Corporate clearing and cost allocation method and device based on virtual sub-account and fund pool, electronic equipment and storage medium

By constructing a virtual sub-account system and mapping rule base, and combining natural language processing and distributed lock mechanisms, the problems of manual reliance and extensive cost allocation in traditional fund pooling solutions have been solved. This has enabled automated determination and precise accounting of fund ownership, improving the efficiency of fund management and financial compliance of the group enterprise.

CN122243669APending Publication Date: 2026-06-19BEIJING HESI HUIZHI INFORMATION TECHNOLOGY CO LTD
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
BEIJING HESI HUIZHI INFORMATION TECHNOLOGY CO LTD
Filing Date
2026-04-01
Publication Date
2026-06-19

AI Technical Summary

Technical Problem

Traditional corporate cash pooling schemes rely on manual interpretation of notes, resulting in low efficiency, crude cost allocation, complex and unreal-time reconciliation, and a lack of ability to automatically identify and process non-standardized cash information.

Method used

A virtual sub-account system and mapping rule base are constructed. Natural language processing technology is used for semantic recognition and multi-level matching. Combined with a distributed lock mechanism, the system realizes the automatic determination of fund ownership and real-time clearing. And through a preset allocation factor algorithm, fine calculation is performed to generate internal accounting vouchers.

Benefits of technology

It has enabled automated determination and real-time clearing of fund ownership, ensuring the atomicity of account transfers and data consistency, improving cost accounting accuracy, reducing the complexity of T+1 reconciliation and the cost of manual intervention, and enhancing fund management efficiency and financial compliance.

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Abstract

This invention provides a method, apparatus, electronic device, and storage medium for corporate clearing, settlement, and cost allocation based on virtual sub-accounts and a fund pool. The method constructs a virtual sub-account system and mapping rule base, and utilizes natural language processing technology for semantic recognition and multi-level matching of unstructured remarks, achieving automated determination of fund ownership and real-time clearing. By introducing a distributed lock mechanism, the atomicity and data consistency of internal accounting transfers between the parent account and virtual sub-accounts are ensured, effectively mitigating the risk of accounting errors in high-concurrency scenarios. Simultaneously, a preset allocation factor algorithm is used to perform refined calculation and quantitative allocation of expense gains and losses, achieving accuracy and fairness in internal cost accounting. Finally, by automatically generating internal accounting vouchers containing clearing and allocation records, the data barriers between fund flow and accounting flow are broken down, significantly reducing the complexity of T+1 reconciliation and the cost of manual intervention.
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