CN109978684A - A kind of bank acceptance checking method, system and relevant device - Google Patents

A kind of bank acceptance checking method, system and relevant device Download PDF

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Publication number
CN109978684A
CN109978684A CN201910289510.8A CN201910289510A CN109978684A CN 109978684 A CN109978684 A CN 109978684A CN 201910289510 A CN201910289510 A CN 201910289510A CN 109978684 A CN109978684 A CN 109978684A
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China
Prior art keywords
silver
invoice
holds
information
association
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Inventor
高翔
赵彦晖
孙淏添
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Shenzhen Micro Tax Silver Information Service Co Ltd
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Shenzhen Micro Tax Silver Information Service Co Ltd
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Priority to CN201910289510.8A priority Critical patent/CN109978684A/en
Publication of CN109978684A publication Critical patent/CN109978684A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/045Payment circuits using payment protocols involving tickets
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The embodiment of the invention provides a kind of bank acceptance checking method, system and relevant devices, and the various dimensions audit of the primary relationship for being automatically performed bill improves review efficiency and accuracy rate.The method comprise the steps that the silver for obtaining target draft holds billing information, it includes that silver holds the amount of money, silver holds main body, silver holds invoicing time that the silver, which holds billing information,;Obtain the corresponding invoice essential information of the target draft association invoice;The corresponding invoice full dose information of the target draft association invoice is inquired according to the invoice essential information;Verify the silver that the silver holds in billing information holds the amount of money, silver holds main body, silver hold invoicing time whether with the invoice full dose information matches, and show the check results of each dimension.

Description

A kind of bank acceptance checking method, system and relevant device
Technical field
The present invention relates to finance tax-controlling technical field more particularly to a kind of bank acceptance checking methods, system and phase Close equipment.
Background technique
Supervision department, China strict regulations, bank acceptance must have true trade background, for untrue trade The draft of easy background handles acceptance business, will lead to the financing assets generated after acceptance bill discount and diverts to other purpose, thus in the presence of Upset the risk of the normal financial order of country.
Existing embodiment, mostly uses greatly the mode of manual examination and verification, and banking person must be to the primary relationship of bill Give necessary examination, only meet true trade background, the specific bill of bonded debts relationship can just handle acceptance business.
In existing way, banking person is during manual examination and verification, for the relationship accepted a draft with actual services There are more human factor, inefficiency and easy errors for judgement.
Summary of the invention
The embodiment of the invention provides a kind of bank acceptance checking method, system and relevant devices, for automatic complete At the various dimensions audit of the primary relationship of bill, review efficiency and accuracy rate are improved.
First aspect of the embodiment of the present invention provides a kind of bank acceptance checking method characterized by comprising
The silver for obtaining target draft holds billing information, and it includes that silver holds the amount of money, silver holds main body, silver is held that the silver, which holds billing information, Invoicing time;
Obtain the corresponding invoice essential information of the target draft association invoice;
The corresponding invoice full dose information of the target draft association invoice is inquired according to the invoice essential information;
Verify the silver that the silver holds in billing information holds the amount of money, silver holds main body, silver hold invoicing time whether with the invoice Full dose information matches, and show the check results of each dimension.
Optionally, as a kind of possible embodiment, in the embodiment of the present invention, the verification silver holds billing information In silver hold the amount of money, silver holds main body, silver hold invoicing time whether with the invoice full dose information matches, comprising:
Judge whether the invoice amount summation of the associated all invoices of the target draft is not less than the silver and holds bill letter Silver in breath holds the amount of money, if being not less than, it is determined that silver holds the amount of money and the invoice full dose information matches;
The silver for judging that whether the target draft association invoice upstream and downstream main body holds in billing information with the silver holds main body Unanimously, if unanimously, it is determined that silver holds main body and the invoice full dose information matches;
Judge that the invoicing time of the target draft association invoice and the silver that the silver is held in billing information hold invoicing time Between difference whether be in preset range, if being in preset range, it is determined that silver, which holds invoicing time and the invoice full dose, to be believed Breath matching.
Optionally, as a kind of possible embodiment, the bank acceptance checking method in the embodiment of the present invention is also May include:
It verifies whether the target draft association invoice repeats to bind, and shows corresponding check results;
And/or judge whether the state of the target draft association invoice is effective, and show corresponding check results.
