CN118300909A - Method, device and medium for managing government enterprise customer receipts and funds - Google Patents

Abstract

The disclosure provides a method, a device and a medium for managing receipts and funds of government enterprise clients, which relate to the technical field of charging and are used for solving the problem of how an operator efficiently manages receipts and funds from government enterprise clients, and the method comprises the following steps: acquiring user information and fund information of an enterprise client from an existing business system and a cost center of an operator, and creating an enterprise client fund pool account according to the user information and the fund information of the enterprise client; acquiring arrearage information, historical payment information and use agreement information of an enterprise client from an existing business system and a cost center of an operator, and creating a payment relationship of an enterprise client fund pool account according to the arrearage information, the historical payment information and the use agreement information of the enterprise client; completing fund payment according to the payment relationship, and recording fund payment information in a fund pool account of the government enterprise client and an existing business system and a cost center of an operator; checking accounts with the existing business systems and cost centers of operators according to a preset period.

Description

Method, device and medium for managing government enterprise customer receipts and funds

Technical Field

The present disclosure relates to the field of charging technologies, and in particular, to a method for managing funds collected by an enterprise and government client, an apparatus for managing funds collected by an enterprise and government client, and a computer readable storage medium.

Background

The telecommunications industry charges, which involve charges for government customers. The communication cost of the government enterprise customers is required to be used, which is complex compared with the cost of the general communication users. At present, the communication management system of the operator is designed according to the requirements of the general users. Therefore, there is a problem in that the charge management of the government and enterprise customers cannot be satisfied well.

Disclosure of Invention

The technical problem to be solved by the present disclosure is to provide a method for managing receipts of government and enterprise clients, a device for managing receipts of government and enterprise clients and a computer readable storage medium, so as to solve the problem of how to efficiently manage receipts of funds from government and enterprise clients by operators.

In a first aspect, the present disclosure provides a method for managing funds for a government enterprise customer's receipts, the method comprising

The method comprises the following steps:

acquiring user information and fund information of an enterprise client from an existing business system and a cost center of an operator, and creating an enterprise client fund pool account according to the user information and the fund information of the enterprise client;

Acquiring arrearage information, historical payment information and use agreement information of an enterprise client from an existing business system and a cost center of an operator, and creating a payment relationship of an enterprise client fund pool account according to the arrearage information, the historical payment information and the use agreement information of the enterprise client;

completing fund payment according to the payment relationship, and recording fund payment information in a fund pool account of the government enterprise client and an existing business system and a cost center of an operator;

checking accounts with the existing business systems and cost centers of operators according to a preset period.

In a second aspect, the present disclosure provides an apparatus for managing funds for a government enterprise customer's receipts, the apparatus comprising

The device comprises:

The account module is used for acquiring user information and fund information of the government enterprise clients from the existing business system and the existing expense center of the operator, and creating a fund pool account of the government enterprise clients according to the user information and the fund information of the government enterprise clients;

The payment relation module is connected with the account module and is used for acquiring the arrearage information, the historical payment information and the use agreement information of the government enterprise client from the existing business system and the existing cost center of the operator, and creating the payment relation of the government enterprise client fund pool account according to the arrearage information, the historical payment information and the use agreement information of the government enterprise client;

the payment recording module is connected with the payment relation module and is used for completing fund payment according to the payment relation and recording fund payment information in a fund pool account of a government enterprise client and an existing business system and a fee center of an operator;

and the accounting module is connected with the payment recording module and is used for accounting with the existing business system and the cost center of the operator according to a preset period.

In a third aspect, the present disclosure provides a computer readable storage medium having a computer program stored therein, which when executed by a processor, implements the method for government enterprise customer revenue fund management as described above.

The present disclosure provides a method for managing funds of government and enterprise customers, a device for managing funds of government and enterprise customers and a computer readable storage medium, by establishing a private fund pool for the government and enterprise customers, and sequentially establishing a fund pool account of the government and enterprise customers according to user information and fund information of the government and enterprise customers, establishing a payment relationship of the fund pool account of the government and enterprise customers according to arrearage information, historical payment information and usage agreement information, completing funds payment according to the payment relationship, recording funds payment information in the fund pool account of the government and enterprise customers and an existing business system and a cost center of an operator, and checking accounts with the existing business system and cost center of the operator according to a preset period, the funds of the government and enterprise customers can be efficiently managed according to fund usage requirements of the government and enterprise customers.

Drawings

FIG. 1 is a flow chart of a method of government enterprise customer revenue fund management in accordance with an embodiment of the present disclosure;

FIG. 2 is an architectural logic diagram of a government enterprise customer revenue funds management system in accordance with embodiments of the present disclosure;

FIG. 3 is an architectural logic diagram of an enterprise customer fund pool in accordance with an embodiment of the present disclosure;

FIG. 4 is a schematic illustration of a pre-paid and credited deposit by a government enterprise customer in accordance with an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of a political enterprise fund pool account fund usage pattern in accordance with an embodiment of the present disclosure;

FIG. 6 is a schematic diagram of a payment relationship creation flow of an embodiment of the present disclosure;

FIG. 7 is a schematic diagram of a pool closing of funds in accordance with embodiments of the disclosure;

FIG. 8 is a schematic illustration of a fund pool withdrawal of an embodiment of the present disclosure;

FIG. 9 is a schematic diagram of a funds payment according to an embodiment of the disclosure;

FIG. 10 is a diagram of a reconciliation funds reconciliation of the present disclosure;

FIG. 11 is a diagram of an outgoing funds reconciliation schematic in accordance with an embodiment of the disclosure;

fig. 12 is a schematic diagram of a device for managing funds for government and enterprise customers according to an embodiment of the disclosure.

Detailed Description

In order for those skilled in the art to better understand the technical solutions of the present disclosure, embodiments of the present disclosure will be described in further detail below with reference to the accompanying drawings.

It is to be understood that the specific embodiments and figures described herein are merely illustrative of the present disclosure, and are not limiting of the present disclosure.

