CN101877107A - Conglomerate founds collecting service system and application method thereof - Google Patents
Conglomerate founds collecting service system and application method thereof Download PDFInfo
- Publication number
- CN101877107A CN101877107A CN201010149233XA CN201010149233A CN101877107A CN 101877107 A CN101877107 A CN 101877107A CN 201010149233X A CN201010149233X A CN 201010149233XA CN 201010149233 A CN201010149233 A CN 201010149233A CN 101877107 A CN101877107 A CN 101877107A
- Authority
- CN
- China
- Prior art keywords
- account
- fund
- bank
- collecting
- founds
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a conglomerate founds collecting service system which is established on the basis of an Internet banking base platform and is connected with each level of application system in a bank through internal interfaces, wherein the conglomerate founds collecting service system comprises an amount management module, an interest computing module, a load consigning module, a service inquiry module, an informing service module and a founds collecting module. Compared with the prior art, the invention has the advantages of managing the information and the account of branches of conglomerates, providing complete and consistent service to all organizations of the conglomerates, acting the settlement of the conglomerates and, and becoming the computing center of the conglomerates. Simultaneously, the service network of the Internet banking can become the internal computing network of the conglomerates and forms the base of the internal founds collecting service of the conglomerates.
Description
Technical field
The present invention relates to a kind of conglomerate founds collecting service system and application process thereof, especially relate to a kind of conglomerate founds collecting service system and application process thereof based on Web bank's basic platform.
Background technology
Web bank is a bank for the client provides the new tool of bank service, and it utilizes the Internet technology to provide comprehensive, unified, safe, real-time financial service for the client based on existing banking.Along with the development of Internet with popularize, Web bank becomes the focus that International Banks circle are paid close attention to rapidly as a kind of novel customer service mode.
Since 1999, the banks of China operational line has had significant development, and domestic Web bank also begins to show blank at present after exploration in a few years, and each tame bank has all released the Web bank's product of oneself one after another.China Merchants Bank is after abundant pilot, and formally having released quite has the online service of " multifunctional network " of characteristics; China Merchants Bank mainly contains family finance, on-line payment, account query, shopping online and payment etc. to personal user's business on the net; Have account query, payment account transfer, payroll credit and bank information service etc. in the service for corporate customers.The National Industrial and Commercial Bank of China is the breach with large-scale group customer financing with B to B on-line payment especially, and the network support that spreads all over the country is provided for enterprise's on line financing.Agricultural bank is a common customer, the individual client, and corporate client provides different types of Web bank service kind respectively.Bank of Communications has at first released feature richness at the demand of corporate client, especially at group customer public network is gone to bank, has released subsequently and has the foreign exchange treasured, the individual Web bank service system of characteristic services such as fund business.
We can see for example from top, each tame bank all the development of Web bank and marketing as improving the bank service level, strive for client's important process, and in the service kind of constantly strengthening and improve Web bank, release new business.
Fund collects and is meant in order to satisfy group customer and improves efficiency in the use of funds, reduce fund cost and strengthen demand the control of subordinate enterprise's fund, bank by the requirement of group customer regularly with all or part of other designated accounts that transfers to of the fund of designated account.And conglomerate has the organizational structure of a nationwide distribution usually, fund collects and also relates to a plurality of areas simultaneously, but all there are stronger management difficulty in the resource consolidation between each department, information management, and the fund that makes collects that operation comparatively bothers, efficient is lower.
Summary of the invention
At the deficiencies in the prior art, the technical matters that the present invention solves provides a kind of conglomerate founds collecting service system and application process thereof based on Web bank's basic platform, this system can set up the client information management system of full row, and the client who distributes for the whole nation on the level of full row provides unified financial service.
Purpose of the present invention realizes by following technical scheme is provided:
A kind of conglomerate founds collecting service system is set up based on the Web bank basic platform, and is connected with bank application systems at different levels by internal interface, and wherein, described conglomerate founds collecting service system comprises:
Be used to control the scale that single account collects fund in batches, for each account is provided with the nil-norm of remaining sum and the quota control module of numerical ceiling;
Be used for regularly on the fund of depositing and the fund set aside by the client set on deposit interest rate and a following stroke interest rate figures interest respectively, and do the interest computing module that interest is reallocated automatically;
Be used to make between the independent legal person fund under the nontrade item to collect and legalize, the fund between the independent legal person is collected again adjust by entrusted loan, and the entrusted loan module of the loan voucher of bulk print entrusted loan monthly;
The service inquiry module that is used for account balance inquiry, transaction detail query, returned ticket information inquiry and report;
The informing business module that is used for after business is finished proactive notification payee or payer;
And be used for automatically handling and fund that the manual process fund collects collects module.
