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

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.

Description

Technical Field

[0001] This invention relates to the technical field of corporate financial management and accounting informatization, and in particular to a method, apparatus, electronic device and storage medium for corporate clearing and settlement and cost allocation based on virtual sub-accounts and capital pools. Background Technology

[0002] In large group enterprises, to improve the efficiency of capital utilization and centralized risk management, a cash pooling model is commonly adopted, in which multiple subsidiaries or departments share a few physical bank accounts for receiving and making payments. When funds flow in, because the payment information (such as remarks) is often filled in by external customers and the format is inconsistent, the finance department cannot determine in real time which sub-account, project, or department the funds should belong to. This requires a large amount of manual verification using Excel spreadsheets and manual internal accounting, which is inefficient and prone to errors.

[0003] The above-mentioned clearing and settlement process has the following defects: Account splitting relies on manual labor: After funds arrive, finance personnel must manually read the summary / remarks on the bank statement, and then manually operate the internal transfer or prepare vouchers. Account splitting is not timely and involves a large amount of manual work.

[0004] Extensive cost allocation: Bank fees, interest, etc., are usually borne by the parent account and simply allocated to subsidiaries at the end of the month according to the proportion of turnover or a fixed proportion. This lack of detailed accounting basis leads to inaccurate internal cost accounting.

[0005] High complexity of reconciliation: The inconsistency between the original information of bank statements (such as remarks) and the information of internal business documents makes the T+1 reconciliation process extremely complex and consumes a lot of manpower to handle the discrepancies.

[0006] Poor real-time performance: The lack of real-time payment notification and clearing mechanism makes it impossible for business departments to confirm payments in a timely manner, affecting business efficiency (such as order release).

[0007] In summary, traditional corporate cash pooling solutions suffer from technical problems such as reliance on manual cash allocation, crude cost allocation, complex reconciliation, and poor real-time performance due to a lack of automatic identification and processing capabilities for non-standardized cash information. Summary of the Invention

[0008] In view of this, the purpose of the present invention is to provide a method, apparatus, electronic device and storage medium for corporate clearing and settlement and cost allocation based on virtual sub-accounts and capital pools, so as to alleviate the technical problems of traditional corporate capital pool clearing schemes that rely on manual labor, have extensive cost allocation, complex reconciliation and poor real-time performance.

[0009] In a first aspect, the present invention provides a method for corporate clearing, settlement, and cost allocation based on virtual sub-accounts and a capital pool, comprising: Construct a virtual sub-account system and mapping rule base, wherein the mapping rule base stores the mapping relationship between virtual sub-accounts and internal accounting dimensions, as well as matching rules based on the accounting information; The system monitors the transaction flow of the parent account of the group's capital pool in real time, captures original fund arrival events and original expense and profit events, and performs deduplication verification and information enrichment processing on the original fund arrival events and original expense and profit events to generate a standardized set of events to be processed. The intelligent clearing engine is activated, and natural language processing technology is used to extract features and semantically recognize the unstructured postscript information of the fund arrival events in the set of events to be processed. Multi-level matching is performed in combination with the mapping rule base to determine the first target virtual sub-account to which the funds of each fund arrival event belong. Acquire the distributed lock of the first target virtual sub-account, and atomically execute the internal account transfer between the parent account and the first target virtual sub-account based on the distributed lock; Based on a preset allocation factor algorithm, the cost and loss events in the set of events to be processed are calculated to determine the second target virtual sub-account for bearing the cost of each cost and loss event. The cost and loss events are then quantified and allocated to the second target virtual sub-account, thereby generating an internal accounting voucher containing fund clearing records and profit and loss allocation records.

[0010] Furthermore, natural language processing techniques are used to extract features and perform semantic recognition on the unstructured postscript information of fund arrival events in the set of events to be processed. Combined with the mapping rule base, multi-level matching is performed to determine the first target virtual sub-account to which the funds belong for each fund arrival event, including: A lightweight natural language processing model is used to perform word segmentation, spelling correction, and synonym mapping based on semantic vector similarity on the unstructured postscript information in the fund arrival event to obtain standardized semantic text. Key business feature elements are extracted from the standardized semantic text using regular expressions or named entity recognition technology and constructed as key-value pairs to obtain a structured feature set. Based on the structured feature set, the counterparty name in the fund arrival event, and the mapping rule base, a three-level matching logic is executed sequentially. When a match is successful at any level, a matching result identifier carrying the ID of the first target virtual sub-account is generated, thereby obtaining the first target virtual sub-account to which the funds of the fund arrival event belong.

[0011] Furthermore, the three-level matching logic includes: The system detects whether the unstructured remarks information or bank extended fields contain a predefined virtual sub-account identifier. If the virtual sub-account identifier is detected and is completely consistent with the virtual sub-account ID in the mapping rule base, a matching result identifier carrying the virtual sub-account ID is directly generated, and subsequent matching is terminated. The key-value pairs in the structured feature set are compared with the mapping rule base. If the value of the key-value pair with the key being project number, contract number or purchase order number matches any preset keyword combination rule in the mapping rule base, the virtual sub-account ID associated with the keyword combination rule is obtained, a matching result identifier carrying the virtual sub-account ID is generated, and subsequent matching is terminated. Calculate the similarity between the counterparty name in the fund arrival event and the historical counterparty whitelist in the mapping rule base; if the highest similarity reaches a preset threshold, it is determined that the counterparty name matches a whitelist entry, and based on the specific internal accounting dimension and long-term cooperative customer identifier associated with the matched whitelist entry, obtain the virtual sub-account ID corresponding to the specific internal accounting dimension, and generate a matching result identifier carrying the virtual sub-account ID.

[0012] Furthermore, deduplication checks are performed on the original fund arrival event and the original expense / profit event, including: Extract the bank transaction number, transaction amount, and transaction time of the original fund arrival event or the original expense and profit event, and generate a unique event fingerprint based on the bank transaction number, the transaction amount, and the transaction time; Query the preset fingerprint database to determine whether the unique event fingerprint already exists in the fingerprint database; If the unique event fingerprint already exists, the original fund arrival event or the original expense and profit event is determined to be a duplicate event. The original fund arrival event or the original expense and profit event is discarded and a deduplication log is generated, terminating the subsequent clearing process. If the unique event fingerprint does not exist, the unique event fingerprint is stored in the fingerprint database, and the original fund arrival event or the original expense and profit event is allowed to enter the subsequent information enrichment processing flow.

[0013] Furthermore, information enrichment processing is performed on the original fund arrival event and the original expense / profit event, including: Use the counterparty's account in the original fund arrival event or the original expense and profit event as the query index; Based on the query index, access the group's internal customer master data system and retrieve customer master data records associated with the counterparty's account; Parse at least one extended attribute from the customer name, contract number, and purchase order number from the retrieved customer master data records; The extended attribute information is injected into the feature fields of the original fund arrival event or the original expense and profit event to generate a standardized pending event carrying the extended attribute information for subsequent clearing and matching processes.

[0014] Further, based on a preset allocation factor algorithm, the cost and loss events in the set of events to be processed are calculated to determine the second target virtual sub-account for cost bearing of each cost and loss event, and the cost and loss events are quantified and allocated to the second target virtual sub-account, including: The event types of the expense and profit / loss events are identified to obtain event types that include at least fee events, interest income events, and public expense events; Based on the identified event type, execute the corresponding allocation factor calculation logic: If it is the aforementioned fee event, then the original transaction instruction corresponding to it is associated with the bank transaction number, and the proportion of the transaction amount of the original transaction instruction to the total amount of all associated original transaction instructions is used as the apportionment factor. If it is the aforementioned interest income event, the daily average balance method is adopted, and the proportion of the average capital occupation of each virtual sub-account during the interest period to the total average capital occupation of the capital pool is used as the allocation factor. If it is a public expense event, the proportion of the current balance of each virtual sub-account to the total balance of all virtual sub-accounts shall be used as the allocation factor; Based on the calculated allocation factor, a second target virtual sub-account for bearing the cost of the expense and loss event is determined, and the amount of the expense and loss event is quantified and allocated to the second target virtual sub-account.

