Data clearing method and device based on virtual account system

Abstract

The invention provides a data clearing method and device based on a virtual account system. The method comprises the steps of: obtaining the information of an entity account, and generating a main account through registration according to the information of the entity account; obtaining event occurrence states of a preset category according to a main account, and constructing virtual accounts associated with a main account according to one or more event occurrence states; acquiring associated information of corresponding events through the virtual accounts, and constructing an event clearing model according to the associated information; and obtaining account entry interest change data of the main account in a preset period, and obtaining interest data corresponding to each virtual accountaccording to the account entry interest change data and the event clearing model associated with the main account.

Description

technical field [0001] The invention relates to the field of financial data mining management, in particular to a data clearing method and device based on a virtual account system. Background technique [0002] The current development of the financial Internet has prompted the financial industry and the customers it serves to increase their demand for informatization construction. Through the promotion of financial technology, the bank's internal information and fund management services have been upgraded, and customers' own information management tends to be informatized. Through informatization construction, it has become a core tool for all parties to save personnel costs and manage costs. At the same time, human intervention can be effectively avoided through information processing, and the strength and effectiveness of capital supervision can be improved. For political and legal customers, because the account amount includes the amount deposited in multiple cases and e...

AI Technical Summary

Problems solved by technology

This risk will lead to two problems. First, if the incident at this stage is settled, the funds involved in the case need to be transferred to the special fund account in the next stage, and the interest generated by the funds at this stage needs to be transferred to the treasury account. The account is not clear, which makes it impossible to determine the amount of interest that needs to be transferred to the treasury for this event; second, it cannot meet the requirements of auditing and supervision for fund supervision in units of events

The event interest bookkeeping method adopted today is a bookkeeping method that manually calculates interest based on the amount of event funds, the time difference between deposit and withdrawal, and bank interest calculation rules; this method is relatively inefficient, and there are too many manual interventions, and the probability of calculation errors is high

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