CN116541511A

CN116541511A - Associated transaction system

Info

Publication number: CN116541511A
Application number: CN202310415406.5A
Authority: CN
Inventors: 马青浙; 王杰; 黄琦
Original assignee: Zhejiang Unitech Information Technology Co ltd
Current assignee: Zhejiang Unitech Information Technology Co ltd
Priority date: 2023-04-12
Filing date: 2023-04-12
Publication date: 2023-08-04

Abstract

The invention provides a correlation transaction system, which relates to the technical field of communication, and comprises: the system comprises an associated side management module, an associated transaction early warning management module, an associated transaction amount monitoring module, a docking contract management module, an associated transaction disclosure management module and an associated transaction statistics reporting management module. The beneficial effects are that: the invention can realize online management and intelligent control of the associated transaction, ensure the integrity, accuracy, effectiveness, consistency and timeliness of the associated transaction information, and realize robust management, prevention and control risks.

Description

Associated transaction system

Technical Field

The invention relates to the technical field of communication, in particular to a related transaction system.

Background

The association transaction (Connected transaction) is a transaction between corporate associates. An associated transaction is a transaction that occurs frequently in corporate operations and is prone to unfair results. The related transaction is widely existing under the market economic condition, and in terms of advantages, the transaction cost in the aspects of large quantity of business negotiations and the like can be saved due to the existence of the related relationship between the transaction parties, and the priority execution of the business contracts can be ensured by using administrative force, so that the transaction efficiency is improved. In a disadvantageous aspect, the related transaction party can use administrative force to match the transaction, so that the price, the mode and the like of the transaction can be unfair under the non-competitive condition, infringement on equity or part of equity is formed, and the benefit of the creditor is easily damaged.

In order to standardize the associated transaction behaviors, the management risks are effectively prevented, and the supervision department can supervise the major associated transactions of the insurance company. For example, a public place of business, a security congress, a deep-crossing, a silver congress, etc. require a marketing company to report a significant transaction.

As regulations tighten year by year and requirements increase year by year for inspection of associated transaction management, existing associated transaction systems cannot meet business needs of enterprises.

Disclosure of Invention

In order to solve the technical problems, the invention provides a related transaction system.

The technical problems solved by the invention can be realized by adopting the following technical scheme:

an associated transaction system, comprising:

the association party management module is used for acquiring and managing an association party list, identifying the association party list and constructing an association relation between association parties; the association relation is checked through a third-party check platform, and a check result is output;

the related transaction management module is used for acquiring transaction data, judging whether the transaction two parties are related parties or not, and processing according to the corresponding supervision flow when the transaction two parties are related parties according to the importance degree of the transaction service attribute;

the related transaction early warning management module is used for monitoring the transaction data based on preset early warning indexes, and outputting early warning information when the corresponding preset early warning indexes in the transaction data exceed preset early warning values;

the related transaction amount monitoring module is used for monitoring the transaction amount in the transaction data based on the preset related transaction amount corresponding to each related party, and outputting first reminding information when the transaction amount exceeds the preset related transaction amount;

the docking contract management module is used for summarizing the transaction data related to each associated transaction contract and associating the counted transaction data with the corresponding associated transaction contract; outputting second reminding information when the current contract execution amount exceeds the total contract amount;

the related transaction disclosure management module is used for matching the transaction data based on a preset data acquisition template, generating disclosure files when the transaction data reach disclosure standards, and uploading the disclosure files to an upper supervision department;

and the associated transaction statistics report management module is used for generating an associated transaction report and reporting the report to the superior supervision department.

Preferably, the method further comprises:

the flow customization module is used for providing flow customization for execution and pushing to related responsible persons according to the customized flow.

Preferably, the method further comprises:

the rule configuration module is used for providing visual business rule display based on a rule engine; and configuring the business rule to execute corresponding logic actions according to the configured business rule.

Preferably, the method further comprises:

the display module is used for capturing the data of each module of the associated transaction system, summarizing the data, obtaining the associated transaction key information and displaying the information;

the related transaction key information at least comprises any one of traffic statistics and classification, related party data and early warning information.

Preferably, the managing action of the associated party list at least comprises any one of list generation, import, export, inquiry, maintenance and verification.

Preferably, the association party management module checks the association party list and/or the association relation based on a preset breadth-first search algorithm.

Preferably, the association relationship is visualized in the form of a map or a table.