[0015] Furthermore, the method also includes: The internal accounting vouchers and original bank statements are packaged into a clearing and reconciliation package for reconciliation with bank statements, thereby achieving synchronization and consistency between cash flow and accounting flow.

[0016] Secondly, the present invention also provides a corporate clearing and settlement and cost-sharing device based on virtual sub-accounts and capital pools, comprising: The construction unit is used to construct a virtual sub-account system and a mapping rule base, wherein the mapping rule base stores the mapping relationship between virtual sub-accounts and internal accounting dimensions, as well as matching rules based on the accounting information; The capture and processing unit is used to monitor the transaction flow of the parent account of the group's capital pool in real time, capture the original fund arrival events and the original expense and profit events, and perform deduplication verification and information enrichment processing on the original fund arrival events and the original expense and profit events to generate a standardized set of events to be processed. A multi-level matching unit is used to activate the intelligent clearing engine, use natural language processing technology to extract features and semantically recognize the unstructured postscript information of the fund arrival events in the set of events to be processed, and combine the mapping rule base to perform multi-level matching to determine the first target virtual sub-account to which the funds of each fund arrival event belong. The accounting transfer unit is used to acquire the distributed lock of the first target virtual sub-account and atomically execute the internal accounting transfer between the parent account and the first target virtual sub-account based on the distributed lock; The allocation unit is used to calculate the cost and loss events in the set of events to be processed based on a preset allocation factor algorithm, determine the second target virtual sub-account for bearing the cost of each cost and loss event, and quantify and allocate the cost and loss events to the second target virtual sub-account, thereby generating an internal accounting voucher containing fund clearing records and profit and loss allocation records.

[0017] Thirdly, the present invention also provides an electronic device, including a memory and a processor, wherein the memory stores a computer program that can run on the processor, and the processor executes the computer program to implement the method described in the first aspect.

[0018] Fourthly, the present invention also provides a computer-readable storage medium storing a computer program, which, when executed by a processor, performs the method described in the first aspect.

[0019] This invention provides a corporate clearing, settlement, and cost allocation method based on virtual sub-accounts and a capital pool, comprising: constructing a virtual sub-account system and a mapping rule base, wherein the mapping rule base stores the mapping relationship between virtual sub-accounts and internal accounting dimensions, as well as matching rules based on incoming payment information; real-time monitoring of the transaction flow of the parent account of the group's capital pool, capturing original fund arrival events and original expense / profit events, and performing deduplication verification and information enrichment processing on the original fund arrival events and original expense / profit events to generate a standardized set of events to be processed; activating an intelligent clearing engine, using natural language processing technology to process the fund arrival events in the set of events to be processed. Unstructured postscript information is subjected to feature extraction and semantic recognition. Multi-level matching is performed in combination with mapping rule base to determine the first target virtual sub-account to which funds belong for each fund arrival event. The distributed lock of the first target virtual sub-account is acquired, and the internal accounting transfer between the parent account and the first target virtual sub-account is executed atomically based on the distributed lock. Based on the preset allocation factor algorithm, the expense and profit / loss events in the event set to be processed are calculated to determine the second target virtual sub-account to which the cost of each expense and profit / loss event is quantified and allocated to the second target virtual sub-account, thereby generating internal accounting vouchers containing fund clearing records and profit / loss allocation records. As described above, the corporate clearing and cost allocation method based on virtual sub-accounts and fund pools of this invention solves the inefficiency and error-proneness problems caused by the reliance on manual interpretation of notes in traditional solutions by constructing a virtual sub-account system and mapping rule base, and using natural language processing technology to perform semantic recognition and multi-level matching on unstructured notes. This achieves 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 avoiding the risk of accounting errors in high-concurrency scenarios. At the same time, the refined calculation and quantitative allocation of expenses and profits based on a preset allocation factor algorithm replaces the traditional extensive proportional allocation mode, 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, and significantly improving the fund management efficiency and financial compliance level of group enterprises. Attached Figure Description

[0020] To more clearly illustrate the specific embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the specific embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present invention. For those skilled in the art, other drawings can be obtained from these drawings without creative effort.

[0021] Figure 1A flowchart of a corporate clearing, settlement, and cost allocation method based on virtual sub-accounts and capital pools provided in this embodiment of the invention; Figure 2 A schematic diagram of a corporate clearing, settlement, and cost-sharing device based on virtual sub-accounts and a capital pool, provided as an embodiment of the present invention; Figure 3 This is a schematic diagram of an electronic device provided in an embodiment of the present invention. Detailed Implementation

[0022] The technical solution of the present invention will be clearly and completely described below with reference to the embodiments. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0023] Traditional corporate cash pooling solutions rely on manual labor, have crude cost allocation methods, and involve complex and unreal-time reconciliation.

[0024] Based on this, the corporate clearing and cost allocation method based on virtual sub-accounts and fund pools in this invention solves the inefficiency and error-proneness caused by the reliance on manual interpretation of notes in traditional solutions by constructing a virtual sub-account system and mapping rule base, and by using natural language processing technology to perform semantic recognition and multi-level matching on unstructured notes. This achieves 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 avoiding the risk of accounting errors in high-concurrency scenarios. At the same time, the cost and profit are calculated and quantified based on a preset allocation factor algorithm, replacing the traditional extensive proportional allocation model, and achieving accuracy and fairness in internal cost accounting. Finally, by automatically generating internal accounting vouchers containing clearing and allocation records, the data barriers between cash flow and accounting flow are broken down, significantly reducing the complexity of T+1 reconciliation and the cost of manual intervention, and significantly improving the efficiency of fund management and financial compliance of group enterprises.

[0025] To facilitate understanding of this embodiment, a detailed description of a corporate clearing and cost allocation method based on virtual sub-accounts and capital pools disclosed in this embodiment of the invention will be provided first.

[0026] Example 1: According to an embodiment of the present invention, an embodiment of a corporate clearing and cost allocation method based on virtual sub-accounts and capital pools is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0027] Figure 1 This is a flowchart illustrating a corporate clearing, settlement, and cost allocation method based on virtual sub-accounts and a capital pool, according to an embodiment of the present invention. Figure 1 As shown, the method includes the following steps: Step S102: Construct a virtual sub-account system and mapping rule base, wherein the mapping rule base stores the mapping relationship between virtual sub-accounts and internal accounting dimensions, as well as matching rules based on the accounting information; In this step, the system first creates a unified "virtual account book" (i.e., a virtual sub-account system) for the entire group. Virtual sub-accounts are not actual bank accounts, but rather logical accounting units. Each virtual sub-account (VSA) is uniquely mapped to an internal accounting dimension, which can be a specific department ID, project code, cost center, profit center, or a specific business scenario. Through this mapping, the system resolves the contradiction between the limited number of physical bank accounts and the complex and diverse internal accounting dimensions (traditional collection models aggregate funds into a few physical accounts, but the use and accounting dimensions of funds within a group are far more complex than physical accounts. The VSA system aims to address this difference in dimensions).

[0028] In practical implementation, the system defines a core mapping rule: combining the "receiving bank account" (i.e., the parent account) with the "receiving summary / remarks" or "receiving counterparty information" as the unique identifier of the VSA. This rule supports many-to-one (multiple VSAs corresponding to one entity receiving account) and one-to-one mapping relationships, greatly expanding the flexibility of fund management. For example, when funds flow in, the system not only looks at who the money is being transferred to, but also at what is written in the remarks (business characteristics), thereby accurately locating the specific project department or sales team.

