CN108230154B - Backstage automatic clearing system for fund sales manager - Google Patents
Backstage automatic clearing system for fund sales manager Download PDFInfo
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- CN108230154B CN108230154B CN201611161034.4A CN201611161034A CN108230154B CN 108230154 B CN108230154 B CN 108230154B CN 201611161034 A CN201611161034 A CN 201611161034A CN 108230154 B CN108230154 B CN 108230154B
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Abstract
The invention relates to a background automatic clearing system for a fund sales manager, which comprises a front-end system, a back-end system, a data exchange network access end, a fund clearing end, an operation platform, an auditing system and a database, wherein the database is respectively connected with the front-end system, the back-end system, the data exchange network access end, the fund clearing end, the operation platform and the auditing system and performs data transmission. The system has the advantages of safety, stability, strong reliability and good expansibility; the function of direct account opening of online verification is met, and various bank cards are supported to conduct transactions; each component of the system is separated, so that the maintenance difficulty is low; the fund use efficiency is improved; supporting a middle TA login and a self-built TA; the system has strong configuration expansion function; the system has strong standard interface support; has complete safety protection measures.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a background automatic liquidation system for fund sales managers.
Background
From the current open fund transaction mode, whether the bank agent mode or the direct sale mode, the most difficult problem is fund transfer, which brings much inconvenience to the application and transaction operation of investors, and the inconvenience is mainly expressed in the following aspects:
1. the investor has to go to a plurality of banks appointed by the fund company to handle bank cards, and can only handle the affiliate business at the bank, so that the business limitation is large;
2. the fund company needs to confirm the legality of the bank card of the investor to the related bank, and the fund company has large workload and low efficiency;
3. the investor needs to transfer the fund to a specified bank card before purchase, and the cash transfer operation generally adopted at present is troublesome and has certain risk;
4. in terms of the current procurement and redemption operation flow, the fund of investors is usually in place within 2-5 days, and the use efficiency of the fund is reduced.
Chinese utility model patent CN200820153525.9, published as 2009.07.01, discloses a fund clearing system for connecting between banking system and gold exchange system. The system can complete the direct connection between the bank attraction and the gold exchange system, and is convenient for the gold exchange to carry out fund transfer and financial inquiry in real time conveniently. However, the clearing system can only be used in a single service scene, can only be used in a designated place, cannot be applied to fund which has various sale front ends, cannot perform automatic or manual check on the fund, and has a single encryption mode, and the security cannot be ensured.
Therefore, there is a need for a clearing system that can solve the above problems, and no report on such a clearing system is found at present.
Disclosure of Invention
The invention aims to provide a background automatic liquidation system for fund sales managers aiming at the defects in the prior art.
In order to achieve the purpose, the invention adopts the technical scheme that:
a fund sales manager background automatic clearing system comprises a front-end system, a back-end system, a data exchange network access end, a fund clearing end, an operation platform, an auditing system and a database, wherein the database is respectively connected with the front-end system, the back-end system, the data exchange network access end, the fund clearing end, the operation platform and the auditing system and performs data transmission.
The front-end system is a sale front-end system, and the sale front-end system comprises an online sale front-end system, a counter sale front-end system, a mobile phone APP sale front-end system and a telephone sale front-end system.
The back-end system is a back-end service system, and the back-end service system comprises a CRM.
The data exchange network access end can access a data exchange network, and the data exchange network comprises a Shenzhen network, a private line connection network and an internet direct connection network.
The data transmission is http data encryption transmission.
The auditing system comprises a double rechecking system, an automatic early warning system in the clearing process, a multi-stage share balancing and internal automatic reconciliation system and system backup and recovery.
The front end system is designed in a BS mode, and the back end system is designed in a CS mode.