Preferably, the association transaction management module includes:

the first judging unit is used for matching the transaction data with the associated party list library and judging whether the two transaction parties are associated parties or not;

the second judging unit is connected with the first judging unit and is used for judging whether the transaction service attribute is a major association transaction when the two transaction parties are the association parties;

the processing unit is respectively connected with the first judging unit and the second judging unit and is used for calling an approval process to approve when the transaction service attribute is a major association transaction; when the transaction service attribute is not a major correlation transaction, calling a recording flow to record; and continuing the transaction when the transaction parties are not the associated parties.

Preferably, the early warning indexes comprise different levels, and the early warning information reaching the early warning indexes of different levels is displayed in different colors.

Preferably, the method further comprises: the system management module comprises a user management unit, a role management unit, a menu management unit, a department management unit, a post management unit, a dictionary management unit, a parameter setting unit, a notification notice and log management unit;

the user management unit is used for managing users; the role management unit is used for setting the roles of the users and distributing corresponding rights; the menu management unit is used for managing menus; the department management unit is used for managing departments; the post management unit is used for managing posts; the dictionary management unit is used for customizing dictionary contents; the parameter setting unit is used for configuring system parameters; the notice bulletin is used for managing bulletins in the associated transaction system; the log management unit is used for managing logs generated in the associated transaction system.

The technical scheme of the invention has the advantages that:

the invention can realize online management and intelligent control of the associated transaction, ensure the integrity, accuracy, effectiveness, consistency and timeliness of the associated transaction information, and realize robust management, prevention and control risks.

Drawings

FIG. 1 is a block diagram of a related transaction system in accordance with a preferred embodiment of the present invention;

FIG. 2 is a block diagram showing the implementation of the association transaction management module in the preferred embodiment of the present invention;

FIG. 3 is a block diagram illustrating the implementation of the system management module according to the preferred embodiment of the present invention.

Detailed Description

The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

It should be noted that, without conflict, the embodiments of the present invention and features of the embodiments may be combined with each other.

The invention is further described below with reference to the drawings and specific examples, which are not intended to be limiting.

Referring to fig. 1, in a preferred embodiment of the present invention, based on the above-mentioned problems existing in the prior art, there is now provided an association transaction system, which specifically includes:

the association party management module 1 is used for acquiring and managing an association party list, identifying the association party list and constructing association relations among association parties; the association relation is checked through a third-party check platform, and a check result is output;

the related transaction management module 2 is used for acquiring transaction data, judging whether the transaction two parties are related parties, and processing according to the corresponding supervision flow when the transaction two parties are related parties according to the importance degree of the transaction service attribute;

a financial product management module 3 for managing financial product information related to transactions;

the related transaction early-warning management module 4 is used for monitoring transaction data based on preset early-warning indexes, and outputting early-warning information when the corresponding preset early-warning indexes in the transaction data exceed preset early-warning values;

the related transaction amount monitoring module 5 is configured to monitor a transaction amount in the transaction data based on a preset related transaction amount corresponding to each related party, and output first reminding information when the transaction amount exceeds the preset related transaction amount;

the docking contract management module 6 is used for summarizing transaction data related to each associated transaction contract and associating the counted transaction data with the corresponding associated transaction contract; outputting second reminding information when the current contract execution amount exceeds the total contract amount;

the related transaction exposure management module 7 is used for matching transaction data based on a preset data acquisition template, generating an exposure file when the transaction data reach exposure standards, and uploading the exposure file to an upper supervision department;

the associated transaction statistics report management module 8 is used for generating an associated transaction report and reporting the report to the upper supervision department.

Specifically, the system comprises an associated party management module 1, an associated transaction management module 2, a financial product management module 3, an associated transaction early warning management module 4, an associated transaction amount monitoring module 5, a docking contract management module 6, an associated transaction disclosure management module 7 and an associated transaction statistics reporting management module 8;

the association party management module 1 is configured to manage a system association party list and association party information, where the association party list may include natural people, legal people and other organizations. The associated party management module 1 supports the functions of automatic generation, import, export, inquiry, maintenance, verification and the like of an associated party list, supports batch input and batch deletion, and performs single input, modification and deletion, detailed check, data comparison and storage. The verification function needs to be capable of achieving consistency of networking verification of association law people, unified social credit codes, association natural people and identity card numbers. The associated party management module 1 also supports MD5 encryption of the associated party list. After uploading and checking, the system automatically compares with the existing associated party list, keeps consistent, and identifies the expiration date inconsistent. And identifying the effective date and the expiration date of each associated party, and only storing historical information by the failed associated party, so that the historical information is not used as a basis for identifying the associated transaction. Furthermore, the association party quarter report and the month report can be generated according to the association party data.