[0029] The VSA structure includes: VSA ID (unique identifier), Owners Entity (department / company of ownership), Cost Center, Project Code, Current Balance, Mapping_Type (mapping type: postscript / counterparty). The system uses a relational database or NoSQL for storage, and adopts a pessimistic lock or CAS mechanism for the Current Balance field to ensure the accuracy of virtual balance during high-concurrency clearing.

[0030] Mapping Rule Base: The rule base supports multi-level and priority matching (i.e., matching rules based on posting information). Rule definition uses a SQL-like DSL (Domain Specific Language): IF (Bank_ID='ICBC' AND Memo_ Text LIKE '%payment for goods%' AND Counterparty_Name='XX Company') THEN VSA_ID='VSA-SALES-001'. The system supports fuzzy matching: for example, classifying "pay sales amount" and "hand over sales amount" in the postscript as the same category, and scoring through the Levenshtein distance or TF-IDF vector similarity. When a fund matches multiple rules simultaneously, the system selects a unique VSA according to the preset "rule priority" or "longest matching principle".

[0031] VSA supports dynamic creation and destruction. For example, when a new project starts, a VSA is automatically generated; after the project ends, the status of this VSA becomes Closed, the balance is cleared and archived to avoid redundancy and chaos.

[0032] Step S104, monitor the transaction flow of the parent account of the group's fund pool in real time, capture the original fund arrival events and original expense and profit / loss events, and perform duplicate checking and information enrichment processing on the original fund arrival events and original expense and profit / loss events to generate a standardized set of pending events; In this step, the system monitors the transaction flow of the group's receiving parent account (i.e., the fund pool) in real time at the millisecond level through bank-enterprise direct connection or open bank API. Once a "credit" transaction (fund arrival, i.e., the original fund arrival event) or a "debit" transaction (expense / interest, i.e., the original expense and profit / loss event) is captured, an event is immediately triggered. This event contains all the original information: transaction amount, transaction time, counterparty information, the most critical original postscript / summary field, and the bank transaction number.

[0033] In implementation, the system builds a dedicated API gateway responsible for maintaining long-term or high-frequency short-term connections with the APIs or direct connection channels of multiple banks.

[0034] Push mode (recommended): For banks that support asynchronous notifications (Webhook / Callback), the system provides a secure URL to receive real-time fund arrival notifications from the bank. This is the most efficient mode.

[0035] Pull mode (backup): For banks that only support queries, the system uses Long Polling or High-Frequency Query (e.g., querying once every 5 seconds) to obtain the latest transaction records.

[0036] To ensure data accuracy and completeness, the system performs "duplicate verification" and "information enrichment" on the captured raw events. Deduplication prevents duplicate entries caused by repeated notifications from the bank; information enrichment supplements any deficiencies in the original information. For example, based on the counterparty's account, the system retrieves the group's internal customer master data (MDM) and adds customer names, contract numbers, and other information to the events. After these two steps, the original, messy data is transformed into a standardized set of events to be processed, preparing for subsequent intelligent clearing.

[0037] Step S106: Activate the intelligent clearing engine, use natural language processing technology to extract features and semantically recognize the unstructured postscript information of fund arrival events in the event set to be processed, and combine it with the mapping rule base to perform multi-level matching to determine the first target virtual sub-account to which the funds of each fund arrival event belong. In this step, the clearing engine is the core component. Because the formats of the remarks filled in by external clients vary widely, the system uses Natural Language Processing (NLP) technology to extract features from the unstructured remarks of fund arrival events in the event set to be processed. For example, it can identify key information such as "Project Number: P202301" or "Contract Number: HT001" from a piece of disordered text.

[0038] Subsequently, the system performs multi-level matching based on the mapping rule base. This multi-level matching mechanism typically includes exact matching, fuzzy matching, and fallback matching. Through this intelligent processing, even if the message is not standardized, the system can compare it with the preset VSA rules to determine which department or project the money belongs to, i.e., to identify the "first target virtual sub-account".

[0039] Step S108: Obtain the distributed lock of the first target virtual sub-account, and perform the internal account transfer between the parent account and the first target virtual sub-account atomically based on the distributed lock; In this step, to ensure the consistency of account balance data under high concurrency scenarios, the system acquires a distributed lock on the first target virtual sub-account before processing the accounting entries. A distributed lock is a mechanism for implementing mutual exclusion access in a distributed system, preventing multiple processes from simultaneously modifying the same account balance and causing data corruption.

[0040] After acquiring the lock, the system executes the internal account transfer in an atomic transaction manner. This means that the actions of "decreasing the parent account balance" and "increasing the VSA balance" either succeed simultaneously or fail simultaneously, with no intermediate state. This mechanism ensures the safe and accurate flow of funds within the virtual sub-account system.

[0041] The process of acquiring the distributed lock of the first target virtual sub-account is as follows: using the unique identifier ID of the first target virtual sub-account as the lock key, a lock request is initiated to the distributed coordination service cluster; the lock holding timeout is set to a preset value that is greater than the maximum execution time of a single internal accounting transfer transaction; if the lock is successfully acquired within the preset waiting time, the subsequent steps are continued; if the lock acquisition fails or the waiting timeout occurs, the exponential backoff retry mechanism is triggered, or the internal accounting transfer task is transferred to a delayed message queue to wait for rescheduling.

[0042] The atomic execution of internal account transfers between the parent account and the first target virtual sub-account includes: initiating a local database transaction or a distributed transaction; within the transaction, synchronously deducting or increasing the virtual balance of the parent account and synchronously increasing or deducting the virtual balance of the first target virtual sub-account, while inserting an internal transaction record with a status of "processing"; verifying the balance between debits and credits and the adequacy of the balance; if the verification passes, the transaction is committed and the transaction record status is updated to "success," while releasing the distributed lock; if the verification fails or an execution exception occurs, the entire transaction is rolled back and the distributed lock is released to ensure that the total amount of funds in the parent account and all virtual sub-accounts remains constant.

[0043] Step S110: Based on the preset allocation factor algorithm, calculate the cost and loss events in the event set to be processed, determine the second target virtual sub-account for cost bearing of each cost and loss event, quantify and allocate the cost and loss events to the second target virtual sub-account, thereby generating an internal accounting voucher containing fund clearing records and profit and loss allocation records.

[0044] In this step, the system not only processes the inflow of funds but also the accompanying fees and profits (such as bank fees, interest, and exchange gains / losses (debit side)). Based on a preset allocation factor algorithm (such as transaction amount percentage, average capital occupation, etc.), the system calculates the fee and profit / loss events (such as fees, interest, and exchange gains / losses) in the set of events to be processed. Through calculation, the system determines who should pay this fee, i.e., determines the "second target virtual sub-account".

[0045] Once the attribution is determined, the system quantifies and allocates the expense and profit / loss events to the relevant account. For example, a cross-bank transfer fee is proportionally deducted from the balance of the relevant VSA. Finally, the system automatically generates an internal accounting voucher containing fund clearing records and profit / loss allocation records. This voucher comprehensively records the source, destination, and costs incurred by the funds, achieving synchronization between business flow and accounting flow.

