CN109741161B - Business card association supervision method, system, terminal and readable storage medium - Google Patents
Business card association supervision method, system, terminal and readable storage medium Download PDFInfo
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Abstract
The invention discloses a business card association supervision method, a business card association supervision system, a reimbursement terminal and a computer readable storage medium, wherein the business card association supervision method comprises the following steps: if a preset business card expense reimbursement event submitted by the client is detected, acquiring reimbursement expense information in the event and an employee account currently logged in by the client; determining a business card account bound with an employee account from a preset bank, and acquiring bank flow information of the business card account; if the target running water information matched with the reimbursement cost information exists in the bank running water information, outputting prompt information of the passing of the reimbursement audit of the bank; if the merchant invoice image fed back based on the prompt information is detected, extracting merchant invoice information in the image; if the merchant invoice information is completely matched with the reimbursement fee information, confirming that the business reimbursement audit passes, and outputting second prompt information that the business reimbursement audit passes to the client. The invention simplifies the reimbursement flow and improves the approval efficiency.
Description
Technical Field
The present invention relates to the field of business card association monitoring technology, and in particular, to a business card association monitoring method, a business card association monitoring system, a reimbursement terminal, and a computer readable storage medium.
Background
In the current business travel process, enterprises give corresponding public fee budgets to staff, and staff need to pay public fee after making financial expenditure in the business travel process.
However, in real life, false reimbursement situations or irregular reimbursement flows are easy to generate, such as that the authenticity of the personal payment cost is difficult to verify, the staff avoids the card-swiping invoice by using a provider, the third party payment cannot obtain the card-swiping invoice, and the like. The above situation makes the authenticity of the reimbursement bill unable to be checked, thereby unable to monitor financial expenditure and standardize reimbursement flow of staff, causing problems of complicated reimbursement flow, low approval efficiency, etc.
Disclosure of Invention
The invention mainly aims to provide a business card association supervision method, a business card association supervision system, a reimbursement terminal and a computer readable storage medium, which aim to solve the technical problems of complicated and redundant reimbursement flow and low approval efficiency caused by incapacity of monitoring financial expenditure and standardization of employee reimbursement flow.
In order to achieve the above object, an embodiment of the present invention provides a method for supervising association of a commerce card, including:
when detecting a charge reimbursement event based on a preset business card submitted by a client, acquiring reimbursement charge information in the charge reimbursement event and a currently logged-in employee account corresponding to the client;
determining a business card account number of a preset business card bound with the employee account number from a preset bank, and acquiring all bank flow information corresponding to the business card account number;
when detecting that target running water information which is completely matched with the reimbursement expense information exists in all the bank running water information, outputting first prompt information which passes through the reimbursement audit of the bank to the client;
when detecting a merchant invoice image fed back by the client based on the first prompt information, extracting merchant invoice information in the merchant invoice image;
and when the merchant invoice information is detected to be completely matched with the reimbursement expense information, confirming that the business reimbursement audit passes, and outputting second prompt information that the business reimbursement audit passes to the client.
Preferably, when detecting a charge reimbursement issue based on a preset commerce card submitted by a client, the step of acquiring reimbursement charge information in the charge reimbursement issue and a currently logged-in employee account corresponding to the client further includes:
When a card swiping payment request based on the business card account number is detected, acquiring merchant information in the card swiping payment request;
and rejecting the card swiping payment request of the business card account number and sending first alarm information to the client when detecting that the merchant information exists in a preset merchant blacklist.
Preferably, when the card-swiping payment request based on the business card account number is detected, the step of acquiring the merchant information in the card-swiping payment request further comprises:
when the merchant information is detected to be a non-preset merchant, acquiring the consumption amount in the card swiping payment request;
accumulating the consumption amount into the total consumption amount of the business card account based on non-preset merchants;
and rejecting the card swiping payment request of the business card account when the total consumption amount is detected to be larger than a preset budget value.
Preferably, the business card account number is provided with a business level,
and when the total consumption amount is detected to be larger than a preset budget value, the step of rejecting the card swiping payment request of the business card account number further comprises the following steps:
and acquiring a preset budget value which is mutually mapped with the business level of the business card account number from a system database.
Preferably, before the step of obtaining the merchant information in the card swiping payment request, the method further includes:
acquiring the payment amount in the card swiping payment request;
when the payment amount is detected to be larger than a preset warning value, acquiring a transaction position in the payment request;
and rejecting the card swiping payment request of the business card account number and sending second alarm information to the client when the distance between the transaction position and the preset business destination is detected to be larger than a preset threshold value.
Preferably, the step of sending the second alarm information to the client further includes:
and when a locking instruction fed back by the client based on the second alarm information is received, all card swiping payment requests of the business card account are frozen, and third alarm information for reporting loss as soon as possible is sent to the client.