Furthermore, the association party management module 1 can automatically analyze and identify the associated natural people, legal people and other organizations by using third party data and an algorithm in the system by constructing an association relation based on the information of the association party of the system, and then check and compare the identified natural people, legal people and other organizations with the data in the system database, and push the check result to a user for checking and confirming. And constructing an intuitive association global map through the association between the association parties, and dynamically displaying the global map in a visual map mode, and visually displaying the association between the association parties in a table or other modes. Furthermore, after the association relationship is constructed, the constructed association relationship can be verified, the system background is connected with the business verification platform and an internal system in a butt joint manner, external query is supported, and data radar detection and management are carried out on the change of the primary association party information (including the post information, the near relatives, the investment enterprise information and the like of the primary association party) periodically and automatically or manually.

The association transaction management module 2 is used for managing association transactions, supporting export and import of association transactions, downloading of association transaction import templates, summarizing and displaying association transaction information into a list form, and the association transaction summarizing list can also display basic information, detailed information and approval conditions of each association transaction. Further, the transaction data is automatically acquired each month, the unique identification numbers of clients and transactions are determined, and the associated transaction reports are identified, tidied and generated through fuzzy matching with the associated parties in the system. The obtained transaction data can be transaction data of a human resource system, a credit service system, a contract system, a financial system, an OA system and the like of a system docking party. Further, transaction amounts of the same association party are counted, data acquired from other systems are tidied, and an association transaction quarter report is generated.

Further, the associated transaction flow is as follows: judging whether the transaction parties related to the acquired transaction data are related parties or not, and if the transaction parties are not related parties, directly continuing the transaction; if the transaction parties are the association parties, further judging the service attribute of the transaction parties, and recording when the service attribute is the general association transaction; approval is performed when the business attribute is a major association transaction. By establishing an associated transaction approval and record management mechanism, embedded supervision rule processing logic is used for identifying transaction pre-management nodes, distinguishing general associated transactions and major associated transactions from business attributes of transactions, recording general associated transaction classification, approving the major associated transactions according to a custom approval process, and automatically identifying associated directors and associated stakeholders needing to be avoided in the approval process to realize automatic processing.

The financial product management module 3 is configured to maintain financial product information related to the associated transaction, and generate a financial product information table.

The association transaction early warning management module 4 is used for collecting and managing association transaction data of the whole bank in a centralized manner, and realizing the butt joint with a system of the whole bank involved in the association transaction. By establishing a related transaction monitoring and line early warning mechanism of the whole line, an adjustable early warning index and line of the whole line and the line of the line are built in, service data are summarized in real time, the transaction line is calculated, and real-time/daily classification prompt, early warning and the like are carried out. The module is internally pre-stored with index information of each preset early warning index, wherein the index information comprises, but is not limited to, an index ID, an index name, a calculation formula, early warning start and end dates and early warning prompt; the early warning indexes can be divided into a reminding type, a conditional control type and a forbidden type; and (3) acquiring data and processing the data through a calculation formula of the related index, and outputting an early warning prompt to early warn when the early warning condition is reached. Further, according to the related transaction management requirement, corresponding message reminding is generated for the related party information change, the generated related transaction, the related party/related transaction information needing to be reported and disclosed and other systems. And the system is in butt joint with a related service system to conduct real-time management and control through real-time data accumulation, so that the institution side is helped to complete pre-warning and decision-making layer judgment.

The related transaction amount monitoring module 5 presets related transaction amounts for different related parties and sets early warning/warning percentages by establishing a related transaction amount management mechanism, and when the transaction amount checked by the system reaches the early warning/warning, the corresponding prompt is sent and corresponding processing is carried out. The whole credit can be controlled in the credit management process, and the individual credit of the related party can be controlled, wherein the credit is divided into four items of credit giving, asset transferring, service providing, deposit and other, and the early warning percentage and the warning percentage can be set for each minor item respectively.

The docking contract management module 6 is used for summarizing and counting the transaction related to the contract for each transaction condition of the associated transaction contract, displaying the transaction related to the contract, and sending out a corresponding message reminder when the corresponding early warning index is reached.