[0046] This invention provides a corporate clearing, settlement, and cost allocation method based on virtual sub-accounts and a capital pool, comprising: constructing a virtual sub-account system and a mapping rule base, wherein the mapping rule base stores the mapping relationship between virtual sub-accounts and internal accounting dimensions, as well as matching rules based on incoming payment information; real-time monitoring of the transaction flow of the parent account of the group's capital pool, capturing original fund arrival events and original expense / profit events, and performing deduplication verification and information enrichment processing on the original fund arrival events and original expense / profit events to generate a standardized set of events to be processed; activating an intelligent clearing engine, using natural language processing technology to process the fund arrival events in the set of events to be processed. Unstructured postscript information is subjected to feature extraction and semantic recognition. Multi-level matching is performed in combination with mapping rule base to determine the first target virtual sub-account to which funds belong for each fund arrival event. The distributed lock of the first target virtual sub-account is acquired, and the internal accounting transfer between the parent account and the first target virtual sub-account is executed atomically based on the distributed lock. Based on the preset allocation factor algorithm, the expense and profit / loss events in the event set to be processed are calculated to determine the second target virtual sub-account to which the cost of each expense and profit / loss event is quantified and allocated to the second target virtual sub-account, thereby generating internal accounting vouchers containing fund clearing records and profit / loss allocation records. As described above, the corporate clearing and cost allocation method based on virtual sub-accounts and fund pools of this invention solves the inefficiency and error-proneness problems caused by the reliance on manual interpretation of notes in traditional solutions by constructing a virtual sub-account system and mapping rule base, and using natural language processing technology to perform semantic recognition and multi-level matching on unstructured notes. This achieves 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 avoiding the risk of accounting errors in high-concurrency scenarios. At the same time, the refined calculation and quantitative allocation of expenses and profits based on a preset allocation factor algorithm replaces the traditional extensive proportional allocation mode, 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, and significantly improving the fund management efficiency and financial compliance level of group enterprises.

[0047] The above provides a brief overview of the control method for the braking system of the present invention. The specific details involved are described in detail below.

[0048] In an optional embodiment of the present invention, deduplication verification is performed on the original fund arrival event and the original expense and profit / loss event, specifically including the following steps: (1) Extract the bank transaction number, transaction amount and transaction time of the original fund arrival event or original expense and profit event, and generate a unique event fingerprint based on the bank transaction number, transaction amount and transaction time; (2) Query the preset fingerprint database to determine whether the unique event fingerprint already exists in the fingerprint database; (3) If a unique event fingerprint already exists, the original fund arrival event or the original expense and profit event is determined to be a duplicate event. The original fund arrival event or the original expense and profit event is discarded and a deduplication log is generated to terminate the subsequent clearing process. (4) If the unique event fingerprint does not exist, the unique event fingerprint will be stored in the fingerprint database and the original fund arrival event or the original expense and profit event will be allowed to enter the subsequent information enrichment process.

[0049] Specifically, in real-world fund management scenarios, bank systems may repeatedly push the same transaction notification due to network fluctuations or other reasons, a phenomenon known as the "duplicate order" problem. To address this technical issue, this embodiment proposes a deduplication verification mechanism based on "event fingerprints."

[0050] In practice, the system extracts three key fields from the original fund arrival event or original expense / profit event: bank transaction number (uniquely identifying a bank transaction), transaction amount (amount of funds), and transaction timestamp (time of occurrence). The system uses a hash algorithm to combine these three fields to generate a unique "event fingerprint." Subsequently, the system queries a pre-set fingerprint database (usually stored in a cache such as Redis).

[0051] If the fingerprint already exists in the fingerprint database, it means the transaction has already been processed. The system will determine it as a duplicate event, discard it, and generate a deduplication log for auditing, thereby terminating the subsequent clearing process and preventing duplicate accounting of funds. If the fingerprint does not exist in the fingerprint database, it means it is a new transaction. The system will write it into the fingerprint database and allow it to proceed to the subsequent information enrichment process.

[0052] This embodiment achieves millisecond-level identification and interception of duplicate bank notifications by generating and comparing unique event fingerprints. This idempotent processing mechanism effectively prevents the risk of fund misrepresentation caused by the instability of the banking system, ensuring the accuracy and uniqueness of financial data.

[0053] In an optional embodiment of the present invention, information enrichment processing is performed on the original fund arrival event and the original expense and profit / loss event, specifically including the following steps: (1) Use the counterparty's account in the original fund arrival event or original expense and profit event as the query index; (2) Based on the query index, access the group's internal customer master data system and retrieve customer master data records associated with the counterparty's account; (3) Parse at least one extended attribute information from the retrieved customer master data records, including customer name, contract number, and purchase order number; (4) Inject extended attribute information into the feature fields of the original fund arrival event or the original expense and profit event to generate a standardized pending event carrying extended attribute information for subsequent clearing and matching process.

[0054] Specifically, the raw information in bank statements is often very limited, usually only including the amount, time, account number, and a brief note. To improve the accuracy of clearing, this embodiment introduces an "information enrichment" processing flow.

[0055] In practice, the system uses the "counterparty account" from the original fund arrival event or original expense / profit event as a key to query the group's internal Master Data Management (MDM). Through this query, the system can retrieve a wealth of business information, such as the full name of the customer corresponding to the account, the contract number signed by both parties, and the specific purchase order number (PO number).

[0056] The system injects these retrieved extended attribute information into the original funds arrival event object, like patching a hole, generating a "standardized pending event". For example, a record that originally only had "transfer of 5,000 yuan" becomes "Customer A transferred 5,000 yuan (contract HT001)" after enrichment. These rich feature fields provide more accurate matching criteria for the subsequent intelligent clearing engine.

[0057] This embodiment enriches the original transaction records by associating them with internal master data, thus compensating for the lack of information in bank transaction receipts. It links isolated cash flows with specific business documents (contracts, orders), greatly improving the success rate and accuracy of subsequent clearing and matching, and laying a data foundation for the integration of business and finance.

[0058] In an optional embodiment of the present invention, natural language processing technology is used to extract features and perform semantic recognition on the unstructured postscript information of fund arrival events in the event set to be processed. Multi-level matching is then performed using a mapping rule base to determine the first target virtual sub-account to which the funds for each fund arrival event belong. Specifically, the steps include: (1) A lightweight natural language processing model is used to perform word segmentation, spelling correction and synonym mapping based on semantic vector similarity on the unstructured postscript information in the fund arrival event to obtain standardized semantic text; (2) Use regular expressions or named entity recognition technology to extract key business feature elements from standardized semantic text and construct them into key-value pairs to obtain a structured feature set; (3) Based on the structured feature set, the counterparty name in the fund arrival event and the mapping rule base, the three-level matching logic is executed in sequence, and when the matching is successful at any level, a matching result identifier carrying the ID of the first target virtual sub-account is generated, thereby obtaining the first target virtual sub-account to which the funds of the fund arrival event belong.

[0059] Specifically, in response to the technical challenge of customers filling in comments arbitrarily and with non-standard formats, this embodiment constructs a complete intelligent clearing process.

[0060] First, in the feature extraction stage, the system uses a lightweight NLP model to preprocess the postscript. This includes word segmentation (splitting the sentence into words), spell correction (correcting obvious typos), and synonym mapping (calculating semantic similarity (calculating the similarity between the text fragment and the standard business terminology database), mapping "sales revenue" to the standard "sales income"), thereby obtaining a standardized semantic text.

[0061] Next, the system uses regular expressions or named entity recognition (NER) technology to extract key information from the text, such as project number P202301 and order number PO123, and organizes them into key-value pairs (e.g., {project number: P2023001}), forming a structured feature set.

[0062] Finally, based on these characteristics, the names of the counterparties, and a pre-defined mapping rule base, the system initiates its core "three-level matching logic." This hierarchical processing mechanism ensures that the corresponding fund ownership can be found regardless of the completeness of the information.

[0063] This embodiment transforms unstructured natural language into structured business data and, through a hierarchical matching strategy, effectively solves the problem of accounting difficulties caused by ambiguous or incorrect remarks in traditional manual verification. It automates and intelligently determines fund ownership, significantly reducing the cost of manual intervention.

[0064] In an optional embodiment of the present invention, the three-level matching logic includes: (1) Detect whether the unstructured remarks information or bank extended fields contain a predefined virtual sub-account special identifier; if the virtual sub-account special identifier is detected and is completely consistent with the virtual sub-account ID in the mapping rule base, then directly generate a matching result identifier carrying the virtual sub-account ID and terminate subsequent matching; (2) Compare the key-value pairs in the structured feature set with the mapping rule base; if the key-value pair is found to match any preset keyword combination rule in the mapping rule base, the virtual sub-account ID associated with the keyword combination rule is obtained, a matching result identifier carrying the virtual sub-account ID is generated, and subsequent matching is terminated. (3) Calculate the similarity between the counterparty name in the fund arrival event and the historical counterparty whitelist in the mapping rule base; if the highest similarity reaches the preset threshold, it is determined that the counterparty name matches the whitelist entry, and based on the specific internal accounting dimension and long-term cooperative customer identifier associated with the matched whitelist entry, obtain the virtual sub-account ID corresponding to the specific internal accounting dimension, and generate a matching result identifier carrying the virtual sub-account ID.

