CN111724161A

CN111724161A - Fund management method, device and system

Info

Publication number: CN111724161A
Application number: CN202010536361.3A
Authority: CN
Inventors: 高进超; 戈笑珊; 张佩; 贺琦; 王宇飞; 白晨辰; 佟庆涛
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp
Priority date: 2020-06-12
Filing date: 2020-06-12
Publication date: 2020-09-29

Abstract

The invention discloses a fund management method, device and system, and relates to the technical field of computers. The fund management method in one embodiment of the invention comprises the following steps: the first fund management device receives and stores the binding relationship between the case pushed by the second fund management device and the virtual sub-account; after the user carries out case fund payment through the virtual sub-account, the first fund management device merges the case fund to be paid to the entity main account which is set up by the user in the bank, generates a successful payment record aiming at the virtual sub-account used for case fund payment, and pushes a notice of case fund payment completion to the second fund management device. Through the steps, the effective management of capital of one case and one household is realized, the reliability of capital management is improved, the probability of account adjustment and account error in the financial transaction process is reduced, and the processing efficiency of capital management is improved.

Description

Fund management method, device and system

Technical Field

The invention relates to the technical field of computers, in particular to a fund management method, device and system.

Background

For clients in the field of politics and law such as public security, court, prison and the like, the clients have capital business handling requirements when handling cases. Typically, these customers will collect the funds of all cases uniformly into their funds-specific funds-holder opened at the bank, and manually bill each case offline. Taking a public security client as an example, the capital business handling process of a case aiming at a case by a case handling personnel comprises the following steps: manually inputting case information, printing legal documents, signing and stamping by law enforcement officers and financial departments respectively, carrying related documents by case handling personnel to a bank counter for payment or payment of case related funds, carrying bank receipt to enter cases and manually keeping accounts. Therefore, the whole process of the conventional fund business processing flow is completed in an offline manual mode, so that the disjointing of the fund flow and the information flow is caused, the processing efficiency is low, the management cost is high, the manual intervention and the operability are strong, the illegal activity of breaking the break is easy to occur, in addition, the unreliability of manual accounting information, the difficulty in wrong account and adjustment and the like cause a disordered situation on the fund supervision of the case, and the requirements of auditing and supervision on the fund supervision taking the case as a unit cannot be met.

In order to solve the above technical problems, there are two fund management schemes of "one case and one household" in the prior art: one is to realize the accounting of case funds through the transaction flow of special fund accounts issued by political and legal customers in banks; and the other method is to realize the accounting of case funds through one-user account. In the one-account system, both the main account and the sub-account have a settlement function, the main account can be used as a fund special account of a political and legal customer, the sub-account can be used as a special account of a case, the transaction information of the case is booked through the sub-account, and the fund is collected to the main account.

In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art: in the first existing scheme, matching and accounting of case funds are realized through transaction flow, and the first existing scheme has the following defects: the transaction flow has information loss, so that users who pay for each fund cannot be supervised, and the aim of fund supervision of one case and one household cannot be completely fulfilled; in the second conventional scheme, matching accounting of case funds is realized through one-user account, and the second conventional scheme has the following defects: the account design rule of the one-account is the mode of the main account plus the serial number, so that the condition that the corresponding relation between the case and the serial number is disordered is easily generated, and further the case money is easy to pay for the wrong account; in addition, the main account and the sub-account of one account can be used only by recording people, and the method is complex to open and has poor timeliness.

Disclosure of Invention

In view of the above, the present invention provides a method, an apparatus, and a system for fund management, which implement effective management of capital of "one case and one household", not only improve reliability of fund management, reduce probability of account adjustment and account error in the financial transaction process, but also improve processing efficiency of fund management.

To achieve the above object, according to a first aspect of the present invention, there is provided a fund management method.

The fund management method comprises the following steps: the first fund management device receives the binding relationship between the cases and the virtual sub-accounts pushed by the second fund management device and stores the binding relationship; the first fund management device is arranged at a bank end, and the second fund management device is arranged at a user end; the virtual sub-account is subordinate to an entity main account opened by a user in a bank; after the user carries out case fund payment through the virtual sub-account, the first fund management device merges the case fund to be paid into the entity main account which is set up by the user in the bank, generates a successful payment record aiming at the virtual sub-account used for case fund payment, and pushes a notice of case fund payment completion to the second fund management device.

Optionally, the method further comprises: before a user pays case funds through the virtual sub-account, the first fund management device receives case to-be-paid prompt information pushed by the second fund management device, inquires the binding relation according to case identification carried by the case to-be-paid prompt information so as to determine the virtual sub-account bound with the case, and then generates a to-be-paid record aiming at the virtual sub-account; the first fund management device generates a payment success record aiming at a virtual sub-account for fund payment, and the generation comprises the following steps: the first fund management device acquires a record to be paid of the virtual sub-account for fund payment, and updates the payment state of the record to be paid so as to obtain a successful payment record of the virtual sub-account for fund payment.

