CN113191864A - Management system for tender-bidding service deposit account and using method thereof - Google Patents
Management system for tender-bidding service deposit account and using method thereof Download PDFInfo
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Abstract
The invention relates to the field of payment system structures, schemes or protocols, in particular to a management system of a tender and bid service deposit account and a using method thereof. A use method of a management system of a tender and bid service deposit account is characterized in that: the method is implemented in sequence according to the following steps: the method comprises the steps of firstly, establishing a special household, establishing a virtual household, configuring the virtual household, fourthly, paying, refunding, accounting and inquiring. The invention has timely information acquisition and effective monitoring and early warning.
Description
Technical Field
The invention relates to the field of payment system structures, schemes or protocols, in particular to a management system of a tender and bid service deposit account and a using method thereof.
The present invention relates to a system and method for guaranteeing financial settlement and account design, and more particularly, to a system and method for guaranteeing financial settlement and account design, which is applicable to the field of bidding industry.
Background
The bidding industry generally has the characteristics of large amount of service for collecting and returning settlement of the deposit, small amount of money, more bidders and the like. A medium-large tenderer has about 1 ten thousand project bidding sections per year, 3-5 bidders under each project bidding section need to process settlement services of 6-10 thousand payoffs received and returned per year on average, the settlement efficiency of the payoffs in the traditional tenderer industry is extremely low, and in a manual mode, one payoff is received and returned, at least 15 processes are needed, and at least 1 month is spent before and after the payoff.
The general process of settlement of the traditional tender industry deposit is as follows: after a bidder participates in a bid, paying to a tenderer through an internet bank, needing to tender information such as a mark number, a project number and the like by remarks one by one, printing a bank payment receipt attached to a tendering file, after the tenderer receives the bank receipt, directly using a paper bank receipt of the bidder as a basis for granting a qualification for evaluating the bid by an operator according to the time limit of large business volume and opening the bid, and simultaneously registering a manual account of a deposit by a financial staff according to the paper bank receipt of the bank, matching account data with bank data, checking and confirming and entering a charge into account by the financial staff; after the bidding is finished, the financial staff finds the information of the bidders according to the bidding sections, deducts the bid-winning cost of the bidders, manually invoices, returns other funds on the original way, and performs financial processing one by one.
Under traditional operation mode, the tenderer does not generally have tendering business platform to tendering business platform also hardly with bank system connection, there is the breakpoint between the system, and the unable automatic interaction of information, most operation rely on manual, inefficiency, risk are big, specifically as follows:
1. there is a risk of legal compliance; according to the fifty-seventh regulation of the implementation of tender-offering and bidding regulations of the people's republic of China: "the bidder should refund the tender deposit and bank contemporaneous deposit interest to the bidder who wins the bid and the bidder who does not win the bid within 5 days after the written contract is signed at the latest. "; under the traditional manual mode, the tenderer can not return the tender guarantee money in time basically, and the accurate interest counting and paying one by one are difficult to realize,
2. the business risk exists, the business department of the tenderer can not timely master the accurate collection information of the bank, but depends on the payment voucher of the bidder to evaluate the tender, if the payment voucher of the bidder is not real, the tender evaluation result is influenced,
3. the risk of fund misoperation and manual offline processing intervention exist, the average business volume per year is 6-10 thousands of times, the settlement business volume is extremely large, the settlement is manually distributed and returned to different bidders, the risks of guaranteeing cash receipt and withdrawal from households and error in amount exist,
4. the financial settlement process is long, at least 15 processes are carried out after a guarantee fund is collected and returned, at least 1 month is spent before and after the settlement, the experience of a client is poor, a plurality of specially-assigned persons are required to process the guarantee fund service with a single process, and the workload is high; and because the information of the customers and the merchants is more and complicated, the collection, the withdrawal, the hanging and the verification are difficult, errors are easy to occur, and detailed ledger support is lacked.
Disclosure of Invention
The invention discloses a management system of a tender-tender service guarantee fund account and a using method thereof, aiming at overcoming the defects of the prior art and providing an account management method which is timely in information acquisition and effective in monitoring and early warning.