[0065] Specifically, this embodiment describes in detail the specific implementation means of the above-mentioned "three-level matching logic", which aims to simulate the judgment thinking of human financial personnel, progressing step by step from precise to fuzzy.

[0066] Level 1 Matching (Exact Direct Connection): The system first checks if the remarks contain a system-predefined "VSA-specific identifier" (such as a specific UUID or encoding). If it exists and matches, it means that this is an exact transfer initiated within the system, directly determining ownership without further calculations. This is the most efficient scenario.

[0067] Second-level matching (business feature matching): If the first-level match fails, the system enters the fuzzy matching stage. It compares the extracted key-value pairs, such as "project number" and "contract number," with the keyword rules in the mapping rule base. For example, if the remarks contain "HT001," and the rule base defines "HT001" as corresponding to "Sales Department VSA," then the match is successful. This leverages the uniqueness of business documents to determine fund ownership.

[0068] The third level of matching (fallback matching): If the first two levels fail to match, the system activates a fallback mechanism. It calculates the similarity between the current counterparty's name and the "historical counterparty whitelist" in the rule base (using Levenshtein distance or TF-IDF algorithm). If the counterparty is found to be highly similar to "long-term client A," the funds are allocated to that client's corresponding default VSA (such as the client's dedicated department account). This prevents funds from being held up due to incomplete information.

[0069] A specific internal accounting dimension refers to a classification identifier used within an enterprise to distinguish fund ownership, business type, or management responsibility. This includes, but is not limited to, at least one of the following: branch name, product line code, project category, customer credit rating, or customer cooperation type (such as long-term cooperative clients). Each specific internal accounting dimension is pre-bound to a unique virtual sub-account ID in the system for automated fund collection and refined accounting.

[0070] Through this tiered matching strategy, the system balances processing efficiency and coverage. It can handle not only standard structured transfers but also a large number of non-standard, manually entered transfers via fuzzy algorithms and whitelist mechanisms, maximizing automated fund clearing and reducing the amount of abnormal documents requiring manual intervention.

[0071] In an optional embodiment of the present invention, based on a preset allocation factor algorithm, the cost and loss events in the set of events to be processed are calculated to determine the second target virtual sub-account for cost bearing of each cost and loss event, and the cost and loss events are quantitatively allocated to the second target virtual sub-account, specifically including the following steps: (1) Identify event types for expense and profit events to obtain event types that include at least fee events, interest income events and public expense events; (2) Based on the identified event type, execute the corresponding allocation factor calculation logic: (3) If it is a fee event, the original transaction instruction corresponding to the bank transaction number is associated with it, and the proportion of the transaction amount of the original transaction instruction to the total amount of all associated original transaction instructions is used as the apportionment factor. (4) If it is an interest income event, the daily average balance method is adopted, and the proportion of the average amount of funds occupied by each virtual sub-account during the interest period to the total average amount of funds occupied by the fund pool is used as the allocation factor. (5) If it is a public expense event, the current balance of each virtual sub-account shall be used as the proportion of the total balance of all virtual sub-accounts as the apportionment factor; (6) Based on the calculated allocation factor, determine the second target virtual sub-account for the cost of the expense and loss event, and quantify and allocate the amount of the expense and loss event to the second target virtual sub-account.

[0072] Specifically, this embodiment provides a refined allocation algorithm for different types of capital costs and returns.

[0073] For each fee (such as interbank transfer fees, interest expense, and exchange gains or losses on foreign currency receipts), the system automatically captures it and associates it with the original transaction (if any) that triggered the fee.

[0074] For fee-related events (such as interbank transfer fees), the system employs a "transaction-related allocation strategy." The system traces the original transfer instruction initiated within the system using the bank's transaction number, associates it with the transaction that generated the fee, and allocates the total fee proportionally to the amount of each associated transaction. For example, if account A transfers 6000 yuan and account B transfers 4000 yuan, the resulting 100 yuan fee will be allocated as 60 yuan and 40 yuan respectively.

[0075] For interest income events, the system uses the "daily average balance method." Considering the varying time funds remain in different accounts, the system calculates the daily average balance of each virtual sub-account during the interest period, and then calculates its proportion of the total average balance of the fund pool, using this as the allocation factor. This method is fairer and more accurate than simply allocating based on the ending balance.

[0076] For public expense events (such as annual account fees that cannot be linked to specific transactions), the system uses a "balance-based allocation method." This means that the fees are allocated according to the current balance percentage of each VSA to ensure that all fees are covered and there are no allocation gaps.

[0077] This embodiment abandons the traditional, crude, "one-size-fits-all" allocation model and adopts differentiated algorithms based on the economic substance of different expenses. This not only achieves accurate quantification of capital costs but also ensures the fairness of internal accounting, providing accurate data support for the group's internal performance evaluation.

[0078] In an optional embodiment of the present invention, the method further includes the following steps: Internal accounting vouchers and original bank statements are packaged into a clearing and reconciliation package for reconciliation with bank statements, thereby achieving synchronization and consistency between cash flow and accounting flow.

[0079] Specifically, in order to meet the needs of financial auditing and reconciliation, this embodiment performs a packaging and archiving operation after clearing and allocating.

[0080] The system associates and binds the generated internal accounting vouchers (including debit and credit entries, amounts, and accounting dimensions) with the original bank transaction records (including bank transaction numbers and actual transactions), packaging them into a logical unit called a "clearing and reconciliation package." This package completely records the entire process of a fund flowing in from the bank (funds flow), through internal clearing (information flow), and then to cost allocation (accounting flow).

[0081] In the subsequent T+1 reconciliation process, finance personnel or the system can directly use this reconciliation package to verify the consistency between bank statements and the official bank statements. Since the package contains the entire chain of evidence for internal processing, it allows for rapid verification of the consistency between bank statements and internal accounts.

[0082] This embodiment integrates scattered fund and accounting information by generating a unified settlement and reconciliation package. This not only facilitates internal auditing and external supervision but also greatly simplifies the complexity of month-end reconciliation, achieving real-time synchronization and closed-loop management of fund flow and accounting flow.

[0083] The problem this invention aims to solve: Automated fund allocation: Enables intelligent identification and clearing of non-standard remarks information, and automatically routes funds to the smallest accounting unit.

[0084] Precise allocation of profits and losses: Establish a scientific allocation model to accurately quantify and allocate the expenses (handling fees, interest, exchange gains and losses) generated by the capital pool to the relevant departments.

[0085] Integrated fund accounting: It automates the entire process of fund receipt, internal clearing, automatic accounting, and reconciliation, eliminating points of human intervention.

[0086] Basic technical implementation scheme: This invention aims to solve the problem of large group enterprises struggling to quickly identify the actual department, cost center, or project to which funds belong after they arrive under a unified collection account model, and the problem of accurately allocating interbank fees, exchange gains and losses, interest, and other expenses to internal accounting entities. This system integrates Virtual Account Mapping (VAM) technology, real-time event monitoring, an intelligent clearing engine, and allocation algorithms to construct a closed-loop clearing system of "account definition - fund monitoring - automatic clearing - cost allocation."

[0087] Key points of the technical solution: A fund clearing system based on NLP and fuzzy matching: Logical Connections and Intent Recognition: A virtual sub-account (VSA)-based accounting entity mapping system is constructed, breaking through the limitations of traditional reliance on fixed accounts. By establishing logical connections between VSAs and departments, projects, and cost centers, precise binding of funds and business dimensions is achieved.