Optionally, the case identifier is obtained by encoding a real case number.

Optionally, the method further comprises: before the first fund management device receives the binding relationship between the case and the virtual sub-account pushed by the second fund management device, the first fund management device responds to an account opening request of a user, opens the virtual sub-account under an entity main account of the user, and pushes card number information of the virtual sub-account to the second fund management device, so that the first fund management device can generate the binding relationship between the case and the virtual sub-account.

To achieve the above object, according to a second aspect of the present invention, there is provided a fund management method.

The fund management method comprises the following steps: the second fund management device generates a binding relationship between the case and the virtual sub-account and pushes the binding relationship to the first fund management device; the second fund management device is arranged at the user side, and the first fund management device is arranged at the bank side; the virtual sub-account is subordinate to an entity main account opened by a user in a bank; and after the user carries out case fund payment through the virtual sub-account, the second fund management device receives the notice of case fund payment completion pushed by the first fund management device.

Optionally, the method further comprises: before the user carries out case fund payment through the virtual sub-account, the second fund management device responds to a case fund payment request of the user and carries out examination and approval on the case fund payment request; and under the condition that the case payment request is approved, the second fund management device pushes case to-be-paid prompt information to the first fund management device, so that the first fund management device generates a to-be-paid record aiming at the virtual sub-account according to the case to-be-paid prompt information.

Optionally, the method further comprises: and under the condition that the case fund payment request is approved, the second fund management device also generates a payment notice so that the user can pay the case fund according to the payment notice.

Optionally, the generating, by the second fund management device, a binding relationship between the case and the virtual sub-account, and pushing the binding relationship to the first fund management device includes: the second fund management device generates and stores a first binding relationship between the case and the virtual sub-account; wherein the first binding relationship comprises: the real case number and the virtual sub-account card number bound with the real case number; the second fund management device generates a second binding relationship between the case and the virtual sub-account according to the first binding relationship, and pushes the second binding relationship to the first fund management device; wherein the second binding relationship comprises: the case identification obtained by coding the real case number and the virtual sub-account card number bound with the case identification.

To achieve the above object, according to a third aspect of the present invention, there is provided a first money management apparatus.

The first fund management device is arranged at a bank end and comprises: the storage module is used for receiving the binding relationship between the case pushed by the second fund management device and the virtual sub-account and storing the binding relationship; the second fund management device is arranged at the user side; the virtual sub-account is subordinate to an entity main account opened by a user in a bank; the fund merging module is used for merging the case fund collected after the user collects the case fund through the virtual sub-account into an entity main account which is set by the user in a bank; and the accounting module is used for generating a successful payment record aiming at the virtual sub-account used for the case fund payment after the case fund to be paid is merged into the entity main account which is set by the user in the bank, and pushing a notice of the completion of the case fund payment to the second fund management device.

To achieve the above object, according to a fourth aspect of the present invention, there is provided a second money management device.

The second fund management device of the present invention is arranged at the user side, and comprises: the generation module is used for generating the binding relationship between the case and the virtual sub-account and pushing the binding relationship to the first fund management device; the first fund management device is arranged at a bank end; the virtual sub-account is subordinate to an entity main account opened by a user in a bank; and the receiving module is used for receiving the notice of completion of the case fund payment pushed by the first fund management device after the user pays the case fund through the virtual sub-account.

To achieve the above object, according to a fifth aspect of the present invention, there is provided a money management system.

The fund management system of the invention comprises: the system comprises a first fund management device arranged at a bank end and a second fund management device arranged at a user end; the second fund management device is used for generating a binding relationship between the case and the virtual sub-account and pushing the binding relationship to the first fund management device; the virtual sub-account is subordinate to an entity main account opened by a user in a bank; the first fund management device is used for receiving the binding relationship between the cases and the virtual sub-accounts pushed by the second fund management device and storing the binding relationship; the first fund management device is further used for merging the case fund collected after the user collects the case fund through the virtual sub-account into an entity main account which is set by the user in a bank, generating a successful payment record aiming at the virtual sub-account used for collecting the case fund, and pushing a notice of completion of the case fund collection to the second fund management device.

To achieve the above object, according to a sixth aspect of the present invention, there is provided an electronic apparatus.

The electronic device of the present invention includes: one or more processors; and storage means for storing one or more programs; when executed by the one or more processors, cause the one or more processors to implement the funds management methods of the present invention.

To achieve the above object, according to a seventh aspect of the present invention, there is provided a computer-readable medium.

The computer-readable medium of the present invention has stored thereon a computer program which, when executed by a processor, implements the funds management method of the present invention.