The invention achieves the purpose by the following technical scheme:
a management system of tender-bid service deposit account and its using method, including deposit special account, characterized by: at least one virtual account is set up in the deposit fund special account, and the virtual account stores the following information:
the date of the transaction,
the time of the transaction is,
the information of the gold private households is guaranteed,
identification number of bidding item: each bidding item corresponds to a unique bidding item identification number, each virtual user corresponds to a bidding item through the bidding item identification number,
guarantee payment deadline: i.e. an expiration date to allow funds to be transferred to the virtual account,
date of return of bid security: i.e. a start date that allows the virtual account to transfer funds out,
expiration date of bidding project: i.e. the release date of the virtual account,
refund interest flag: there are two states, yes and no.
The using method of the management system of the tender-bidding service deposit account is characterized by comprising the following steps: the method is implemented in sequence according to the following steps:
firstly, a special household is opened: bidders set up bidding security fund special users in banks, each bidder sets up a unique bidding security fund special user for each tenderer, the bidding security fund special users are used for recording corresponding bidder information and fund change information,
establishing a virtual household: the tendering party sends a virtual account opening instruction to a bank, the opening instruction comprises transaction date, transaction time and deposit information, after the bank receives the opening instruction, at least one virtual account is respectively set under each deposit, each virtual account corresponds to a tender item of the tendering party, the opening instruction is stored in each virtual account,
and thirdly, configuring a virtual user: the virtual account also stores the following information:
-the bid item identification number: each bidding item corresponds to a unique bidding item identification number, each virtual user corresponds to a bidding item through the bidding item identification number,
guarantee payment of funds by deadline: i.e. an expiration date to allow funds to be transferred to the virtual account,
-tender guarantee refund day: i.e. a start date that allows the virtual account to transfer funds out,
-the bid item due date: i.e. the release date of the virtual account,
-the refund interest flag: there are two states of yes and no,
according to the setting of the current tendering project of the tenderer, the virtual account can only transfer funds from the establishment date of the virtual account to the deadline of the payment of the deposit, the virtual account can not transfer funds nor transfer funds from the next date of the payment of the deposit to the opening date of the tendering project, the virtual account can only transfer funds from the next date of the opening date of the tendering project to the expiration date of the tendering project, if the balance of the funds in the virtual account is zero, the virtual account is automatically released to realize the cyclic use of the virtual account (the release can be that the virtual account is abandoned, a new virtual account is reestablished when a new tendering project exists, or the corresponding relation between the virtual account and the original tendering project is released, and the corresponding relation between the virtual account and the new tendering project is reestablished when the new tendering project exists, if the fund balance in the virtual account is not zero, the system executes automatic tasks 24 days, when the conditions that the current date is greater than the expiration date and the fund balance in the virtual account is not zero are met, a zero clearing instruction is automatically sent to a bank by a tendering party, the bank clears the fund balance in the virtual account after receiving the zero clearing instruction sent by the tendering party,
payment: the tenderer issues the virtual account information fed back by the bank to a bidder, the bidder transfers the deposit into the virtual account within the time no later than the deadline of deposit payment according to the virtual account information, the virtual account records fund change caused by transferring the deposit, and the following information is added into the virtual account information: the name of the bidder, the date, amount and source of the deposit, the virtual account calculates the balance in real time,
refund: the tendering party sends a refund instruction to a bank, the refund instruction comprises money receiving account information and refund amount, the bank determines the refund path and the refund amount according to the requirement of the tendering party on the refund path and whether the refund interest mark of the virtual account is returned or not after receiving the refund instruction, if the tendering party requires the return of the original path, the bank verifies whether the money receiving account information and the remittance account information for paying the tender deposit are matched or not, the verification result is matched, the bank transfers the money from the tender deposit account to the corresponding bidder account according to the refund instruction of the tendering party to complete the refund, if the tendering party does not require the return of the original path, the bank does not carry out matching verification and directly returns the default account of the bidder in the intelligent tendering platform of the tendering party,
the refund amount is determined according to whether the interest mark is refunded or not of the virtual account, when the interest mark is refunded or not, the refund amount is the sum of the deposit and the interest, when the interest mark is refunded or not, the refund amount is only the deposit, the interest is generated because a bidder deposits the deposit in a deposit private account, the interest settlement is generally settled according to the convention of tendering,