[0088] Unstructured data processing: Natural language processing (NLP) technology is introduced to perform semantic understanding, keyword extraction, and spelling correction on unstructured and fuzzy text in bank notes / summaries.

[0089] Intelligent routing mechanism: Combining fuzzy matching algorithms and a priority rule base, it achieves intelligent clearing based on "payment intent." Even when faced with arbitrary or non-standard remarks from customers, it can accurately route funds to the corresponding cost center, significantly improving the automation rate of fund collection.

[0090] A two-way event-driven model for precise profit and loss allocation: End-to-end event monitoring: Design a high-frequency event listening gateway to capture bank arrival information (fund flow) and expense and profit events in real time, and achieve idempotent deduplication at the event level to ensure data uniqueness.

[0091] Two-way linkage allocation: Innovatively, both the "revenue flow (credit)" and "profit and loss flow (debit)" of the capital pool are treated as real-time events. A two-way linkage mechanism between fees and original transactions is established, and refined allocation logic is executed for different types of profits and losses (such as handling fees, exchange gains and losses, and interest).

[0092] Scientific Algorithm Support: A multi-factor profit and loss allocation model based on "transaction amount ratio" and "daily average capital occupation ratio" is adopted. In particular, the allocation of interest income ensures the scientific, fair, and equitable allocation of capital costs by calculating the average daily capital occupation of each accounting entity.

[0093] Data consistency guarantee mechanism in high-concurrency scenarios: Atomic transaction processing: For the extreme scenario of high-concurrency accounting in the fund sharing center, an update mechanism based on a combination of distributed locks (Redis / ZooKeeper) and database pessimistic locks was designed.

[0094] Thread safety control: An atomic balance update mechanism ensures thread safety for each VSA logical balance update during concurrent clearing of multiple incoming transactions within a very short period. This effectively prevents "overdraft" or "dirty data" issues caused by concurrency conflicts, ensuring strong consistency of accounting data.

[0095] Automated audit evidence chain integrating three flows: Full-process closed-loop management: The system automatically associates and packages "bank statements (fund flow)," "internal clearing records (information flow)," and "internal automatic accounting vouchers (accounting flow)" to generate standardized clearing and reconciliation packages.

[0096] Internal control and audit support: This mechanism simultaneously solidifies the physical flow, logical ownership, and final accounting of funds, achieving real-time synchronization and closed-loop management of fund flow and accounting flow. It not only provides a complete traceability path for the group's internal control of funds but also generates an immutable chain of evidence with internal audit value.

[0097] Technical effects: Clearing efficiency improved by 95%: After funds are received, the manual hourly clearing process is replaced by the system's second-level clearing and deposit.

[0098] Improved accounting accuracy: Enables refined management of cost allocation down to the cost center or project level, providing accurate data for internal performance evaluation and cost control within the group.

[0099] Enhanced Funds Control: By using VSA to monitor the funds used and balances of each department in real time, the group's centralized management of funds is strengthened.

[0100] Reduced financial risk: The system achieves automated reconciliation of cash flow, information flow, and accounting flow, significantly reducing errors caused by manual reconciliation.

[0101] Example 2: This invention also provides a corporate clearing and cost-sharing device based on virtual sub-accounts and capital pools. This device is mainly used to execute the corporate clearing and cost-sharing method based on virtual sub-accounts and capital pools provided in Embodiment 1 of this invention. The following is a detailed description of the corporate clearing and cost-sharing device based on virtual sub-accounts and capital pools provided in this invention.

[0102] Figure 2 This is a schematic diagram of a corporate clearing, settlement, and cost-sharing device based on virtual sub-accounts and a capital pool according to an embodiment of the present invention, as shown below. Figure 2 As shown, the device mainly includes: a construction unit 10, a capture and processing unit 20, a multi-level matching unit 30, an account transfer unit 40, and an allocation unit 50, wherein: The building unit is used to build a virtual sub-account system and a mapping rule base. The mapping rule base stores the mapping relationship between virtual sub-accounts and internal accounting dimensions, as well as matching rules based on the accounting information. The capture and processing unit is used to monitor the transaction flow of the parent account of the group's capital pool in real time, capture the original fund arrival events and original expense and profit events, and perform deduplication verification and information enrichment processing on the original fund arrival events and original expense and profit events to generate a standardized set of events to be processed. The multi-level matching unit is used to activate the intelligent clearing engine. It uses natural language processing technology to extract features and semantically recognize the unstructured postscript information of fund arrival events in the event set to be processed. Combined with the mapping rule base, it performs multi-level matching to determine the first target virtual sub-account to which the funds of each fund arrival event belong. The accounting transfer unit is used to acquire the distributed lock of the first target virtual sub-account and to atomically execute the internal accounting transfer between the parent account and the first target virtual sub-account based on the distributed lock; The allocation unit is used to calculate the cost and loss events in the event set to be processed based on a preset allocation factor algorithm, determine the second target virtual sub-account for cost bearing of each cost and loss event, quantify and allocate the cost and loss events to the second target virtual sub-account, thereby generating internal accounting vouchers containing fund clearing records and profit and loss allocation records.

[0103] This invention provides a corporate clearing, settlement, and cost allocation device based on virtual sub-accounts and a capital pool, comprising: constructing a virtual sub-account system and a mapping rule base, wherein the mapping rule base stores the mapping relationship between virtual sub-accounts and internal accounting dimensions, as well as matching rules based on incoming payment information; real-time monitoring of the transaction flow of the parent account of the group's capital pool, capturing original fund arrival events and original expense / profit events, and performing deduplication verification and information enrichment processing on the original fund arrival events and original expense / profit events to generate a standardized set of events to be processed; activating an intelligent clearing engine, using natural language processing technology to process the fund arrival events in the set of events to be processed. Unstructured postscript information is subjected to feature extraction and semantic recognition. Multi-level matching is performed in combination with mapping rule base to determine the first target virtual sub-account to which funds belong for each fund arrival event. The distributed lock of the first target virtual sub-account is acquired, and the internal accounting transfer between the parent account and the first target virtual sub-account is executed atomically based on the distributed lock. Based on the preset allocation factor algorithm, the expense and profit / loss events in the event set to be processed are calculated to determine the second target virtual sub-account to which the cost of each expense and profit / loss event is quantified and allocated to the second target virtual sub-account, thereby generating internal accounting vouchers containing fund clearing records and profit / loss allocation records. As described above, the corporate clearing and cost allocation device based on virtual sub-accounts and fund pools of the present invention solves the problems of low efficiency and error-proneness caused by the reliance on manual interpretation of notes in traditional solutions by constructing a virtual sub-account system and mapping rule base, and using natural language processing technology to perform semantic recognition and multi-level matching on unstructured notes. This achieves 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 avoiding the risk of accounting errors in high-concurrency scenarios. At the same time, the device performs refined calculation and quantitative allocation of expenses and profits based on a preset allocation factor algorithm, replacing the traditional extensive proportional allocation mode, and 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, and significantly improving the fund management efficiency and financial compliance level of group enterprises.

[0104] Optionally, the multi-level matching unit is also used to: perform word segmentation, spelling correction, and synonym mapping based on semantic vector similarity on the unstructured postscript information in the fund arrival event using a lightweight natural language processing model to obtain standardized semantic text; extract key business feature elements from the standardized semantic text using regular expressions or named entity recognition technology and construct them into key-value pairs to obtain a structured feature set; and, based on the structured feature set, the counterparty name in the fund arrival event, and the mapping rule base, execute the three-level matching logic in sequence, and generate a matching result identifier carrying the ID of the first target virtual sub-account when a match is successful at any level, thereby obtaining the first target virtual sub-account to which the funds belong in the fund arrival event.