The application method of the automatic liquidation system comprises the following steps:
s1: the fund sales collects sales data, checks funds and applies for the data and exports the data through a front-end system;
s2: the application request is transmitted to a database of a fund company through a data exchange network, the fund company verifies and confirms the application through an operation platform, transmits confirmation data to a supervision bank through the data exchange network, and transmits a confirmation reply to a front-end system;
s3: after receiving the confirmation data, the supervising bank transfers funds in the forward direction;
s4: after receiving the reply, the front-end system accesses the database and the fund clearing end by using the operation platform;
s5: the fund clearing end clears the account and the transaction;
s6: after clearing, the fund clearing end sends a money transfer instruction;
s7: after receiving the money transfer instruction, the supervising bank transfers the fund reversely;
s8: and (5) ending the money transfer, ending the clearing process and saving the log by the system.
The invention has the advantages that:
1. the system is safe and stable, strong in reliability and good in expansibility;
2. the function of direct account opening of online verification is met, and various bank cards are supported to conduct transactions;
3. each component of the system is separated, so that the maintenance difficulty is low;
4. the fund use efficiency is improved;
5. and supporting the middle TA registration and the self-built TA.
Drawings
FIG. 1 is a schematic diagram of the architecture of the background automated clearing system for fund sales managers of the present invention.
FIG. 2 is an application workflow diagram of the fund sales manager background automated clearing system of the present invention.
FIG. 3 is a daily processing work page of the fund sales manager background automated clearing system of the present invention.
FIG. 4 is an account clearance page of the fund sales manager background automated clearance system of the present invention.
FIG. 5 is a transaction clearing page of the fund sales manager background automated clearing system of the present invention.
FIG. 6 is a file export pre-processing page of the fund sales manager's background automated clearing system of the present invention.
FIG. 7 is a document monitoring page of the fund sales manager background automated clearing system of the present invention.
Detailed Description
The following detailed description of the present invention will be made with reference to the accompanying drawings.
Referring to fig. 1, the background automatic liquidation system of fund sales managers of the invention comprises a front-end system, a back-end system, a data exchange network access end, a fund liquidation end, an operation platform, an audit system and a database, wherein the front-end system is a sale front-end system, the sale front-end system comprises an online sale front-end system, a counter sale front-end system, a mobile phone APP sale front-end system and a telephone sale front-end system, the back-end system is a back-end service system, the back-end service system comprises a CRM, the data exchange network which can be accessed by the data exchange network access end comprises a Shenzhen through network, a special line connection network and an Internet direct connection network, the database is respectively connected with the front-end system, the back-end system, the data exchange network access end, the fund liquidation end, the operation platform and the audit system and performs data transmission, the data transmission is http data encryption transmission, the auditing system comprises a double rechecking system, an automatic early warning system in the clearing process, a multi-stage share balance and internal automatic reconciliation system, and system backup and recovery, wherein the front-end system is designed in a BS mode, and the back-end system is designed in a CS mode.
The invention relates to a workflow of a background automatic clearing system of a fund sales manager, which refers to fig. 2. The fund sale summarizes the sale data and the fund account in a sale front-end system, and uploads the data to a database through a front-end system access end; the fund company staff verifies and confirms the data through the operation platform; after receiving the confirmation data, the supervising bank transfers funds in the forward direction; after the fund company staff verifies and confirms the data, the confirmed receipt is transmitted to a fund clearing end through a database; the fund clearing end respectively clears the account and the transaction; after clearing, the fund clearing end sends a money transfer instruction; after receiving the money transfer instruction, the supervising bank transfers the fund reversely; and after the money transfer is finished, the clearing process is finished, and the system stores the working log.
The invention relates to a front-end system of a fund sales manager background automatic clearing system, namely a sales front-end system, which comprises an online sales front-end system, a counter sales front-end system, a mobile phone APP sales front-end system and a telephone sales front-end system, wherein the account mode of the system is divided into four-layer structures of a client number, a fund account, a transaction account and a fund account, and the system supports service expansion functions in multiple aspects: supporting a fund account mode of adopting shareholder codes for central registration; supporting a fund account mode of a fund company; supporting a temporary number fund account mode of a fund company; supporting a fund account number of a fund company to correspond to a plurality of transaction account number modes; the support transaction account number is generated according to the channel and the bank account.
