Interbank Funds Intelligent Dispatch System

Abstract

A cross-bank intelligent fund dispatching system includes a processing unit and a storage unit electrically connected to the processing unit. The processing unit is configured to: obtain multiple deposit interest rate records corresponding to multiple banking institutions; input these deposit interest rate records into an interest rate prediction model to obtain multiple predicted interest rate data output by the interest rate prediction model based on the deposit interest rate records, wherein the predicted interest rate data respectively correspond to the banking institutions; select two target account records from the multiple account records based on the predicted interest rate data, and perform a fund dispatching process involving cross-bank transfers using the two financial accounts corresponding to the two target account records.

Claims

1. A cross-bank intelligent fund dispatching system, comprising: a processing unit; and a storage unit electrically connected to the processing unit, storing a pre-trained interest rate prediction model and multiple account records corresponding to multiple financial accounts, wherein, Each account information indicates the corresponding account records of the financial account, which belong to the same user and are opened by multiple different banking institutions; the processing unit is used to: obtain multiple deposit interest rate records corresponding to the banking institutions, wherein each deposit interest rate record indicates the change of the corresponding banking institution's deposit interest rate over a historical period; input the deposit interest rate records into the interest rate prediction model to obtain multiple predicted interest rate data output by the interest rate prediction model based on the deposit interest rate records, wherein the predicted interest rate data corresponds to the banking institutions, and each predicted interest rate data indicates the predicted future interest rate value of the corresponding banking institution's deposit interest rate; and select two target account information from the account information based on the predicted interest rate data, and perform a fund transfer processing involving interbank transfers on the two financial accounts corresponding to the two target account information.

2. The interbank intelligent fund dispatch system as described in claim 1, wherein, The two target accounts correspond to a first target financial account with a lower predicted interest rate and a second target financial account with a higher predicted interest rate. The fund transfer process includes an interbank transfer transaction and a fixed deposit application transaction following the interbank transfer transaction. The interbank transfer transaction includes transferring a fund transfer amount from the first target financial account to the second target financial account. The fixed deposit application transaction includes using the fund transfer amount to execute a fixed deposit application process for setting up a fixed deposit transaction in the second target financial account.

3. The interbank intelligent fund dispatch system as described in claim 1, wherein: The processing unit is also used to determine whether a spread triggering condition is met based on the predicted interest rate data, wherein the spread triggering condition includes: the difference between the two deposit rates indicated by two of the predicted interest rate data is greater than or equal to a preset spread threshold; and the processing unit selects the two target account data and performs the fund allocation processing only when it determines that the spread triggering condition is met.

4. The interbank intelligent fund dispatch system as described in claim 1, wherein, The processing unit is also configured to: determine, based on the account information, whether the total interest amount of multiple interest payments deposited into any of the financial accounts over a past period is greater than or equal to a preset total interest threshold; and when the total interest amount is determined to be greater than or equal to the total interest threshold, concentrate the interest payments into one of the designated financial accounts, so that the interest payments are concentrated into an investment fund in the designated financial account, and use the investment fund in the designated financial account to perform a subscription process for an investment target.

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