Further, described Web bank basic platform comprises the client with the interaction of companies at different levels of enterprise, described client comprises house account's end and subsidiary company's client, described house account end and described subsidiary company client be by Internet connection and interactive communication, and described house account end is connected also interactive communication with described subsidiary company client by the internet with described conglomerate founds collecting service system.
Described conglomerate founds collecting service system connects bank's internal network system, and described bank internal network system comprises head office and branch, and described conglomerate founds collecting service system connects described head office, and connects described branch by described head office.
The present invention realizes by descending application process:
A kind of application process of conglomerate founds collecting service system is used to professional the collecting in real time of collecting money, and may further comprise the steps:
The first step, payer can be initiated payment transaction at the cabinet face, and inspection is not done by system, and beneficiary is a subsidiary company, and funds on account is to account, and the account is charged;
Second step, operation system check whether account balance transfinites, if in excess of the quota, then initiate the prompting transaction to Web bank, point out this enterprise account remaining sum to transfinite;
The 3rd step, Web bank obtain the information that the account of subsidiary company is transfinited, and then the fund of bank's initiation on the net collects transaction, remits account automatically to higher level Company Account, and its process is identical with the process of account transfer automatically.
A kind of application process of conglomerate founds collecting service system is used to professional the collecting in real time of collecting money, and may further comprise the steps:
If first step payer bank is on the net initiated payment transaction, beneficiary is a subsidiary company, and funds on account is to account, and the account is charged;
Second step, Web bank according to the balance amount information that returns, check account's limit of subsidiary company after the account of subsidiary company collects money credit, if transfinite, then initiate the transaction that collects of fund;
The 3rd step, Web bank's initiation fund collect transaction, remit account automatically to head office account, and its process is identical with the process of account transfer automatically.
A kind of application process of conglomerate founds collecting service system is used for collecting in real time of payment business, may further comprise the steps:
The first step, subsidiary company bank on the net initiate payment transaction, and account balance-transaction limit exceeds account's remaining sum limit section, less than minimum balance;
Second step, Web bank are according to the restriction of the account of subsidiary company minimum balance, and then to setting aside transaction to main office's initiation fund, the account remits money to subsidiary company;
The 3rd step, carry out payment business and collect processing.
A kind of application process of conglomerate founds collecting service system is used for collecting in batches, draws together following steps:
The first step, day whole the beginning;
Second step, Web bank generate the account query command file according to the account of group company relation, are split into the branch account inquiry file according to the branch that opens an account, and send branch, and file content is a corporate client number, account number;
To operation system is submitted the account query file by the 3rd step, branch;
The 4th step, operation system are carried out batch processing, return the account query destination file, and content is: customer ID, and account number, remaining sum, the sign that whether exceeds the quata, amount exceeds the quata; Return head office;
The 5th step, Web bank center concern according to group account, account's result queries file of branch, and unified generation fund collects command file, comprises upwards collecting and collect two files downwards;
The 6th step, transmission branch handle;
The 7th step, branch return the accounting checking file after handling;
The 8th step, head office's record flowing water.
Further, after described branch handles, return the reconciliation file after, head office carries out balance check earlier, writes down flowing water again.
A kind of application process of conglomerate founds collecting service system is used for fund and collects account transfer, may further comprise the steps:
The first step, when upwards collecting, Web bank generates group capital and upwards collects file according to account's corresponding relation of main office and subsidiary company, again each is splitted into branch's fund in lines and collects the account transfer file, the content of file comprises: subsidiary company's payment, bank of deposit's title, name in an account book, the amount of money, purposes, head office account, bank of deposit's title, name in an account book;
Second the step, when collecting downwards, Web bank generates group capital and upwards collects file according to account's corresponding relation of main office and subsidiary company, again each is splitted into branch's fund in lines and collects the account transfer file, the content of file comprises: company of main office payment, bank of deposit's title, name in an account book, Payment Amount, purposes, the account of subsidiary company, bank of deposit's title, name in an account book;
The 3rd step, Web bank center collect file to fund of each branch and send to branch, submit to operation system online or land processing by branch;
After the 4th step, account transfer were finished, the generation fund collected the accounting checking file, and Web bank fetches at the center and merges.