The auditing system of the fund sales manager background automatic clearing system comprises a double rechecking system, an automatic early warning system in the clearing process, a multi-stage share balancing and internal automatic reconciliation system, and system backup and recovery. The double rechecking system has the functions of auditing key parameter input and double rechecking of real-time service application; the automatic early warning system in the clearing process has the functions of automatically warning abnormal records in the pre-clearing process and automatically prompting when business risks appear in the clearing process; the multi-stage share balance and internal automatic account checking system has the functions of realizing the balance of the total share of the fund and the balance of the share of an investor; the system backup and recovery function is database level backup before and after clearing, the account clearing process and the transaction clearing process can be recovered, and the clearing data before and after recovery are kept consistent (including serial numbers).
According to the using method of the fund sales manager background automatic clearing system, a worker opens an operation platform, as shown in figure 3, the operation platform displays a daily work guide, the daily work guide displays a daily work flow, and the method comprises the steps of information import, clearing, data export and the like; when the database receives a clearing instruction through a data exchange network, beginning to clear funds; as shown in fig. 4, the account clearing page displays the current account clearing process, and each clearing will display the successful clearing stroke, the failed clearing stroke and the total clearing stroke, and record the clearing time and the clearing remarks; as shown in fig. 5, the transaction clearing page displays the current transaction clearing process, and each clearing will display the successful clearing stroke, the failed clearing stroke and the total clearing stroke, and record the clearing time and the clearing remarks; as shown in fig. 6, after the clearing is completed, the staff member will generate a corresponding data file after the data application export processing data export processing is completed, and display the relevant parameters of the data file, such as the code of the registration settlement system, the application company, the type of the investor, etc.; as shown in fig. 7, the file monitoring can monitor the movement of the data file at any time, such as a mechanism for performing file transmission, whether the file transmission is transmitted or received, a file storage location, and the like, so that monitoring personnel can manage the data file at any time.
The background automatic liquidation system for the fund sales manager has the advantages of safety, stability, high reliability and good expansibility; the function of direct account opening of online verification is met, and various bank cards are supported to conduct transactions; each component of the system is separated, so that the maintenance difficulty is low; the fund use efficiency is improved; supporting a middle TA login and a self-built TA; the system has strong configuration expansion function, and can perform public parameter management, fund state service configuration, account service mode configuration, wallet and payment functions, payment channel and channel reconciliation increase, card binding and payment route configuration, and report self-defined data column and format query; the system has strong standard interface support, the interface includes the open fund sales data interface standard of the certificate Authority version 2.0, the Zhongcheng uniform interface, the mainstream TA system interface, the fund service system interface, can also expand the corresponding interface, and carry on the control and import and export automatically to the interface data; the method has complete safety protection measures, namely http data encryption transmission is used for data transmission, user password requirement encryption storage, online transaction prohibition anti-phishing technology, transaction short message notification, authentication code verification provided by authentication, password authentication and a digital soft keyboard.
The above description is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, several modifications and additions can be made without departing from the method of the present invention, and these modifications and additions should also be regarded as the protection scope of the present invention.