sixthly, account processing: the superior group company of the tenderer establishes a unified standard financial system and a unified financial company settlement channel, realizes direct connection with a multi-bank system by virtue of the settlement channel of the group financial company, acquires the collection data of the multiple banks in real time, sends the collection data to the group standard financial system, triggers financial automatic accounting processing after the matched financial data is consistent with the business data,
on unified standard financial system, through financial company and the direct connection of outside multiple banks, collect bank's collection information in real time, form female receipt in standard financial system, send financial system according to business information in the wisdom of tendering side to generate sub-receipt, can automatic book keeping in the module of receiving of financial system after female receipt matches, automatic book keeping is based on in advance in the system predetermine throwing the account rule, "the collection of money" business, trigger and generate accounting minute book "and borrow: bank deposit, credit: other accounts payable ", if the parent and child receipts do not match, the return transaction system rechecks the modifications,
when initiating a refund, after the tenderer receives a bank refund receipt, the intelligent tenderer platform of the tenderer sends a refund throwing instruction to automatically account in the financial system, and the service of ' refund ' triggers and generates an accounting entry ' loan: other accounts payable, credit: the bank deposits,
the bidder who wins the bid, the bidder need collect the service charge of winning a bid and invoicing, business system propelling movement application of making out an invoice, generate the full key element information of bill face in financial system receivables the module, including the person of receiving the invoice, tax recieve, name of a product, tax rate, amount of money, utilize group financial system unified to be connected with outside service provider of making out an invoice, can realize the online direct electronic invoice that makes out, the settlement instruction that the platform was sent "income" is beckoned in financial system automatically to the intelligence of the tenderer, the "income" business triggers to generate accounting minute book "borrowing: receivables, credit: the income of business,
the winning bid service fee is directly deducted during refund, so that the financial verification and cancellation processing is required, and the transaction of ' verification and cancellation ' is triggered to generate an accounting entry ' borrowing: other accounts payable, credit: the amount of accounts to be collected,
seventhly, inquiry: and the tenderer inquires corresponding virtual account information according to the deposit account.
The invention provides a system for managing a deposit account, which comprises a module for opening an account of a virtual account, setting the virtual account related to the virtual account, returning a bid deposit, calculating payment due to the tenderer, releasing the virtual account, inquiring the account and the like, and is used for recording a unit RMB settlement account for handling the collection and return of the bid deposit and the transfer of the successful deposit of the tenderer. The intelligent tender-inviting platform is set up to be directly connected and butted with a bank system, and the fund management module can realize the functions of account information inquiry, fund receipt and payment and the like.
The invention constructs an end-to-end intelligent tendering platform based on virtual account design and a mapping business model of bidding sections and accounts, through a channel of real-time interaction of a financial institution and tenderer interaction, the tenderer can accurately identify bidder information under each tendering bidding section, bank collection and business evaluation qualification grant linkage are realized, account compliance is automatically checked, automatic interest counting is realized, one-key refund in an appointed period is realized, multi-bank system direct connection is realized by virtue of a settlement channel of a group financial company, collection data of multiple banks are obtained in real time, automatic financial accounting processing is triggered in a group standard financial system, receipt and withdrawal information is inquired in real time, and financial settlement business is efficiently supported. The operation is convenient, the time and the labor are saved, the bidder and the tenderer are satisfied, the efficiency of the deposit accepting and withdrawing service is improved, and the fund settlement error is avoided.
According to the regulation in the management method of the settlement accounts of the RMB bank, enterprises need to provide related certification materials such as business licenses, account opening licenses and the like when opening bank accounts; in the actual bank account opening process, the operation modes of enterprise preparation data, bank door check before bank account opening, enterprise on-line counter filing application, bank audit confirmation, and people bank record filing are generally carried out for 3 to 5 working days, even longer, very complicated flow, full off-line, multi-interaction and inconvenient operation; the virtual account is the next innovative account settlement mode of the invention, which is based on the secondary electronic accounts (a plurality of secondary electronic accounts) established under one entity settlement account opened by an enterprise, a bank independently establishes a set of electronic account book for each secondary account, each collection and payment in the virtual account has the independent accounting and settlement function, simultaneously, the fund balance of all secondary account book is totally collected in the primary account of the entity, and the virtual account is a branch account book of the entity account in the bank system.
