information involved in the deposited funds, and send the fund account filing information corresponding to the deposited funds to the fund management institution, so that the fund management institution can establish a corresponding account for the deposited funds based on the fund account filing information corresponding to the deposited funds.

[0034] For example, when an e-commerce system has a fund supervision requirement for prepaid consumption funds, it can generate fund account filing information corresponding to the prepaid consumption funds based on the commodity transaction information involved in the prepaid consumption funds, and send the fund account filing information corresponding to the prepaid consumption funds to a fund management institution, so that the fund management institution can establish a corresponding account for the prepaid consumption funds based on the fund account filing information corresponding to the prepaid consumption funds.

[0035] For example, when a real estate company system has a need for fund supervision of real estate transaction funds, it can generate fund account filing information corresponding to the real estate transaction funds based on the real estate information involved in the real estate transaction funds, and send the fund account filing information corresponding to the real estate transaction funds to the fund management institution, so that the fund management institution can establish a corresponding account for the real estate transaction funds based on the fund account filing information corresponding to the real estate transaction funds.

[0036] Correspondingly, the fund management institution can respond to the authorization result of the external system consensus agreement and obtain the fund account filing information sent by the external system for the funds to be supervised.

[0037] S120: Generate a target sub-account of the target multi-level electronic account according to the fund account filing information.

[0038] The target multi-level electronic account may be an electronic account with a multi-level relationship established for an external system, and the target sub-account may be a sub-account created within the target multi-level electronic account for managing funds to be regulated in the external system.

[0039] Accordingly, upon receiving the fund account filing information for the funds to be regulated from an external system, the fund management institution can first determine the target multi-level electronic account pre-created by the external system based on the external system's identifier. Once the target multi-level electronic account has been identified, the fund account filing information sent by the external system can be parsed, and key identification information extracted from the parsed information can be used to generate a sub-account under the target multi-level electronic account, which will serve as the target sub-account corresponding to the funds to be regulated.

[0040] For example, when the external system is a court system, the fund management agency can use the relevant case information initiated by the court system for depositing funds as fund account filing information, and extract the case number and the electronic information of the parties based on the relevant case information corresponding to the deposited funds, thereby creating a sub-account for the deposited funds under the multi-level electronic account system of the court system based on the case number and the electronic information of the parties.

[0041] For example, when the external system is an e-commerce system, the fund management institution can use the relevant commodity transaction information initiated by the e-commerce system for prepaid consumption funds as fund account filing information, and extract commodity information and consumer electronic information based on the relevant commodity information corresponding to the prepaid consumption funds, thereby creating a sub-account for prepaid consumption funds under the multi-level electronic account system of the e-commerce system based on the commodity information and consumer electronic information.

[0042] For example, when the external system is a real estate company system, the fund management institution can use the relevant real estate information initiated by the real estate company system for real estate transaction funds as fund account filing information, and extract the real estate information and the owner's electronic information based on the relevant real estate information corresponding to the real estate transaction funds, thereby creating a sub-account for the real estate transaction funds under the multi-level electronic account system of the real estate company system based on the real estate information and the owner's electronic information.

[0043] S130 : In response to the fund transfer instruction sent by the external system to the target sub-account, transfer the funds to be supervised in the target docking account to the target sub-account.

[0044] The fund transfer instruction may be an instruction to transfer the funds to be regulated to the corresponding sub-account. The target docking account may be a legitimate account used for the turnover and storage of the funds to be regulated.

[0045] After the fund management institution generates a target sub-account for the target multi-level electronic account, the external system can, as needed, initiate a fund transfer instruction to the fund management institution for the target sub-account. Accordingly, the fund management institution, in response to the fund transfer instruction initiated by the external system, transfers the funds to be regulated from the target docking account to the target sub-account.

[0046] It can be seen that the above-mentioned regulatory funds management method provides an online, full-process automated management process for funds to be regulated. The regulatory funds management business process is efficient, the external system can clearly grasp the regulatory funds information, ensure the clarity of accounting funds, and the multi-level account system supports collaborative management between superior and subordinate institutions, reducing fund management costs and improving fund management efficiency.