Further, when upwards collecting and collect downwards, if collect in batches, then file comprises the account transfer data of a plurality of companies, if collect the account transfer data that then only comprise certain group in real time.
Compared with prior art, the invention has the beneficial effects as follows: can provide the information of branch offices of conglomerate and account's management, the service of comprehensive unanimity can be provided for all structures of group simultaneously, act on behalf of conglomerate, bear the clearing clearance of conglomerate, become the settlement center of conglomerate, simultaneously, the service network of Web bank can become the cross charging network of conglomerate, constitutes conglomerate's internal finance and collects professional basis.
Description of drawings
The invention will be further described below in conjunction with accompanying drawing:
Fig. 1 is the network frame synoptic diagram of best mode for carrying out the invention.
Fig. 2 is the module map of best mode for carrying out the invention conglomerate founds collecting service system.
Embodiment
Following with reference to description of drawings preferred forms of the present invention.
Generally speaking, conglomerate's fund has collected two classes:
(1) collects in real time
When in the daytime gathering or payment transaction taking place, collect in real time, the fund of collecting in real time of being about to when depositing fund in collects the highest account in the graph of a relation, or when payment, earlier fund is collected the account that actual generation is paid from highest account, and then pay away from disbursement account.
(2) collect in batches during day whole batch processing
Collect graph of a relation according to fund and roll from bottom to top, step by step and collect, at last the fund fund of collecting is collected the highest account in the graph of a relation.When in batches collecting fund, earlier fund being collected higher level account from account's available balance greater than the account of subordinate of nil-norm, and then fund is collected the subordinate account of available balance less than numerical ceiling from higher level account, is 0 until higher level's account balance.
As shown in Figure 1, conglomerate founds collecting service system of the present invention on the net bank carry out fund when collecting business:
Professional being worked in coordination with by three individual system finished, one is the network system of bank inside, comprise head office and branch, Web bank has then set up the Web bank basic platform of an enterprise of connected clique and bank's internal network, by this Web bank's basic platform, can allow (main office of company at different levels of conglomerate, subsidiary company etc.) come the operation system of operated from a distance bank, wherein, this Web bank's basic platform comprises the client with the interaction of companies at different levels of enterprise again, by the internet this house account end is connected with the subsidiary company client, simultaneously, also this house account end is connected with conglomerate founds collecting service system with the subsidiary company client by the internet, but and interactive communication.Simultaneously, described conglomerate founds collecting service system connects the head office of described bank internal network system, and connects branch by this head office.
As shown in Figure 2, conglomerate founds collecting service system is based upon on Web bank's basic platform, also be an ingredient of bank system of web, it is connected with bank application systems at different levels by internal interface, and conglomerate founds collecting service system comprises following module:
(1) quota control module
In order to control the scale that single account collects fund in batches, the nil-norm and the numerical ceiling of remaining sum can be set for each account.When account's available balance during, exceed the nil-norm part and just collect to higher level account in batches greater than nil-norm; When account's available balance during less than numerical ceiling, collect fund in batches downwards by higher level account, reach numerical ceiling until account's available balance, nil-norm should be more than or equal to numerical ceiling.
(2) interest computing module
According to client's demand, the fund that system needs the accurate recording fund to collect between the account of the superior and the subordinate of back is deposited the relation of owing, i.e. the fund that collects only to higher level account of the account of subordinate, the fund of depositing on promptly; Or higher level account is to the fund that the account of subordinate collects only, the fund of promptly setting aside, and the fund of depositing on own can be drawn by subordinate, and the higher level can the above stroke of fund of oneself setting aside.
System can be regularly on the fund of depositing and the fund set aside by the client set on deposit interest rate and a following stroke interest rate figures interest respectively, and do the reallocation of interest automatically.Interest Calculation Method and deposit account interest Calculation Method are basic identical, but because the client can adjust interest rate in an interest-bearing cycle, so the way that the interest-bearing that fund collects should adopt segmentation to bear interest.