One embodiment of the above invention has the following advantages or benefits: the method comprises the steps of receiving and storing the binding relationship between cases and virtual sub-accounts pushed by a second fund management device through a first fund management device, merging the saved case funds to an entity main account set by a user in a bank by the first fund management device after the user pays the case funds through the virtual sub-accounts, generating a payment success record aiming at the virtual sub-accounts used for paying the case funds, and pushing a notice of completion of the case funds payment to the second fund management device, so that the effective management of the funds of one case and one user is realized, the reliability of the fund management is improved, the probability of account adjustment and misaccount in the financial transaction process is reduced, and the processing efficiency of the fund management is improved.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic main flow diagram of a funds management method according to a first embodiment of the present invention;

FIG. 2 is a schematic main flow diagram of a funds management method according to a second embodiment of the present invention;

FIG. 3 is a schematic main flow diagram of a fund management method according to a third embodiment of the present invention;

FIG. 4 is a schematic diagram of the main modules of a first funds management apparatus according to a fourth embodiment of the present invention;

FIG. 5 is a schematic diagram of the main modules of a second funds management apparatus according to a fifth embodiment of the present invention;

FIG. 6 is a schematic diagram of the main modules of a funds management system according to a sixth embodiment of the present invention;

FIG. 7 is a block diagram of a computer system suitable for use with the electronic device to implement an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

It should be noted that the embodiments and technical features of the embodiments of the present invention may be combined with each other without affecting the implementation of the present invention.

Fig. 1 is a main flow diagram of a fund management method according to a first embodiment of the present invention. The method of the embodiment of the invention is executed by a first fund management device arranged on one side of a bank. As shown in fig. 1, the fund management method according to the embodiment of the present invention includes:

step S101: and the first fund management device receives the binding relationship between the case pushed by the second fund management device and the virtual sub-account, and stores the binding relationship.

And the virtual sub-account is subordinate to an entity main account opened by a user in a bank. The virtual sub-account is that the virtual account is used as a sub-account, and the entity main account is that the entity account is used as a main account. The virtual account, which may also be called a non-entity account, has a main function of accounting and settlement, and is not an independent fund account for actually storing funds; the entity account is an independent fund account for actually storing funds. In particular, a user may open multiple virtual sub-accounts based on one entity main account. For example, for entity primary account 1, a user may open 10, 100, or more virtual sub-accounts under entity primary account 1.

In an alternative example, the virtual sub-account may further include the following two parts: contract account register book, virtual settlement E card; wherein, the contract account register is used for accounting use and can be defined as an accounting medium; the virtual settlement E card is used for settlement, and in addition, the virtual settlement E card also has one or more of functions of account inquiry, transfer, cash access, consumption, investment and financing and the like.

Wherein, the binding relationship between the case and the virtual sub-account comprises: case identification and virtual sub-account identification. Illustratively, the case identifier may be a real case number, or a character string obtained by encoding the real case number, or other information capable of uniquely identifying the case; the virtual sub-account identifier may be a card number of the virtual sub-account, or other information capable of uniquely identifying the virtual sub-account.

In step S101, the first fund management device receives a binding relationship between a case pushed by a second fund management device disposed on a side of a user (e.g., a user such as a public security, a court, a prison, etc.) and a virtual sub-account, and stores the binding relationship to the storage module. The storage module may be a database (such as a relational database such as Mysql, or a non-relational database) or other storage structure.

In the embodiment of the invention, by setting the virtual account system consisting of one main account and a plurality of virtual sub-accounts, multi-level filing is not needed, the efficiency of opening the account is improved, and the problems that the main sub-accounts of the account for one account can be used only by filing the human body, the opening is complex and the timeliness is poor in the prior art are solved; the case and the virtual sub-account are bound, so that the case and the virtual sub-account are integrated, the probability of account adjustment and error account in the financial transaction process is reduced, the quality of payment and payment of case is effectively improved, and the binding relation is stored in the user side and the bank side respectively, so that the user and the bank can manage the case funds respectively, and the reliability of fund management is improved.

Step S102: after the user carries out case fund payment through the virtual sub-account, the first fund management device merges the case fund paid into the entity main account which is set up by the user in the bank, generates a payment success record aiming at the virtual sub-account used for case fund payment, and pushes a notice of case fund payment completion to the second fund management device.

The method for the user to pay for the case funds through the virtual sub-account comprises at least one of the following steps: the user can go to a bank counter by himself to pay for the case funds, and pay for the case funds in an online transfer mode.

In step S102, after the user pays the case fund through the virtual sub-account, the first fund management device may query the card number of the entity main account to which the user belongs according to the card number of the virtual sub-account, merge the case fund paid by the user into the entity main account, and generate a successful payment record for the virtual sub-account, so as to realize that the fund flow is centralized to the fund special account for management, and the accounting information flow is managed by the virtual sub-account, and at the same time, because the virtual sub-account is bound to the case, the management of the accounting information flow of "one case and one user" is realized.

In another embodiment of the present invention, in addition to step S101 and step S102, the fund management method further includes the steps of: before a user pays case funds through the virtual sub-account, the first fund management device receives case to-be-paid prompt information pushed by the second fund management device, the first fund management device inquires the binding relation according to case identification carried by the case to-be-paid prompt information so as to determine the virtual sub-account bound with the case, and then generates a to-be-paid record aiming at the virtual sub-account. Through the steps, the information management of each node of the case payment processing flow is facilitated for the user side and the bank side, and the manual management cost of data and capital is saved.

