TWI820556B - Fund transfer automatic accounting system and method - Google Patents

Abstract

A system and method for automatic accounting of fund allocation, which is to set up a fund pool in a central bank server, in which funds are deposited in multiple financial institution servers; at least one of the financial institution servers sends a fund operation instruction, The central bank server performs fund transfer operations to the fund pool based on the fund operation instructions, and sends a transaction result notification to the intermediary agency server; the intermediary agency server includes a first account and a second account. The first account updates the balance based on the transaction result notification, and the second account records the transaction result notification in a column. Then compare the consistency of the first account and the second account to achieve Automatic accounting function.

Description

System and method for automatic accounting of fund allocation

The present invention relates to a new type of cash flow architecture, and in particular to a system and method for automatic accounting of fund allocation.

At present, every banking institution is required to open a reserve guarantee account with the central bank. A part of the bank's income must be deposited into the reserve guarantee account as an allocation fund to avoid bank losses and the public cannot receive them. Money matters, protecting the rights and interests of depositors. The central bank will transfer the fund from the reserve guarantee account to a fund pool. In fact, inter-bank transactions between banks are conducted by withdrawing funds from the fund pool.

The fund belongs to a banking institution, so the banking institution sends a request for the central bank to operate it. Since the fund has no interest in the fund pool, but has interest in the reserve guarantee account, and the amount of the fund is quite large, generally in units of hundreds of millions, so even if the fund is only deposited into the reserve guarantee account for a short period of time, it will still There is considerable interest. Therefore, banking institutions need to transfer funds back and forth between the fund pool and the reserve guarantee account. These transfer-out and transfer-in transactions are accounted for and reconciled by the intermediary server. In addition to day-end accounting, the central bank will send verification requests to the intermediary server from time to time. In the previous technology, when the intermediary agency server receives the verification request, it will directly obtain the final amount of the account and send it back to the central bank. However, since there is only one account, it is difficult to detect accounting errors. Even if an error is found in the account, it is difficult to find the needle in the haystack to find the problematic transaction.

Therefore, in view of the shortcomings of the above-mentioned conventional technology and future needs, the present invention proposes a system and method for automatic accounting of fund allocation. The specific structure and its implementation will be described in detail below:

The main purpose of the present invention is to provide a system and method for automatic accounting of fund allocation, which sets up two accounts to record the fund allocation of the fund pool in the central bank server. Mutual accounting can quickly detect account errors, and Helps find problematic transactions.

Another object of the present invention is to provide a system and method for automatic accounting of fund allocation, in which the first account and the second account are accounted in different ways to avoid simultaneous accounting errors.

In order to achieve the above object, the present invention provides a system for automatic accounting of fund allocation, including: a plurality of financial institution servers, at least one of which sends at least one fund operation instruction; a central bank server whose signals are connected to the financial institution servers. , there is a fund pool in the central bank server, in which funds are deposited in the servers of the financial institutions, and the central bank server performs the transfer-out or transfer-in operation of the fund to the fund pool based on the at least one fund operation instruction. ; and an intermediary server whose signals are connected to the central bank server and the financial institution servers. When the central bank server transfers out or transfers in the fund in the fund pool, it will issue a transaction. The results are notified to the intermediary server. The intermediary server further includes: an account module that stores one of the first accounts of the fund pool and updates the balance in the first account based on the transaction result notifications. ; a monitoring module that monitors the entry and exit status of the fund in the fund pool, and records the transaction result notifications in a column form as a second account related to the fund pool; and a comparison module that connects the The accounting module and the monitoring module are used to compare the consistency of the first account and the second account.

According to an embodiment of the present invention, the central bank server is provided with a plurality of accounts corresponding to the servers of the financial institutions, and the fund operation instruction requires the fund to be in the fund pool and corresponding to the at least one person who sends the fund operation instruction. Transfer operations to and from accounts on financial institution servers.

According to an embodiment of the present invention, the central bank server not only sends the transaction result notification to the intermediary agency server, but also sends it to the at least one financial institution server corresponding to the fund operation instruction.

According to an embodiment of the present invention, the first account records the amount after addition or subtraction based on the transaction result notification, but does not record the amount in the transaction result notification.

According to an embodiment of the present invention, the second account further includes a transfer-out account and a transfer-in account, respectively accumulating transaction result notifications of transfer-out operations and transaction result notifications of transfer-in operations.

According to an embodiment of the present invention, the second account further includes a plurality of breakpoints, and a breakpoint is marked at the end of each day.

According to an embodiment of the present invention, the central bank server sends a verification request message to the intermediary agency server from time to time, so that the comparison module compares the first account and the first account when receiving the verification request message. Whether the final amount of one of the second accounts is consistent.