The reallocation of interest is meant the clearing and the clearance of interest receivable side and interest in red side's interest, interest reallocation also must collect the graph of a relation reallocation of rolling, step by step from bottom to top by the batch fund, be dispensed to highest account at last, during mass distributed, elder generation distributes the account's of subordinate of interest in red fund to higher level account, and then fund is distributed to the account of subordinate of interest receivable from higher level account.
(3) entrusted loan module
For being collected, the fund under the nontrade item legalizes, can collect again the fund between the independent legal person and adjust by entrusted loan, the fund between the primary and secondary account of being about to collects as being entrusted loan between subsidiary company and the parent company, and monthly the loan voucher of bulk print entrusted loan is given the clientage.
(4) service inquiry module
By the service inquiry module, can realize following function:
4.1 account balance inquiry
The client inquires about the account of our company (female account) remaining sum and available balance, the account of subsidiary/member companies (Sub-account) remaining sum and available balance, summary account remaining sum and available balance (being the account of our company and subsidiary/member companies's account balance sum and available balance sum).
4.2 transaction detail query
The client inquires about our company's account transaction detail, subsidiary/member companies's account transaction detail, gathers transaction details (gathering of our company and subsidiary/member companies's account transaction detail), transaction details comprises following content: trade date, date of value, daily record number, customer ID, payer's account number, name in an account book, bank of deposit, subsidiary/member companies's account number, name in an account book, payee's account number, name in an account book, bank of deposit, dealing money, the amount sign, voucher kind, number, summary.
4.3 returned ticket information inquiry and report
Returned ticket information comprises following content: bill kind, note number, bill Currency Type, the amount of the instrument, applicant for collection settle accounts account number and name in an account book, collection date, return ticket date, returned ticket reason.
(5) informing business module
Bank handles payment transaction (as online payment) the back proactive notification payee who is initiated by the client, or bank handles payment transaction (as check clearing) the back proactive notification payer who is initiated by bank, or bank handles the professional back proactive notification payee of credit clients' accounts.
The means of notice have Email, SMS, phone, or by and enterprise between special line etc.
Notice comprises following content: trade date, date of value, pay serial number by mails, payment Client Reference No., payer's account number, name in an account book, bank of deposit, payee's account number, name in an account book, bank of deposit, dealing money, voucher kind, number, summary, postscript etc.
(6) fund collects module
Fund collects to handle and is divided into two functions such as automatic processing and manual process.
Automatically processing can be supported three kinds of business: gathering collects in real time, paying the bill collects in real time, collects in batches, these three kinds of business all are that bank system of web automatically performs, when the account's of subsidiary company amount greater than the upper limit or less than down in limited time, Web bank initiates the account transfer instruction from the trend operation system, realizes collecting of fund.
Functions such as manual process is divided into company of subordinate processing capacity and higher level company processing capacity, and company of subordinate processing capacity is finished on the fund and deposited, fund is drawn business, and higher level company processing capacity is finished on the fund and drawn, fund is set aside.
By conglomerate founds collecting service system of the present invention can be to realize following business processing:
What (one) gathering was professional collects in real time
Enterprise can be according to the business setting of Web bank when receiving fund, and the fund of finishing automatically collects work, and the flow process of realization has two kinds, and a kind of for concluding the business in the initiation of cabinet face, second kind is the bank's initiation on the net of concluding the business.
1.1 the transaction that bank counter is initiated
The flow process of initiating at the cabinet face is:
A, payer can be initiated payment transaction at the cabinet face, and inspection is not done by system, and beneficiary is a subsidiary company, and funds on account is to account, and the account is charged;
B, operation system check whether account balance transfinites, if in excess of the quota, then initiate the prompting transaction to Web bank, point out this enterprise account remaining sum to transfinite;
C, Web bank obtain the information that the account of subsidiary company is transfinited, and then the fund of bank's initiation on the net collects transaction, remit account automatically to higher level Company Account, and its process is identical with the process of account transfer automatically.
1.2 the transaction of bank's initiation on the net
The treatment scheme of bank's initiation on the net is:
If a payer bank is on the net initiated payment transaction, beneficiary is a subsidiary company, and funds on account is to account, and the account is charged;
B, Web bank according to the balance amount information that returns, check account's limit of subsidiary company after the account of subsidiary company collects money credit, if transfinite, then initiate the transaction that collects of fund;
C, Web bank's initiation fund collect transaction, remit account automatically to head office account, and its process is identical with the process of account transfer automatically.