In the embodiment of the invention, the effective management of capital of one case and one family is realized through the steps, so that the reliability of capital management is improved, the probability of account adjustment and account error in the accounting transaction process is reduced, and the processing efficiency of capital management is improved.

Fig. 2 is a main flow diagram of a fund management method according to a second embodiment of the present invention. The method of embodiments of the invention is performed by a second funds management apparatus arranged on the user's side. As shown in fig. 2, the fund management method according to the embodiment of the present invention includes:

step S201: and the second fund management device generates a binding relationship between the case and the virtual sub-account and pushes the binding relationship to the first fund management device.

In an alternative embodiment, step S201 includes: after a user configures the binding relationship between the case and the virtual sub-account through a visual interface, the binding relationship between the case configured by the user and the virtual sub-account is stored in a storage module, and the binding relationship between the case configured by the user and the virtual sub-account is pushed to a first fund management device positioned at one side of a bank. The binding relationship between the case configured by the user and the virtual account comprises the following steps: the real case number and the corresponding virtual sub-account card number.

In another alternative embodiment, step S201 includes: the second fund management device generates and stores a first binding relationship between the case and the virtual sub-account; wherein the first binding relationship comprises: the real case number and the virtual sub-account card number bound with the real case number; the second fund management device generates a second binding relationship between the case and the virtual sub-account according to the first binding relationship, and pushes the second binding relationship to the first fund management device; wherein the second binding relationship comprises: the case identification obtained by coding the real case number and the virtual sub-account card number bound with the case identification.

In the embodiment of the invention, by setting the virtual account system consisting of one main account and a plurality of virtual sub-accounts, multi-level filing is not needed, the efficiency of opening the account is improved, and the problems that the main sub-accounts of the account for one account can be used only by filing the human body, the opening is complex and the timeliness is poor in the prior art are solved; the case and the virtual sub-account are bound, so that the case and the virtual sub-account are integrated, the probability of account adjustment and error account in the financial transaction process is reduced, the quality of payment and payment of case is effectively improved, and the binding relation is stored in the user side and the bank side respectively, so that the user and the bank can manage the case funds respectively, and the reliability of fund management is improved. Furthermore, the binding relationship between the real case number and the virtual sub-account card number is stored in the first fund management device, and the binding relationship between the case identification obtained by coding the real case number and the virtual sub-account card number is stored in the second fund management device, so that the leakage of the real information of the case is avoided, and the safety of the fund management of the case is improved.

Step S202: and after the user carries out case fund payment through the virtual sub-account, the second fund management device receives the notice of case fund payment completion pushed by the first fund management device.

In step S202, after the user pays the case funds through the virtual sub-account, the second funds management device receives the notice of completion of the case funds payment pushed by the first funds management device, so that the user can know the latest progress of the case funds payment in time.

In another embodiment, the fund management method further includes step 203 and step 204 in addition to step S201 and step S202.

Step 203: before the user carries out case fund payment through the virtual sub-account, the second fund management device responds to a case fund payment request of the user and carries out examination and approval on the case fund payment request.

In an optional implementation manner of step S203, after the second fund management apparatus receives the case and fund payment request, the designated person approves the case and fund payment request. In particular, the second funds management device may open usage rights for different modules to users in different roles. For example, the authority of the case payment application module is opened to case handling personnel, and the authority of the examination and approval module is opened to financial personnel. Before the case fund is paid through the virtual sub-account, a case payment request is initiated by a case payment application module presented on the terminal equipment by a case clerk, the case clerk can examine and approve the case payment request through an examination and approval module presented on the terminal equipment, and an examination and approval result is sent to the terminal equipment corresponding to the case clerk.

In another optional implementation manner of step S203, after receiving the case payment request, the second fund management device automatically approves the case payment request by the program.

Further, under the condition that the case payment request is approved, executing step S204; and ending the processing flow when the case payment request fails to be approved.

Step S204: and under the condition that the case payment request is approved, the second fund management device pushes case to-be-paid prompt information to the first fund management device, so that the first fund management device generates a to-be-paid record aiming at the virtual sub-account according to the case to-be-paid prompt information.

For example, in step S204, the second fund management device may generate the prompt information of pending payment including the case identifier, the amount of money to be paid corresponding to the case, and the like, and push the prompt information of pending payment to the first fund management device located at the bank end. Further, under the condition that the case fund payment request examination and approval is passed, the second fund management device can also generate a payment notice so that the user can pay the case fund according to the payment notice.

Fig. 3 is a main flow diagram of a fund management method according to a third embodiment of the present invention. As shown in fig. 3, the fund management method according to the embodiment of the present invention includes:

step S301: the method comprises the steps that a first fund management device responds to an account opening request of a user, a virtual sub-account is opened under an entity account of the user, and card number information of the virtual sub-account is pushed to a second fund management device.