It is to be understood that the various embodiments of the disclosure and features of the embodiments may be combined with one another without conflict.

It is to be understood that for convenience of description, only portions relevant to the present disclosure are shown in the drawings of the present disclosure, and portions irrelevant to the present disclosure are not shown in the drawings.

It is to be understood that each unit or module referred to in the embodiments of the present disclosure may correspond to only one physical structure, may be composed of a plurality of physical structures, or may be integrated into one physical structure.

It will be appreciated that, without conflict, the functions and steps noted in the flowcharts and block diagrams of this disclosure may occur out of the order noted in the figures.

It will be appreciated that in the flow charts and block diagrams of the present disclosure, architecture, functionality, and operation of possible implementations of systems, apparatuses, devices, methods according to various embodiments of the present disclosure are shown. Where each block in the flowchart or block diagrams may represent a unit, module, segment, code, or the like, which comprises executable instructions for implementing the specified functions. Moreover, each block or combination of blocks in the block diagrams and flowchart illustrations can be implemented by hardware-based systems that perform the specified functions, or by combinations of hardware and computer instructions.

It is to be understood that the units and modules referred to in the embodiments of the disclosure may be implemented in software or hardware, for example, the units and modules may be located in a processor.

The main inventive concepts of the present disclosure are first described below:

With the increasing development of the Internet and services, the services covered by the revenue management of corporate and government enterprises are more and more complex, and the data source interfaces, the reports and the functional modules are more and more. The digital transformation of the whole country is faster and faster, the original account management mode depending on the government enterprise customers cannot adapt to the rapidly-changing business requirements and the fund collection payment means of the telecommunications industry, and the government enterprise customers are faced with the fact that half a year or one year earlier collect money or in arrears money, and lack of automatic systematic means for management.

The existing prestored money is facing public clients, and third party platforms such as banks and the like exist for money facing government enterprise clients, so that fees are deducted according to requirements and authorization. The accounts created by the customer when the carrier opens a service to manage the customer's consumption cost use are: the method comprises the steps of pre-storing money accounts, common accounts, gift accounts, coupon accounts and the like, wherein the money uses of each account are different, the pre-storing money accounts are used for recording pre-stored money paid by customers, certain communication fees or all communication fees which are allowed to be paid according to pre-stored descriptions can be automatically paid according to the payment period requirements, the service production systems of account communication companies are self-contained, the service production systems pay and sell according to payment rules configured by the systems, and the problem that the available range is limited and the requirements of government and enterprise customers cannot be met is solved.

For operators, the existing government enterprise customers receive funds management, and the problems are mainly as follows:

1) The fund collection of customers in different areas (such as different cities and different distinctions) of the same government and enterprise group cannot be systematically and centrally managed, because the customer manager is generally configured according to the minimum production unit, each area is provided with an independent customer manager, when the government and enterprise group uniformly pays fees, the government and enterprise group can divide accounts to different areas, or when the different areas respectively pay fees, a uniform account can be established, and no supporting measures exist at present;

2) For the fund of the client payable by the unified expenditure of government finance, the fund cannot be systematically managed, and the payment of communication cost to clients of a plurality of different subordinate units cannot be realized without manual processing;

3) The government enterprise customers have various ICT (information and communication technology, information and communications technology) service demands, including new account opening, purchasing terminal and other services, but the current customer prepayment can only be used for selling communication fees, the flexibility is poor, and the customer prepayment can not be used for ICT services;

4) The management of the receipts has high dependence on the client manager, the pre-storing, collecting and selling accounts require the standing account of the client manager to be reserved, a great amount of manual operations exist for checking and settling accounts, especially checking accounts, the amount of money of the client is pre-collected, the client purchases what and pays for several periods of fees, different client account periods can be different, the client manager is required to carry out self-comparison treatment, the existing client payment and the client manager claim process, the management mode depends on manual work, and the degree of automation is low;

5) The government enterprise customers have high billing cost and difficult arrearage management, as the prior art is generally based on the fact that the cash flow of an enterprise is managed by a bank, or money enters other third party platforms, the fee can be deducted by a mode of paying and deducting after authorization, the customer fee is managed by the bank, and the fee is deducted as required, so that the money is relatively returned in advance payment, arrearage is easy, cash return of the enterprise is poor, and the account checking process is complex in the bank or the third party platform.

Therefore, for government enterprise customers to pre-store accounts receivable, automated means are needed to solve the relevant problems.

According to the method and the system, the government enterprise fund pool account based on the client information is created, packaging management is conducted on the communication expense account book of the government enterprise client, the problem can be well solved, cash flow backflow of enterprises is guaranteed, the rate of arrears is reduced, manual operation can be reduced, working efficiency is improved, accounting accuracy is improved, and flexible pre-payment of the client can be guaranteed to be used according to requirements.

Firstly, the pre-stored accounts of the government enterprise customers are put into a pre-stored fund pool, then the fund pool accounts are used according to the needs of the customers, meanwhile, the functions of automatic account sales, account checking and the like of the customer communication fees are realized, the pre-stored funds are used at will by the customers, the flow of the pre-stored funds entering into a company income account to be used by the customers is automated and systematic, the traditional manual cash flow auditing management mode according to channels is replaced, the management efficiency is improved, and the operation cost is saved.

The customer prepayment is flexibly controlled according to the needs, meanwhile, the customer prepayment is different from the enterprise bank account in which money exists, the fund collection and deduction mode of the government enterprise fund pool prepayment fund management mode is necessary, the customer fund safety can be ensured, the account definition can be ensured, the fund rate can be reduced, the business is oriented to the communication industry, and meanwhile, the business can be popularized in multiple industries.

According to the customer payment records, automatically or manually generating a pre-stored fund pool account, and subsequently, according to the customer needs, receiving a demand order initiated by a user, automatically or manually using the account, automatically checking accounts, mailing invoices and the like. The management process is subjected to flow restriction, automation is realized in a processing link, one-key manual resynchronization and automatic re-account checking are supported, the management efficiency of the government enterprise customers for paying the funds in advance is greatly improved, the error rate of account checking is reduced, and the working pressure of customer managers and financial staff is greatly reduced.

