Trading System Based On Virtual Accounts And Time Slice Collecting Management Mode

With the banking business continuing to infiltrate the various industries and fields,bank account management and information systems had to face many new challenges,which has been difficult to satisfy the emerging demand for new services.Specific features:First,the previous accounts are accounts that require a real model of management,which the customer identification requirements are too stringent,is not conducive to business development,could easily lead to traffic bottlenecks;Second,multiple terminals credited to individual accounts could easily cause confusion accounts,does not accurately reflect the various terminals accounted for,to the future work of reconciliation cause great trouble;Third,the customer unit for strict management system completely out of the cash requirements for electronic money transactions directly,but many banks can not satisfy this gives the customer the unit operational management creates a barrier.In response to these problems,we explore and develop a kind of research-based virtual account management and sharing imputation banking transaction systems.According to the idea,this paper designed a virtual account which is different from ordinary bank card is very special card,and this card can only be used in specialized company and specialized bank and can not be used in other places,which safeguard the interests of the company and banks.To take a lot of card anchored in a single bank card below,between the special card and bank card by way of virtual money for paying,and real paying between the bank card and trading system,which facilitates that minors holding virtual bank account,is conducive to a one-time quick consumption,and all of debts will are accrued to this bank card which is related.This bank card must pay this debts in exit,and all of money will enter main account.Because there are a lot of such channels,the corresponding account may have only one.If we do not distinguish the transfer funds into the big account,you will bring great difficulties after reconciliation work.According to ways virtual account,to set up a virtual account for each channel,all virtual accounts are a real account of the sub-accounts,transfer funds temporary storage in a virtual account,when the trading system is no longer busy,the sub-period return of funds set to a real account.Benefit sharing is stamped to each transaction by calling the real account trading session to know which virtual accounts have accounted for a great convenience to the reconciliation of work and greatly reduce the difficulty of reconciliation between banks.The system has completed the development of the test.The test results show that the system can satisfy the needs of the customer unit transactions fast,radiation unlimited customer base,effectively circumvent the customer refunds and other issues.