The first fund management device is arranged on the bank side, and the second fund management device is arranged on the user side. The entity main account is that an entity account is used as a main account, and the virtual sub-account is that a virtual account is used as a sub-account. Wherein, the entity account is an independent fund account for actually storing fund; the virtual account, which may also be referred to as a non-physical account, is mainly used for billing and settlement, and is not a separate fund account for actually storing funds. In particular implementation, a user may open multiple virtual sub-accounts based on one entity main account. For example, for entity primary account 1, a user may open 10, 100, or more virtual sub-accounts under entity primary account 1.

In the embodiment of the invention, by setting the virtual account system consisting of one main account and a plurality of virtual sub-accounts, multi-level filing is not needed, the efficiency of opening the account is improved, and the problems that the main sub-accounts of the account for one account can be used only by filing the account for one user, the opening is complex and the timeliness is poor in the prior art are solved. Furthermore, the card number information of the virtual sub-accounts is pushed to the second fund management device, so that the subsequent second fund management device can conveniently and rapidly generate the binding relationship between the cases and the virtual accounts according to the card number information of the virtual sub-accounts, and the processing efficiency of fund management is improved.

Step S302: and the second fund management device generates a binding relationship between the case and the virtual sub-account and pushes the binding relationship to the first fund management device.

In an alternative embodiment, step S302 includes: after a user configures the binding relationship between the case and the virtual sub-account through a visual interface, the binding relationship between the case configured by the user and the virtual sub-account is stored in a storage module, and the binding relationship between the case configured by the user and the virtual sub-account is pushed to a first fund management device positioned at one side of a bank. The binding relationship between the case configured by the user and the virtual account comprises the following steps: the real case number and the corresponding virtual sub-account card number.

In another alternative embodiment, step S302 includes: the second fund management device generates and stores a first binding relationship between the case and the virtual sub-account; wherein the first binding relationship comprises: the real case number and the virtual sub-account card number bound with the real case number; the second fund management device generates a second binding relationship between the case and the virtual sub-account according to the first binding relationship, and pushes the second binding relationship to the first fund management device; wherein the second binding relationship comprises: the case identification obtained by coding the real case number and the virtual sub-account card number bound with the case identification.

In the embodiment of the invention, the case and the virtual sub-account are integrated by binding the case and the virtual sub-account, so that the probability of account adjustment and account error in the financial transaction process is reduced, the payment and payment quality of the case is effectively improved, and the binding relationship is respectively stored in the user side and the bank side, so that the user and the bank can respectively manage the case funds, and the reliability of fund management is improved. Furthermore, the binding relationship between the real case number and the virtual sub-account card number is stored in the first fund management device, and the binding relationship between the case identification obtained by coding the real case number and the virtual sub-account card number is stored in the second fund management device, so that the leakage of the real information of the case is avoided, and the safety of the fund management of the case is improved.

Step S303: and the first fund management device receives the binding relationship between the case pushed by the second fund management device and the virtual sub-account, and stores the binding relationship.

In step S303, the first fund management device receives a binding relationship between a case pushed by a second fund management device disposed on a side of a user (e.g., a user such as a public security, a court, a prison, etc.) and a virtual sub-account, and stores the binding relationship to the storage module. The storage module may be a database (such as a relational database such as Mysql, or a non-relational database) or other storage structure.

Step S304: and the second fund management device responds to the case and fund payment request of the user and examines and approves the case and fund payment request.

For example, after receiving the case payment request, the second fund management device is examined and approved by a designated person. In particular, the second funds management device may open usage rights for different modules to users in different roles. For example, the authority of the case payment application module is opened to case handling personnel, and the authority of the examination and approval module is opened to financial personnel. Before the case fund is paid through the virtual sub-account, a case payment request is initiated by a case payment application module presented on the terminal equipment by a case clerk, the case clerk can examine and approve the case payment request through an examination and approval module presented on the terminal equipment, and an examination and approval result is sent to the terminal equipment corresponding to the case clerk.

Step S305: and under the condition that the case payment request is approved, the second fund management device pushes case to-be-paid prompt information to the first fund management device.

Wherein, the prompt message of waiting to pay includes: case identification and the amount of money to be paid corresponding to the case. Further, under the condition that the case fund payment request examination and approval is passed, the second fund management device can also generate a payment notice so that the user can pay the case fund according to the payment notice.

Step S306: and the first fund management device inquires the binding relation according to the case identification carried by the case payment prompting information so as to determine the virtual sub-account bound with the case, and then generates a payment record aiming at the virtual sub-account.

In the embodiment of the invention, through the steps 304 to 306, the information management of each node of the case payment processing flow is facilitated for the user side and the bank side, and the manual management cost of data and fund is saved.

