CN117455592A - Full-automatic processing system of electronic business draft - Google Patents

Abstract

The invention discloses a full-automatic processing system of an electronic commercial draft, which comprises: the bill management module, the bill processing module and the system management module; the bill management module is used for inputting, checking, classifying and giving an expiration warning to the bill; the bill processing module is used for carrying out bill acceptance and bill cash registering on the bill; the system management module is used for setting the back end of the system. The method and the device avoid the defect of recording the notes with problems, check the authenticity of the notes in an information calling mode, and avoid the complete problem of recording the notes. By combining automated inspection with custom inspection, the problem in the prior art that safety and automation cannot be met simultaneously is solved. The method and the system are connected with a national credit investigation platform and a bank credit investigation platform, ensure credit investigation conditions of clients through information calling, ensure economic capacity of the clients through financial analysis, and realize an automatic bill processing mode on the premise of ensuring transaction safety.

Description

Full-automatic processing system of electronic business draft

Technical Field

The invention belongs to the technical field of bill management, and particularly relates to an electronic business draft full-automatic processing system.

Background

With the development of the financial industry, the development of the bill market in China is also more and more vigorous, and the main business forms of the current business draft comprise acceptance, cash register and expiration. In recent years, with the enhancement of enterprise financing demands, bill markets are rapidly developing, the use amount of commercial draft is continuously increasing, and the problems of bill management systems are also increasingly appearing, mainly in the following aspects: the specification has problems, the business bill is not filled out normally, and incomplete bill filling elements often occur; the lack of a unified bill system is easy to cause various problems due to the non-unification of bill management systems in the use process of the e-commerce draft; the degree of automation is not high, the security inspection has problems, and a convenient and low-cost query and verification system is lacked. Based on the foregoing, there is a need in the marketplace for an electronic business draft fully automated processing system.

Disclosure of Invention

In order to solve the above technical problems, the present invention provides an electronic business draft fully automatic processing system to solve the problems of the prior art.

To achieve the above object, the present invention provides an electronic business draft fully automatic processing system, comprising: the bill management module, the bill processing module and the system management module;

the bill management module is used for inputting, checking, classifying and giving out early warning for the bill;

the bill processing module is used for bill acceptance and bill cash registering;

the system management module is used for setting the back end of the system.

Optionally, the bill management module comprises a bill input unit, a bill checking unit, a bill classifying unit and a bill expiration early warning unit;

the bill input unit is used for inputting paper bills and electronic bills;

the bill checking unit is used for checking the newly input bill, checking the bill by verification and weight removal and checking compliance;

the bill classifying unit is used for classifying the checked bills according to enterprise names and storing the checked bills according to the classification;

the bill expiration early warning unit is used for monitoring the time state of the bill in the system and summarizing the bill with the expiration time less than or equal to 7 days into an expiration early warning table.

Optionally, the bill checking unit is connected with the tax information database, and automatically performs true and false checking on the bill based on the information calling mode, and automatically performs duplication removing checking and compliance checking based on the custom bill compliance index.

Optionally, the bill processing module comprises a bill receiving unit and a bill posting unit;

the bill acceptance unit is used for newly creating acceptance agreements, managing acceptance bills, checking credit conditions, carrying out financial analysis, managing trade backgrounds and recording guarantee information;

the bill posting unit is used for newly creating a posting protocol, managing the posting bill, checking the credit conditions, analyzing finance, managing trade background and recording guarantee information.

Optionally, when newly creating the acceptance protocol, information needs to be recorded, and the recorded information includes: business batch number, date of acceptance, ticket issuer name, ticket issuer account number, ticket issuer account name, and commission proportion.

Optionally, after newly creating the acceptance protocol, inquiring acceptance notes meeting the conditions by adding screening conditions, selecting a plurality of notes from the current notes, adding the notes into the acceptance list, and obtaining a final acceptance list after confirming, rejecting or canceling the notes in the acceptance list.

Optionally, the bill acceptance unit obtains the financial analysis result by checking the last year report and the latest financial report information of the bill client in the process of checking the financial analysis and managing the trade background, and establishes the trade background by associating the client with the contract and the bill.

Optionally, in the process of entering the guarantee information, the guarantee mode comprises a guarantee deposit, a mortgage and a credit, wherein the guarantee deposit information comprises a running settlement account, a guarantee deposit account number, a running settlement account balance, a guarantee deposit available balance, a guarantee proportion and the current occupation amount.

Optionally, the bill processing module is connected with a national credit investigation platform and a bank credit investigation platform, and based on information in the platform, client credit investigation is automatically carried out.