The present invention also provides a method for automatic accounting of fund allocation, including the following steps: setting up a fund pool in a central bank server, in which funds are deposited in a plurality of financial institution servers; at least one of the financial institution servers The central bank server sends at least one fund operation instruction to the central bank server, and the central bank server performs the transfer-out or transfer-in operation of the fund to the fund pool based on the at least one fund operation instruction, and sends a transaction result notification to the intermediary. The agency server; and an accounting module, a monitoring module and a comparison module are provided in the intermediary server, and the accounting module Store one of the first accounts of the fund pool, and update the balance in the first account according to the transaction result notifications. The monitoring module monitors the entry and exit status of the fund in the fund pool, and notifies the transaction results to It is recorded as a second account related to the fund pool in a column manner, and then the comparison module is used to compare the consistency of the first account and the second account.

10: Automatic accounting system for fund allocation

12:Central Bank Server

122:Fund pool

124:Account

14:Intermediary server

142:Account module

1422:First Account

144:Monitoring module

1442:Second Account

146:Comparison module

16: Financial institution server

Figure 1 is a schematic diagram of the transaction environment of the automatic accounting system for fund allocation according to the present invention.

Figure 2 is a block diagram of the automatic accounting system for fund allocation according to the present invention.

Figure 3 is a flow chart of the automatic accounting method for fund allocation according to the present invention.

The present invention provides a system and method for automatic accounting of capital allocation. Please refer to Figure 1 and Figure 2 at the same time. Figure 1 is a schematic diagram of the transaction environment of the system 10 for automatic verification of capital allocation according to the present invention. Figure 2 is a schematic diagram of the transaction environment. A block diagram of the system 10 for automatic accounting of fund allocation according to the present invention. The automatic accounting system 10 for fund transfer of the present invention includes a central bank server 12, an intermediary agency server 14 and a plurality of financial institution servers 16. The financial institution server 16 is connected to the central bank server 12 and the intermediary server 14 via signals, and the intermediary server 14 is also connected to the central bank server 12 and the financial institution server 16 via signals. Among them, the central bank server 12 belongs to the central bank that oversees domestic financial institutions. The intermediary server 14 is a credible third-party institution, which is not a bank, but provides the function of integrating multiple financial institutions to use the same service. Each financial institution server 16 belongs to a bank, and these financial institution servers 16 are under the jurisdiction of the central bank.

The central bank server 12 includes a fund pool 122, and the financial institution server 16 will regularly allocate a fund and deposit it into the fund pool 122. In addition, as shown in Figure 2, each financial institution server 16 opens an account 124 in the central bank server 12, and the financial institution server 16 regularly allocates a fund and deposits it into the account 124 as a Bank reserves are then transferred to the fund pool 122 by the central bank server 12 . Since the funds in the fund pool 122 belong to the financial institution server 16, the central bank server 12 cannot operate this fund by itself, but is operated by the financial institution server 16. The fund has no interest in fund pool 122, but it can have interest in account 124, and the amount of the fund is quite large, generally in units of hundreds of millions. Therefore, even if the funds in fund pool 122 are only transferred out to account 124, it will be short-term. time, there can still be considerable interest. Therefore, the financial institution server 16 needs to transfer funds back and forth between the fund pool 122 and the account 124 .

The transfer operations of funds back and forth between the fund pool 122 and the account 124 are accounted for and monitored by the intermediary server 14 . Taking a single financial institution server 16 to operate its own fund as an example, when the financial institution server 16 wants to transfer the fund to the account 124, it will first send a fund operation instruction to the central bank server 12. At this time, the fund operation The instruction is a transfer notification message, which includes the transfer amount and the code of the financial institution; the central bank server 12 then transfers the funds with the transfer amount from the fund pool 122 to the corresponding sender according to the content of the transfer notification message. The fund operation instruction is placed in the account 124 of the financial institution server 16, and a transaction result notification is sent to the intermediary institution server 14 and the financial institution server 16. Similarly, when the financial institution server 16 wants to transfer funds to the fund pool 122, it first sends a fund operation instruction to the intermediary agency server 14. At this time, the fund operation instruction is a transfer notification message, which includes a transfer notification message. The deposit amount and the code of the financial institution; the intermediary server 14 then forwards the transfer notification message to the central bank server 12. Then, the central bank server sends the transferred amount of funds from the corresponding fund operation according to the content of the transfer notification message. The instruction is transferred to the account 124 of the financial institution server 16 to the fund pool 122, and a transaction result notification is sent to the intermediary server 14 and the financial institution server 16.