(2) payment business collects in real time
Enterprise can finish the business of alloting of fund automatically according to the business of bank's setting on the net when foreign payment.Situation is as follows:
At first, for the payment business of account balance in the amount limited field, then control is not done by system, handles according to the ta vservice of routine.
Secondly, for the payment business that exceeds the account balance limit, can unify regulation, bank handles on the net, for example the unified payment of finance and the unified network shopping business of enterprise.
Flow process is:
A, subsidiary company bank on the net initiate payment transaction, and account balance-transaction limit exceeds account's remaining sum limit section, less than minimum balance;
B, Web bank are according to the restriction of the account of subsidiary company minimum balance, and then to setting aside transaction to main office's initiation fund, the account remits money to subsidiary company;
C, the following processing that collects have dual mode, a kind of is the payment instruction that bank carries out subsidiary company earlier, finish the business of external payment, negative remaining sum may appear in this situation, and in formality, necessarily require main office that payment transaction is examined, main office remits account to subsidiary company afterwards, refills remaining sum; The second way is that main office remits account to subsidiary company earlier, finishes the payment instruction of subsidiary company behind the account again.
(3) collect in batches
The difference that collects and collect in real time is to be in batches, and for subsidiary company's gathering and the payment transaction done daytime, Web bank does not do and collects processing, at the day terminal hour, and the account balance of each group of batch query of Web bank, the fund of doing collects processing.Flow process is:
A, day whole the beginning;
B, Web bank generate the account query command file according to the account relation of group company, are split into the branch account inquiry file according to the branch that opens an account, and send branch, and file content is a corporate client number, account number;
To operation system is submitted the account query file by c, branch;
D, operation system are carried out batch processing, return the account query destination file, and content is: customer ID, account number, remaining sum, the sign that whether exceeds the quata, the amount that exceeds the quata (can be negative); Return head office;
E, Web bank center concern according to group account, account's result queries file of branch, and unified generation fund collects command file, comprises upwards collecting and collect two files downwards;
F, transmission branch handle;
G, branch return the accounting checking file after handling;
H, head office carry out balance check (if demand needs)
I, head office's record flowing water.
(4) fund collects account transfer
Realization flow is:
A, when upwards collecting, Web bank generates group capital and upwards collects file according to account's corresponding relation of main office and subsidiary company, again each is splitted into branch's fund in lines and collects the account transfer file, the content of file comprises: subsidiary company's payment, bank of deposit's title, name in an account book, the amount of money, purposes, head office account, bank of deposit's title, name in an account book.Here if collect in batches, then file comprises the account transfer data of a plurality of companies, if collect the account transfer data that then only comprise certain group in real time.
B, when collecting downwards, Web bank generates group capital and upwards collects file according to account's corresponding relation of main office and subsidiary company, again each is splitted into branch's fund in lines and collects the account transfer file, the content of file comprises: company of main office payment, bank of deposit's title, name in an account book, Payment Amount, purposes, the account of subsidiary company, bank of deposit's title, name in an account book.Here if collect in batches, then file comprises the account transfer data of a plurality of companies, if collect the account transfer data that then only comprise certain group in real time.
C, Web bank center collect file to fund of each branch and send to branch, submit to operation system online or land processing by branch;
After d, account transfer were finished, the generation fund collected the accounting checking file, and Web bank fetches at the center and merges.
It is to be noted: if the demand requirement, balance check can also be carried out to the account of each conglomerate in the Web bank center.
Although be the example purpose, preferred implementation of the present invention is disclosed, but those of ordinary skill in the art will recognize that under situation about not breaking away from by the disclosed scope and spirit of the present invention of appending claims, various improvement, increase and replacement are possible.
Claims (10)
1. conglomerate founds collecting service system is set up based on Web bank's basic platform, and is connected with bank application systems at different levels by internal interface, and it is characterized in that: described conglomerate founds collecting service system comprises:
Be used to control the scale that single account collects fund in batches, for each account is provided with the nil-norm of remaining sum and the quota control module of numerical ceiling;
Be used for regularly on the fund of depositing and the fund set aside by the client set on deposit interest rate and a following stroke interest rate figures interest respectively, and do the interest computing module that interest is reallocated automatically;
Be used to make between the independent legal person fund under the nontrade item to collect and legalize, the fund between the independent legal person is collected again adjust by entrusted loan, and the entrusted loan module of the loan voucher of bulk print entrusted loan monthly;
The service inquiry module that is used for account balance inquiry, transaction detail query, returned ticket information inquiry and report;
The informing business module that is used for after business is finished proactive notification payee or payer;
And be used for automatically handling and fund that the manual process fund collects collects module.