Optionally, the system management module comprises a system user adding unit, a system authority setting unit and a shortcut display unit;

the system user newly-added unit is used for creating roles for newly-added system users by an administrator;

the system authority setting unit is used for limiting the authority of the system users by the administrator based on the working contents participated by the different system users;

the shortcut display unit is used for displaying a shortcut office window, and the shortcut office window comprises a task to be handled, a service reminder, a service to be signed, a notice, system information, a common function and an expiration early warning list.

Compared with the prior art, the invention has the following advantages and technical effects:

the application discloses an electronic business draft full-automatic processing system, which obtains bill information and checks whether the bill information is qualified or not through automatic bill information input, checking, classification and expiration pre-warning, and records the qualified bill information into the system, thereby avoiding the defect of recording problematic bills; the method and the device are connected with the tax information database, and verify the authenticity of the bill in an information calling mode, so that the complete problem of bill recording is avoided. By combining automated inspection with custom inspection, the problem in the prior art that safety and automation cannot be met simultaneously is solved.

The bill processing module is used for processing bill acceptance and bill posting operation submitted by a customer, in specific operation, business processing is performed by newly establishing an acceptance/posting protocol, managing the acceptance bill, checking credit conditions, financial analysis, managing trade background and guaranteeing information input.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application, illustrate and explain the application and are not to be construed as limiting the application. In the drawings:

fig. 1 is a schematic diagram of a system structure according to an embodiment of the present invention.

Detailed Description

It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other. The present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.

It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.

Example 1

As shown in fig. 1, in this embodiment, there is provided an electronic commerce draft fully automatic processing system, including:

the bill management module, the bill processing module and the system management module;

the bill management module is used for inputting, checking, classifying and giving out early warning for the bill;

the bill processing module is used for bill acceptance and bill cash registering;

the system management module is used for setting the back end of the system.

The ticket classification may be based on customer name or on ticket type.

The system needs to provide the customer basic information, account information, address telephone and legal representative information of the customer to finish the registration of the customer information; the function of opening the internet banking and signing the ticket is required to be communicated with the client.

Before the system is used, the system should be initialized with parameters.

After an administrator logs in the system, the parameters of the service workflow are initialized, corresponding flow nodes can be added according to the approval requirement of the service, the approval assignment setting newly added items comprise information such as a flow major class, a flow minor class, a node name, a mechanism level, a post and the like, wherein the flow major class can be specifically classified into an 'equally-classified bill', the flow minor class can be specifically classified into an 'electric bill acceptance', the node name can be specifically classified into a 'core accounting', the mechanism level can be specifically classified into a 'second class', the post can be specifically classified into an 'electric bill, a bill exchange manager', the above are all kinds of illustration, and the system can be added according to actual requirements;

similar to the above augmentation example, the initialization setting may be performed for the approval line as well, and the approval line name may be increased.

In the initialization process, maintenance site information can also be newly added, and the information comprises: site number, post, monetary policy, cumulative monetary on day, institutional level, whether to have a pass, and individual monetary.

The initialization also comprises the initialization of accounting, and the function is the basis for generating accounting records during automatic billing, and can be assigned to an operation user for operation or can be operated by an administrator.

In the process of initializing the accounting, a transaction model can be newly added for maintenance, and specific information comprises: transaction labels, transaction models, transaction descriptions, transaction names, transaction model entities, and the like; transaction entry maintenance can be performed, and the information comprises: entry description, whether account rules are enabled, account numbers, subject numbers, amounts, account mode, billing direction, billing agency, account numbers, abstracts, and the like.

In addition to initializing parameters, the system can also perform authority setting: as an implementation manner in this embodiment, the system management module includes a system user adding unit, a system authority setting unit, and a shortcut display unit;

the system user newly-added unit is used for creating roles for newly-added system users by an administrator;

the system authority setting unit is used for limiting the authority of the system users by the administrator based on the working contents participated by the different system users;

the shortcut display unit is used for displaying a shortcut office window, and the shortcut office window comprises a task to be handled, a service reminder, a service to be signed, a notice, system information, a common function and an expiration early warning list.

Specifically, the roles newly added using the newly added unit include: my workstation, physical ticket service, ECDS ticket service, new generation ticket service, ticket pool service, second label service, rights management center, customer management center, risk control center, service parameter center, CPES operation management, operation monitoring center, and inquiry print center. The specific rights are divided into a first level, a second level and a third level.

In addition to the newly added roles, the user information can also be newly added, including operator number, operator name, whether the trader is present, the affiliated institution, the trader ID, and the status of the trader.

As one implementation mode in this embodiment, the bill management module includes a bill input unit, a bill checking unit, a bill classifying unit, and a bill expiration pre-warning unit;

the bill input unit is used for inputting paper bills and electronic bills;

the bill checking unit is used for checking the newly input bill, checking the bill by verification and weight removal and checking compliance;

the bill classifying unit is used for classifying the checked bills according to enterprise names and storing the checked bills according to the classification;

the bill expiration early warning unit is used for monitoring the time state of the bill in the system and summarizing the bill with the expiration time less than or equal to 7 days into an expiration early warning table.