The intermediary server 14 further includes an accounting module 142, a monitoring module 144 and a comparison module 146. Among them, the account module 142 includes a first account 1422 that records and stores the balance of the fund pool 122, and updates the balance in the first account 1422 according to the transaction result notification. The monitoring module 144 is used to monitor the entry and exit status of funds in the fund pool 122, and record the received transaction result notifications into a second account 1442 related to the fund pool 122 in a columnar manner. In particular, the monitoring module 144 monitors when the central bank server 12 transmits the transaction result notification to the accounting module 142. Therefore, it also obtains the transaction result notification during this message transmission process, and then records it in Second Account 1442. The comparison module 146 is connected to the account module 142 and the monitoring module 144 to compare the consistency of the first account 1422 and the second account 1442, for example, whether the balances of the two are the same.

Please also refer to Figure 3, which is a flow chart of the automatic accounting method of fund allocation according to the present invention. First, in step S10, a fund pool 122 is set up in a central bank server 12, in which funds from a plurality of financial institution servers 16 are deposited. Next, as described in step S12, the financial institution server 16 sends at least one fund operation instruction to the central bank server 12. In step S14, the central bank server 12 performs the transfer-out or transfer-in operation of the fund to the fund pool 122 according to the at least one fund operation instruction, and sends a transaction result notification to the intermediary server 14; then in step S16, in The intermediary agency server 14 is provided with an account module 142, a monitoring module 144 and a comparison module 146. The account module 142 stores one of the first accounts 1422 of the fund pool 122 and notifies updates based on transaction results. The monitoring module 144 monitors the balance in the first account 1422 and monitors the incoming and outgoing status of the funds in the fund pool 122, and records the transaction result notification in a column form as a second account 1442 related to the fund pool 122; finally, as follows: step As described in step S18, the comparison module 146 is used to compare the first account 1422 and the second account 1442 to determine whether they are consistent.

An example of the difference between the first account 1422 and the second account 1442 is as follows. If the transaction result is notified in Table 1 below, including the transaction time and transfer-out/in amount (in billions), and the original balance of the account module 142 is 100, then the number recorded in the first account 1422 will be recorded in the table below two:

換言之，帳目模組142是已經將餘額進行加法和減法後，將結果(餘額)記錄在第一帳目中1422。第一帳目1422係記錄依據交易結果通知加減後的金額，而不記錄交易結果通知中的金額。

In other words, the accounting module 142 records the result (balance) in the first account 1422 after adding and subtracting the balance. The first account 1422 records the amount after addition or subtraction based on the transaction result notification, but does not record the amount in the transaction result notification.

When the monitoring module 144 receives the same transaction result notification (as shown in Table 1 above), it will generate a second account 1442 as shown in Tables 3 and 4-2 below, which includes the transaction time, transfer-out/in amount (in billions) in units) and the balance.

表三是記錄轉入作業的轉入帳目，而表四則是記錄轉出作業的轉出帳目。換句話說，監控模組144會將交易結果通知分成轉入和轉出兩份帳目，分別累計轉出作業之交易結果通知及轉入作業之交易結果通知。

Table 3 records the transfer-in accounts for transfer-in operations, while Table 4 records the transfer-out accounts for transfer-out operations. In other words, the monitoring module 144 will divide the transaction result notification into two accounts: transfer-in and transfer-out, and accumulate transaction result notifications for the transfer-out operation and transaction result notifications for the transfer-in operation respectively.

Generally speaking, monitoring network messages can only see the status, such as what type of message packets are being transmitted, but the monitoring module in the present invention can also see the contents of the message packets. In addition, the second account is kept in a cumulative manner, which has the advantage that it can be pushed back to the above data to query whether a certain transaction is transferred in or out. If you look up the first account, you can only check the balance after addition and subtraction. You need to compare it with the previous transaction to know whether it is a transfer in or out.

The disadvantage of accumulation is that without breakpoints, it will be very difficult to find the amount of a certain day or transaction in huge data. If there is a starting point and an ending point every day, it will be much simpler. To find data for a certain day, just find the end point of the previous day. Therefore, the second account 1442 of the present invention further includes multiple breakpoints, and a breakpoint is marked at the end of each day to facilitate the identification and query of each day's transactions.

In addition, in addition to the day-end accounting, the central bank server 12 will send an accounting request message to the intermediary agency server 14 from time to time to request accounting. In the prior art, when the central bank server 12 occasionally sends a verification request message to the intermediary agency server 14 to request for verification, the intermediary agency server 14 directly obtains the final amount of the first account 1422 and returns it. to central bank server 12. However, in the present invention, after receiving the verification request message, the comparison module 146 will retrieve the current final amounts of the first account 1422 and the second account 1442, and compare whether they are consistent. If they are consistent, the final amount will be Back to the central bank server 12.

Therefore, through the automatic accounting system and method for fund allocation provided by the present invention, two accounts are generated in different ways based on the same transaction result notification, and compared with each other to ensure the accuracy of the accounts. Even if you are querying a certain transaction on a certain day, you can also query the first and second accounts at the same time. Even if you find that the amounts are inconsistent during accounting, you can compare the two accounts with each other, making it easier to quickly find out the problem. Which transaction is it.