[0047] The embodiment of the present invention obtains the fund account filing information of the funds to be supervised sent by the external system in response to the authorization result of the external system consensus protocol, generates a target sub-account of the target multi-level electronic account according to the fund account filing information of the funds to be supervised, and then responds to the fund transfer instruction sent by the external system to the target sub-account, and transfers the funds to be supervised in the target docking account to the target sub-account, thereby solving the problems of high cost and low efficiency in the existing supervision fund management methods, reducing fund management costs and improving fund management efficiency.

[0048] Figure 2This is a flow chart of another method for managing regulated funds provided by an embodiment of the present invention. This embodiment is specific based on the above embodiment. In this embodiment, multiple specific optional implementation methods are provided for establishing a target multi-level electronic account, generating target sub-accounts of the target multi-level electronic account, and transferring the funds to be regulated into the target sub-accounts. Figure 2 As shown, the method of this embodiment may include:

[0049] S210: Determine the associated multi-level system of the external system, and establish the target multi-level electronic account according to the hierarchical relationship between the associated multi-level system of the external system and the external system.

[0050] The associated multi-level system may be a system that has a hierarchical association relationship with an external system.

[0051] In an embodiment of the present invention, before managing funds under supervision in an external system, the fund management institution can first establish a target multi-level electronic account compatible with the external system. Optionally, the fund management institution can provide fund management services for the external system based on a cloud platform. This allows for elastic scaling of system equipment and service capabilities based on the number of onboarded customers and business volume, enabling flexible resource allocation and release to ensure high availability of business operations.

[0052] Specifically, the fund management institution can determine the interconnected multi-level systems of the external system. For example, the interconnected multi-level systems of the court system could include the provincial high court, the municipal intermediate courts, and the district and county grassroots courts. The interconnected multi-level systems of the e-commerce system and the real estate company system could include the headquarters system and the various branch systems. Furthermore, the fund management institution can establish target multi-level electronic accounts based on the interconnected multi-level systems of the external system and the hierarchical relationships between the external systems. Establishing a multi-level electronic account system facilitates fund management and aggregated information query across all levels of external systems.

[0053] In a specific example, taking the court system as an external system, when establishing a target multi-level electronic account for the court system, the top account can be set as the provincial high court, the second-level account can be set as the municipal intermediate court, the third-level account can be set as the district and county grassroots court, and the fourth-level account can be set as the sub-account of the parties to each case.

[0054] S220. In response to the authorization result of the external system consensus agreement, obtain the fund account filing information sent by the external system for the funds to be supervised. The external system includes the court system.

[0055] Optionally, the fund management institution may connect to the court system via an API (Application Programming Interface) to receive fund account filing information sent by the court system.

[0056] S230. Determine the party attribute information and party-related case information based on the fund account filing information.

[0057] The party attribute information may be relevant information of the party, and the party-related case information may be information related to the party's case.

[0058] Specifically, if the external system is a court system, the court system can automatically transmit fund account filing information to the fund management institution. The case number in the fund account filing information can be used as party-linked case information, and the party's electronic information in the fund account filing information can be used as party attribute information. For example, if the party is an individual, the party's electronic information may include, but is not limited to, their ID card and mobile phone number; if the party is a legal person, the party's electronic information may include, but is not limited to, their business license number, contact person, and contact information.

[0059] S240. Generate an account name for the target sub-account based on the party attribute information and the party-related case information.

[0060] After the fund management institution determines the party's attributes and related case information based on the fund account filing information, it can generate the target sub-account's account name based on the party's attributes and related case information. For example, the target sub-account's account name could be "case number + party's individual / legal entity name."