[0105] Optionally, the three-level matching logic includes: detecting whether the unstructured postscript information or bank extended fields contain a predefined virtual sub-account dedicated identifier; if a virtual sub-account dedicated identifier is detected and is completely consistent with the virtual sub-account ID in the mapping rule base, then directly generating a matching result identifier carrying the virtual sub-account ID and terminating subsequent matching; comparing the key-value pairs in the structured feature set with the mapping rule base; if it is found that the value of the key in the key-value pair as the project number, contract number, or purchase order number matches any preset keyword combination rule in the mapping rule base, then obtaining the virtual sub-account ID associated with the keyword combination rule, generating a matching result identifier carrying the virtual sub-account ID, and terminating subsequent matching; calculating the similarity between the counterparty name in the fund arrival event and the historical counterparty whitelist in the mapping rule base; if the highest similarity reaches a preset threshold, then determining that the counterparty name matches a whitelist entry, and based on the specific internal accounting dimension and long-term cooperative customer identifier associated with the matched whitelist entry, obtaining the virtual sub-account ID corresponding to the specific internal accounting dimension, and generating a matching result identifier carrying the virtual sub-account ID.

[0106] Optionally, the capture and processing unit is also used to: extract the bank transaction number, transaction amount, and transaction time of the original fund arrival event or the original expense / profit event, and generate a unique event fingerprint based on the bank transaction number, transaction amount, and transaction time; query the preset fingerprint database to determine whether the unique event fingerprint already exists in the fingerprint database; if the unique event fingerprint already exists, determine that the original fund arrival event or the original expense / profit event is a duplicate event, discard the original fund arrival event or the original expense / profit event and generate a deduplication log, and terminate the subsequent clearing process; if the unique event fingerprint does not exist, store the unique event fingerprint in the fingerprint database and allow the original fund arrival event or the original expense / profit event to enter the subsequent information enrichment processing flow.

[0107] Optionally, the capture and processing unit is also used to: use the counterparty account in the original fund arrival event or original expense / profit event as a query index; based on the query index, access the group's internal customer master data system to retrieve customer master data records associated with the counterparty account; parse at least one extended attribute information from the retrieved customer master data records, including customer name, contract number, and purchase order number; inject the extended attribute information into the feature fields of the original fund arrival event or original expense / profit event to generate a standardized pending event carrying the extended attribute information for subsequent clearing and matching processes.

[0108] Optionally, the allocation unit is also used to: identify the event type of expense and loss events to obtain event types that include at least fee events, interest income events, and public expense events; and execute the corresponding allocation factor calculation logic according to the identified event type: if it is a fee event, the original transaction instruction corresponding to it is associated with the bank transaction number, and the proportion of the transaction amount of the original transaction instruction to the total amount of all associated original transaction instructions is used as the allocation factor; if it is an interest income event, the daily average balance method is used, and the proportion of the average capital occupation of each virtual sub-account during the interest period to the total average capital occupation of the capital pool is used as the allocation factor; if it is a public expense event, the proportion of the current balance of each virtual sub-account to the total balance of all virtual sub-accounts is used as the allocation factor; based on the calculated allocation factor, the second target virtual sub-account for bearing the cost of the expense and loss event is determined, and the amount of the expense and loss event is quantified and allocated to the second target virtual sub-account.

[0109] Optionally, the device is also used to: package internal accounting vouchers and original bank statements into a clearing and reconciliation package for reconciliation with bank statements, thereby achieving synchronization and consistency between cash flow and accounting flow.

[0110] The device provided in this embodiment of the invention has the same implementation principle and technical effect as the aforementioned method embodiment. For the sake of brevity, any parts not mentioned in the device embodiment can be referred to the corresponding content in the aforementioned method embodiment.

[0111] like Figure 3 As shown in the embodiment of this application, an electronic device 600 includes a processor 601, a memory 602, and a bus. The memory 602 stores machine-readable instructions executable by the processor 601. When the electronic device is running, the processor 601 and the memory 602 communicate via the bus. The processor 601 executes the machine-readable instructions to perform the steps of the above-described method for corporate clearing, settlement, and cost allocation based on virtual sub-accounts and fund pools.

[0112] Specifically, the aforementioned memory 602 and processor 601 can be general-purpose memory and processor, without any specific limitations. When the processor 601 runs the computer program stored in the memory 602, it can execute the aforementioned corporate clearing and settlement and cost allocation method based on virtual sub-accounts and fund pools.

[0113] The processor 601 may be an integrated circuit chip with signal processing capabilities. In implementation, each step of the above method can be completed by the integrated logic circuitry in the hardware of the processor 601 or by instructions in software form. The processor 601 may be a general-purpose processor, including a Central Processing Unit (CPU), a Network Processor (NP), etc.; it may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components. It can implement or execute the methods, steps, and logic block diagrams disclosed in the embodiments of this application. The general-purpose processor may be a microprocessor or any conventional processor. The steps of the methods disclosed in the embodiments of this application can be directly manifested as execution by a hardware decoding processor, or execution by a combination of hardware and software modules in the decoding processor. The software module can reside in a mature storage medium in the art, such as random access memory, flash memory, read-only memory, programmable read-only memory, electrically erasable programmable memory, or registers. This storage medium is located in memory 602, and processor 601 reads the information from memory 602 and, in conjunction with its hardware, completes the steps of the above method.

[0114] Corresponding to the above-mentioned corporate clearing and cost allocation method based on virtual sub-accounts and capital pools, this application embodiment also provides a computer-readable storage medium storing machine-executable instructions. When the machine-executable instructions are called and run by a processor, the machine-executable instructions cause the processor to perform the steps of the above-mentioned corporate clearing and cost allocation method based on virtual sub-accounts and capital pools.

[0115] The corporate clearing, settlement, and cost-sharing device based on virtual sub-accounts and capital pools provided in this application embodiment can be specific hardware on the device or software or firmware installed on the device. The implementation principle and technical effects of the device provided in this application embodiment are the same as those in the foregoing method embodiments. For the sake of brevity, any parts not mentioned in the device embodiment can be referred to the corresponding content in the foregoing method embodiments. Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, devices, and units described above can all be referred to the corresponding processes in the above method embodiments, and will not be repeated here.

[0116] In the embodiments provided in this application, it should be understood that the disclosed apparatus and methods can be implemented in other ways. The apparatus embodiments described above are merely illustrative. For example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. Furthermore, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Additionally, the displayed or discussed mutual couplings, direct couplings, or communication connections may be through some communication interfaces; indirect couplings or communication connections between devices or units may be electrical, mechanical, or other forms.

[0117] For example, the flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than those marked in the drawings. For example, two consecutive blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram and / or flowchart, and combinations of blocks in block diagrams and / or flowcharts, can be implemented using a dedicated hardware-based system that performs the specified function or action, or using a combination of dedicated hardware and computer instructions.

[0118] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0119] In addition, the functional units in the embodiments provided in this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0120] If the aforementioned functions are implemented as software functional units and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause an electronic device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the corporate clearing and cost allocation method based on virtual sub-accounts and fund pools described in the various embodiments of this application. The aforementioned storage medium includes: USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, optical disks, and other media capable of storing program code.

[0121] It should be noted that similar labels and letters in the following figures indicate similar items. Therefore, once an item is defined in one figure, it does not need to be further defined and explained in subsequent figures. In addition, the terms "first", "second", "third", etc. are used only to distinguish descriptions and should not be construed as indicating or implying relative importance.

[0122] Finally, it should be noted that the above-described embodiments are merely specific implementations of this application, used to illustrate the technical solutions of this application, and not to limit them. The protection scope of this application is not limited thereto. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that any person skilled in the art can still modify or easily conceive of changes to the technical solutions described in the foregoing embodiments, or make equivalent substitutions for some of the technical features, within the scope of the technology disclosed in this application; and these modifications, changes, or substitutions do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of this application. All should be covered within the protection scope of this application. Therefore, the protection scope of this application should be determined by the protection scope of the claims.