On the premise that the bank is directly connected with an information system of a bidding enterprise, the bidding party sends a bidding item identification number to a system of the bank in the intelligent bidding platform, and the bank generates a virtual secondary account in the system in real time and feeds account information back to the bidding party. The virtual account is a secondary electronic account based on the entity account, is an innovative ledger management mode in a bank, does not need to provide any certification material offline when the virtual account is opened based on the account direct connection condition, only needs to complete the record-making work after the account according to the bank requirement, applies for account opening according to the service requirement of the account opening in the intelligent bidding platform of the bidding party, interacts with the system, automatically generates account information in a bank system and feeds the account information back to the bidding party, and the account opening time is shortened from 3-5 working days to real time, so that the account opening efficiency is greatly improved.
Therefore, aiming at the characteristics of large amount of deposit receipt and withdrawal settlement services, small amount of money, many bidders and the like commonly existing in the bidding industry, a bank needs to provide settlement services of sub-accounts for a tenderer so that the tenderer can clearly distinguish the condition and the amount of the receipt and withdrawal deposit of each bid section, but the traditional real account opening process is complex and long in time.
The invention has the following beneficial effects:
1. and process monitoring is enhanced, and risks are effectively avoided. The system carries out real-time monitoring on timeliness, flow normalization and fund rationality in the bidding process by means of active supervision, automatic early warning, supervision and treatment and the like,
2. strictly according to the national legal requirements, executing bidding service, rapidly executing the collection and the retreat of the deposit service, automatically charging and paying the system,
3. the intelligent bidding platform directly sends a business instruction to the bank and acquires the pipelining data of the bank; the data of the service payment and acceptance are transmitted to the service personnel in real time and can be independently inquired by the bidder; data synchronization and homology, service risk is greatly reduced, the subjective labor of services processed on the system line is almost reduced to 0,
4. when an item is opened, the intelligent bidding platform sends a bidding segment number to a bank, the bank opens in real time, takes a virtual account into effect and feeds back the virtual account to the bidding platform, the platform directly hangs the virtual account number on a bidding announcement after receiving the virtual account number, a bidder pays in a specified virtual account, so that the deposit of each item can be naturally distinguished through the virtual account, meanwhile, the back end realizes the butt joint with a financial system for payment, the whole process automatically completes the automatic account entry of collection, one-key payment and account entry of payment, the settlement is compressed to within 5 from 15 processes, the refund time can be basically completed within 1 day at the financial end, and the settlement efficiency and the accuracy are greatly improved. 6-10 thousands of settlement services for guaranteeing the return of the funds every year, from 1 month to 1 day, the digitization system successfully assists the bidding industry to transform to a faster and more standard direction,
5. the original process relates to manual remarking and printing of a bidder, the arrangement of documents by a business person of a tenderer, the compilation of manual accounts by financial personnel, the gradual checking of online banking flow, the confirmation of entry of accounts, manual interest and the gradual checking of refunds; the flow after the system is docked only needs to send and receive instructions, automatically receives and returns and accounts according to preset rules, and the intelligent platform system of the tendering party has detailed accounts of bidding sections and customers and merchants, can effectively distinguish the details and check the details with the general account, eliminates manual accounts, greatly reduces manual checking and processing, improves the efficiency and the accuracy of fund settlement,
6. by means of a standard financial system unified by a group and a settlement channel of a financial company, system direct connection of multiple banks is realized, and automatic financial accounting processing is triggered.
Drawings
Figure 1 is a diagram of a virtual account settlement model,
FIG. 2 is a flow chart of a guaranty service account settlement process.
Detailed Description
The invention is further illustrated by the following specific examples.
Example 1
A management system and its using method of tender and bid service deposit account are disclosed in figure 1: the method comprises the steps of establishing at least one virtual account in a deposit fund special account, wherein the virtual account stores the following information:
the date of the transaction,
the time of the transaction is,
the information of the gold private households is guaranteed,
identification number of bidding item: each bidding item corresponds to a unique bidding item identification number, each virtual user corresponds to a bidding item through the bidding item identification number,
guarantee payment deadline: i.e. an expiration date to allow funds to be transferred to the virtual account,
date of return of bid security: i.e. a start date that allows the virtual account to transfer funds out,
expiration date of bidding project: i.e. the release date of the virtual account,
refund interest flag: there are two states, yes and no.