Optionally, as a kind of possible embodiment, described to obtain the target draft association in the embodiment of the present invention The corresponding invoice essential information of invoice, comprising:
By scanning invoice two dimensional code, the corresponding invoice essential information of the target draft association invoice is extracted;
Or, receiving the corresponding invoice essential information of target draft association invoice of user's input based on input interface.
Optionally, as a kind of possible embodiment, the bank acceptance checking method in the embodiment of the present invention is also May include:
The state for periodically checking the target draft association invoice generates early warning if the state of invoice changes Information, to point out risk.
One embodiment that second aspect of the embodiment of the present invention provides a kind of bank acceptance checking system can wrap It includes:
First obtains module, and the silver for obtaining target draft holds billing information, silver hold billing information include silver hold the amount of money, Silver holds main body, silver holds invoicing time;
Second obtains module, for obtaining the corresponding invoice essential information of target draft association invoice;
Enquiry module, for inquiring the corresponding invoice full dose information of target draft association invoice according to invoice essential information;
First correction verification module, for verifying, the silver-colored silver held in billing information, which holds the amount of money, silver holds main body, silver holds invoicing time is No and invoice full dose information matches, and show the check results of each dimension.
Optionally, as a kind of possible embodiment, the first correction verification module in the embodiment of the present invention may include:
First verification unit, for judging whether the invoice amount summation of the associated all invoices of target draft is not less than silver The silver held in billing information holds the amount of money, if being not less than, it is determined that silver holds the amount of money and invoice full dose information matches;
Second verification unit, for judge target draft association invoice upstream and downstream main body whether with silver hold in billing information It is consistent that silver holds main body, if unanimously, it is determined that silver holds main body and invoice full dose information matches;
Third verification unit is held for judging that the invoicing time of target draft association invoice holds the silver in billing information with silver Whether the difference between invoicing time is in preset range, if being in preset range, it is determined that it is complete with invoice that silver holds invoicing time Measure information matches.
Optionally, as a kind of possible embodiment, the bank acceptance checking system in the embodiment of the present invention is also May include:
Whether the second correction verification module repeats to bind for verification object draft association invoice, and shows corresponding verification knot Fruit;
Third correction verification module, whether the state for judging target draft association invoice is effective, and shows corresponding verification As a result.
Optionally, as a kind of possible embodiment, the second acquisition module 202 in the embodiment of the present invention includes:
First acquisition unit, for extracting the corresponding invoice base of target draft association invoice by scanning invoice two dimensional code This information;
Second acquisition unit, for receiving the corresponding invoice of target draft association invoice of user's input based on input interface Essential information.
Optionally, as a kind of possible embodiment, the bank acceptance checking system in the embodiment of the present invention is also May include:
Monitoring module, for recording the binding relationship between the target draft and corresponding association invoice, and periodically The state of the invoice of examination target draft binding generates warning information if the state of invoice changes, to point out wind Danger.
The third aspect of the embodiment of the present invention provides a kind of bank acceptance checking system characterized by comprising
Wechat public platform module, authentication module, invoice examination module, invoice examination library module, silver hold bill library mould Block, invoicer interface module;
The wechat public platform module, for providing examination entrance for user, user is by paying close attention to corresponding micro- many public Number, login page can be entered;
The authentication module, user name and password for inputting to user carry out login authentication;
The silver holds bill library module, holds draft information for saving silver, the silver hold billing information include silver hold the amount of money, Silver holds main body, silver holds invoicing time;
The invoice checks module, and the silver for initiating target draft according to the user's choice holds billing information examination, school The silver that the silver for testing the target draft holds in billing information holds the amount of money, silver holds main body, silver hold invoicing time whether with the target Draft is associated with invoice full dose information matches, and generates the check results of each dimension;
The invoicer interface module, for docking tax office electronics bottom account library, for obtaining the target draft association invoice Corresponding invoice full dose information;
The invoice checks library module, for saving and showing that the silver of target draft holds billing information examination result.
The embodiment of the present application fourth aspect provides a kind of computer installation, which is characterized in that the computer installation packet Processor is included, such as first aspect and first aspect are realized when the processor is for executing the computer program stored in memory In step in any one possible embodiment.