In the bill inputting process, the inputting mode comprises the following steps: photographing, code scanning, file input, weChat, payment treasury, manual input, mailbox input and other third party input modes.

As an implementation manner in this embodiment, the ticket checking unit is connected to the tax information database, and performs automatic true and false checking on the ticket based on the information calling mode, and performs automatic duplicate removal checking and compliance checking based on the custom ticket compliance index; in the checking process, the bill checking unit can automatically remove the weight, automatically calculate tax amount, fully identify the bill information and automatically check the authenticity. The automatic recognition of the information of the whole ticket types and the whole ticket faces is completed through the OCR recognition technology, and the recognition of single tickets, mixed tickets, continuous tickets and the like is completed in one second.

Automatic weight removal inspection and compliance inspection based on custom bill compliance indicators comprises: the method can be used for carrying out filtering verification by self-defining set keywords, setting money amount and signature verification, or carrying out intelligent inspection on the enterprise internal control compliance requirements by self-defining black/white lists, associated electronic invoice control and other modes.

As an implementation manner in this embodiment, the bill processing module includes a bill receiving unit and a bill presenting unit;

the bill acceptance unit is used for newly creating acceptance agreements, managing acceptance bills, checking credit conditions, carrying out financial analysis, managing trade backgrounds and recording guarantee information;

the bill posting unit is used for newly creating a posting protocol, managing the posting bill, checking the credit conditions, analyzing finance, managing trade background and recording guarantee information.

In the bill acceptance process, if a newly built acceptance protocol is needed, acceptance and picking of the bill are carried out, the bill is inquired and selected and stored, the acceptance protocol is automatically formed, and the bill is returned to the business batch.

As an implementation manner in this embodiment, when a new acceptance protocol is created, information needs to be entered, where the entered information includes:

business batch number: the unique number automatically generated by the system according to the rule cannot be manually input;

date of acceptance: the system defaults to business date;

name of ticket issuer: only a client inquiry function can be used for inquiring, selecting and inputting from public clients, and manual input cannot be performed;

ticket issuer account number: the system automatically lists the account number belonging to the selected customer according to the customer, and selects and inputs the account number;

ticket issuing person account opening line number: the system automatically returns to display according to the selected clients;

name of the drawer's bank: the system automatically returns to display according to the selected clients;

the proportion of the commission is as follows: is a manual input.

As one implementation mode in this embodiment, after newly creating a acceptance protocol, a qualified acceptance bill is queried by adding screening conditions, a plurality of bills are selected from the current bill and added into an acceptance list, and after confirming, rejecting or canceling the bills in the acceptance list, a final acceptance list is obtained.

Before determining the final bill for receipt, the bill for receipt needs to be managed and selected, and the bill for receipt can be accessed to the bill list management page, so that the operations of bill picking, commission fee modifying, deletion and the like can be performed. If all the bill to be accepted cannot be selected at one time, the bill can be selected for multiple times, and all the bill to be accepted is known to be added into the current acceptance list. The bill added to the list is locked in state to prevent the bill from being selected again. When the modification operation is performed, the bill is removed from the list, and the removed bill is unlocked and can be selected again.

As one implementation mode in the embodiment, the bill acceptance unit obtains a financial analysis result by checking the last year report and the latest financial report information of the bill client in the process of checking financial analysis and managing trade background, and establishes trade background by associating the client with the contract and the bill.

When checking the credit conditions, the system displays the credit conditions of clients and the acceptance-product limit of my department, and the function also acquires the credit conditions by calling the related platform database.

As an implementation manner in this embodiment, in the process of entering the guarantee information, the guarantee mode includes a guarantee deposit, a mortgage, a credit, a guarantee contract, a bill pool, and the like.

When the guarantee mode is the guarantee, the filling is needed:

a living settlement account: the drop-down box selects an available living settlement account;

the gold account number: the drop-down box selects an available deposit account;

balance of the account for settling accounts in the living period: displaying according to the running account number;

the available balance of the deposit: displaying according to the gold account number;

the guarantee proportion is as follows: and (3) filling, namely manually inputting 0% -100%, inputting 0 if the guarantee mode is not guaranteed, otherwise, checking the system when submitting the flow, and storing after inputting.

The occupied amount of this time is: the amount occupied by the acceptance is greater than or equal to the acceptance amount, the ratio of the deposit is ensured, otherwise, the verification cannot pass.