The related transaction disclosure management module 7 establishes a disclosure mechanism of related transactions, embeds supervision rule processing logic, automatically prompts a single item to reach a disclosure requirement, respectively and cumulatively calculates the same related person and related transactions of the same type within 12 months continuously according to supervision requirements, and generates disclosure files to automatically prompt when the disclosure requirement is met. Furthermore, the disclosure file material is built in a data acquisition template according to the data format required by supervision and the data requirement required by the inside of the organization and according to different supervision calibers, so as to support the management and maintenance of the data acquisition template, such as adding, modifying or deleting required data items. And when the required disclosure standard is reached, manually downloading a data acquisition template to finish importing and API interfaces, uploading a template file, acquiring corresponding required data according to a system database, and generating a disclosure file. Further, the generated disclosure file is audited, and after the audit is passed, the disclosure file can be passed through a supervision department such as a multi-caliber report silver-colored congress or the information can be disclosed to a official network or other disclosure websites to support the disclosure operation of one-by-one and batch disclosure operation.

The associated transaction statistics and reporting management module 8 is used for carrying out statistics and reporting of associated transactions. The method supports multidimensional and multi-caliber statistics, inquiry and presentation of associated transaction data, supports automatic generation of major associated transaction reports required by the silver-insurance supervision format, reports each major associated transaction, and supports automatic generation of associated transaction quaternary reports and reports meeting the reporting format requirements of associated transaction supervision systems of supervision departments such as silver-insurance supervision bureaus, silver-insurance supervision bureaus and the like. Furthermore, EAST report tasks and G15 report tasks can be selected, the report tasks are displayed, and details are directly checked or report files are generated.

As a preferred embodiment, the method further comprises:

the process customization module 9 is configured to provide process customization for execution and pushing to related responsible persons according to the customized process.

Specifically, in this embodiment, the process customization module 9 draws or uploads the model graphics on line to form a customized process, which is used as an example and not by way of limitation, for example, to customize the associated party auditing process to perform auditing and confirmation on the associated party list; customizing a supplementary record auditing flow to carry out supplementary record on data which is not supported by a system or cannot be automatically acquired by the system; customizing report auditing flow to audit the externally disclosed report; the customized association party quota flow can declare and manage the association party quota in the present year; customizing the product line flow to manage the line of business varieties related to the related party, and the like, and realizing the control of the whole flow by an organization through flow customization.

As a preferred embodiment, the method further comprises:

a rule configuration module 10 for providing a visual business rule presentation based on a rule engine; and configuring the business rule to execute the corresponding logic action according to the configured business rule.

Specifically, considering that the business rules of the market demand change frequently, in this embodiment, the rule engine is used to consider the process management of the relevant rules of the supervision departments such as the silver-back congress, the license congress, the financial department, etc. on the relevant party list maintenance and the relevant party business process management, and the visual rule is applicable to the judgment of the relevant party and the judgment of the management transaction. The rule configuration module 10 provides configurable early warning models, can be adjusted according to different requirements, adopts a checking mode for statistical apertures of different supervision departments, introduces disclosure, reporting, rule configuration, judgment and data capture into a rule engine, realizes visual configuration, does not need secondary development, can realize aperture change without modifying background codes, greatly reduces maintenance cost, can update rapidly and with low cost according to changes of business rules, and improves efficiency.

As a preferred embodiment, the method further comprises:

the display module 11 is used for capturing and summarizing the data of each module of the associated transaction system, obtaining and displaying the associated transaction key information;

Specifically, in this embodiment, the information data of each module of the association transaction system is captured and summarized to obtain the association transaction key information, which is displayed on the home page of the system, and the association transaction key information may include information such as the occurrence amount of association transaction, the data of association party, and the classification and early warning of supervision data, so that real-time supervision of association transaction is facilitated.

In a preferred embodiment, the management action of the associated party list at least includes any one of list generation, import, export, query, maintenance and verification.

As a preferred embodiment, the association party management module 1 checks the association party list and/or the association relation based on a preset breadth-first search algorithm.

Specifically, in this embodiment, a pre-verification mechanism is performed on the related reporting data of the related transaction system by using a breadth-first search algorithm, so that analysis and judgment before and after logout of a related party are realized, which of external branch related parties of a related party are reminded before logout, and after confirmation of the user, the related party and the external branch related party are regularly logged out, thereby ensuring timeliness and accuracy of the data.

Further, the core idea of the breadth-first search algorithm is: storing the search results of each step by using an array, storing the results which need to be secondarily utilized by using a queue, quickly matching information by using a hash table after each layer of search, and performing deduplication by using a set to finally obtain a verification result.