The present disclosure has the following advantages:

1) Customer prepayment can be carried out for a plurality of different communication customers, and can be used for other purposes except marketing communication fees, so that the method is flexible and convenient;

2) After the customer prepays and the income accounts of the companies are stored, the customers automatically enter a fund pool, and the fund is used automatically as required or by a customer manager according to the authorization, so that the fund is safe, the flow is convenient, and the labor cost is saved;

3) Through the mode of customer prepayment, promote enterprise's cash flow, reduce the rate of owing.

Example 1:

as shown in fig. 1, the present disclosure provides a method for managing funds of a government enterprise customer, the method comprising:

S1, acquiring user information and fund information of an enterprise client from an existing business system and a cost center of an operator, and creating an enterprise client fund pool account according to the user information and the fund information of the enterprise client;

s2, acquiring arrearage information, historical payment information and use agreement information of the government enterprise customers from an existing business system and a cost center of an operator, and creating a payment relationship of a government enterprise customer fund pool account according to the arrearage information, the historical payment information and the use agreement information of the government enterprise customers;

S3, completing fund payment according to the payment relationship, and recording fund payment information in a fund pool account of the government enterprise client and an existing business system and a cost center of an operator;

s4, checking accounts with the service system and the charge center existing in the operator according to a preset period.

In this embodiment, a private fund pool is established for an enterprise client, and an enterprise client fund pool account is sequentially created according to user information and fund information of the enterprise client, a payment relationship of the enterprise client fund pool account is created according to arrearage information, historical payment information and use protocol information, fund payment is completed according to the payment relationship, fund payment information is recorded in the enterprise client fund pool account and an existing business system and a cost center of an operator, and account checking is performed with the existing business system and the existing cost center of the operator according to a preset period, so that funds received from the enterprise client can be efficiently managed according to the enterprise client fund use requirement.

More specifically, the system in which the embodiment is located carries the collection and management of funds collected and pre-paid by the clients of the telecommunication business, firstly, a fund pool account is created according to a user to maintain a payment relationship and audit, then funds transferred by the clients of the government and enterprise are collected, and matched and charged; then, according to the customer demand, sales are carried out; after the sales are finished, real-time transaction accounting and warehousing are carried out, and automatic accounting and accounting are carried out according to the days. In the process, automatic functions of automatic account entering, automatic account selling, automatic account checking and the like according to customer codes, transaction details, transaction time and the like are realized, so that the standard management of the funds of the pre-paid funds of the government enterprises is ensured, and the occurrence of arrearages is reduced.

In one embodiment, S1, acquiring user information and fund information of an enterprise client from an existing service system and an existing cost center of an operator, and creating an enterprise client fund pool account according to the user information and the fund information of the enterprise client, which specifically includes:

acquiring user information of government enterprise clients from an existing service system of an operator;

acquiring new bank transfer information from an existing charge center of an operator according to the user information;

Responding to the fact that the new bank transfer information comprises a complete user number, a transfer bank account number and a customer name, creating an enterprise customer fund pool account, and recording the new bank transfer information under the corresponding enterprise customer fund pool account;

otherwise, creating a customer fund pool account of the to-be-claimed government enterprise, and sending the account information of the customer fund pool of the to-be-claimed government enterprise to customer manager equipment for auditing and processing by a customer manager.

In this embodiment, as shown in fig. 2-3, the government enterprise client revenue fund management system includes a government enterprise client revenue fund management device, and an existing business system and a cost center of an operator; the large data platform, namely the data center platform, is used for providing data such as customer data, project data, sales information of a business system and the like, and is in butt joint with each business production contact system through the capability platform so as to realize automatic fund payment, sales deduction, business cost application, deduction and the like. Automatic production rule configuration is added in the management process, automatic sales, automatic checking and other automation capabilities are realized through timing tasks, data inquiry and report display are provided in the whole process, and flexible use and safety of funds pre-paid by customers are guaranteed to the greatest extent.

More specifically, the government enterprise client receipts fund management device comprises a government enterprise fund pool and an ICT fund pool which provide a front-end application layer, and also provides a capability platform so as to meet the functions of inquiring, paying, refund, claim and the like of government enterprise client funds; the existing business systems and cost centers of operators mainly comprise business contacts such as accounting centers, clearing centers, operation platforms, a centralized business support system CBSS of China Unicom, novel ICT systems and the like and a headquarter micro-service architecture SOA platform, and the functions of user data inquiry, client data inquiry and project information inquiry are provided for government enterprise client revenue and fund management devices through the CBSS system and the headquarter SOA platform.

As shown in fig. 4, after a customer pays a income account of a income company (operator company), funds enter an enterprise bank account management fund platform, and funds are charged into a fund pool according to a matched fund pool of a customer transfer account number, a customer transfer name and the like; funds that do not match for the posting information enter the funds to be claim pool account, the funds to be claim pool account funds customer manager may initiate a claim request, and after the acceptance audit is passed, carrying out account sales processing, automatically creating a fund pool account and a payment relationship after the account sales is finished, and automatically entering the fund pool account by the same client after follow-up fund pre-payment.

More specifically, the funds pre-paid to the company account by the customer can be directly paid and deposited according to the existing payment relationship; the fund to be claimed is firstly entered into a fund pool to be claimed, once payment and sales account claims funds from the fund pool to be claimed, payment relation and fund pool accounts are automatically established after the next day of checking, the funds can be automatically checked, possible payment relation can be prompted according to the matched payment relation of the fund sources (customer names, bank account names, contact phones and the like) to be charged and company arrearage customers, and the possible payment relation can be provided for a customer manager to confirm and match, so that the payment relation is generated.