Preferably, the business card association supervision method further comprises the following steps:
when a third party payment request of a third party preset account bound with the employee account is detected, allowing the third party payment request, and sending third prompt information for acquiring a merchant invoice to a current login client corresponding to the employee account;
And acquiring a merchant invoice image fed back by the current login client based on the third prompt information, and sending fourth prompt information for properly keeping the merchant invoice to the current login client so as to cancel manually.
The invention also provides a business card association supervision system, which comprises:
the first acquisition module is used for acquiring reimbursement cost information in a cost reimbursement event and a currently logged-in employee account corresponding to the client when the cost reimbursement event based on the preset business card submitted by the client is detected;
the second acquisition module is used for determining a business card account number of a preset business card bound with the employee account number from a preset bank and acquiring all bank flow information corresponding to the business card account number;
the first output module is used for outputting first prompt information of bank reimbursement verification passing to the client when detecting that target pipeline information which is completely matched with the reimbursement cost information exists in all the bank pipeline information;
the extraction module is used for extracting the merchant invoice information in the merchant invoice image when the merchant invoice image fed back by the client based on the first prompt information is detected;
And the second output module is used for confirming that the business reimbursement audit passes when the merchant invoice information is detected to be completely matched with the reimbursement fee information, and outputting second prompt information that the business reimbursement audit passes to the client.
In addition, to achieve the above object, the present invention also provides a reimbursement terminal including: the system comprises a memory, a processor, a communication bus and a business card association supervisor stored on the memory, wherein the business card association supervisor, when executed by the processor, implements the steps of the business card association supervisor method as described above.
In addition, in order to achieve the above object, the present invention also provides a computer readable storage medium storing a business card association supervisory program, wherein the business card association supervisory program, when executed by a processor, implements the steps of the business card association supervisory method as described above.
When detecting a charge reimbursement issue based on a preset business card submitted by a client, acquiring reimbursement charge information in the charge reimbursement issue and a currently logged-in employee account corresponding to the client; determining a business card account number of a preset business card bound with the employee account number from a preset bank, and acquiring all bank flow information corresponding to the business card account number; when detecting that target running water information which is completely matched with the reimbursement expense information exists in all the bank running water information, outputting first prompt information which passes through the reimbursement audit of the bank to the client; when detecting a merchant invoice image fed back by the client based on the first prompt information, extracting merchant invoice information in the merchant invoice image; and when the merchant invoice information is detected to be completely matched with the reimbursement expense information, confirming that the business reimbursement audit passes, and outputting second prompt information that the business reimbursement audit passes to the client. According to the invention, the consumption behavior of the staff is recorded in the bank flow in the form of card swiping consumption of the account numbers of the business cards, so that each public expense of the staff is based, the technical problems of complicated and redundant reimbursement flow and low approval efficiency caused by incapability of monitoring financial expense and standardization of staff reimbursement flow are solved, the financial supervision of the business cards is enhanced, the staff reimbursement flow is standardized, the reimbursement flow is simplified, and the approval efficiency is improved.
Drawings
FIG. 1 is a flowchart of a business card association supervision method according to a first embodiment of the present invention;
FIG. 2 is a flowchart of a business card association supervision method according to a second embodiment of the present invention;
FIG. 3 is a schematic diagram of functional modules of the business card association monitoring system of the present invention;
fig. 4 is a schematic device structure diagram of a hardware running environment related to a method in an embodiment of the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
The invention provides a business card association supervision method, in a first embodiment of the business card association supervision method, referring to fig. 1, the business card association supervision method comprises the following steps:
step S10, when detecting a charge reimbursement issue based on a preset business card submitted by a client, acquiring reimbursement charge information in the charge reimbursement issue and a currently logged-in employee account corresponding to the client;
in this embodiment, the man-hour of the outside-enterprise dispatching staff can dispatch a preset business card as the consumption certificate of the staff in the business trip. Staff makes various travel consumers such as hotel reservations, airline reservations, restaurant reservations, and the like through preset business cards. Staff needs to use business cards specified by enterprise commission units to make public fee spending, such as enterprise office supplies purchasing, partner hospitality, etc. After the public expense is completed, the staff can acquire the invoice provided by the merchant and check out reimbursement categories and related reimbursement information in a client provided by the enterprise commission unit, wherein the client logs in the staff account. The consumption record based on the preset business card will be recorded by the banking institution associated with the preset business card. After the consumption of the preset business card is completed, staff can submit all expense reimbursement matters in the current consumption process on the preset client. The expense reimbursement matters comprise reimbursement expense information and employee account information logged in by the current client. The staff can report the reimbursement cost information such as reimbursement category, reimbursement amount, consumption time, consumption place and the like, and the client combines the reimbursement cost information and staff account information to generate a cost reimbursement matter and submits the cost reimbursement matter to the system.
When the system detects the expense reimbursement matters submitted by the client in real time, reimbursement expense information and employee accounts of the client are acquired from the expense reimbursement matters. The employee account is authentication information that distinguishes employee identity and verifies the consumption record.