[0061] By using the attribute information of the parties and the information of the parties' related cases to generate the account name of the target sub-account, the "one case, one person, one number" regulatory fund management model can be realized. The fund management agency can automatically open an electronic account for each party in the case and deposit the corresponding case funds into the party's electronic account. Each account data and account correspond one-to-one, which solves the problems of mismatch between incoming funds and cases, payment of funds encroaching on other case funds, and unknown case funds. The court can clearly grasp the corresponding case fund information and ensure the clarity of account funds.

[0062] S250: In response to the fund transfer instruction sent by the external system to the target sub-account, transfer the funds to be supervised in the target docking account to the target sub-account.

[0063] After the fund management institution generates the target sub-account name based on the party's attribute information and the party's related case information, it can return the generated target sub-account name and other information to the court system for the court handling personnel to review and verify. After the court handling personnel review and confirm the target sub-account name in the court system, the court system will send the formal deposit instruction to the fund management institution. In response to the funds transfer instruction sent by the court system to the target sub-account, the fund management institution can transfer the funds to be supervised from the execution fund account to the party's target sub-account, and at the same time return the account information such as the deposit amount of the funds to be supervised to the court system.

[0064] In an optional embodiment of the present invention, after transferring the funds to be supervised in the target docking account to the target sub-account, it also includes: determining a personalized interest calculation method for the target sub-account, and calculating interest on the target sub-account according to the personalized interest calculation method of the target sub-account.

[0065] Fund management institutions can assign and configure a personalized interest calculation method for each target sub-account. This allows them to calculate interest based on the personalized method. This allows for greater flexibility in regulatory fund management while also protecting the rights and interests of the sub-account's corresponding users.

[0066] For example, taking the court system as an example, each party can establish an electronic account and calculate interest independently. The interest calculation method can be flexibly set according to the court agreement on the deposit of funds for each case without violating the interest rate policy and self-discipline mechanism requirements of the People's Bank of China to protect the rights and interests of the parties.

[0067] It can be seen that the above technical solution provides a cloud platform-based management method for deposited case funds, supports the collection, interest calculation and transfer of deposited funds, supports the provision of self-service services for judicial units, and also supports docking with judicial unit systems to provide banking financial services.

[0068] In an optional embodiment of the present invention, after transferring the funds to be supervised in the target docking account to the target sub-account, the method may further include: obtaining target contact information of the target sub-account; and sending a fund collection notification message to the account manager of the target sub-account through the target contact information.

[0069] The target contact information may be the contact information of the user corresponding to the target sub-account.

[0070] Optionally, if the user corresponding to the target sub-account is an individual, the target contact information of the target sub-account can be the user's mobile phone number or email address, etc. If the user corresponding to the target sub-account is an institution (such as a legal person or enterprise, institution, etc.), the target contact information of the target sub-account can be the valid contact information of the relevant person in charge of the institution. After the fund management institution transfers the funds to be regulated from the target docking account to the target sub-account, the external system or the fund management institution can send a fund collection notification to the account holder of the target sub-account through the target contact information. For example, the court or bank sends a deposit and withdrawal fund collection notification SMS to the reserved mobile phone of the party through the SMS platform. The advantage of this setting is that the account holder of the target sub-account can be notified in time to collect the corresponding regulated funds to ensure the legitimate rights and interests of the person in charge of the target sub-account.

[0071] In an optional embodiment of the present invention, after sending the fund collection notification information to the account manager of the target sub-account through the target contact information, it can also include: obtaining the collection information of the target account manager sent by the external system; responding to the collection request initiated by the target account manager, executing the withdrawal operation process of the target account manager according to the collection information of the target account manager.

[0072] The target account owner may be the account owner who needs to withdraw the corresponding regulatory funds stored in the sub-account.

[0073] In an embodiment of the present invention, after sending a fund collection notification message to the account manager of the target sub-account through the target contact information, the account manager of the target sub-account can choose to transfer funds from the target sub-account online or offline.