In one embodiment, S2, obtaining the arrearage information, the historical payment information and the usage agreement information of the government enterprise client from the existing business system and the existing fee center of the operator, and creating the payment relationship of the fund pool account of the government enterprise client according to the arrearage information, the historical payment information and the usage agreement information of the government enterprise client, which specifically includes:

Acquiring current arrearage information of government enterprise customers from an existing business system and a cost center of an operator, and creating an instant payment relationship of a government enterprise customer fund pool account according to the current arrearage information;

acquiring historical arrearage information and historical payment information of government enterprise customers from an existing business system and a cost center of an operator, and creating a periodic payment relationship of a government enterprise customer fund pool account according to the historical arrearage information and the historical payment information;

and acquiring the use protocol information of the government enterprise customers from the existing business system and the existing cost center of the operators, acquiring the ICT business information of the government enterprise customers according to the use protocol information, and creating an ICT fund pool of the fund pool account of the government enterprise customers according to the ICT business information.

In this embodiment, as in the funds management method of the management system of fig. 2-3, a funds pool prepayment account is established for the user for the prepayment of the government enterprise clients, and management is performed around the account. The corresponding management device comprises a fund paying module, a fund using module, a fund checking module and the like, and the related fund accounts comprise a fund account to be claimed (established according to a checking bank account), a customer fund pool account (established according to a transferring bank account and a customer name by taking a user number as a mark), and a virtual account (an account for paying after closing and opening accounts) of the corresponding fund pool account. The related business actions comprise user payment relation creation, payment relation auditing, fund pool payment, account closing, account removing, account sales and account checking; inquiring payment relation and balance; transaction detail inquiry, virtual account corresponding relation inquiry and the like; wherein, the account closing and the account separating can be semi-automatically processed according to the established rules; the sales and the checking can be automatically processed.

Specifically, as shown in fig. 5, after a customer fund pool account is created according to a user number and is checked, the customer pays a deposit automatic account of the fund pool account, if necessary, the account can be formed into a virtual account by many-to-many account opening and closing, the account funds without account opening and closing can be directly used, the funds can be used for automatic account sales according to account period, real-time account sales of telephone fees, automatic account sales of telephone fees transferred into a communication fee pre-stored account, and business fee use application and approval are carried out, thereby realizing business related fee transaction deduction and the like. ICT with business expense as main expenditure is taken as an innovative business of an enterprise, and because of the business characteristics, the supporting business systems are different, so that an ICT fund pool is independently established for the funds facing the ICT business.

More specifically, after the customer funds are paid and deposited, the automatic funds with payment relationship are deposited in a pool, after the pool is deposited, the funds are combined according to the payment relationship associated with different user numbers of 1 customer, and for the financial money dialing of the city, the money dialing of the province special provisions, the payment of the province and the payment of the city and the like, the funds are separated according to the name of the customer, the contact phone, the use of the funds and the like, after the account combination and the account separation, the funds enter a virtual account, the account combination and the account separation are divided into operation and audit links, the operation audit is very important, and then the funds are used according to the actual needs of the customer, such as automatic monthly fee sales, business fee sales after approval and authorization and the like. The following requirements are met: after the fund pool corresponding to the fund paying account of the customer or the fund pool enters the virtual account, the fund pool can only be used according to the payment relation; one customer funds pool may have no corresponding virtual account, and may use the funds pool account directly; the fund pool account and the virtual account can be directly used for selling corresponding customer fees, and the virtual account can be automatically established according to the fund pool condition and the use requirement of the checked-in funds.

For example, for the funds of the account to be claimed, the system initiates an application of automatically creating a fund pool account and a payment relation according to the corresponding matching association of the fund sources (information such as a bank account, a customer name, a contact phone and the like) and the arrearage customer information, the payment relation is automatically created according to the funds transferred into the company account by the customer and is combined with the arrearage information and the payment period of the customer, the fund pool account and the payment relation are not unilaterally created, and the customer manager generates the fund pool account and the payment relation after auditing; the customer manager can also manually initiate the creation of a payment relationship; each fund of the fund pool account can be disassembled and combined into a virtual fund account according to a use plan, and the use plan can be obtained by communication between a client manager and the client or determined according to a common use mode of historical fund; and then the method is used according to the requirements of the client, such as conventional use according to the payment period and arrearage condition of the client, the current participation agreement activity condition of the client and the like, wherein the use modes comprise: automatic account period sales, real-time telephone fee sales, customer communication pre-stored account sales, customer one-time agreement renewal, purchase terminal and other fee sales.

In one embodiment, the method for creating the periodic payment relation of the fund pool account of the government enterprise client according to the historical arrearage information and the historical payment information specifically comprises the following steps:

acquiring a plurality of government enterprise customer fund pool accounts which have an associated payment relationship with each other according to the historical payment information;

creating a first virtual account for a plurality of government enterprise customer funds pool accounts having an associated payment relationship;

Recording funds information which is not appointed for use in the funds pool accounts of the plurality of government enterprise clients and has the associated payment relationship into a first virtual account;

And controlling the fund payment period of each of the plurality of government enterprise customer fund pool accounts with the associated payment relationship through the first virtual account according to the historical arrearage information and the historical payment information corresponding to each of the plurality of government enterprise customer fund pool accounts with the associated payment relationship.

In this embodiment, as shown in fig. 6, a fund pool payment relationship is created: the fund pool account information and the user payment relation information can be added, modified and deleted, the operations of adding, modifying and deleting can be independently executed, and the operations can be executed in batches; the establishment is completed for auditing; after the verification is passed, the creation flow is ended; subsequent fund posting and sales links can be performed. When the payment relation is created, the possible payment relation can be automatically generated according to funds to be claimed and combining fund source information (information such as customer name, contact phone, bank account number and the like) and current arrearage information, and finally generated by checking and confirming by a customer manager. If the funds to be claimed are directly sent by the client manager to initiate payment sales, directly generating a fund pool and a corresponding relation thereof according to sales client information. The payment relationship of the fund pool account and the virtual account determines which users or clients can be used by the funds of the account.