When the management system of the tender service deposit account is used, as shown in fig. 2, the following steps are sequentially performed:
firstly, a special household is opened: bidders set up bidding security fund special users in banks, each bidder sets up a unique bidding security fund special user for each tenderer, the bidding security fund special users are used for recording corresponding bidder information and fund change information,
establishing a virtual household: the tendering party sends a virtual account opening instruction to a bank, the opening instruction comprises transaction date, transaction time and deposit information, after the bank receives the opening instruction, at least one virtual account is respectively set under each deposit, each virtual account corresponds to a tender item of the tendering party, the opening instruction is stored in each virtual account,
and thirdly, configuring a virtual user: the virtual account also stores the following information:
-the bid item identification number: each bidding item corresponds to a unique bidding item identification number, each virtual user corresponds to a bidding item through the bidding item identification number,
guarantee payment of funds by deadline: i.e. an expiration date to allow funds to be transferred to the virtual account,
-tender guarantee refund day: i.e. a start date that allows the virtual account to transfer funds out,
-the bid item due date: i.e. the release date of the virtual account,
-the refund interest flag: there are two states of yes and no,
according to the setting of the current tendering project of the tenderer, the virtual account can only transfer funds from the establishment date of the virtual account to the deadline of the payment of the deposit, the virtual account can not transfer funds nor transfer funds from the next date of the payment of the deposit to the opening date of the tendering project, the virtual account can only transfer funds from the next date of the opening date of the tendering project to the expiration date of the tendering project, if the balance of the funds in the virtual account is zero, the virtual account is automatically released to realize the cyclic use of the virtual account (the release can be that the virtual account is abandoned, a new virtual account is reestablished when a new tendering project exists, or the corresponding relation between the virtual account and the original tendering project is released, and the corresponding relation between the virtual account and the new tendering project is reestablished when the new tendering project exists, if the fund balance in the virtual account is not zero, the system executes automatic tasks 24 days, when the conditions that the current date is greater than the expiration date and the fund balance in the virtual account is not zero are met, a zero clearing instruction is automatically sent to a bank by a tendering party, the bank clears the fund balance in the virtual account after receiving the zero clearing instruction sent by the tendering party,
payment: the tenderer issues the virtual account information fed back by the bank to a bidder, the bidder transfers the deposit into the virtual account within the time no later than the deadline of deposit payment according to the virtual account information, the virtual account records fund change caused by transferring the deposit, and the following information is added into the virtual account information: the name of the bidder, the date, amount and source of the deposit, the virtual account calculates the balance in real time,
refund: the tendering party sends a refund instruction to a bank, the refund instruction comprises money receiving account information and refund amount, the bank determines the refund path and the refund amount according to the requirement of the tendering party on the refund path and whether the refund interest mark of the virtual account is returned or not after receiving the refund instruction, if the tendering party requires the return of the original path, the bank verifies whether the money receiving account information and the remittance account information for paying the tender deposit are matched or not, the verification result is matched, the bank transfers the money from the tender deposit account to the corresponding bidder account according to the refund instruction of the tendering party to complete the refund, if the tendering party does not require the return of the original path, the bank does not carry out matching verification and directly returns the default account of the bidder in the intelligent tendering platform of the tendering party,
the refund amount is determined according to whether the interest mark is refunded or not of the virtual account, when the interest mark is refunded or not, the refund amount is the sum of the deposit and the interest, when the interest mark is refunded or not, the refund amount is only the deposit, the interest is generated because a bidder deposits the deposit in a deposit private account, the interest settlement is generally settled according to the convention of tendering,
sixthly, account processing: the superior group company of the tenderer establishes a unified standard financial system and a unified financial company settlement channel, realizes direct connection with a multi-bank system by virtue of the settlement channel of the group financial company, acquires the collection data of the multiple banks in real time, sends the collection data to the group standard financial system, triggers financial automatic accounting processing after the matched financial data is consistent with the business data,