Step S20, determining a business card account number of a preset business card bound with the employee account number from a preset bank, and acquiring all bank flow information corresponding to the business card account number;
the system is directly connected with a preset bank by a bank enterprise, so that the business card account number of the preset business card bound with the employee account number can be obtained from the preset bank. The preset business card is a physical card, and a virtual card of the preset business card is stored in a bank and exists in the form of a business card account number. The business card account number is taken by the business card, the business card account number and the employee account number are mutually bound by the business, and therefore, when business staff use the preset business card to consume, the generated consumption record is bound to the business card account number.
After the system acquires the employee account, the business card account bound with the employee account can be determined from a preset bank according to the employee account. For example, employee account number 001, and the business card account number bound to 001 in the bank is preset to be number 001. At this time, the system will acquire all bank flow information bound with the business card account number from the preset bank. The bank flow information refers to deduction records left in a preset bank when staff consume the preset business card, and the deduction records comprise deduction time, deduction amount, deduction places, deduction categories and the like.
Step S30, when the fact that target running water information which is completely matched with the reimbursement expense information exists in all the bank running water information is detected, outputting first prompt information which passes the bank reimbursement audit to the client;
the system compares and matches the bank flow information and the reimbursement fee information. The system will find out the target pipeline information that matches exactly with the reimbursement fee information from all the bank pipeline information. The target flow information and the reimbursement cost information are matched with each other.
Specifically, the system will compare the categories in the bank's running information and the reimbursement fee information. For example, the deduction time in the bank flow information is compared with the consumption time in the reimbursement fee information, and if the deduction time and the consumption time are in the same time stage, the matching of the deduction time and the consumption time is successful. In this embodiment, all of the various information categories in the bank flow information and the reimbursement fee information need to be successfully matched.
Only if all the information can be successfully matched, the information record of the transaction can be finished to be considered. If the system can find the target flow information, the staff can correspondingly report the expense record and reimbursement information based on the business card account number, and the expense reimbursement is reasonable. At this time, the system outputs a first prompt message to the client for the bank reimbursement and verification to pass. The bank reimbursement verification refers to a verification process that an enterprise judges whether the cost reimbursement matters of the staff are reasonable or not through a preset bank, and the first prompt information indicates that verification is successful.
Specifically, the system extracts invoice key fields in the reimbursement cost information, and extracts consumption key fields of the bank flow information. And associating the invoice key field with the consumption key field through a preset field mapping table, and comparing the invoice key value with the corresponding consumption key value. Only when detecting that all invoice key values of one target pipeline information in the bank pipeline information are consistent with consumption key values in the reimbursement cost information, the method proves that the consumption record in the current bank can be completely matched with reimbursement data. That is, the expense record of the bank reimbursement audit is obtained from reimbursement information submitted by the staff, so that the reimbursement information submitted by the staff can be proved to belong to real expense. At this time, the system outputs first prompt information which passes the bank reimbursement audit to the client side of the staff account.
Step S40, when detecting the merchant invoice image fed back by the client based on the first prompt information, extracting merchant invoice information in the merchant invoice image;
when the client of the staff receives the first prompt information, the first prompt information can be confirmed, and the merchant invoice image is submitted to the system. When the system acquires the business invoice image, the business invoice information is extracted from the business invoice image, for example, when the system monitors the business invoice image, OCR image recognition is carried out on the business invoice image, and the business invoice information such as the customer name, the invoice amount, the bank account opening number, the commodity name and the like in the business invoice image is recognized and extracted.
And S50, when the fact that the merchant invoice information is completely matched with the reimbursement expense information is detected, confirming that the business reimbursement audit passes, and outputting second prompt information that the business reimbursement audit passes to the client.
At this time, the system will compare and match the invoice information of the merchant with the reimbursement cost information, wherein the invoice information of the merchant also comprises the information of the business name, reimbursement amount, reimbursement commodity, etc. the invoice information of the merchant comprises the information of the customer name, invoice amount, bank account opening account number, commodity name, etc. The system will compare the two one to one. When the data contents of the two are detected to be completely matched, the current merchant invoice information and the reimbursement fee information submitted by the staff are proved to correspond to each other. At this time, the system determines that the present business card reimbursement is a normal business expenditure, that is, the present business card reimbursement verification passes. The system outputs second prompt information which is passed by the business reimbursement verification to the client so as to inform the staff of the verification result of the business reimbursement flow.