By way of example and not limitation, for a bank insurance agency, the foregoing pre-verification mechanism is made according to the terms of the fifth, sixth, seventh, eighth, and ninth clauses of the "bank insurance agency-associated transaction management method" published by the national banking institute of supervision and administration, line 2022, 1, 10, 1, and line 2022. The searches were divided into 3 levels, 10 searches. The search start point for each 1-layer would require the use of search results to the upper layers. The specific search hierarchy, content of search, type of search results, search terms, regulations, and details of regulations are shown in Table 1 below.

Table 1 breadth first search algorithm

As a preferred embodiment, the association relationship is visualized in the form of a map or a table.

As a preferred embodiment, wherein, as shown in fig. 2, the association transaction management module 2 comprises:

a first judging unit 21, configured to match the transaction data with the associated party list library, and judge whether both parties of the transaction are associated parties;

a second judging unit 22, connected to the first judging unit 21, for judging whether the transaction service attribute is a major association transaction when both transaction parties are association parties;

the processing unit 23 is respectively connected with the first judging unit 21 and the second judging unit 22, and is used for calling an approval process to approve when the transaction service attribute is a major association transaction; calling a recording flow to record when the transaction service attribute is not a major correlation transaction; and continuing the transaction when the transaction parties are not the associated parties.

As a preferred embodiment, the early warning indexes comprise different levels, and the early warning information of the early warning indexes reaching the different levels is displayed by adopting different colors.

As a preferred embodiment, as shown in fig. 3, the method further includes: a system management module 12, the system management module 12 including a user management unit 121, a character management unit 122, a menu management unit 123, a department management unit 124, a post management unit 125, a dictionary management unit 126, a parameter setting unit 127, a notification notice 128, and a log management unit 129;

the user management unit 121 is used for managing users; the role management unit 122 is used for setting the roles of the users and distributing corresponding rights; the menu management unit 123 is used for managing menus; the department management unit 124 is used for managing departments; the post management unit 125 is used for managing posts; the dictionary management unit 126 is used for customizing dictionary contents; the parameter setting unit 127 is used for configuring system parameters; the notification bulletin 128 is used to manage bulletins in the associated transaction system; the log management unit 129 is used to manage logs generated in the associated transaction system.

Specifically, in this embodiment, the user is managed by the user management unit 121, and the management actions of the user at least include deletion, import, export, and the like; the role management unit 122 is used for setting the roles of the users and distributing corresponding rights, so that organization architecture modes and rights division required by institutions are met; the menu is managed by the menu management unit 123; the department management unit 124 is used for managing departments, so that the organization architecture requirements of the institutions are met; the post management unit 125 is used for managing posts; dictionary management unit 126 performs customization of dictionary contents; configuring system parameters by a parameter setting unit 127; the notification in the associated transaction system is managed by the notification announcement 128, by way of example and not limitation, for example, when the pending information is about to expire, the corresponding user is notified in a manner that supports system alerts or sms alerts; the log generated in the related transaction system is managed by the log management unit 129, where the log generated in the related transaction system includes, but is not limited to, a log in log, a system log, a user operation log, a system error log, a task monitoring log, a data processing log, an engine calculation log, and a dispatch batch log, which are used for the user to check all aspects of the system.

The foregoing is merely illustrative of the preferred embodiments of the present invention and is not intended to limit the embodiments and scope of the present invention, and it should be appreciated by those skilled in the art that equivalent substitutions and obvious variations may be made using the description and illustrations herein, which should be included in the scope of the present invention.

Claims

1. An associative transaction system, comprising:

2. The association transaction system of claim 1, further comprising:

3. The association transaction system of claim 1, further comprising:

4. The association transaction system of claim 1, further comprising:

5. The association transaction system of claim 1, wherein the management actions of the association party list include at least any one of list generation, import, export, query, maintenance, and verification.

6. The system of claim 5, wherein the party management module verifies the party list and/or the association relationship based on a pre-set breadth-first search algorithm.

7. The association transaction system according to claim 1, wherein the association relationship is visualized in the form of a map or a table.

8. The association transaction system of claim 1, wherein the association transaction management module comprises:

9. The association transaction system of claim 1, wherein the pre-alarm criteria include different levels, and the pre-alarm information for reaching the pre-alarm criteria at different levels is displayed in different colors.

10. The association transaction system of claim 1, further comprising: the system management module comprises a user management unit, a role management unit, a menu management unit, a department management unit, a post management unit, a dictionary management unit, a parameter setting unit, a notification notice and log management unit;