Step S307: after the user carries out case fund payment through the virtual sub-account, the first fund management device merges the case fund to be paid into the entity main account which is set up by the user in the bank, generates a successful payment record aiming at the virtual sub-account used for case fund payment, and pushes a notice of case fund payment completion to the second fund management device.

In step S307, the first fund management device may query the card number of the entity main account to which the first fund management device belongs according to the card number of the virtual sub-account, merge the case fund paid by the user into the entity main account, and generate a successful payment record for the virtual sub-account, so as to realize that the fund flow is centralized to the fund special account for management, and the accounting information flow performs accounting management through the virtual sub-account, and at the same time, because the virtual sub-account is bound to the case, the accounting information flow management of "one case and one account" is realized.

In an optional embodiment, the first fund management device generating the payment success record for the virtual sub-account for fund payment comprises: the first fund management device acquires a record of payment pending of the virtual sub-account for fund payment, and updates the payment status of the record of payment pending (for example, changes the payment status of the record of payment pending from "payment pending" to "paid"), so as to obtain a successful payment record of the virtual sub-account for fund payment.

In the embodiment of the invention, the effective management of capital of one case and one family is realized through the steps. Compared with the prior art, the method provided by the embodiment of the invention at least has the following advantages: the method realizes a virtual account fund accounting management mode of case dimensionality, and collects actual funds into a case-related fund special account, thereby realizing the effective management of 'one case and one account' of case information flow and fund flow. The clear account keeping of cases and funds is promoted, and the supervision regulation of 'one case and one family' is met; the probability of account adjustment and account error in the account transaction process is reduced, the case payment and payment quality is effectively improved, the management of online funds and information flow is enhanced, the reliability of the data and fund accounts is greatly improved, and the management cost of the data and the funds is saved.

FIG. 4 is a schematic diagram of the main blocks of a first funds management apparatus according to a fourth embodiment of the present invention. As shown in fig. 4, the first fund management device 400 according to the embodiment of the present invention is provided at the bank end, and includes: a saving module 401, a fund merging module 402 and a billing module 403.

The saving module 401 is configured to receive a binding relationship between a case pushed by the second fund management apparatus and the virtual sub-account, and save the binding relationship.

Illustratively, the saving module 401 receives a binding relationship between a case pushed by a second money management device disposed on the side of a user (e.g., a user such as a public security, a court, a prison, etc.) and a virtual sub-account, and saves the binding relationship to the storage module. The storage module may be a database (such as a relational database such as Mysql, or a non-relational database) or other storage structure.

And the fund merging module 402 is configured to merge the saved case fund into an entity main account set by the user in a bank after the user pays the case fund through the virtual sub-account.

For example, after the user pays the case funds through the virtual sub-account, the fund merging module 402 may query the card number of the entity main account to which the user belongs according to the card number of the virtual sub-account, and merge the case funds paid by the user into the entity main account, so as to realize that the fund flow is concentrated to the fund special account for management.

The accounting module 403 is configured to generate a payment success record for the virtual sub-account used for case fund payment after merging the case fund to be paid into the entity main account set by the user in the bank, and push a notice of completion of case fund payment to the second fund management device.

In the embodiment of the present invention, a payment success record for the virtual sub-account is generated by the accounting module 403, so as to implement accounting management of the accounting information flow through the virtual sub-account, and meanwhile, as the virtual sub-account is bound with the case, accounting information flow management of "one case and one family" is implemented.

In another embodiment of the present invention, the accounting module 403 is further operable to: and before the user pays the case funds through the virtual sub-account, receiving case to-be-paid prompt information pushed by a second fund management device, inquiring the binding relationship according to case identification carried by the case to-be-paid prompt information so as to determine the virtual sub-account bound with the case, and then generating a to-be-paid record aiming at the virtual sub-account. The functions realized by the accounting module are beneficial to information management of each node of the case payment processing flow by the user side and the bank side, and the manual management cost of data and capital is saved.

In the device of the embodiment of the invention, the module realizes the effective management of capital of one case and one family, thereby not only improving the reliability of capital management, reducing the probability of account adjustment and account error in the accounting transaction process, but also improving the processing efficiency of capital management.

Fig. 5 is a schematic view of the main blocks of a second money management apparatus according to a fifth embodiment of the present invention. As shown in fig. 5, the second fund management device 500 according to the embodiment of the present invention is disposed at the user side, and includes: a generating module 501 and a receiving module 502.

The generating module 501 is configured to generate a binding relationship between a case and a virtual sub-account, and push the binding relationship to a first fund management device.

The first fund management device is arranged at a bank end; the virtual sub-account is subordinate to an entity main account opened by a user in a bank. The virtual sub-account is that the virtual account is used as a sub-account, and the entity main account is that the entity account is used as a main account. The virtual account, which may also be called a non-entity account, has a main function of accounting and settlement, and is not an independent fund account for actually storing funds; the entity account is an independent fund account for actually storing funds. In particular, a user may open multiple virtual sub-accounts based on one entity main account. For example, for entity primary account 1, a user may open 10, 100, or more virtual sub-accounts under entity primary account 1.