When detecting a charge reimbursement issue based on a preset business card submitted by a client, acquiring reimbursement charge information in the charge reimbursement issue and a currently logged-in employee account corresponding to the client; determining a business card account number of a preset business card bound with the employee account number from a preset bank, and acquiring all bank flow information corresponding to the business card account number; when detecting that target running water information which is completely matched with the reimbursement expense information exists in all the bank running water information, outputting first prompt information which passes through the reimbursement audit of the bank to the client; when detecting a merchant invoice image fed back by the client based on the first prompt information, extracting merchant invoice information in the merchant invoice image; and when the merchant invoice information is detected to be completely matched with the reimbursement expense information, confirming that the business reimbursement audit passes, and outputting second prompt information that the business reimbursement audit passes to the client. According to the invention, the consumption behavior of the staff is recorded in the bank flow in the form of card swiping consumption of the account numbers of the business cards, so that each public expense of the staff is based, the technical problems of complicated and redundant reimbursement flow and low approval efficiency caused by incapability of monitoring financial expense and standardization of staff reimbursement flow are solved, the financial supervision of the business cards is enhanced, the staff reimbursement flow is standardized, the reimbursement flow is simplified, and the approval efficiency is improved.
Further, on the basis of the first embodiment of the business card association monitoring method of the present invention, a second embodiment of the business card association monitoring method of the present invention is proposed, referring to fig. 2, which is different from the foregoing embodiment in that,
when detecting the expense reimbursement matters based on the preset business card submitted by the client, the step of acquiring reimbursement expense information in the expense reimbursement matters and the employee account number which is currently logged in and corresponds to the client further comprises the following steps:
step S60, when a card swiping payment request based on the business card account number is detected, acquiring merchant information in the card swiping payment request;
the preset business card has a credit card swiping payment function, and staff needs to pay through the preset business card. Because staff is reimbursement of public fees, in order to avoid abuse of staff to preset business cards, the system sets a merchant blacklist in advance, so that the preset business cards do not support the fee payment of part of merchants. When staff uses a preset business card to pay by swiping a card, the system can detect a card swiping payment request of a business card account number and acquire merchant information in the card swiping payment request.
And step S70, rejecting the card swiping payment request of the business card account number and sending first alarm information to the client when detecting that the merchant information exists in a preset merchant blacklist.
The system sets some preset merchant blacklists for rejecting the card swiping payment process of some merchants. For example, the system uses "five-star and above-five-star hotels" as a merchant blacklist to limit staff from staying outside or receiving too luxurious from customers outside. When the staff performs card swiping and consumption in the five-star hotel, the system detects a card swiping and payment request and obtains merchant information in the card swiping and payment request, and when the system receives the merchant information, if the system detects that the merchant blacklist comprises the merchant information of the five-star hotel, the current card swiping and consumption behavior is confirmed as an illegal consumption behavior. The system refuses the card swiping payment request and sends out first alarm information to the client bound with the business card account. The method comprises the step of monitoring the consumption behavior of the business card account number so as to exclude non-compliant merchants according to a preset merchant blacklist.
Further, on the basis of the second embodiment of the commerce card association monitoring method, a third embodiment of the commerce card association monitoring method is provided, which is different from the foregoing embodiment in that, when a card swiping payment request based on the commerce card account is detected, the step of acquiring merchant information in the card swiping payment request further includes:
Step S80, when the merchant information is detected to be a non-preset merchant, acquiring the consumption amount in the card swiping payment request;
the system sets a preset merchant blacklist, and the real scene may have some merchants which are not in the merchant blacklist and are not in the merchant whitelist, wherein the merchants are non-preset merchants. The system does not reject nor allow the swipe transaction, but in some emergency situations, the employee needs to consume at these merchants. To address this problem, the present embodiment addresses this by way of an extra budget. The non-preset merchant is an unscheduled merchant, and the system acquires the consumption amount in the card swiping payment request when detecting that the merchant information is the non-preset merchant.
Step S90, accumulating the consumption amount into the total consumption amount of the business card account based on non-preset merchants;
a counter is stored in the business card account number for accumulating the total amount of consumption of the business card account number based on non-preset merchants, and the system accumulates the amount of consumption to the total amount of consumption. For example, the current total consumption amount of the business card account is 900 yuan, the consumption amount of the current employee for card swiping and consumption in the merchant A (non-preset merchant) is 100 yuan, and then the consumption amount is accumulated to the total consumption amount to be 1000 yuan.
And step S100, rejecting the card swiping payment request of the business card account number when the total consumption amount is detected to be larger than a preset budget value.
In this embodiment, the system sets a preset budget value. The preset budget value is a threshold reference value of the total consumption amount. That is, the system sets a consumption threshold of a non-preset merchant for the business card account through the preset budget value. The staff can swipe the card for consumption in any non-preset merchant, and the total consumption amount is increased. And the preset budget value is fixed, and if the total consumption amount is larger than the preset budget value, the current consumption behavior is indicated to exceed the limit of the business card account number. At this point, the system will reject the swipe payment request of the commerce card account.
The method comprises the step of comparing the accumulated total consumption amount with a preset budget value to limit the card swiping payment amount of the business card account number, so as to limit the card swiping consumption behavior of the business card account number at non-preset merchants.