2. conglomerate founds collecting service system according to claim 1, it is characterized in that: described Web bank basic platform comprises the client with the interaction of companies at different levels of enterprise, described client comprises house account's end and subsidiary company's client, described house account end and described subsidiary company client be by Internet connection and interactive communication, and described house account end is connected also interactive communication with described subsidiary company client by the internet with described conglomerate founds collecting service system.
3. conglomerate founds collecting service system according to claim 2, it is characterized in that: described conglomerate founds collecting service system connects bank's internal network system, described bank internal network system comprises head office and branch, described conglomerate founds collecting service system connects described head office, and connects described branch by described head office.
4. the application process of a conglomerate founds collecting service system according to claim 1 is used to professional the collecting in real time of collecting money, and it is characterized in that, may further comprise the steps:
The first step, payer can be initiated payment transaction at the cabinet face, and inspection is not done by system, and beneficiary is a subsidiary company, and funds on account is to account, and the account is charged;
Second step, operation system check whether account balance transfinites, if in excess of the quota, then initiate the prompting transaction to Web bank, point out this enterprise account remaining sum to transfinite;
The 3rd step, Web bank obtain the information that the account of subsidiary company is transfinited, and then the fund of bank's initiation on the net collects transaction, remits account automatically to higher level Company Account, and its process is identical with the process of account transfer automatically.
5. the application process of a conglomerate founds collecting service system according to claim 1 is used to professional the collecting in real time of collecting money, and it is characterized in that, may further comprise the steps:
If first step payer bank is on the net initiated payment transaction, beneficiary is a subsidiary company, and funds on account is to account, and the account is charged;
Second step, Web bank according to the balance amount information that returns, check account's limit of subsidiary company after the account of subsidiary company collects money credit, if transfinite, then initiate the transaction that collects of fund;
The 3rd step, Web bank's initiation fund collect transaction, remit account automatically to head office account, and its process is identical with the process of account transfer automatically.
6. the application process of a conglomerate founds collecting service system according to claim 1 is used for collecting in real time of payment business, it is characterized in that, may further comprise the steps:
The first step, subsidiary company bank on the net initiate payment transaction, and account balance-transaction limit exceeds account's remaining sum limit section, less than minimum balance;
Second step, Web bank are according to the restriction of the account of subsidiary company minimum balance, and then to setting aside transaction to main office's initiation fund, the account remits money to subsidiary company;
The 3rd step, carry out payment business and collect processing.
7. the application process of a conglomerate founds collecting service system according to claim 1 is used for collecting in batches, it is characterized in that, may further comprise the steps:
The first step, day whole the beginning;
Second step, Web bank generate the account query command file according to the account of group company relation, are split into the branch account inquiry file according to the branch that opens an account, and send branch, and file content is a corporate client number, account number;
To operation system is submitted the account query file by the 3rd step, branch;
The 4th step, operation system are carried out batch processing, return the account query destination file, and content is: customer ID, and account number, remaining sum, the sign that whether exceeds the quata, amount exceeds the quata; Return head office;
The 5th step, Web bank center concern according to group account, account's result queries file of branch, and unified generation fund collects command file, comprises upwards collecting and collect two files downwards;
The 6th step, transmission branch handle;
The 7th step, branch return the accounting checking file after handling;
The 8th step, head office's record flowing water.
8. application process according to claim 7 is characterized in that: return the reconciliation file after described branch handles after, head office carries out balance check earlier, writes down flowing water again.
9. the application process of a conglomerate founds collecting service system according to claim 1 is used for fund and collects account transfer, it is characterized in that, may further comprise the steps:
The first step, when upwards collecting, Web bank generates group capital and upwards collects file according to account's corresponding relation of main office and subsidiary company, again each is splitted into branch's fund in lines and collects the account transfer file, the content of file comprises: subsidiary company's payment, bank of deposit's title, name in an account book, the amount of money, purposes, head office account, bank of deposit's title, name in an account book;
Second the step, when collecting downwards, Web bank generates group capital and upwards collects file according to account's corresponding relation of main office and subsidiary company, again each is splitted into branch's fund in lines and collects the account transfer file, the content of file comprises: company of main office payment, bank of deposit's title, name in an account book, Payment Amount, purposes, the account of subsidiary company, bank of deposit's title, name in an account book;
The 3rd step, Web bank center collect file to fund of each branch and send to branch, submit to operation system online or land processing by branch;
After the 4th step, account transfer were finished, the generation fund collected the accounting checking file, and Web bank fetches at the center and merges.