The 5th aspect of the embodiment of the present application provides a kind of computer readable storage medium, is stored thereon with computer journey Sequence, it is characterised in that: realize when the computer program is executed by processor such as any one in first aspect and first aspect Step in possible embodiment.
As can be seen from the above technical solutions, the embodiment of the present invention has the advantage that
In the embodiment of the present invention, bank acceptance checking system can be based on the corresponding invoice of target draft association invoice Essential information, it is automatic to inquire the corresponding invoice full dose information of target draft association invoice, based on the invoice full dose information got Can be checked automatically target draft silver hold the silver in billing information hold the amount of money, silver hold main body, silver hold the dimensions such as invoicing time Information whether with invoice full dose information matches, and the check results of each dimension are shown, so that bank converges in audit banker's acceptance It is referred to when ticket, invoice full dose information is included in auditing standards, be automatically performed the various dimensions audit of the primary relationship of bill, mention High review efficiency and accuracy rate.
Detailed description of the invention
Fig. 1 is a kind of one embodiment schematic diagram of bank acceptance checking method in the embodiment of the present invention;
Fig. 2 is a kind of one embodiment schematic diagram of bank acceptance checking system in the embodiment of the present invention;
Fig. 3 is a kind of another embodiment schematic diagram of bank acceptance checking system in the embodiment of the present invention;
Fig. 4 is that one of a kind of bank acceptance checking system in the embodiment of the present invention specifically shows with example embodiment It is intended to;
Fig. 5 is that one of a kind of bank acceptance checking system in the embodiment of the present invention specifically uses example embodiment stream Journey schematic diagram;
Fig. 6 is a kind of one embodiment schematic diagram of computer installation in the embodiment of the present invention.
Specific embodiment
The embodiment of the invention provides a kind of bank acceptance checking method, system and relevant devices, for automatic complete At the various dimensions audit of the primary relationship of bill, review efficiency and accuracy rate are improved.
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is only The embodiment of a part of the invention, instead of all the embodiments.Based on the embodiments of the present invention, ordinary skill people The model that the present invention protects all should belong in member's every other embodiment obtained without making creative work It encloses.
Description and claims of this specification and term " first ", " second ", " third ", " in above-mentioned attached drawing Four " etc. be to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should be understood that using in this way Data be interchangeable under appropriate circumstances, so that the embodiments described herein can be in addition to illustrating herein or describing Sequence other than appearance is implemented.In addition, term " includes " and " having " and their any deformation, it is intended that covering is non-exclusive Include, for example, the process, method, system, product or equipment for containing a series of steps or units are not necessarily limited to clearly arrange Those of out step or unit, but may include be not clearly listed or it is solid for these process, methods, product or equipment The other step or units having.
Supervision department, China strict regulations, bank acceptance must have true trade background, for untrue trade The draft of easy background handles acceptance business, will lead to the financing assets generated after acceptance bill discount and diverts to other purpose, thus in the presence of Upset the risk of the normal financial order of country.In existing way, banking person is during manual examination and verification, for honouring There are more human factor, inefficiency and easy errors for the judgement of the relationship of draft and actual services.
The present invention mainly passes through bank acceptance checking system, and the invoice of royalities office checks interface, by invoice The dynamic of state is checked and working process, solves the problems, such as trade authenticity validation and variation, by the way that business rule is arranged, Reduce true trade and human factor problem that acceptance bill relationship defines.
In order to make it easy to understand, the detailed process in the embodiment of the present invention is described below, referring to Fig. 1, of the invention A kind of one embodiment of bank acceptance checking method in embodiment can include:
101, the silver for obtaining target draft holds billing information;
Bank acceptance is one kind of commercial draft, refers to and is signed and issued by the depositor for opening savings account in accepting bank, It honours, guarantees in the determining amount of money of scheduled date unconditional payment to gathering to bank of deposit's application and through bank reviews agreement The bill of people or bearer.The commercial draft that check drawer signs and issues honour be bank based on the approval to check drawer's standing and The credit given is supported.Honour applicant (requestee, check drawer) to bank application issue acceptance bill when, generate banker's acceptance Draft information, i.e. silver hold billing information.Bank needs before confirmation is agreed to issue acceptance bill to the money for honouring applicant's submission Material and silver hold billing information and are audited.