In an alternative embodiment, the generating module 501 generates the binding relationship between the case and the virtual sub-account, and pushes the binding relationship to the first fund management device includes: after the user configures the binding relationship between the case and the virtual sub-account through the visual interface, the generating module 501 stores the binding relationship between the case configured by the user and the virtual sub-account in the storage module, and pushes the binding relationship between the case configured by the user and the virtual sub-account to the first fund management device located on the bank side. The binding relationship between the case configured by the user and the virtual account comprises the following steps: the real case number and the corresponding virtual sub-account card number.

In another alternative embodiment, the generating module 501 generates a binding relationship of a case with a virtual sub-account, and pushing the binding relationship to the first funds management apparatus includes: the generating module 501 generates and stores a first binding relationship between a case and a virtual sub-account; wherein the first binding relationship comprises: the real case number and the virtual sub-account card number bound with the real case number; the generating module 501 generates a second binding relationship between the case and the virtual sub-account according to the first binding relationship, and pushes the second binding relationship to the first fund management device; wherein the second binding relationship comprises: the case identification obtained by coding the real case number and the virtual sub-account card number bound with the case identification.

A receiving module 502, configured to receive a case fund payment completion notification pushed by the first fund management device after the user pays the case fund through the virtual sub-account.

In the embodiment of the present invention, after the user pays the case funds through the virtual sub-account, the second funds management device receives the notice of completion of the case funds payment pushed by the first funds management device through the receiving module 502, so that the user can know the latest progress of the case funds payment in time.

FIG. 6 is a schematic diagram of the main modules of a funds management system according to a sixth embodiment of the present invention. As shown in fig. 6, a fund management system 600 according to an embodiment of the present invention includes: a first funds management device 601, a second funds management device 602. The first fund management device 601 is disposed at the bank end, and the second fund management device 602 is disposed at the user end.

The second fund management device 602 is configured to generate a binding relationship between the case and the virtual sub-account, and push the binding relationship to the first fund management device 601.

The first fund management device 601 is configured to receive the binding relationship between the case pushed by the second fund management device 602 and the virtual sub-account, and store the binding relationship.

Illustratively, the first fund management device 601 receives a binding relationship between a case pushed by the second fund management device 602 disposed on the side of a user (such as a user of a public security, a court, a prison, etc.) and a virtual sub-account, and saves the binding relationship to the storage module. The storage module may be a database (such as a relational database such as Mysql, or a non-relational database) or other storage structure.

The first fund management device 601 is further configured to, after the user pays the case fund through the virtual sub-account, merge the paid case fund into an entity main account set by the user in the bank, generate a payment success record for the virtual sub-account used for paying the case fund, and push a notice of completion of the case fund payment to the second fund management device 602.

For example, after the user pays the case fund through the virtual sub-account, the first fund management device 601 may query the card number of the entity main account to which the user belongs according to the card number of the virtual sub-account, merge the case fund paid by the user into the entity main account, and generate a successful payment record for the virtual sub-account, so as to realize that the fund flow is centralized to the fund special account for management, and the accounting information flow is managed by the virtual sub-account, and at the same time, because the virtual sub-account is bound to the case, the management of the accounting information flow of "one case and one user" is realized.

In the embodiment of the invention, the system realizes the effective management of capital of one case and one family, thereby not only improving the reliability of capital management, reducing the probability of account adjustment and account error in the accounting transaction process, but also improving the processing efficiency of capital management.

Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with the electronic device implementing an embodiment of the present invention. The computer system illustrated in FIG. 7 is only an example and should not impose any limitations on the scope of use or functionality of embodiments of the invention.

As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM703, various programs and data necessary for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.

The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.

In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 701.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor comprises a saving module, a fund merging module and an accounting module. Where the names of these modules do not in some cases constitute a limitation on the modules themselves, for example, a save module may also be described as a "module that saves bindings.

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to perform the following: the first fund management device receives the binding relationship between the cases and the virtual sub-accounts pushed by the second fund management device and stores the binding relationship; the first fund management device is arranged at a bank end, and the second fund management device is arranged at a user end; the virtual sub-account is subordinate to an entity main account opened by a user in a bank; after the user carries out case fund payment through the virtual sub-account, the first fund management device merges the case fund to be paid into the entity main account which is set up by the user in the bank, generates a successful payment record aiming at the virtual sub-account used for case fund payment, and pushes a notice of case fund payment completion to the second fund management device.

According to the technical scheme of the embodiment of the invention, the effective management of capital of one case and one family is realized, the reliability of capital management is improved, the probability of account adjustment and account error in the accounting transaction process is reduced, and the processing efficiency of capital management is improved.