on unified standard financial system, through financial company and the direct connection of outside multiple banks, collect bank's collection information in real time, form female receipt in standard financial system, send financial system according to business information in the wisdom of tendering side to generate sub-receipt, can automatic book keeping in the module of receiving of financial system after female receipt matches, automatic book keeping is based on in advance in the system predetermine throwing the account rule, "the collection of money" business, trigger and generate accounting minute book "and borrow: bank deposit, credit: other accounts payable ", if the parent and child receipts do not match, the return transaction system rechecks the modifications,
when initiating a refund, after the tenderer receives a bank refund receipt, the intelligent tenderer platform of the tenderer sends a refund throwing instruction to automatically account in the financial system, and the service of ' refund ' triggers and generates an accounting entry ' loan: other accounts payable, credit: the bank deposits,
the bidder who wins the bid, the bidder need collect the service charge of winning a bid and invoicing, business system propelling movement application of making out an invoice, generate the full key element information of face of the ticket in financial system receivables the module, including the person of receiving the ticket, tax recieve, name of a product, tax rate, amount of money, utilize group financial system unified to be connected with outside service provider of making out an invoice, can realize the online direct electronic invoice that makes out, the throwing account instruction that the wisdom platform of the tenderer sent "income" is automatic in financial system accounts, the "income" business, trigger and generate accounting minute record "borrowing: receivables, credit: the income of business,
the winning bid service fee is directly deducted during refund, so that the financial verification and cancellation processing is required, and the transaction of ' verification and cancellation ' is triggered to generate an accounting entry ' borrowing: other accounts payable, credit: accounts receivable ".
Claims (2)
1. A management system of tender-bid service deposit account and its using method, including deposit special account, characterized by: at least one virtual account is set up in the deposit fund special account, and the virtual account stores the following information:
the date of the transaction,
the time of the transaction is,
the information of the gold private households is guaranteed,
identification number of bidding item: each bidding item corresponds to a unique bidding item identification number, each virtual user corresponds to a bidding item through the bidding item identification number,
guarantee payment deadline: i.e. an expiration date to allow funds to be transferred to the virtual account,
date of return of bid security: i.e. a start date that allows the virtual account to transfer funds out,
expiration date of bidding project: i.e. the release date of the virtual account,
refund interest flag: there are two states, yes and no.
2. The method of claim 1, wherein the method comprises: the method is implemented in sequence according to the following steps:
firstly, a special household is opened: bidders set up bidding security fund special users in banks, each bidder sets up a unique bidding security fund special user for each tenderer, the bidding security fund special users are used for recording corresponding bidder information and fund change information,
establishing a virtual household: the tendering party sends a virtual account opening instruction to a bank, the opening instruction comprises transaction date, transaction time and deposit information, after the bank receives the opening instruction, at least one virtual account is respectively set under each deposit, each virtual account corresponds to a tender item of the tendering party, the opening instruction is stored in each virtual account,
and thirdly, configuring a virtual user: the virtual account also stores the following information:
-the bid item identification number: each bidding item corresponds to a unique bidding item identification number, each virtual user corresponds to a bidding item through the bidding item identification number,
guarantee payment of funds by deadline: i.e. an expiration date to allow funds to be transferred to the virtual account,
-tender guarantee refund day: i.e. a start date that allows the virtual account to transfer funds out,
-the bid item due date: i.e. the release date of the virtual account,
-the refund interest flag: there are two states of yes and no,
according to the setting of the current tendering project of the tenderer, the virtual account can only transfer funds from the establishment date of the virtual account to the deadline of the payment of the deposit, the virtual account can not transfer funds nor transfer funds from the next date of the payment of the deposit to the opening date of the tendering project, the virtual account can only transfer funds from the next date of the opening date of the tendering project to the expiration date of the tendering project, if the balance of the funds in the virtual account is zero, the virtual account is automatically released to realize the cyclic use of the virtual account (the release can be that the virtual account is abandoned, a new virtual account is reestablished when a new tendering project exists, or the corresponding relation between the virtual account and the original tendering project is released, and the corresponding relation between the virtual account and the new tendering project is reestablished when the new tendering project exists, if the fund balance in the virtual account is not zero, automatically sending a zero clearing instruction to a bank by a bidding party within 5 days from the expiration date of the bidding project, clearing the fund balance in the virtual account by the bank after receiving the zero clearing instruction sent by the bidding party, initiating an execution zero clearing instruction by an automatic task 24 days from the expiration date to ensure that the fund of the virtual account is cleared, and if the execution condition of the automatic task fails, sending an early warning message for manual processing,