The silver that bank acceptance checking system can actively or passively get target draft holds billing information, for school The authenticity of trade background is tested, the silver in the embodiment of the present application holds billing information including at least silver holds the amount of money, silver holds main body, silver is held Invoicing time.Specific silver holds billing information can also according to actual needs and relevant laws and regulations are reasonably arranged, specifically this Place is without limitation.
102, the corresponding invoice essential information of target draft association invoice is obtained;
In the link of bank acceptance audit, for the authenticity of verification object draft trade background, banker's acceptance converges The silver that ticket checking system needs to verify target draft holds the primary relationship that billing information is associated with invoice with target draft.The present invention is real The corresponding invoice essential information (invoice number of target draft association invoice can first be obtained by applying bank acceptance checking system in example Code, invoice codes, date of making out an invoice, invoice amount), then based on the corresponding hair of invoice essential information inquiry target draft association invoice Ticket full dose information.Specifically, association invoice can be the data that user submits when issuing acceptance bill to bank's application.
Optionally, as a kind of possible embodiment, the bank acceptance checking system in the embodiment of the present invention obtains Taking the mode of the corresponding invoice essential information of target draft association invoice may is that by scanning invoice two dimensional code, extract target Draft is associated with the corresponding invoice essential information of invoice;Or, being associated with invoice based on the target draft that input interface receives user's input Corresponding invoice essential information.
Preferably, bank acceptance checking system can scan hair with calling mobile phone or other equipment for being equipped with scanning means Ticket two dimensional code extracts the invoice essential information of target draft binding invoice.
103, the corresponding invoice full dose information of target draft association invoice is inquired according to invoice essential information;
Bank acceptance checking system can be associated with invoice by State Administration of Taxation's electronics bottom account system queries target draft Corresponding invoice full dose information, specific full dose information refers to all information on invoice, other than essential information, can also include Seller title, seller Taxpayer Identification Number, purchaser's title, purchaser's Taxpayer Identification Number, cargo or dutiable service clothes Be engaged in title, drawer, payee, etc. full doses invoice information.
104, the silver that verification silver holds in billing information holds the amount of money, silver holds main body, silver hold invoicing time whether with invoice full dose Information matches, and show the check results of each dimension.
The silver that bank acceptance checking system can verify mark draft by multiple dimensions holds billing information and target is converged The primary relationship of ticket association invoice.Specifically, in the embodiment of the present invention, can verify the silver that silver holds in billing information hold the amount of money, Silver holds main body, silver hold invoicing time whether with invoice full dose information matches, and show the check results of each dimension.
Optionally, bank acceptance checking system may determine that the invoice amount of the associated all invoices of target draft is total The silver whether held in billing information not less than silver holds the amount of money, if being not less than, it is determined that silver holds the amount of money and invoice full dose information Match.When a silver, which is honoured, answers multiple invoices, invoice needs full-amount verifying in logic, i.e. silver holds the invoice amount under serial number and closes Counting, which is greater than, holds the amount of money equal to silver.
Optionally, bank acceptance checking system may determine that target draft association invoice upstream and downstream main body whether with silver Holding the silver in billing information, to hold main body consistent, if unanimously, it is determined that silver holds main body and invoice full dose information matches.Specific silver is held Main body unanimously refers to the upstream and downstream main body of invoice, it is necessary to and the main body of acceptance bill is consistent, and a silver holds serial number Corresponding invoice upstream and downstream main body quantity cannot be greater than 2, and the beneficiary of acceptance bill is consistent with the information of invoice issuing main body.
Optionally, bank acceptance checking system may determine that the invoicing time of target draft association invoice and silver hold ticket It is believed that the silver in breath holds whether the difference between invoicing time is in preset range, if being in preset range, it is determined that silver is held out Ticket time and invoice full dose information matches.Specifically, the bill billing time can hold invoicing time earlier than silver, silver can also be later than Invoicing time is held, the time difference of the two is in preset range, such as can be set the bill billing time and earlier than silver hold invoicing time 3 In a month or it is later than silver and holds and be regarded as in invoicing time 2 months in preset range, is otherwise exactly extremely.The specific time Poor preset range reasonably can be arranged and be adjusted according to practical business demand and relevant laws and regulations, not limited herein specifically It is fixed.