The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method of fund management, the method comprising:

the first fund management device receives the binding relationship between the cases and the virtual sub-accounts pushed by the second fund management device and stores the binding relationship; the first fund management device is arranged at a bank end, and the second fund management device is arranged at a user end; the virtual sub-account is subordinate to an entity main account opened by a user in a bank;

after the user carries out case fund payment through the virtual sub-account, the first fund management device merges the case fund to be paid into the entity main account which is set up by the user in the bank, generates a successful payment record aiming at the virtual sub-account used for case fund payment, and pushes a notice of case fund payment completion to the second fund management device.

2. The method of claim 1, further comprising:

before a user pays case funds through the virtual sub-account, the first fund management device receives case to-be-paid prompt information pushed by the second fund management device, inquires the binding relation according to case identification carried by the case to-be-paid prompt information so as to determine the virtual sub-account bound with the case, and then generates a to-be-paid record aiming at the virtual sub-account;

the first fund management device generates a payment success record aiming at a virtual sub-account for fund payment, and the generation comprises the following steps: the first fund management device acquires a record to be paid of the virtual sub-account for fund payment, and updates the payment state of the record to be paid so as to obtain a successful payment record of the virtual sub-account for fund payment.

3. The method according to claim 2, wherein said case identification is obtained by encoding the real case number.

4. The method of any of claims 1 to 3, further comprising:

before the first fund management device receives the binding relationship between the case and the virtual sub-account pushed by the second fund management device, the first fund management device responds to an account opening request of a user, opens the virtual sub-account under an entity main account of the user, and pushes card number information of the virtual sub-account to the second fund management device, so that the first fund management device can generate the binding relationship between the case and the virtual sub-account.

5. A method of fund management, the method comprising:

the second fund management device generates a binding relationship between the case and the virtual sub-account and pushes the binding relationship to the first fund management device; the second fund management device is arranged at the user side, and the first fund management device is arranged at the bank side; the virtual sub-account is subordinate to an entity main account opened by a user in a bank;

and after the user carries out case fund payment through the virtual sub-account, the second fund management device receives the notice of case fund payment completion pushed by the first fund management device.

6. The method of claim 5, further comprising:

before the user carries out case fund payment through the virtual sub-account, the second fund management device responds to a case fund payment request of the user and carries out examination and approval on the case fund payment request;

and under the condition that the case payment request is approved, the second fund management device pushes case to-be-paid prompt information to the first fund management device, so that the first fund management device generates a to-be-paid record aiming at the virtual sub-account according to the case to-be-paid prompt information.

7. The method of claim 6, further comprising:

and under the condition that the case fund payment request is approved, the second fund management device also generates a payment notice so that the user can pay the case fund according to the payment notice.

8. The method of any of claims 5 to 7, wherein the second funds management device generating a binding of the case to the virtual sub-account and pushing the binding to the first funds management device comprises:

the second fund management device generates and stores a first binding relationship between the case and the virtual sub-account; wherein the first binding relationship comprises: the real case number and the virtual sub-account card number bound with the real case number; the second fund management device generates a second binding relationship between the case and the virtual sub-account according to the first binding relationship, and pushes the second binding relationship to the first fund management device; wherein the second binding relationship comprises: the case identification obtained by coding the real case number and the virtual sub-account card number bound with the case identification.

9. A first funds management apparatus, the apparatus being located at a bank end, comprising:

the storage module is used for receiving the binding relationship between the case pushed by the second fund management device and the virtual sub-account and storing the binding relationship; the second fund management device is arranged at the user side; the virtual sub-account is subordinate to an entity main account opened by a user in a bank;

the fund merging module is used for merging the case fund collected after the user collects the case fund through the virtual sub-account into an entity main account which is set by the user in a bank;

and the accounting module is used for generating a successful payment record aiming at the virtual sub-account used for the case fund payment after the case fund to be paid is merged into the entity main account which is set by the user in the bank, and pushing a notice of the completion of the case fund payment to the second fund management device.

10. A second fund management device, wherein the second fund management device is disposed at a user side, and comprises:

the generation module is used for generating the binding relationship between the case and the virtual sub-account and pushing the binding relationship to the first fund management device; the first fund management device is arranged at a bank end; the virtual sub-account is subordinate to an entity main account opened by a user in a bank;

and the receiving module is used for receiving the notice of completion of the case fund payment pushed by the first fund management device after the user pays the case fund through the virtual sub-account.

11. A funds management system, the system comprising: the system comprises a first fund management device arranged at a bank end and a second fund management device arranged at a user end;

the second fund management device is used for generating a binding relationship between the case and the virtual sub-account and pushing the binding relationship to the first fund management device; the virtual sub-account is subordinate to an entity main account opened by a user in a bank;

the first fund management device is used for receiving the binding relationship between the cases and the virtual sub-accounts pushed by the second fund management device and storing the binding relationship;

the first fund management device is further used for merging the case fund collected after the user collects the case fund through the virtual sub-account into an entity main account which is set by the user in a bank, generating a successful payment record aiming at the virtual sub-account used for collecting the case fund, and pushing a notice of completion of the case fund collection to the second fund management device.

12. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-4, 5-8.

13. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-4, 5-8.