As shown in fig. 7, the closing operation may be performed on the fund pool accounts, and the closing operation may be automatically performed by automatically identifying the association relationship between the accounts, or may be performed under the management of the customer manager. According to different fund pool accounts of the same customer (distinguished according to different user number unique identifiers to which the customer belongs), a virtual account is generated, the user numbers originally bound to the entity fund pool accounts are bound to the virtual account, then all entity accounts are automatically paid to the virtual account, if an account closing relation which is created for the first time is found according to the incidence relation, an account closing virtual account is generated, if the virtual account exists in the incidence relation, a new account is added to the original virtual account, prompt information is sent after binding of the government enterprise customer fund pool accounts and the virtual account is completed, and balance is deducted from the virtual account automatically when a business number is sold.

In one embodiment, the method includes the steps of obtaining use protocol information of a government enterprise client from an existing service system and a cost center of an operator, obtaining Information and Communication Technology (ICT) service information of the government enterprise client according to the use protocol information, and creating an ICT fund pool of a fund pool account of the government enterprise client according to the ICT service information, wherein the method specifically comprises the following steps:

Information Communication Technology (ICT) business contract information of government enterprise customers is acquired from an existing business system of an operator, and fund use information of the government enterprise customers is acquired from an existing expense center of the operator;

matching ICT fund information which designates fund use as ICT according to the ICT contract information;

And recording the corresponding Information Communication Technology (ICT) fund information in the enterprise customer fund pool account into the ICT fund pool.

In this embodiment, as shown in fig. 2-3, the fund pool of the management device, such as a general business supporting module of a branch government enterprise (a general business supporting pool of a government enterprise) and an ICT business supporting module (an ICT fund pool), combines business characteristics, and adds some exclusive functions, and ICT businesses, because the supporting business systems are different, the ICT fund pool needs to be in butt joint with a novel ICT system, including paying, approving, inquiring, clearing, auditing, checking and the like of funds. Firstly, establishing a fund pool payment relationship (same as ICT) according to client arrearage information, client fund payment information and client information, uniformly establishing a fund pool account according to the payment relationship, managing client funds, and performing account closing and account separating before the client funds enter the account; meanwhile, the system performs fund use according to a fund use application initiated by the service side (the fund use application is sent to a fund pool through interface capability), and checks after use, so that the fund management is accurate, and the fund management automation capability is improved.

In one embodiment, recording information about corresponding ICT funds in an account of a fund pool of an enterprise customer into the ICT fund pool specifically includes:

acquiring an association payment relation of a government enterprise client fund pool account;

creating a second virtual account for a plurality of government enterprise customer funds pool accounts having an associated payment relationship;

information about ICT funds in the plurality of government and enterprise customer funds pool accounts with the associated payment relationship is recorded into a second virtual account.

In this embodiment, the ICT fund pool may perform a closing and dividing operation like an enterprise fund pool, and the ICT fund pool itself may be understood as a dividing account of an enterprise fund pool account.

In one embodiment, creating a payment relationship for an enterprise customer funds pool account, specifically further comprises:

acquiring fund usage information of government enterprise customers from an existing expense center of an operator;

Responding to funds entering the same government enterprise customer fund pool account, designating multiple uses by fund use information, setting a virtual sub-account according to each use, and recording corresponding fund information to the virtual sub-account;

and creating a payment relation of each virtual sub-account according to the fund use information.

In this embodiment, on the basis of both the government enterprise fund pool and the ICT fund pool, the account dividing operation shown in fig. 8 may be performed, and the accounts to be paid to the entity fund pool account are respectively paid to the virtual sub-accounts according to the service application, and are divided into multiple cases, and the overall mode is basically consistent with the account closing. In particular, for funds of government financial dialing, account separation is often required, by selecting to separate to virtual sub-accounts, each virtual sub-account is provided with a corresponding short message government agency receiver and a short message financial receiver, and a short message notification is sent to the virtual sub-account to prompt the condition of deduction of the fees, and the condition of deduction of the fees can be notified to clients through the short message to complete approval, or the clients can not be notified to conduct approval, but only the bills are provided to the clients. The closing and opening of the account is to ensure that the funds of the customer can accurately enter the own fund pool of the customer after being paid and deposited, and to sell communication fees or purchase communication terminals and accessories for the customer.

In one embodiment, the funds payment is completed according to the payment relationship, and funds payment information is recorded in the enterprise customer funds pool account and the service system and the cost center existing by the operator, specifically comprising:

The method comprises the steps of completing first fund payment according to an instant payment relationship and a periodic payment relationship, sending information for completing the first fund payment to an existing business system and a cost center of an operator for sales, and recording first fund payment information in a fund pool account of a client of an enterprise after receiving sales result responses of the existing business system and the cost center of the operator;

And receiving an ICT fund use application from the customer manager equipment, completing second fund payment in the ICT fund pool according to the ICT fund use application, sending information for completing the second fund payment to an existing business system and a cost center of an operator for recording, and recording second fund payment information in an account of the government enterprise customer fund pool.

In this embodiment, as shown in fig. 9, the fund pool account of the government enterprise client completes fund payment according to the payment relationship, including that the operation fee collection of the business system, the automatic initiation of sales or business fee and other approval available amount acquisition are performed at regular time, when the available balance in the account is enough, the amount deduction can be performed according to the payment relationship, log recording is performed on the amount deduction condition, then the fund collection management device of the government enterprise client returns the business system result, the business side initiates sales and records the sales result, if the sales of the business system fails, failure information is returned to the management device, the management device operates funds Chi Xiaozhang to return, and if the sales succeeds, the sales result of the business side is responded. The process also actually completes real-time checking, namely, the checking is immediately carried out after the fund pool system carries out fund sales according to the request of the service system, the checking can be directly carried out according to transaction flow, the transaction time checking, the opposite system for real-time checking with the fund pool comprises an accounting center, cbss and the like, and the real-time checking is initiated by the fund pool side.