Optionally, bank acceptance checking system can form corresponding table and summary sheet, by forming serial number and hair The binding relationship of ticket information can show the check results of each dimension in the form of corresponding to table and in the form of summary sheet, Convenient for checking comparison result.
Bank acceptance checking system can provide inquiry and the statistical analysis function of various dimensions for all kinds of reports of business Can, it, can be according to the time for the angle of inquiry, branch, branch, login person, serial number, the dimensions such as risk carry out comprehensive Close inquiry.
In the embodiment of the present invention, bank acceptance checking system can be based on the corresponding invoice of target draft association invoice Essential information, it is automatic to inquire the corresponding invoice full dose information of target draft association invoice, based on the invoice full dose information got Can be checked automatically target draft silver hold the silver in billing information hold the amount of money, silver hold main body, silver hold the dimensions such as invoicing time Information whether with invoice full dose information matches, and the check results of each dimension are shown, so that bank converges in audit banker's acceptance It is referred to when ticket, invoice full dose information is included in auditing standards, be automatically performed the various dimensions audit of the primary relationship of bill, mention High review efficiency and accuracy rate.
It is understood that in various embodiments of the present invention, the size of the serial number of above steps is not meant to Execution sequence it is successive, the execution of each step sequence should be determined by its function and internal logic, without coping with the embodiment of the present invention Implementation process constitute any restriction.
On the basis of above-mentioned embodiment shown in FIG. 1, to honour applicant submission data and silver hold billing information into During row audit, it can also be audited from the invoice that more various dimensions submit applicant.
Optionally, as a kind of possible embodiment, on the basis of above-mentioned embodiment shown in FIG. 1, in order to improve The accuracy rate of audit reduces non-controllable risk, and bank acceptance checking system can also perform the following steps: verification object is converged Ticket is associated with whether invoice repeats to bind, and shows corresponding check results;And/or judge the state of target draft association invoice Whether effectively, and corresponding check results are shown.
Specifically, the state of the invoice under acceptance bill necessarily is in effective status, do not allow to be calcellation or red punching State.Invoice under acceptance bill needs to have uniqueness rule, and same invoice cannot bind multiple acceptance bills.
The state of invoice is variable in practice, in order to monitor risk, optionally, as a kind of possible embodiment party Formula, on the basis of above-mentioned embodiment shown in FIG. 1, bank acceptance checking system can recorde the target draft with it is right The binding relationship between association invoice answered, and the state of the invoice of periodically examination target draft binding, if the state of invoice It changes, then generates warning information, to point out risk.
Specifically, bank acceptance checking system is supported to be sent out automatically to having veritified invoice information within following a period of time It plays batch and veritifies request, and result is shown, the result checked automatically while can be embodied in the report of user.
Referring to Fig. 2, a kind of one embodiment of bank acceptance checking system may include: in the embodiment of the present invention
First obtains module 201, and the silver for obtaining target draft holds billing information, and it includes that silver holds gold that silver, which holds billing information, Volume, silver hold main body, silver holds invoicing time;
Second obtains module 202, for obtaining the corresponding invoice essential information of target draft association invoice;
Enquiry module 203 is believed for inquiring the corresponding invoice full dose of target draft association invoice according to invoice essential information Breath;
First correction verification module 204, for verifying, the silver-colored silver held in billing information holds the amount of money, silver holds main body, silver is held when making out an invoice Between whether with invoice full dose information matches, and show the check results of each dimension.
Optionally, as a kind of possible embodiment, the first correction verification module in the embodiment of the present invention may include:
Whether the first verification unit 2041, the invoice amount summation for judging the associated all invoices of target draft are not small Silver in Yu Yincheng billing information holds the amount of money, if being not less than, it is determined that silver holds the amount of money and invoice full dose information matches;
Second verification unit 2042, for judging whether target draft association invoice upstream and downstream main body with silver holds billing information In silver to hold main body consistent, if unanimously, it is determined that silver holds main body and invoice full dose information matches;
Third verification unit 2043, invoicing time and silver for judging target draft association invoice are held in billing information Silver holds whether the difference between invoicing time is in preset range, if being in preset range, it is determined that silver holds invoicing time and hair Ticket full dose information matches.