Further, on the basis of the third embodiment of the business card association monitoring method of the present invention, a fourth embodiment of the business card association monitoring method of the present invention is proposed, which is different from the foregoing embodiments in that the business card account number is provided with a business level,
And when the total consumption amount is detected to be larger than a preset budget value, the step of rejecting the card swiping payment request of the business card account number further comprises the following steps:
and acquiring a preset budget value which is mutually mapped with the business level of the business card account number from a system database.
In this embodiment, the commerce card account numbers set different commerce levels according to the different professional levels of the card-holding staff. And the business level of the business card account number corresponds to the consumption degree that the card holder can enjoy when consuming. Suppose that the business level is sorted from high to low into a first, second and third order. Then the card holding staff corresponding to the primary business card account number may be the master, the card holding staff corresponding to the secondary business card account number is the master, and the card holding staff corresponding to the tertiary business card account number is the salesman. It is obvious that different business levels correspond to staff of different positions, and the public consumption needs corresponding to staff of different positions show certain convenience. The higher the business level, the higher the preset budget value mapped to it. For example, the hotel in which the headquarters resides may be a three star hotel, while the hotel in which the salesman resides is a quick hotel.
Therefore, the system database stores the preset budget value which is mutually mapped with the business level, and when the business level of the business card account is obtained, the system obtains the preset budget value which is mutually corresponding to the business level from the database for the subsequent flow steps to call.
Further, on the basis of the fourth embodiment of the commerce card association monitoring method of the present invention, a fifth embodiment of the commerce card association monitoring method of the present invention is different from the foregoing embodiment in that the step of obtaining merchant information in the swipe payment request further includes:
step S110, obtaining the payment amount in the card swiping payment request;
in this embodiment, the employee may lose the preset business card carelessly, and if the preset business card is lost, the preset business card is easily stolen by others. Thus, when a swipe payment request based on the business card account number is detected, the system will obtain the payment amount in the swipe payment request.
Step S120, when the payment amount is detected to be larger than a preset warning value, acquiring a transaction position in the payment request;
in this embodiment, a preset alert value is set, and the preset alert value is used as a reference threshold value of the payment amount. When the payment amount is larger than a preset warning value, the consumption behavior of the current business card account number is indicated to exceed the set warning line, and the behavior of excessive card swiping exists. For example, the payment amount is 3000, and the preset alert value is 2000, the system ranks the current consumption card swiping action as a theft swiping suspicion. To further determine whether the commerce card account number was swiped, the system references the transaction location of the current swipe payment request.
Step S130, refusing the card swiping payment request of the business card account number and sending a second alarm message to the client when the distance between the transaction position and the preset business destination is detected to be larger than a preset threshold value.
The system is provided with a preset business destination, and card swiping consumption by staff is usually carried out at certain business sites set by enterprises. Such as in a customer business building or other preset meeting location. If the distance between the transaction location of the card-swiping request and the preset business destination is detected to be greater than the preset threshold, for example, the transaction location is the shopping mall B, the preset business destination is the building C, the distance between the building C and the shopping mall B reaches 2 km, and the preset threshold is 500 m, the system determines that the current card-swiping payment request is a stolen swiping, so that the payment request is refused, and sends a second alarm message to the client to prompt staff.
Further, on the basis of the fifth embodiment of the business card association monitoring method of the present invention, a sixth embodiment of the business card association monitoring method of the present invention is different from the foregoing embodiment in that the step of sending the second alert information to the client further includes:
And step S140, when a locking instruction fed back by the client based on the second alarm information is received, all card swiping payment requests of the business card account are frozen, and third alarm information for reporting loss report as soon as possible is sent to the client.
If the employee determines that the business card account is stolen, the business card can be locked on the client based on the second alarm information. At this time, the system will freeze the business card account directly, and any payment request by swiping the card through the business card account will be refused, so as to avoid further swiping the business card account. At this time, the business card account is not at the staff, but the client can still be at the staff, and the system will send a third alarm message to the client to prompt the staff.
Further, on the basis of the sixth embodiment of the business card association monitoring method of the present invention, a seventh embodiment of the business card association monitoring method of the present invention is provided, which is different from the foregoing embodiment in that the business card association monitoring method further includes:
step a, when a third party payment request of a third party preset account bound with the employee account is detected, allowing the third party payment request, and sending third prompt information for acquiring a merchant invoice to a current login client corresponding to the employee account;
If the preset business card is lost or damaged, the staff cannot consume and pay based on the account number of the business card. The embodiment provides a third party payment mode, and the identification is realized by binding the employee account of the personnel through the preset account number of the third party. For example, the third party preset account a is bound with the employee account, and when the employee consumes the expenditure through the third party preset account a, a third party payment request generated by the third party preset account based on the consumption expenditure can be sent to the system. When the system detects the third party payment request, the third party payment request is allowed to be confirmed, and first prompt information for storing and acquiring merchant invoices is sent to the client side of the employee account number so as to confirm the rationality of the third party payment request.