In one embodiment, the accounting is performed with the service system and the fee center existing in the operator according to a preset period, which specifically includes:

Acquiring own first log information and second log information of an existing service system and an existing charge center of an operator at regular time every day;

comparing the first log information with the second log information to generate a reconciliation statement;

and generating query information according to the statement of account checking detail so as to be queried by government enterprise client equipment and client manager equipment.

In this embodiment, as shown in fig. 10-11, the government enterprise client receipts funds management device checks with the existing system of the operator, further includes daily checking, and includes checking data checking and sales data checking, which is initiated by the fund pool, and the transaction process is a checking process outside the real-time checking. If the checking result shows errors, the errors need to be corrected, and no matter what the errors are, a report needs to be generated for query. If 9-point fund pool system is started at regular time every day, according to deduction transaction record of the system, an automatic account checking mechanism is started with an accounting center and CBSS, and account checking results are output, and an account checking result can be inquired by a foreground fund pool transaction account checking detail report menu; the fund pool accounting for ICT service is independently initiated and only needs to be checked with an ICT system. The account checking rule needs to check account according to customer codes, customer numbers, transaction flow and transaction date detail level, and then summarize account checking daily.

2-3, Automation of government and enterprise revenue fund management has been realized within a certain range, and technical support is provided for centralized acceptance of government and enterprise businesses, and has the following advantages:

1) Outside the communication account (other industries can be established outside the account with payment, a special fund pool account (different from a bank account and fund entrusted third party management) is established for managing the fund pre-paid by the government enterprise client, the fund pool fund can be pre-stored into the client communication account for pre-deposit, the communication cost can also be directly paid, and other business cost can be paid at the same time, the fund is used as required, after the pre-paid money enters the company, the cash flow reflux of the company is high, and the arrearage risk is reduced;

2) The customer pre-paid funds can be combined and separated into virtual accounts, the government enterprise customer pre-paid funds can be used for any communication customer account subordinate to the customer with a customer relation preservation function in the system, the funds can be separated or combined, one fund pool account can correspond to a plurality of virtual accounts (account separating relation), and one virtual account corresponds to a plurality of fund pool accounts (account combining relation);

3) The government finance unified payment prepayment can be used for appointed communication clients, can be divided into a fund pool, can be combined and then sold, and a certain level of government finance can uniformly pay communication fees for government related units of the district;

4) After the prepayment is entered into the income account, the bill automatically enters the fund pool account according to the running water provided by the bank, and enters the fund pool use management flow, the whole process can be automated, and the bill can also be manually interfered for use, so that the labor cost is saved.

Example 2:

As shown in fig. 12, the present disclosure provides an apparatus for managing funds for a government enterprise customer, the apparatus comprising:

The account module 1 is used for acquiring user information and fund information of the government enterprise clients from an existing business system and a cost center of an operator, and creating a fund pool account of the government enterprise clients according to the user information and the fund information of the government enterprise clients;

The payment relation module 2 is connected with the account module 1 and is used for acquiring the arrearage information, the historical payment information and the use agreement information of the government enterprise client from the existing business system and the existing expense center of the operator and creating the payment relation of the fund pool account of the government enterprise client according to the arrearage information, the historical payment information and the use agreement information of the government enterprise client;

The payment recording module 3 is connected with the payment relation module 2 and is used for completing fund payment according to the payment relation and recording fund payment information in a fund pool account of a government enterprise client and an existing business system and a fee center of an operator;

And the accounting module 4 is connected with the payment recording module 3 and is used for accounting with the service system and the expense center existing in the operator according to a preset period.

In one embodiment, the account module 1 specifically includes:

The user information unit is used for acquiring user information of government enterprise clients from an existing business system of an operator;

the transfer information unit is connected with the user information unit and is used for acquiring new bank transfer information from the existing charge center of the operator according to the user information;

The account unit is connected with the transfer information unit and used for responding to the fact that the new bank transfer information contains the complete user number, the transfer bank account number and the customer name, creating an enterprise customer fund pool account and recording the new bank transfer information under the corresponding enterprise customer fund pool account;

and the to-be-claimed unit is connected with the account determining unit and is used for creating to-be-claimed client fund pool accounts and sending to-be-claimed client fund pool account information to the client manager equipment for auditing and processing by the client manager.

In one embodiment, the payment relationship module 2 specifically includes:

the instant payment relation unit is used for acquiring the current arrearage information of the government enterprise client from the existing business system and the existing expense center of the operator, and creating an instant payment relation of the government enterprise client fund pool account according to the current arrearage information;

The periodic payment relation unit is used for acquiring historical arrearage information and historical payment information of the government enterprise customers from an existing business system and a cost center of an operator, and creating a periodic payment relation of the government enterprise customer fund pool account according to the historical arrearage information and the historical payment information;

The ICT payment relation unit is used for acquiring the use protocol information of the government enterprise customers from the existing business system and the cost center of the operators, acquiring the ICT business information of the government enterprise customers according to the use protocol information, and creating an ICT fund pool of the fund pool account of the government enterprise customers according to the ICT business information.

In one embodiment, the periodic payment relationship unit specifically includes:

The associated payment relationship subunit is used for acquiring a plurality of government enterprise customer fund pool accounts with associated payment relationships according to the historical payment information;

the first virtual account creation subunit is connected with the association payment relationship subunit and is used for creating a first virtual account for a plurality of government enterprise customer funds pool accounts with association payment relationship;

the first virtual account record subunit is connected with the first virtual account creation subunit and is used for recording fund information which is not designated for use in the fund pool accounts of the plurality of government enterprises and clients and has an associated payment relationship into the first virtual account;

The payment period sub-unit is connected with the first virtual account recording sub-unit and is used for controlling the fund payment period of each of the plurality of government enterprise customer fund pool accounts with the associated payment relationship through the first virtual account according to the historical arrearage information and the historical payment information corresponding to each of the plurality of government enterprise customer fund pool accounts with the associated payment relationship.