[0074] Among them, in the online method, after the account holder of the target sub-account views the fund collection notification information, he or she can initiate a fund collection request to the fund management institution online through an external system or the official account provided by the fund management institution. The fund management institution can then obtain the fund collection information of the target account holder sent by the external system, respond to the fund collection request initiated by the target account holder, and handle the fund transfer process according to the fund collection information of the target account holder. For example, a second-class account or electronic certificate of deposit can be opened online, and the funds of the target sub-account can be transferred to the second-class account or electronic certificate of deposit. Alternatively, the funds of the target sub-account can be directly transferred to other accounts of the account holder of the target sub-account.

[0075] In offline methods, if the target sub-account's account holder fails to receive the funds withdrawal notification, they can contact an external system to request withdrawal information. Based on the withdrawal information, the target sub-account's account holder can initiate a withdrawal request to the fund management institution. The fund management institution can then respond to the withdrawal request initiated by the target sub-account holder, verify the withdrawal information, and, if verified, execute the withdrawal process for the target sub-account holder.

[0076] In a specific example, if a party does not receive a text message notification for fund collection, they can contact the court to request payment information. After verifying the party's identity, the court will transmit the payment information (including the payee's name and ID number) from the court's case fund system to the bank's system. The party can then go to the nearest ICBC branch with valid identification, such as their ID card, to withdraw the funds.

[0077] The above technical solution improves the flexibility of collecting regulatory funds by providing account holders with both online and offline withdrawal methods.

[0078] It should be noted that if the target sub-account has been open for more than a certain number of years and no funds have been withdrawn, the funds and corresponding interest in the target sub-account can be transferred to an account designated by the external system in accordance with relevant regulations. For example, if the deposit account has been open for more than five years and no funds have been withdrawn, after five years, the funds and corresponding interest in the deposit account can be transferred to a court-designated account in accordance with court order. Optionally, the designated account can be agreed upon in advance, such as a treasury account.

[0079] The above technical solution effectively meets the external system's demand for automated management of regulated funds, enabling efficient and cost-effective online processing of the entire business process. The entire regulated fund management process supports access to cloud platforms or interface integration, while also supporting access to external systems via the internet or dedicated lines to ensure the security of sensitive information. Furthermore, the multi-level account system supports collaborative management between higher and lower-level institutions, ensuring clear fund flows and more efficient fund management.

[0080] In the technical solution disclosed herein, the collected information (such as personal information such as user ID card, email address or mobile phone number, as well as legal person information or institutional information, etc.) is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0081] It should be noted that, in the embodiment of the present invention, a corresponding operation entry can be provided for the user to choose to agree or reject the automated decision result; if the user chooses to reject, the expert decision process will be entered.

[0082] It should be noted that any arrangement and combination of the technical features in the above embodiments also falls within the protection scope of the present invention.

[0083] Figure 3 Schematic diagram of a supervisory fund management device provided by an embodiment of the present invention. Figure 3 As shown, the device includes: a fund account filing information acquisition module 310, a target sub-account generation module 320 and a to-be-supervised fund transfer module 330, wherein:

[0084] The fund account filing information acquisition module 310 is used to obtain the fund account filing information sent by the external system for the funds to be supervised in response to the authorization result of the external system consensus protocol;

[0085] A target sub-account generating module 320 is configured to generate a target sub-account of a target multi-level electronic account based on the fund account filing information;

[0086] The module for transferring funds to be supervised 330 is configured to transfer the funds to be supervised in the target docking account to the target sub-account in response to a funds transfer instruction sent by the external system to the target sub-account.

[0087] The embodiment of the present invention obtains the fund account filing information of the funds to be supervised sent by the external system in response to the authorization result of the external system consensus protocol, generates a target sub-account of the target multi-level electronic account according to the fund account filing information of the funds to be supervised, and then responds to the fund transfer instruction sent by the external system to the target sub-account, and transfers the funds to be supervised in the target docking account to the target sub-account, thereby solving the problems of high cost and low efficiency in the existing supervision fund management methods, reducing fund management costs and improving fund management efficiency.