And b, acquiring a merchant invoice image fed back by the current login client based on the third prompt information, and sending fourth prompt information for properly keeping the merchant invoice to the current login client so as to cancel manually.
Personnel pay the expense personal pay through the third party, but still need to upload the business invoice image for the system to backup, after obtaining the business invoice image, the system will prompt the user to keep the second prompt message of business invoice properly, the second prompt message can let personnel pay attention to save the invoice, in order to reimburse the expense to the financial department by means of the real invoice, thus standardizing the business reimbursement approval process, improving the approval efficiency, and accelerating the reimbursement process.
Referring to fig. 3, the present invention provides a business card association monitoring system, which includes:
the first obtaining module 10 is configured to obtain reimbursement fee information in a fee reimbursement event and a currently logged-in employee account corresponding to a client when the fee reimbursement event based on a preset commerce card submitted by the client is detected;
the second obtaining module 20 is configured to determine a commerce card account number of a preset commerce card bound to the employee account number from a preset bank, and obtain all bank flow information corresponding to the commerce card account number;
the first output module 30 is configured to output, to the client, first prompt information that the bank reimbursement audit passes when it is detected that the target running information that is completely matched with the reimbursement fee information exists in all the bank running information;
an extracting module 40, configured to extract merchant invoice information in a merchant invoice image when detecting a merchant invoice image fed back by the client based on the first prompt information;
and the second output module 50 is configured to confirm that the business card reimbursement audit passes when detecting that the merchant invoice information and the reimbursement fee information are completely matched, and output second prompt information that the business reimbursement audit passes to the client.
Referring to fig. 4, fig. 4 is a schematic device structure of a hardware running environment related to a method according to an embodiment of the present invention.
The terminal of the embodiment of the invention can be a PC, or can be terminal equipment such as a smart phone, a tablet personal computer, an electronic book reader, an MP3 (Moving Picture Experts Group Audio Layer III, dynamic image expert compression standard audio layer 3) player, an MP4 (Moving Picture Experts Group Audio Layer IV, dynamic image expert compression standard audio layer 4) player, a portable computer and the like.
As shown in fig. 4, the reimbursement terminal may include: a processor 1001, such as a CPU, memory 1005, and a communication bus 1002. Wherein a communication bus 1002 is used to enable connected communication between the processor 1001 and a memory 1005. The memory 1005 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
Optionally, the reimbursement terminal may also include a user interface 1003, a network interface 1004, a camera, RF (Radio Frequency) circuitry, sensors, audio circuitry, wiFi modules, and the like. The user interface may comprise a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface may further comprise a standard wired interface, a wireless interface. The network interface may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface).
Those skilled in the art will appreciate that the reimbursement terminal structure shown in fig. 4 is not limiting and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.
As shown in fig. 4, an operating system, a network communication module, and a business card association supervisor may be included in a memory 1005, which is a type of computer storage medium. The operating system is a program that manages and controls the reimbursement of terminal hardware and software resources, supporting the execution of business card association supervisory programs and other software and/or programs. The network communication module is used to enable communication between components within the memory 1005 and with other hardware and software in the reimbursement terminal.
In the reimbursement terminal shown in fig. 4, the processor 1001 is configured to execute a business card association supervisor stored in the memory 1005, and implement the following steps:
when detecting a charge reimbursement event based on a preset business card submitted by a client, acquiring reimbursement charge information in the charge reimbursement event and a currently logged-in employee account corresponding to the client;
determining a business card account number of a preset business card bound with the employee account number from a preset bank, and acquiring all bank flow information corresponding to the business card account number;
When detecting that target running water information which is completely matched with the reimbursement expense information exists in all the bank running water information, outputting first prompt information which passes through the reimbursement audit of the bank to the client;
when detecting a merchant invoice image fed back by the client based on the first prompt information, extracting merchant invoice information in the merchant invoice image;
and when the merchant invoice information is detected to be completely matched with the reimbursement expense information, confirming that the business reimbursement audit passes, and outputting second prompt information that the business reimbursement audit passes to the client.
Further, when detecting a charge reimbursement issue based on a preset business card submitted by a client, the step of acquiring reimbursement charge information in the charge reimbursement issue and a currently logged-in employee account corresponding to the client further includes:
when a card swiping payment request based on the business card account number is detected, acquiring merchant information in the card swiping payment request;
and rejecting the card swiping payment request of the business card account number and sending first alarm information to the client when detecting that the merchant information exists in a preset merchant blacklist.
Further, when the card swiping payment request based on the business card account number is detected, the step of acquiring the merchant information in the card swiping payment request further comprises the following steps:
when the merchant information is detected to be a non-preset merchant, acquiring the consumption amount in the card swiping payment request;
accumulating the consumption amount into the total consumption amount of the business card account based on non-preset merchants;
and rejecting the card swiping payment request of the business card account when the total consumption amount is detected to be larger than a preset budget value.