The above descriptions are only preferred embodiments of the present invention and are not intended to limit the scope of the present invention. Therefore, all equivalent changes or modifications made in accordance with the characteristics and spirit described in the scope of the present invention shall be included in the patent scope of the present invention.

10: Automatic accounting system for fund allocation

12:Central Bank Server

122:Fund pool

124:Account

14:Intermediary server

142:Account module

1422:First Account

144:Monitoring module

1442:Second Account

146:Comparison module

16: Financial institution server

Claims (14)

A system for automatic accounting of funds allocation, including: A plurality of financial institution servers, at least one of which sends at least one fund operation instruction; A central bank server with signals connected to the servers of the financial institutions. The central bank server has a fund pool in which funds are deposited in the servers of the financial institutions. The central bank server operates according to the at least one fund operation instruction. Carry out the transfer operation of the fund out or into the fund pool; and An intermediary agency server connects signals to the central bank server and the financial institution servers. When the central bank server transfers out or transfers in the fund in the fund pool, it will issue a transaction result notification. To the intermediary server, the intermediary server further includes: An account module that stores one of the first accounts of the fund pool and updates the balance in the first account based on notifications of the transaction results; A monitoring module that monitors the entry and exit status of the fund in the fund pool, and records the transaction result notifications in a column in a second account related to the fund pool; and A comparison module is connected to the account module and the monitoring module, and is used to compare the consistency of the first account and the second account. For example, in the automatic accounting system for fund allocation as described in request item 1, the central bank server has multiple accounts corresponding to the servers of the financial institutions, and the fund operation instruction requires the fund to be in the fund pool and the corresponding The transfer operation is performed between the accounts of the at least one financial institution server that sent the fund operation instruction. The automatic accounting system for fund allocation as described in request item 1, wherein the central bank server not only sends the transaction result notification to the intermediary agency server, but also sends it to the at least one person corresponding to the fund operation instruction. Financial institution server. The automatic accounting system for fund transfer as described in request item 1, wherein the first account records the amount after addition or subtraction based on the transaction result notification, but does not record the amount in the transaction result notification. A fund transfer automatic accounting system as described in request item 1, wherein the second account further includes a transfer-out account and a transfer-in account, respectively accumulating the transaction result notifications of the transfer-out operation and the transactions of the transfer-in operation. Result notification. For example, in the automatic accounting system for fund allocation as described in claim 1, the second account further includes multiple breakpoints, and a breakpoint is marked at the end of each day. The automatic accounting system for fund transfer as described in request item 1, wherein the central bank server sends an verification request message to the intermediary agency server from time to time, so that the comparison module receives the verification request message. Compare whether the final amounts of the first account and one of the second accounts are consistent. A method for automatic accounting of fund allocation, including: Set up a fund pool in a central bank server, in which funds are deposited into servers of multiple financial institutions; At least one of the financial institution servers sends at least one fund operation instruction to the central bank server, and the central bank server performs the transfer-out or transfer-in operation of the fund to the fund pool based on the at least one fund operation instruction. , and send a transaction result notification to the intermediary server; and There is an account module, a monitoring module and a comparison module in the intermediary server. The account module stores the first account of the fund pool and updates the first account based on the transaction result notifications. The balance in an account, the monitoring module monitors the entry and exit status of the fund in the fund pool, and records the transaction result notifications in a column form into a second account related to the fund pool, and then uses the ratio Compare the consistency of the first account and the second account with the module. For example, in the automatic accounting method for fund allocation described in request item 8, the central bank server has multiple accounts corresponding to the servers of the financial institutions, and the fund operation instruction requires the fund to be in the fund pool and the corresponding The transfer operation is performed between the accounts of the at least one financial institution server that sent the fund operation instruction. The method for automatic accounting of fund allocation as described in request item 8, wherein the central bank server not only sends the transaction result notification to the intermediary server, but also sends it to the at least one person who correspondingly sends the fund operation instruction. Financial institution server. The automatic accounting method for fund transfer as described in request item 8, wherein the first account records the amount after addition or subtraction based on the transaction result notification, but does not record the amount in the transaction result notification. The method of automatic accounting of fund transfer as described in request item 8, wherein the second account further accumulates the transaction result notification of the transfer-out operation and the transaction result notification of the transfer-in operation into one transfer-out account and one transfer-in operation respectively. in the accounts. The method for automatic accounting of fund allocation as described in claim 8, wherein the second account will mark a breakpoint at the end of each day. The automatic accounting method for fund transfer as described in request item 8, wherein the central bank server sends a verification request message to the intermediary agency server from time to time, so that the comparison module receives the verification request message. Compare whether the final amounts of the first account and one of the second accounts are consistent.

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