Claims (2)
1. A fund sales manager background automatic clearing system is characterized by comprising a front-end system, a back-end system, a data exchange network access end, a fund clearing end, an operation platform, an audit system and a database, wherein the database is respectively connected with the front-end system, the back-end system, the data exchange network access end, the fund clearing end, the operation platform and the audit system and carries out encrypted data transmission, the encrypted data transmission is Https data encrypted transmission, the front-end system is a sales front-end system, fund sales is carried out on sales data collected and fund reconciled in the sales front-end system, and the data is uploaded to the database through the front-end system access end, the front-end system is designed in a BS mode, the back-end system is designed in a CS mode, the back-end system is a back-end service system, and the data exchange network access end can be accessed to the data exchange network, the sale front-end system comprises an online sale front-end system, a counter sale front-end system, a mobile phone APP sale front-end system and a telephone sale front-end system, the account mode is divided into four layers of structures of a client number, a fund account, a transaction account and a fund account, and supports the service expansion function of a plurality of aspects, the back-end service system comprises a CRM, the data exchange network comprises a Shenzhen through network, a private line connection network and an Internet direct connection network, the operation platform displays a daily work guide, the daily work guide displays a daily work flow and comprises the steps of information import, clearing and data export, and when the database receives a clearing instruction through a data exchange network, beginning to clear the fund, wherein the auditing system comprises a double rechecking system, an automatic early warning system in the clearing process, a multi-stage share balance and internal automatic reconciliation system, and system backup and recovery.
2. A method of application of the automated clearing system of claim 1, comprising the steps of:
s1: the fund sales collects sales data, checks funds and applies for the data and exports the data through a front-end system;
s2: the application request is transmitted to a database of a fund company through a data exchange network, the fund company verifies and confirms the application through an operation platform, transmits confirmation data to a supervision bank through the data exchange network, and transmits a confirmation reply to a front-end system;
s3: after receiving the confirmation data, the supervising bank transfers funds in the forward direction;
s4: after receiving the reply, the front-end system accesses the database and the fund clearing end by using the operation platform;
s5: the fund clearing end clears the account and the transaction;
s6: after clearing, the fund clearing end sends a money transfer instruction;
s7: after receiving the money transfer instruction, the supervising bank transfers the fund reversely;
s8: and (5) finishing money transfer, finishing a clearing process, and saving a working log by the system.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611161034.4A CN108230154B (en) | 2016-12-15 | 2016-12-15 | Backstage automatic clearing system for fund sales manager |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611161034.4A CN108230154B (en) | 2016-12-15 | 2016-12-15 | Backstage automatic clearing system for fund sales manager |
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| CN108230154A CN108230154A (en) | 2018-06-29 |
| CN108230154B true CN108230154B (en) | 2021-11-02 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111145030A (en) * | 2019-11-28 | 2020-05-12 | 北京睿智融科控股股份有限公司 | Configurable unified management platform and method |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1503173A (en) * | 2002-11-26 | 2004-06-09 | 建华商业银行股份有限公司 | Fund system |
| CN101334883A (en) * | 2008-07-22 | 2008-12-31 | 深圳钱袋商务有限公司 | Financial services system, financial services platform and its method |
| WO2012118820A1 (en) * | 2011-02-28 | 2012-09-07 | The Depository Trust and Clearing Corporation | Single-pot margining with differing liquidation periods |
| CN106164969A (en) * | 2013-11-07 | 2016-11-23 | Cfph 有限责任公司 | Transaction based on probability of transaction |
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2016
- 2016-12-15 CN CN201611161034.4A patent/CN108230154B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1503173A (en) * | 2002-11-26 | 2004-06-09 | 建华商业银行股份有限公司 | Fund system |
| CN101334883A (en) * | 2008-07-22 | 2008-12-31 | 深圳钱袋商务有限公司 | Financial services system, financial services platform and its method |
| WO2012118820A1 (en) * | 2011-02-28 | 2012-09-07 | The Depository Trust and Clearing Corporation | Single-pot margining with differing liquidation periods |
| CN106164969A (en) * | 2013-11-07 | 2016-11-23 | Cfph 有限责任公司 | Transaction based on probability of transaction |
Non-Patent Citations (1)
| Title |
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| 一种商业银行开放式基金销售***的设计与实现;舒广;《中国优秀硕士学位论文全文数据库（信息科技辑）》;20110515;第I138-429页 * |
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