10. the application process of conglomerate founds collecting service system according to claim 9, be used for fund and collect account transfer, it is characterized in that, may further comprise the steps: when upwards collecting and collect downwards, if collect in batches, then file comprises the account transfer data of a plurality of companies, if collect the account transfer data that then only comprise certain group in real time.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010149233XA CN101877107A (en) | 2010-04-08 | 2010-04-08 | Conglomerate founds collecting service system and application method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010149233XA CN101877107A (en) | 2010-04-08 | 2010-04-08 | Conglomerate founds collecting service system and application method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101877107A true CN101877107A (en) | 2010-11-03 |
Family
ID=43019656
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201010149233XA Pending CN101877107A (en) | 2010-04-08 | 2010-04-08 | Conglomerate founds collecting service system and application method thereof |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101877107A (en) |
Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102999866A (en) * | 2012-12-10 | 2013-03-27 | 中国民生银行股份有限公司 | Fund collection method and system |
| CN103366306A (en) * | 2013-06-28 | 2013-10-23 | 中国工商银行股份有限公司 | Shared capital data processing device and use method thereof |
| CN104318473A (en) * | 2014-10-30 | 2015-01-28 | 中国建设银行股份有限公司 | Multi-stage funds management method and system |
| TWI619082B (en) * | 2016-08-29 | 2018-03-21 | Group relationship enterprise fund sharing method and system | |
| CN108876580A (en) * | 2018-07-06 | 2018-11-23 | 中国电力财务有限公司 | A kind of fund allocation and transfer method, system and client |
| WO2019037449A1 (en) * | 2017-08-24 | 2019-02-28 | 平安科技（深圳）有限公司 | Balance calculation method and apparatus based on cash sweep, terminal device and medium |
| CN109829815A (en) * | 2019-01-12 | 2019-05-31 | 杭州复杂美科技有限公司 | Receiving agent's method, equipment and storage medium |
| CN110597848A (en) * | 2019-08-06 | 2019-12-20 | 上海数据交易中心有限公司 | Data service settlement method and system, storage medium and server |
| WO2020006901A1 (en) * | 2018-07-02 | 2020-01-09 | 平安科技（深圳）有限公司 | Fund collection method and apparatus, computer device, and storage medium |
| CN111161048A (en) * | 2019-12-28 | 2020-05-15 | 浙江物产信息技术有限公司 | Application method and device for automatic posting of fund collection |
| CN111177364A (en) * | 2019-12-24 | 2020-05-19 | 远光软件股份有限公司 | Visual display method and device for fund state |
| CN111324649A (en) * | 2020-02-13 | 2020-06-23 | 山东浪潮通软信息科技有限公司 | Method for collecting internal transactions based on heterogeneous system |
| TWI720519B (en) * | 2018-08-27 | 2021-03-01 | 開曼群島商創新先進技術有限公司 | Amount settlement system and method |
| CN113793115A (en) * | 2021-08-17 | 2021-12-14 | 远光软件股份有限公司 | Enterprise fund pool management method, device, equipment and storage medium |
-
2010
- 2010-04-08 CN CN201010149233XA patent/CN101877107A/en active Pending
Cited By (18)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102999866A (en) * | 2012-12-10 | 2013-03-27 | 中国民生银行股份有限公司 | Fund collection method and system |
| CN103366306A (en) * | 2013-06-28 | 2013-10-23 | 中国工商银行股份有限公司 | Shared capital data processing device and use method thereof |
| CN103366306B (en) * | 2013-06-28 | 2016-05-18 | 中国工商银行股份有限公司 | Share fund data processing equipment and using method thereof |
| CN104318473A (en) * | 2014-10-30 | 2015-01-28 | 中国建设银行股份有限公司 | Multi-stage funds management method and system |
| TWI619082B (en) * | 2016-08-29 | 2018-03-21 | Group relationship enterprise fund sharing method and system | |
| WO2019037449A1 (en) * | 2017-08-24 | 2019-02-28 | 平安科技（深圳）有限公司 | Balance calculation method and apparatus based on cash sweep, terminal device and medium |
| CN108269182B (en) * | 2017-08-24 | 2021-04-02 | 平安科技（深圳）有限公司 | Balance calculation method and calculation equipment based on fund collection |