In one embodiment, the ICT payment relationship unit specifically includes:

an ICT information acquisition subunit, configured to acquire ICT service contract information of an enterprise client from an existing service system of an operator, and acquire fund usage information of the enterprise client from an existing fee center of the operator;

The ICT information matching subunit is connected with the ICT information acquisition subunit and is used for matching ICT fund information of which the designated fund use is the ICT according to the ICT contract information;

and the ICT fund pool unit is connected with the ICT information matching subunit and used for recording the corresponding ICT fund information in the government and enterprise customer fund pool account into the ICT fund pool.

In one embodiment, the ICT fund pool unit specifically comprises:

The association payment relationship subunit is also used for acquiring the association payment relationship of the government enterprise client fund pool account;

The second virtual account creation subunit is connected with the association payment relationship subunit and is used for creating a second virtual account for a plurality of government enterprise customer funds pool accounts with association payment relationship;

and the second virtual account recording subunit is connected with the second virtual account creating subunit and is used for recording Information and Communication Technology (ICT) fund information in the fund pool accounts of the plurality of government and enterprise clients with the associated payment relationship into the second virtual account.

In an embodiment, the payment relation module 2 further includes a billing unit, specifically including:

A fund usage information unit for acquiring fund usage information of the government enterprise customers from the fee center existing by the operator;

The virtual sub-account creation unit is connected with the fund use information unit and is used for responding to the fund entering the fund pool account of the same government enterprise customer, the fund use information designates multiple uses, a virtual sub-account is set according to each use, and corresponding fund information is recorded to the virtual sub-account;

And the virtual sub-account payment relation unit is connected with the virtual sub-account creation unit and is used for creating the payment relation of each virtual sub-account according to the fund use information.

In one embodiment, the payment recording module 3 specifically includes:

The first fund payment recording unit is used for completing first fund payment according to the instant payment relationship and the regular payment relationship, sending the information for completing the first fund payment to the existing business system and the existing expense center of the operator for sales, and recording the first fund payment information in the fund pool account of the government enterprise client after receiving the sales result response of the existing business system and the existing expense center of the operator;

And the second fund payment recording unit is used for receiving the ICT fund use application from the client manager equipment, completing the second fund payment in the ICT fund pool according to the ICT fund use application, sending information for completing the second fund payment to the existing business system and the charge center of the operator for recording, and recording the second fund payment information in the account of the government enterprise client fund pool.

In one embodiment, the reconciliation module 4 specifically includes:

The log information unit is used for acquiring the first log information of the log information unit and the second log information of the service system and the expense center existing in the operator at regular time every day;

the log comparison unit is connected with the log information unit and used for comparing the first log information with the second log information to generate a statement of account comparison detail;

And the reconciliation query unit is connected with the log comparison unit and is used for generating query information according to the reconciliation statement so as to query the government enterprise client equipment and the client manager equipment.

Example 3:

Embodiment 3 of the present disclosure provides a computer-readable storage medium having a computer program stored therein, which when executed by a processor, implements the method for managing government and enterprise customer revenue funds described in embodiment 1, or implements the apparatus for managing government and enterprise customer revenue funds described in embodiment 2.

Computer-readable storage media includes volatile or nonvolatile, removable or non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, computer program modules or other data. Computer-readable storage media includes, but is not limited to, RAM (Random Access Memory ), ROM (Read-Only Memory), EEPROM (ELECTRICALLY ERASABLE PROGRAMMABLE READ ONLY MEMORY, charged erasable programmable Read-Only Memory), flash Memory or other Memory technology, CD-ROM (Compact Disc Read-Only Memory), digital Versatile Disks (DVD) or other optical disk storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the desired information and which can be accessed by a computer.

In addition, the present disclosure may further provide a computer apparatus including a memory and a processor, the memory storing a computer program, the processor executing the method for managing government and enterprise customers 'receipts funds as described in embodiment 1 when the processor runs the computer program stored in the memory, the computer apparatus may be the apparatus for managing government and enterprise customers' receipts funds as described in embodiment 2.

The memory is connected with the processor, the memory can be flash memory or read-only memory or other memories, and the processor can be a central processing unit or a singlechip.

Embodiments 1 to 3 of the present disclosure provide a method for managing funds of an enterprise and government clients, an apparatus for managing funds of an enterprise and government clients, and a computer readable storage medium, by establishing a proprietary fund pool for an enterprise and government clients, and creating an enterprise and government clients fund pool account sequentially according to user information and fund information of an enterprise and government clients, creating a payment relationship for an enterprise and government clients fund pool account according to arrearage information, historical payment information and usage agreement information, completing funds payment according to the payment relationship, recording funds payment information in an enterprise and government clients fund pool account and an existing business system and a cost center of an operator, and reconciling funds with an existing business system and cost center of an operator according to a preset period, it is possible to efficiently manage funds of an enterprise and government clients fund from an enterprise and government clients according to the enterprise and government clients fund usage requirement.

It is to be understood that the above embodiments are merely exemplary embodiments employed to illustrate the principles of the present disclosure, however, the present disclosure is not limited thereto. Various modifications and improvements may be made by those skilled in the art without departing from the spirit and substance of the disclosure, and are also considered to be within the scope of the disclosure.

Claims (11)

1. A method of managing revenue funds for a government enterprise customer, the method comprising:

acquiring user information and fund information of an enterprise client from an existing business system and a cost center of an operator, and creating an enterprise client fund pool account according to the user information and the fund information of the enterprise client;

Acquiring arrearage information, historical payment information and use agreement information of an enterprise client from an existing business system and a cost center of an operator, and creating a payment relationship of an enterprise client fund pool account according to the arrearage information, the historical payment information and the use agreement information of the enterprise client;

completing fund payment according to the payment relationship, and recording fund payment information in a fund pool account of the government enterprise client and an existing business system and a cost center of an operator;

checking accounts with the existing business systems and cost centers of operators according to a preset period.

