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City distribution fund management system

A fund management and urban technology, applied in finance, data processing applications, instruments, etc., can solve problems such as troublesome fund verification, inability to distinguish false expenditures in time, and huge amount of reconciliation.

Inactive Publication Date: 2017-05-31
GUIZHOU MODERN LOGISTICS ENG TECH RES
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The traditional transaction reconciliation method has many disadvantages in the face of the current mass transaction methods across regions and even countries, such as the huge amount of reconciliation, troublesome fund verification, and the inability to distinguish occasional false expenditures in time
[0004] At present, there is no public document on the corresponding fund management system in China

Method used

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  • City distribution fund management system

Examples

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Comparison scheme
Effect test

Embodiment 1

[0014] Urban distribution fund management system, the user's mobile phone number is 135****1111 as the unique identification mark, and 3 accounts are automatically generated: M-135****1111; R-135****1111; L-135** **1111; where the M prefix indicates the user's current available fund balance, the L prefix indicates the user's currently frozen fund balance, that is, the fund balance that is temporarily unavailable due to various reasons, and R indicates the user's points and other virtual currency balances; The funds injected by the user through online payment are transferred to the balance account. The system will add the balance of the corresponding amount to the corresponding balance account after receiving the notification about the arrival of funds from the third-party payment system.

[0015] The user selects the service provider and makes a transaction. The service provider applies for cash withdrawal to the city distribution fund management system. The city distribution ...

Embodiment 2

[0017] Urban distribution fund management system, the user's mobile phone number is 136****2222 as the unique identification mark, and 3 accounts are automatically generated: M-136****2222; R-136****2222; L-136** **2222; where the M prefix indicates the user's current available fund balance, the L prefix indicates the user's currently frozen fund balance, that is, the fund balance that is temporarily unavailable due to various reasons, and R indicates the user's points and other virtual currency balances; The user recharges to the balance account through offline recharging, and the system will add a corresponding amount of balance to the corresponding balance account after the system receives the notification that the offline recharge has passed all audits.

[0018] The user selects the service provider and makes a transaction. The service provider applies for cash withdrawal to the city distribution fund management system. The city distribution background generates a withdrawa...

Embodiment 3

[0020] Urban distribution fund management system, the user's mobile phone number is 136****3333 as the unique identification mark, and 3 accounts are automatically generated: M-136****3333; R-136****3333; L-136** **3333; where the M prefix indicates the user's current available fund balance, the L prefix indicates the user's currently frozen fund balance, that is, the fund balance that is temporarily unavailable due to various reasons, and R indicates the user's points and other virtual currency balances; When the user terminates the service and needs to withdraw the funds in the balance account, the corresponding funds will be moved from M-136****3333 to L-136****3333, and the system will start the withdrawal review process. When the review is completed, the corresponding The real funds will be paid to the user, and the corresponding amount in the frozen account will be deducted.

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PUM

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Abstract

The invention discloses a city distribution fund management system. A user mobile phone number / a user ID is taken as a unique identification mark; each mark automatically generates three accounts: M-Account, R-Account and L-Account; when a user performs trading, a service provider successfully initiates a deposit withdrawal application and transfers a corresponding amount of the user to the L-Account from the M-Account, so that the user cannot operate the amount; operational and financial staffs perform audit processing of deposit withdrawal at a background, and after the processing succeeds, cash is paid to a bank card of the service provider, and the amount in the L-Account is reset; and if the deposit withdrawal fails, the fund is recovered to the M-Account from the L-Account. According to the system, the security problem during city distribution fund recording and expenditure is solved and the effects of interlocking and mutual supervision are achieved through combination of online operation and offline operation.

Description

technical field [0001] The invention relates to the technical field of computer applications, in particular to an account reconciliation process mode combining online and offline to prevent fund loss. Background technique [0002] In the commercial layout of modern Internet companies, online payment has basically become an essential function of every product. With the country's contraction policy on payment licenses and after a period of market competition, the payment solutions for user terminals have gradually matured. However, the third-party payment helps enterprises to manage the funds collected from the terminal, which is the Achilles heel of most enterprises. Especially for enterprises in traditional industries, how to strike a balance between capital security and management costs is a constraint. A major challenge in business development. [0003] The traditional transaction reconciliation method has many disadvantages in the face of the current mass transaction met...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q40/02
CPCG06Q20/02G06Q40/02
Inventor 周阳先玉兰李明涛李旭胥松
Owner GUIZHOU MODERN LOGISTICS ENG TECH RES
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