[0088] Optionally, the above-mentioned device also includes a target multi-level electronic account establishment module, which is used to: determine the associated multi-level system of the external system; and establish the target multi-level electronic account according to the hierarchical relationship between the associated multi-level system of the external system and the external system.

[0089] Optionally, the external system includes a court system, and the target sub-account generation module 320 is further used to: determine the party attribute information and the party-related case information based on the fund account filing information; and generate the account name of the target sub-account based on the party attribute information and the party-related case information.

[0090] Optionally, the above-mentioned device further includes an interest calculation processing module, which is used to: determine the personalized interest calculation method of the target sub-account; and perform interest calculation processing on the target sub-account according to the personalized interest calculation method of the target sub-account.

[0091] Optionally, the above-mentioned device further includes a fund collection notification information sending module, which is used to: obtain the target contact information of the target sub-account; and send the fund collection notification information to the account manager of the target sub-account through the target contact information.

[0092] Optionally, the above-mentioned device also includes a withdrawal operation process execution module, which is used to: obtain the withdrawal information of the target account person in charge sent by the external system; respond to the withdrawal request initiated by the target account person in charge, and execute the withdrawal operation process of the target account person in charge according to the withdrawal information of the target account person in charge.

[0093] The aforementioned regulatory fund management device can execute the regulatory fund management method provided in any embodiment of the present invention and has the corresponding functional modules and beneficial effects of the execution method. For technical details not fully described in this embodiment, please refer to the regulatory fund management method provided in any embodiment of the present invention.

[0094] Since the regulatory fund management device described above is a device that can execute the regulatory fund management method in the embodiment of the present invention, and based on the regulatory fund management method described in the embodiment of the present invention, those skilled in the art will be able to understand the specific implementation methods and various variations of the regulatory fund management device of this embodiment, and therefore, how the regulatory fund management device implements the regulatory fund management method in the embodiment of the present invention will not be described in detail here. As long as those skilled in the art can implement the device used in the regulatory fund management method in the embodiment of the present invention, it falls within the scope of protection of this application.

[0095] Figure 4 A schematic diagram of the structure of an electronic device 10 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or claimed herein.

[0096] like Figure 4As shown, the electronic device 10 includes at least one processor 11 and a memory, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., which is communicatively connected to the at least one processor 11. The memory stores a computer program that can be executed by the at least one processor. The processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 into the random access memory (RAM) 13. Various programs and data required for the operation of the electronic device 10 can also be stored in the RAM 13. The processor 11, ROM 12, and RAM 13 are connected to each other via a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0097] Multiple components in the electronic device 10 are connected to the I / O interface 15, including an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a magnetic disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0098] Processor 11 can be any general-purpose and / or specialized processing component with processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any other suitable processor, controller, microcontroller, etc. Processor 11 executes the various methods and processes described above, such as the regulatory fund management method.

[0099] Optionally, the regulatory funds management method may include: in response to the authorization result of the external system consensus protocol, obtaining the funds account filing information sent by the external system for the funds to be regulated; generating a target sub-account of the target multi-level electronic account based on the funds account filing information; and in response to the funds transfer instruction sent by the external system to the target sub-account, transferring the funds to be regulated in the target docking account to the target sub-account.

[0100] In some embodiments, the regulated funds management method may be implemented as a computer program tangibly embodied in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on electronic device 10 via ROM 12 and / or communication unit 19. When the computer program is loaded into RAM 13 and executed by processor 11, one or more steps of the regulated funds management method described above may be performed. Alternatively, in other embodiments, processor 11 may be configured to execute the regulated funds management method in any other suitable manner (e.g., via firmware).

[0101] Various embodiments of the systems and techniques described herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), system-on-chip systems (SOCs), programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include being implemented in one or more computer programs that are executable and / or interpreted on a programmable system that includes at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0102] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when the computer program is executed by the processor, the functions / operations specified in the flowcharts and / or block diagrams are implemented. The computer program may be executed entirely on the machine, partially on the machine, as a stand-alone software package, partially on the machine and partially on a remote machine, or entirely on a remote machine or server.