After the security condition is input, the system also supports the input of risk analysis, and input information comprises:

due redemption funding source: manually inputting;

risk analysis of the pen acceptance: manually inputting;

countermeasures and measures: manually inputting;

storing after the input is finished; the system performs logic check at this time, checks whether the recorded bill is legal, whether the amount of the deposit is sufficient, whether the trade background information is legal, and the like, if the check is not passed, the system gives prompt information to inform the user of which checks are not passed, and the user can submit approval again after making targeted modification. If the examination passes, the acceptance agreement is submitted to the approval process, and the approval state is 'approval in process', and the approval of related personnel is waited.

The bill posting mode and the bill accepting operation mode are the same, after information is input in a plurality of steps, the business is submitted to the approval process, the system can perform validity check such as trade background check, blacklist check, risk bill check and the like at the moment, whether the check is performed depends on parameters, and if the check is passed, the approval process can be submitted successfully. After all the business checks pass, the approval is submitted successfully, and the contract list page is returned, so that the business state of the paste agreement is judged to be in approval, and the approval of subsequent approval personnel is waited. The bill signing and confirming authority user logs in, performs signing and confirming, agrees to approve, checks whether the interest income is consistent, if yes, income interest is obtained, a posting accounting is sent to the core, and the system approval is finished.

As an implementation manner in this embodiment, the ticket processing module is connected to a national credit investigation platform and a bank credit investigation platform, and automatically examines customer credit investigation based on information in the platform.

The foregoing is merely a preferred embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions easily conceivable by those skilled in the art within the technical scope of the present application should be covered in the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims (10)

1. An electronic commerce draft fully automatic processing system comprising: the bill management module, the bill processing module and the system management module;

the bill management module is used for inputting, checking, classifying and giving out early warning for the bill;

the bill processing module is used for bill acceptance and bill cash registering;

the system management module is used for setting the back end of the system.

2. The system of claim 1, wherein the ticket management module comprises a ticket entry unit, a ticket inspection unit, a ticket sorting unit, and a ticket expiration pre-warning unit;

the bill input unit is used for inputting paper bills and electronic bills;

the bill checking unit is used for checking the newly input bill, checking the bill by verification and weight removal and checking compliance;

the bill classifying unit is used for classifying the checked bills according to enterprise names and storing the checked bills according to the classification;

the bill expiration early warning unit is used for monitoring the time state of the bill in the system and summarizing the bill with the expiration time less than or equal to 7 days into an expiration early warning table.

3. The system according to claim 2, wherein the bill checking unit is connected to the tax information database, and automatically performs true and false checking on the bill based on the information calling mode, and performs automatic duplicate removal checking and compliance checking based on the custom bill compliance index.

4. The system of claim 1, wherein the ticket processing module comprises a ticket redemption unit, a ticket impression unit;

the bill acceptance unit is used for newly creating acceptance agreements, managing acceptance bills, checking credit conditions, carrying out financial analysis, managing trade backgrounds and recording guarantee information;

the bill posting unit is used for newly creating a posting protocol, managing the posting bill, checking the credit conditions, analyzing finance, managing trade background and recording guarantee information.

5. The system of claim 4, wherein the information is entered when creating the redemption agreement, the entered information including: business batch number, date of acceptance, ticket issuer name, ticket issuer account number, ticket issuer account name, and commission proportion.

6. The system of claim 4, wherein after newly creating a redemption agreement, the qualified redemption notes are queried by adding screening conditions, a plurality of notes are blended in the current notes and added to the redemption list, and the final redemption list is obtained after the notes in the redemption list are determined, rejected or cancelled.

7. The system according to claim 4, wherein the bill receiving unit obtains a financial analysis result by viewing the last annual report and the latest financial report information of the bill client in the process of viewing the financial analysis and managing trade background, and establishes trade background by associating the client with the contract and the bill.

8. The system of claim 4, wherein the guarantee mode comprises a guarantee, a mortgage and a credit in the process of entering the guarantee information, wherein the guarantee information comprises a running settlement account, a guarantee account number, a running settlement account balance, a guarantee available balance, a guarantee proportion and a current occupation amount.

9. The system of claim 4, wherein the ticket processing module is coupled to a national credit platform, a banking credit platform, and is configured to automatically verify customer credit based on information within the platform.

10. The system according to claim 1, wherein the system management module includes a system user adding unit, a system authority setting unit, and a shortcut display unit;

the system user newly-added unit is used for creating roles for newly-added system users by an administrator;

the system authority setting unit is used for limiting the authority of the system users by the administrator based on the working contents participated by the different system users;

the shortcut display unit is used for displaying a shortcut office window, and the shortcut office window comprises a task to be handled, a service reminder, a service to be signed, a notice, system information, a common function and an expiration early warning list.