Claims

1. A corporate clearing, settlement, and cost allocation method based on virtual sub-accounts and a capital pool, characterized in that, include: Construct a virtual sub-account system and mapping rule base, wherein the mapping rule base stores the mapping relationship between virtual sub-accounts and internal accounting dimensions, as well as matching rules based on the accounting information; The system monitors the transaction flow of the parent account of the group's capital pool in real time, captures original fund arrival events and original expense and profit events, and performs deduplication verification and information enrichment processing on the original fund arrival events and original expense and profit events to generate a standardized set of events to be processed. The intelligent clearing engine is activated, and natural language processing technology is used to extract features and semantically recognize the unstructured postscript information of the fund arrival events in the set of events to be processed. Multi-level matching is performed in combination with the mapping rule base to determine the first target virtual sub-account to which the funds of each fund arrival event belong. Acquire the distributed lock of the first target virtual sub-account, and atomically execute the internal account transfer between the parent account and the first target virtual sub-account based on the distributed lock; Based on a preset allocation factor algorithm, the cost and loss events in the set of events to be processed are calculated to determine the second target virtual sub-account for bearing the cost of each cost and loss event. The cost and loss events are then quantified and allocated to the second target virtual sub-account, thereby generating an internal accounting voucher containing fund clearing records and profit and loss allocation records.

2. The method according to claim 1, characterized in that, Natural language processing techniques are used to extract features and perform semantic recognition on the unstructured postscript information of fund arrival events in the set of events to be processed. Multi-level matching is then performed using the mapping rule base to determine the first target virtual sub-account to which the funds belong for each fund arrival event, including: A lightweight natural language processing model is used to perform word segmentation, spelling correction, and synonym mapping based on semantic vector similarity on the unstructured postscript information in the fund arrival event to obtain standardized semantic text. Key business feature elements are extracted from the standardized semantic text using regular expressions or named entity recognition technology and constructed as key-value pairs to obtain a structured feature set. Based on the structured feature set, the counterparty name in the fund arrival event, and the mapping rule base, a three-level matching logic is executed sequentially. When a match is successful at any level, a matching result identifier carrying the ID of the first target virtual sub-account is generated, thereby obtaining the first target virtual sub-account to which the funds of the fund arrival event belong.

3. The method according to claim 2, characterized in that, The three-level matching logic includes: The system detects whether the unstructured remarks information or bank extended fields contain a predefined virtual sub-account identifier. If the virtual sub-account identifier is detected and is completely consistent with the virtual sub-account ID in the mapping rule base, a matching result identifier carrying the virtual sub-account ID is directly generated, and subsequent matching is terminated. The key-value pairs in the structured feature set are compared with the mapping rule base. If the value of the key-value pair with the key being project number, contract number or purchase order number matches any preset keyword combination rule in the mapping rule base, the virtual sub-account ID associated with the keyword combination rule is obtained, a matching result identifier carrying the virtual sub-account ID is generated, and subsequent matching is terminated. Calculate the similarity between the counterparty name in the fund arrival event and the historical counterparty whitelist in the mapping rule base; if the highest similarity reaches a preset threshold, it is determined that the counterparty name matches a whitelist entry, and based on the specific internal accounting dimension and long-term cooperative customer identifier associated with the matched whitelist entry, obtain the virtual sub-account ID corresponding to the specific internal accounting dimension, and generate a matching result identifier carrying the virtual sub-account ID.

4. The method according to claim 1, characterized in that, Perform deduplication checks on the original fund arrival event and the original expense / profit event, including: Extract the bank transaction number, transaction amount, and transaction time of the original fund arrival event or the original expense and profit event, and generate a unique event fingerprint based on the bank transaction number, the transaction amount, and the transaction time; Query the preset fingerprint database to determine whether the unique event fingerprint already exists in the fingerprint database; If the unique event fingerprint already exists, the original fund arrival event or the original expense and profit event is determined to be a duplicate event. The original fund arrival event or the original expense and profit event is discarded and a deduplication log is generated, terminating the subsequent clearing process. If the unique event fingerprint does not exist, the unique event fingerprint is stored in the fingerprint database, and the original fund arrival event or the original expense and profit event is allowed to enter the subsequent information enrichment processing flow.

5. The method according to claim 4, characterized in that, The information enrichment process is performed on the original fund arrival event and the original expense / profit event, including: Use the counterparty's account in the original fund arrival event or the original expense and profit event as the query index; Based on the query index, access the group's internal customer master data system and retrieve customer master data records associated with the counterparty's account; Parse at least one extended attribute from the customer name, contract number, and purchase order number from the retrieved customer master data records; The extended attribute information is injected into the feature fields of the original fund arrival event or the original expense and profit event to generate a standardized pending event carrying the extended attribute information for subsequent clearing and matching processes.

6. The method according to claim 1, characterized in that, Based on a preset allocation factor algorithm, the cost and loss events in the set of events to be processed are calculated to determine the second target virtual sub-account for cost bearing of each cost and loss event. The cost and loss events are then quantified and allocated to the second target virtual sub-account, including: The event types of the expense and profit / loss events are identified to obtain event types that include at least fee events, interest income events, and public expense events; Based on the identified event type, execute the corresponding allocation factor calculation logic: If it is the aforementioned fee event, then the original transaction instruction corresponding to it is associated with the bank transaction number, and the proportion of the transaction amount of the original transaction instruction to the total amount of all associated original transaction instructions is used as the apportionment factor. If it is the aforementioned interest income event, the daily average balance method is adopted, and the proportion of the average amount of funds occupied by each virtual sub-account during the interest period to the total average amount of funds occupied by the fund pool is used as the allocation factor. If it is a public expense event, the proportion of the current balance of each virtual sub-account to the total balance of all virtual sub-accounts shall be used as the allocation factor; Based on the calculated allocation factor, a second target virtual sub-account for bearing the cost of the expense and loss event is determined, and the amount of the expense and loss event is quantified and allocated to the second target virtual sub-account.

7. The method according to claim 1, characterized in that, The method further includes: The internal accounting vouchers and original bank statements are packaged into a clearing and reconciliation package for reconciliation with bank statements, thereby achieving synchronization and consistency between cash flow and accounting flow.

8. A corporate clearing, settlement, and cost-sharing device based on virtual sub-accounts and a capital pool, characterized in that, include: The construction unit is used to construct a virtual sub-account system and a mapping rule base, wherein the mapping rule base stores the mapping relationship between virtual sub-accounts and internal accounting dimensions, as well as matching rules based on the accounting information; The capture and processing unit is used to monitor the transaction flow of the parent account of the group's capital pool in real time, capture the original fund arrival events and the original expense and profit events, and perform deduplication verification and information enrichment processing on the original fund arrival events and the original expense and profit events to generate a standardized set of events to be processed. A multi-level matching unit is used to activate the intelligent clearing engine, use natural language processing technology to extract features and semantically recognize the unstructured postscript information of the fund arrival events in the set of events to be processed, and combine the mapping rule base to perform multi-level matching to determine the first target virtual sub-account to which the funds of each fund arrival event belong. The accounting transfer unit is used to acquire the distributed lock of the first target virtual sub-account and atomically execute the internal accounting transfer between the parent account and the first target virtual sub-account based on the distributed lock; The allocation unit is used to calculate the cost and loss events in the set of events to be processed based on a preset allocation factor algorithm, determine the second target virtual sub-account for bearing the cost of each cost and loss event, and quantify and allocate the cost and loss events to the second target virtual sub-account, thereby generating an internal accounting voucher containing fund clearing records and profit and loss allocation records.

9. An electronic device comprising a memory and a processor, wherein the memory stores a computer program executable on the processor, characterized in that, When the processor executes the computer program, it implements the method of any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program thereon, characterized in that, The computer program is executed by the processor to perform the method of any one of claims 1 to 7.

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