2. The method according to claim 1, wherein the user information and the fund information of the government enterprise client are obtained from an existing business system and a cost center of the operator, and the fund pool account of the government enterprise client is created according to the user information and the fund information of the government enterprise client, specifically comprising:

acquiring user information of government enterprise clients from an existing service system of an operator;

acquiring new bank transfer information from an existing charge center of an operator according to the user information;

Responding to the fact that the new bank transfer information comprises a complete user number, a transfer bank account number and a customer name, creating an enterprise customer fund pool account, and recording the new bank transfer information under the corresponding enterprise customer fund pool account;

otherwise, creating a customer fund pool account of the to-be-claimed government enterprise, and sending the account information of the customer fund pool of the to-be-claimed government enterprise to customer manager equipment for auditing and processing by a customer manager.

3. The method according to claim 1 or 2, wherein the obtaining of the arrearage information, the historical payment information and the usage agreement information of the government enterprise client from the existing business system and the existing fee center of the operator, and the creating of the payment relationship of the government enterprise client fund pool account based on the arrearage information, the historical payment information and the usage agreement information, specifically comprises:

Acquiring current arrearage information of government enterprise customers from an existing business system and a cost center of an operator, and creating an instant payment relationship of a government enterprise customer fund pool account according to the current arrearage information;

acquiring historical arrearage information and historical payment information of government enterprise customers from an existing business system and a cost center of an operator, and creating a periodic payment relationship of a government enterprise customer fund pool account according to the historical arrearage information and the historical payment information;

and acquiring the use protocol information of the government enterprise customers from the existing business system and the existing cost center of the operators, acquiring the ICT business information of the government enterprise customers according to the use protocol information, and creating an ICT fund pool of the fund pool account of the government enterprise customers according to the ICT business information.

4. A method according to claim 3, wherein creating a periodic payment relationship for the government and enterprise customer funds pool account based on the historical arrearage information and the historical payment information comprises:

acquiring a plurality of government enterprise customer fund pool accounts which have an associated payment relationship with each other according to the historical payment information;

creating a first virtual account for a plurality of government enterprise customer funds pool accounts having an associated payment relationship;

Recording funds information which is not appointed for use in the funds pool accounts of the plurality of government enterprise clients and has the associated payment relationship into a first virtual account;

And controlling the fund payment period of each of the plurality of government enterprise customer fund pool accounts with the associated payment relationship through the first virtual account according to the historical arrearage information and the historical payment information corresponding to each of the plurality of government enterprise customer fund pool accounts with the associated payment relationship.

5. A method according to claim 3, wherein the use agreement information of the government and enterprise customers is obtained from the existing business system and the cost center of the operator, the ICT business information of the government and enterprise customers is obtained according to the use agreement information, and the ICT fund pool of the fund pool account of the government and enterprise customers is created according to the ICT business information, and the method specifically comprises:

Information Communication Technology (ICT) business contract information of government enterprise customers is acquired from an existing business system of an operator, and fund use information of the government enterprise customers is acquired from an existing expense center of the operator;

matching ICT fund information which designates fund use as ICT according to the ICT contract information;

And recording the corresponding Information Communication Technology (ICT) fund information in the enterprise customer fund pool account into the ICT fund pool.

6. The method of claim 5, wherein recording the corresponding ICT funds information in the government enterprise customer funds pool account to the ICT funds pool, comprises:

acquiring an association payment relation of a government enterprise client fund pool account;

creating a second virtual account for a plurality of government enterprise customer funds pool accounts having an associated payment relationship;

information about ICT funds in the plurality of government and enterprise customer funds pool accounts with the associated payment relationship is recorded into a second virtual account.

7. A method according to claim 3, wherein creating a payment relationship for an account of a fund pool of government and enterprise customers, in particular further comprises:

acquiring fund usage information of government enterprise customers from an existing expense center of an operator;

Responding to funds entering the same government enterprise customer fund pool account, designating multiple uses by fund use information, setting a virtual sub-account according to each use, and recording corresponding fund information to the virtual sub-account;

and creating a payment relation of each virtual sub-account according to the fund use information.

8. A method according to claim 3, wherein the funds payment is completed according to a payment relationship and funds payment information is recorded in the government and enterprise customer funds pool account and in the operator's existing business system and fee center, comprising in particular:

The method comprises the steps of completing first fund payment according to an instant payment relationship and a periodic payment relationship, sending information for completing the first fund payment to an existing business system and a cost center of an operator for sales, and recording first fund payment information in a fund pool account of a client of an enterprise after receiving sales result responses of the existing business system and the cost center of the operator;

And receiving an ICT fund use application from the customer manager equipment, completing second fund payment in the ICT fund pool according to the ICT fund use application, sending information for completing the second fund payment to an existing business system and a cost center of an operator for recording, and recording second fund payment information in an account of the government enterprise customer fund pool.

9. The method according to claim 1, characterized by checking with the service system and the fee center existing in the operator according to a preset period, specifically comprising:

Acquiring own first log information and second log information of an existing service system and an existing charge center of an operator at regular time every day;

comparing the first log information with the second log information to generate a reconciliation statement;

and generating query information according to the statement of account checking detail so as to be queried by government enterprise client equipment and client manager equipment.

10. An apparatus for managing funds for a government enterprise customer's revenue, the apparatus comprising:

The account module is used for acquiring user information and fund information of the government enterprise clients from the existing business system and the existing expense center of the operator, and creating a fund pool account of the government enterprise clients according to the user information and the fund information of the government enterprise clients;

The payment relation module is connected with the account module and is used for acquiring the arrearage information, the historical payment information and the use agreement information of the government enterprise client from the existing business system and the existing cost center of the operator, and creating the payment relation of the government enterprise client fund pool account according to the arrearage information, the historical payment information and the use agreement information of the government enterprise client;

the payment recording module is connected with the payment relation module and is used for completing fund payment according to the payment relation and recording fund payment information in a fund pool account of a government enterprise client and an existing business system and a fee center of an operator;

and the accounting module is connected with the payment recording module and is used for accounting with the existing business system and the cost center of the operator according to a preset period.

11. A computer readable storage medium having stored therein a computer program which, when executed by a processor, implements the method of fund management for government enterprise customers as claimed in any of claims 1 to 9.