[0103] In the context of the present invention, computer-readable storage media can be tangible media that can contain or store a computer program for use with an instruction execution system, device or equipment or used in combination with an instruction execution system, device or equipment. Computer-readable storage media can include but are not limited to electronic, magnetic, optical, electromagnetic, infrared or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, computer-readable storage media can be machine-readable signal media. More specific examples of machine-readable storage media can include electrical connections based on one or more lines, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.

[0104] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and the input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0105] The systems and techniques described herein can be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0106] A computing system may include clients and servers. The clients and servers are typically remote from each other and typically interact via a communication network. This client-server relationship arises through computer programs running on the respective computers, creating a client-server relationship. The server may be a cloud server, also known as a cloud computing server or cloud host. This server is a hosting product within the cloud computing service ecosystem that addresses the management difficulties and limited scalability of traditional physical hosting and VPS services.

[0107] It should be understood that the various forms of the processes shown above can be used to reorder, add, or delete steps. For example, the steps described in this disclosure can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solutions disclosed in this disclosure can be achieved. This is not a limitation herein.

[0108] The above specific embodiments do not constitute a limitation on the scope of protection of this disclosure. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may be made based on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this disclosure shall be included within the scope of protection of this disclosure.

Claims

1. A method for managing regulatory funds, characterized in that: include: In response to the authorization result of the external system consensus protocol, obtain the fund account filing information sent by the external system for the funds to be supervised; Generate a target sub-account of the target multi-level electronic account based on the fund account filing information; In response to the fund transfer instruction sent by the external system to the target sub-account, the funds to be supervised in the target docking account are transferred to the target sub-account.

2. The method according to claim 1, characterized in that Before obtaining the fund account filing information sent by the external system in response to the authorization result of the external system consensus protocol, the method further includes: determining a multi-level system associated with the external system; The target multi-level electronic account is established according to the associated multi-level system of the external system and the hierarchical relationship between the external systems.

3. The method according to claim 1 or 2, characterized in that The external system includes a court system, and the generating of a target sub-account of a target multi-level electronic account based on the fund account filing information includes: Determine the party's attribute information and party-related case information based on the fund account filing information; The account name of the target sub-account is generated according to the party attribute information and the party-related case information.

4. The method according to claim 1, wherein After transferring the funds to be regulated in the target docking account to the target sub-account, the following steps are also included: Determine the personalized interest calculation method for the target sub-account; The target sub-account is subject to interest calculation according to the personalized interest calculation method of the target sub-account.

5. The method according to claim 1, wherein After transferring the funds to be regulated in the target docking account to the target sub-account, the following steps are also included: Obtain target contact information of the target sub-account; Send a fund collection notification message to the account manager of the target sub-account through the target contact information.

6. The method according to claim 5, characterized in that After sending the fund collection notification information to the account manager of the target sub-account through the target contact information, the method further includes: Obtaining the payment information of the target account holder sent by the external system; In response to the withdrawal request initiated by the target account person in charge, the withdrawal operation process of the target account person in charge is executed according to the withdrawal information of the target account person in charge.

7. A supervisory fund management device, characterized in that: include: A fund account filing information acquisition module is used to obtain the fund account filing information sent by the external system for the funds to be supervised in response to the authorization result of the external system consensus protocol; A target sub-account generation module, configured to generate a target sub-account of a target multi-level electronic account based on the fund account filing information; The module for transferring funds to be supervised is configured to transfer the funds to be supervised in the target docking account to the target sub-account in response to a fund transfer instruction sent by the external system to the target sub-account.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executed by the at least one processor, and the computer program is executed by the at least one processor so as to enable the at least one processor to execute the regulatory fund management method according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the regulatory fund management method described in any one of claims 1 to 6 when executed.

10. A computer program product comprising a computer program / instructions, wherein: When the computer program / instructions are executed by a processor, the regulatory funds management method described in any one of claims 1-6 is implemented.

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