Further, the business card account number is provided with a business grade,
and when the total consumption amount is detected to be larger than a preset budget value, the step of rejecting the card swiping payment request of the business card account number further comprises the following steps:
and acquiring a preset budget value which is mutually mapped with the business level of the business card account number from a system database.
Further, before the step of obtaining the merchant information in the card swiping payment request, the method further includes:
acquiring the payment amount in the card swiping payment request;
when the payment amount is detected to be larger than a preset warning value, acquiring a transaction position in the payment request;
And rejecting the card swiping payment request of the business card account number and sending second alarm information to the client when the distance between the transaction position and the preset business destination is detected to be larger than a preset threshold value.
Further, the step of sending the second alarm information to the client further includes:
and when a locking instruction fed back by the client based on the second alarm information is received, all card swiping payment requests of the business card account are frozen, and third alarm information for reporting loss as soon as possible is sent to the client.
Further, the business card association supervision method further comprises the following steps:
when a third party payment request of a third party preset account bound with the employee account is detected, allowing the third party payment request, and sending third prompt information for acquiring a merchant invoice to a current login client corresponding to the employee account;
and acquiring a merchant invoice image fed back by the current login client based on the third prompt information, and sending fourth prompt information for properly keeping the merchant invoice to the current login client so as to cancel manually.
The specific implementation manner of the reimbursement terminal of the present invention is basically the same as the above embodiments of the business card association supervision method, and will not be described herein.
The present invention also provides a computer-readable storage medium storing one or more programs, the one or more programs further executable by one or more processors for:
when detecting a charge reimbursement event based on a preset business card submitted by a client, acquiring reimbursement charge information in the charge reimbursement event and a currently logged-in employee account corresponding to the client;
determining a business card account number of a preset business card bound with the employee account number from a preset bank, and acquiring all bank flow information corresponding to the business card account number;
when detecting that target running water information which is completely matched with the reimbursement expense information exists in all the bank running water information, outputting first prompt information which passes through the reimbursement audit of the bank to the client;
when detecting a merchant invoice image fed back by the client based on the first prompt information, extracting merchant invoice information in the merchant invoice image;
and when the merchant invoice information is detected to be completely matched with the reimbursement expense information, confirming that the business reimbursement audit passes, and outputting second prompt information that the business reimbursement audit passes to the client.
The specific implementation manner of the computer readable storage medium of the present invention is basically the same as the above embodiments of the business card association monitoring method, and will not be described herein.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (10)
1. A business card association supervision method, characterized in that the business card association supervision method comprises:
when detecting a charge reimbursement event based on a preset business card submitted by a client, acquiring reimbursement charge information in the charge reimbursement event and a currently logged-in employee account corresponding to the client;
determining a business card account number of a preset business card bound with the employee account number from a preset bank, and acquiring all bank flow information corresponding to the business card account number;
when detecting that target running water information which is completely matched with the reimbursement expense information exists in all the bank running water information, outputting first prompt information which passes through the reimbursement audit of the bank to the client;
when detecting a merchant invoice image fed back by the client based on the first prompt information, extracting merchant invoice information in the merchant invoice image;
When the merchant invoice information is detected to be completely matched with the reimbursement fee information, confirming that the business reimbursement audit passes, and outputting second prompt information that the business reimbursement audit passes to a client;
when detecting that the target running water information which is completely matched with the reimbursement expense information exists in all the bank running water information, outputting first prompt information which passes through the reimbursement audit of the bank to the client, wherein the method comprises the steps of:
when target running information which is successfully matched with various information categories of the reimbursement expense information exists in all the bank running information is detected, outputting first prompt information which passes the bank reimbursement audit to the client;
or extracting invoice key fields of the reimbursement cost information and extracting consumption key fields of all bank flow information; the invoice key field is associated with the consumption key field through a preset field mapping table, and the invoice key value is compared with the corresponding consumption key value; when the target running information that all invoice key values are consistent with consumption key values in reimbursement cost information exists in all the bank running information is detected, outputting first prompt information that the bank reimbursement audit passes to the client.
2. The business card association monitoring method of claim 1, wherein,
when detecting the expense reimbursement matters based on the preset business card submitted by the client, the step of acquiring reimbursement expense information in the expense reimbursement matters and the employee account number which is currently logged in and corresponds to the client further comprises the following steps:
when a card swiping payment request based on the business card account number is detected, acquiring merchant information in the card swiping payment request;
and rejecting the card swiping payment request of the business card account number and sending first alarm information to the client when detecting that the merchant information exists in a preset merchant blacklist.
3. The business card association monitoring method of claim 2, wherein when a card swiping payment request based on the business card account number is detected, the step of acquiring merchant information in the card swiping payment request further comprises:
when the merchant information is detected to be a non-preset merchant, acquiring the consumption amount in the card swiping payment request;
accumulating the consumption amount into the total consumption amount of the business card account based on non-preset merchants;
and rejecting the card swiping payment request of the business card account when the total consumption amount is detected to be larger than a preset budget value.