| WO2020006901A1 (en) * | 2018-07-02 | 2020-01-09 | 平安科技（深圳）有限公司 | Fund collection method and apparatus, computer device, and storage medium |
| CN108876580A (en) * | 2018-07-06 | 2018-11-23 | 中国电力财务有限公司 | A kind of fund allocation and transfer method, system and client |
| TWI720519B (en) * | 2018-08-27 | 2021-03-01 | 開曼群島商創新先進技術有限公司 | Amount settlement system and method |
| CN109829815A (en) * | 2019-01-12 | 2019-05-31 | 杭州复杂美科技有限公司 | Receiving agent's method, equipment and storage medium |
| CN110597848A (en) * | 2019-08-06 | 2019-12-20 | 上海数据交易中心有限公司 | Data service settlement method and system, storage medium and server |
| CN111177364A (en) * | 2019-12-24 | 2020-05-19 | 远光软件股份有限公司 | Visual display method and device for fund state |
| CN111177364B (en) * | 2019-12-24 | 2023-06-27 | 远光软件股份有限公司 | Visual display method and device for fund status |
| CN111161048A (en) * | 2019-12-28 | 2020-05-15 | 浙江物产信息技术有限公司 | Application method and device for automatic posting of fund collection |
| CN111161048B (en) * | 2019-12-28 | 2021-07-09 | 物产中大数字科技有限公司 | Application method and device for automatic posting of fund collection |
| CN111324649A (en) * | 2020-02-13 | 2020-06-23 | 山东浪潮通软信息科技有限公司 | Method for collecting internal transactions based on heterogeneous system |
| CN113793115A (en) * | 2021-08-17 | 2021-12-14 | 远光软件股份有限公司 | Enterprise fund pool management method, device, equipment and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101877107A (en) | Conglomerate founds collecting service system and application method thereof | |
| US5684965A (en) | Automated billing consolidation system and method | |
| US8626626B2 (en) | Method of and system for capturing interest earned on the monetary value of transferred monetary rights managed on an internet-based monetary rights transfer (MRT) network supported by a real-time gross settlement (RTGS) system | |
| CN109447769A (en) | A kind for the treatment of method and apparatus of financial data | |
| CN101840560A (en) | Electronic voucher purchase and payment system and method based on all-in-one card platform | |
| CN106203988A (en) | A kind of aggregate payment core system | |
| CN111027952A (en) | Unified payment system and method supporting intelligent energy service | |
| CN109615496A (en) | A kind of real-time management current account system and accounting method | |
| CN104680324A (en) | CMS credit information sharing management system and method | |
| CN101877104A (en) | Taxation service function system based on online banking and running method thereof | |
| US20030163418A1 (en) | Third party real-time multi-payment and remittance system | |
| CN101540032A (en) | Payment system and method of third-party payment platform based on HVPS system | |
| CN113191899A (en) | Fee management system | |
| CN111429261A (en) | Credit card information accounting method, system, terminal equipment and storage medium based on transaction | |
| JP4282882B2 (en) | Spending management system, spending management method, and storage medium | |
| CN102194197A (en) | Method for ensuring fulfillment of surety bond insurance contract | |
| CN109919798A (en) | A kind of Power Market lower class regional markets two-stage settlement method and system | |
| JP2002015137A (en) | Payment management system due to account transfer | |
| KR100826667B1 (en) | Tenant management system | |
| JP2003006444A (en) | Bank system with transfer and overseas remitting function | |
| CN115081999A (en) | Digital financial management method for EPC general packet enterprise project | |
| JP2001229284A (en) | Rate collection system for electricity, gas and water | |
| Menezes et al. | Evolution of payment system | |
| Balakrishnan | The effect of the adoption of emerging electronic payments options on improving working capital management and profitability of firms in India | |
| JP2002207952A (en) | System and method for suspense receipt management |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C12 | Rejection of a patent application after its publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20101103 |