payment: the tenderer automatically releases the virtual account information fed back by the bank in a tendering file of a tendering website, a bidder transfers a deposit into a virtual account within a time no later than a deposit payment deadline according to the virtual account information, the virtual account records fund change caused by transferring the deposit, and the following information is recorded in the virtual account information: the name of the bidder, the date and amount of money transferred by the deposit and the source remark, the balance is calculated by the virtual account in real time,
refund: the tendering party sends a refund instruction to a bank, the refund instruction comprises money receiving account information and refund amount, the bank determines the refund path and the refund amount according to the requirement of the tendering party on the refund path and whether the refund interest mark of the virtual account is returned or not after receiving the refund instruction, if the tendering party requires the return of the original path, the bank verifies whether the money receiving account information and the remittance account information for paying the tender deposit are matched or not, the verification result is matched, the bank transfers the money from the tender deposit account to the corresponding bidder account according to the refund instruction of the tendering party to complete the refund, if the tendering party does not require the return of the original path, the bank does not carry out matching verification and directly returns the default account of the bidder in the intelligent tendering platform of the tendering party,
the refund amount is determined according to whether the interest mark of the virtual account is refunded, when the interest mark is yes, the refund amount is the sum of the deposit and the interest, when the interest mark is no, the refund amount is only the deposit,
sixthly, account processing: the superior group company of the tenderer establishes a unified standard financial system and a unified financial company settlement channel, realizes direct connection with a multi-bank system by virtue of the settlement channel of the group financial company, acquires the collection data of the multiple banks in real time, sends the collection data to the group standard financial system, triggers financial automatic accounting processing after the matched financial data is consistent with the business data,
on unified standard financial system, through financial company and the direct connection of outside multiple banks, collect bank's collection information in real time, form female receipt in standard financial system, send financial system according to business information in the wisdom of tendering side to generate sub-receipt, can automatic book keeping in the module of receiving of financial system after female receipt matches, automatic book keeping is based on in advance in the system predetermine throwing the account rule, "the collection of money" business, trigger and generate accounting minute book "and borrow: bank deposit, credit: other accounts payable ", if the parent and child receipts do not match, the return transaction system rechecks the modifications,
when initiating a refund, after the tenderer receives a bank refund receipt, the intelligent tenderer platform of the tenderer sends a refund throwing instruction to automatically account in the financial system, and the service of ' refund ' triggers and generates an accounting entry ' loan: other accounts payable, credit: the bank deposits,
the bidder who wins the bid, the bidder need collect the service charge of winning a bid and invoicing, business system propelling movement application of making out an invoice, generate the full key element information of face of the ticket in financial system receivables the module, including the person of receiving the ticket, tax recieve, name of a product, tax rate, amount of money, utilize group financial system unified to be connected with outside service provider of making out an invoice, can realize the online direct electronic invoice that makes out, the throwing account instruction that the wisdom platform of the tenderer sent "income" is automatic in financial system accounts, the "income" business, trigger and generate accounting minute record "borrowing: receivables, credit: the income of business,
the winning bid service fee is directly deducted during refund, so that the financial verification and cancellation processing is required, and the transaction of ' verification and cancellation ' is triggered to generate an accounting entry ' borrowing: other accounts payable, credit: the amount of accounts to be collected,
seventhly, inquiry: and the tenderer inquires corresponding virtual account information according to the deposit account.
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| CN113763140A (en) * | 2021-08-04 | 2021-12-07 | 远光软件股份有限公司 | Bidding method and related device |
| CN114418710A (en) * | 2021-12-24 | 2022-04-29 | 珠海大横琴科技发展有限公司 | Method and device for guaranteeing gold processing |
| CN114519585A (en) * | 2022-01-29 | 2022-05-20 | 中银金融科技有限公司 | Early warning method and system based on multi-party united card opening information |
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