4. The business card association monitoring method of claim 3, wherein the business card account number is provided with a business level,
and when the total consumption amount is detected to be larger than a preset budget value, the step of rejecting the card swiping payment request of the business card account number further comprises the following steps:
and acquiring a preset budget value which is mutually mapped with the business level of the business card account number from a system database.
5. The business card association monitoring method of claim 2, wherein the step of obtaining merchant information in the swipe payment request is preceded by the step of:
acquiring the payment amount in the card swiping payment request;
when the payment amount is detected to be larger than a preset warning value, acquiring a transaction position in the payment request;
and rejecting the card swiping payment request of the business card account number and sending second alarm information to the client when the distance between the transaction position and the preset business destination is detected to be larger than a preset threshold value.
6. The business card association monitoring method of claim 5, wherein the step of sending the second alert message to the client further comprises:
and when a locking instruction fed back by the client based on the second alarm information is received, all card swiping payment requests of the business card account are frozen, and third alarm information for reporting loss as soon as possible is sent to the client.
7. The business card association monitoring method according to any one of claims 1 to 6, further comprising:
when a third party payment request of a third party preset account bound with the employee account is detected, allowing the third party payment request, and sending third prompt information for acquiring a merchant invoice to a current login client corresponding to the employee account;
and acquiring a merchant invoice image fed back by the current login client based on the third prompt information, and sending fourth prompt information for properly keeping the merchant invoice to the current login client so as to cancel manually.
8. A commerce card association monitoring system, the commerce card association monitoring system comprising:
the first acquisition module is used for acquiring reimbursement cost information in a cost reimbursement event and a currently logged-in employee account corresponding to the client when the cost reimbursement event based on the preset business card submitted by the client is detected;
the second acquisition module is used for determining a business card account number of a preset business card bound with the employee account number from a preset bank and acquiring all bank flow information corresponding to the business card account number;
The first output module is used for outputting first prompt information of bank reimbursement verification passing to the client when detecting that target pipeline information which is completely matched with the reimbursement cost information exists in all the bank pipeline information;
the extraction module is used for extracting the merchant invoice information in the merchant invoice image when the merchant invoice image fed back by the client based on the first prompt information is detected;
the second output module is used for confirming that the business reimbursement audit passes when the merchant invoice information is detected to be completely matched with the reimbursement fee information, and outputting second prompt information that the business reimbursement audit passes to the client;
the first output module is further configured to output first prompt information for checking and passing a bank reimbursement to the client when it is detected that target running water information successfully matches with various information categories of the reimbursement fee information exists in all the bank running water information;
the first output module is further used for extracting invoice key fields of the reimbursement cost information and extracting consumption key fields of all bank flow information; the invoice key field is associated with the consumption key field through a preset field mapping table, and the invoice key value is compared with the corresponding consumption key value; when the target running information that all invoice key values are consistent with consumption key values in reimbursement cost information exists in all the bank running information is detected, outputting first prompt information that the bank reimbursement audit passes to the client.
9. A reimbursement terminal, said reimbursement terminal comprising: a memory, a processor, a communication bus, and a business card association supervisor stored on the memory, the processor for executing the business card association supervisor to implement the steps of the business card association supervisor method as claimed in any of claims 1-7.
10. A computer readable storage medium, wherein a business card association supervisor is stored on the computer readable storage medium, which when executed by a processor, implements the steps of the business card association supervisor method of any of claims 1-7.
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| CN201810722599.8A CN109741161B (en) | 2018-07-03 | 2018-07-03 | Business card association supervision method, system, terminal and readable storage medium |
| PCT/CN2018/102056 WO2020006837A1 (en) | 2018-07-03 | 2018-08-24 | Business card associated supervision method and system, and terminal and readable storage medium |
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| CN201810722599.8A CN109741161B (en) | 2018-07-03 | 2018-07-03 | Business card association supervision method, system, terminal and readable storage medium |
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| CN108846714A (en) * | 2018-06-14 | 2018-11-20 | 西安艾润物联网技术服务有限责任公司 | Electronic invoice management method, mobile terminal, management platform and storage medium |
| CN110428320A (en) * | 2019-08-06 | 2019-11-08 | 中国工商银行股份有限公司 | Data processing method and system and electronic equipment and computer-readable medium |
| CN110555740A (en) * | 2019-08-29 | 2019-12-10 | 国网浙江省电力有限公司宁波供电公司 | Data processing method and system for ETC toll |
| CN111753149B (en) * | 2020-06-28 | 2024-05-31 | 深圳前海微众银行股份有限公司 | Sensitive information detection method, device, equipment and storage medium |
| CN112001516B (en) * | 2020-09-21 | 2024-05-03 | 北京嘀嘀无限科技发展有限公司 | Information processing method, device, electronic equipment and storage medium |
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