Optionally, referring to Fig. 3, as a kind of possible embodiment, the bank acceptance in the embodiment of the present invention Checking system can also include:
Whether the second correction verification module 205 repeats to bind, and shows corresponding verification for verification object draft association invoice As a result;
Third correction verification module 206, whether the state for judging target draft association invoice is effective, and shows corresponding school Test result.
Optionally, as a kind of possible embodiment, the second acquisition module 202 in the embodiment of the present invention includes:
First acquisition unit 2021, for extracting the corresponding hair of target draft association invoice by scanning invoice two dimensional code Ticket essential information;
Second acquisition unit 2022, the target draft association invoice for receiving user's input based on input interface are corresponding Invoice essential information.
Optionally, referring to Fig. 3, as a kind of possible embodiment, the bank acceptance in the embodiment of the present invention Checking system can also include:
Monitoring module 207, for recording the binding relationship between the target draft and corresponding association invoice, and period Property examination target draft association invoice state generate warning information if the state of invoice changes, to point out wind Danger.
In the embodiment of the present invention, bank acceptance checking system can be based on the corresponding invoice of target draft association invoice Essential information, it is automatic to inquire the corresponding invoice full dose information of target draft association invoice, based on the invoice full dose information got Can be checked automatically target draft silver hold the silver in billing information hold the amount of money, silver hold main body, silver hold the dimensions such as invoicing time Information whether with invoice full dose information matches, and the check results of each dimension are shown, so that bank converges in audit banker's acceptance It is referred to when ticket, invoice full dose information is included in auditing standards, be automatically performed the various dimensions audit of the primary relationship of bill, mention High review efficiency and accuracy rate.
In order to make it easy to understand, being checked with example the bank acceptance in the embodiment of the present application below in conjunction with specific System is illustrated, referring to Fig. 4, an a kind of specific utilization of bank acceptance checking system is real in the embodiment of the present application Apply example can include: wechat public platform module, authentication module, invoice examination module, invoice examination library module, silver hold bill library Module, invoicer interface module;
Wherein, wechat public platform module, for providing examination entrance for user, user is by paying close attention to corresponding micro- many public Number, login page can be entered;
Authentication module, user name and password for inputting to user carry out login authentication;
Silver holds bill library module, holds draft information for saving silver, it includes that silver holds the amount of money, silver holds master that silver, which holds billing information, Body, silver hold invoicing time;
Invoice checks module, and the silver for initiating target draft according to the user's choice holds billing information examination, verifies mesh The silver of mark draft holds that the silver in billing information holds the amount of money, silver holds main body, silver holds whether invoicing time with target draft is associated with invoice Full dose information matches record the binding relationship between the target draft and corresponding association invoice, and generate each dimension Check results;
Invoicer interface module, for docking tax office electronics bottom account library, for obtaining the corresponding hair of target draft association invoice Ticket full dose information;
Invoice checks library module, for saving and showing that the silver of target draft holds billing information examination result.
System flow of the invention is as shown in figure 5, specific as follows:
1, user enters wechat public platform module by paying close attention to wechat public platform.User passes through concern wechat public platform, into Enter wechat public platform of the present invention.System judges whether the user is user bound.If bound login person number, then step on automatically Record checking system.Such as unbound login person number, then need to input login person number, system password, graphical verification code carries out identity Judgement then binds the WeChat ID, and automatically log into system after identity judgement passes through.Input element: login person number, system are close Code, the elements such as graphical verification code.
2, micro- many public platform modules call authentication module to judge whether user has bound examination account, if having bound, Then automatically log into invoice examination module.After login, the corresponding all bank acceptance information of this login member, Ke Yigen are shown According to serial number, invoicing time, the amount of money, customer name, beneficiary etc. carries out query filter, shows the state of the acceptance bill.Silver In the list of row acceptance bill information, comprising: silver holds serial number, and silver holds the amount of money, and silver holds invoicing time, and silver holds customer name (example Such as, 4-7 Chinese characters), state, the operation such as binding invoice.
3, the silver that invoice examination module synchronization silver holds bill library module holds billing information, and shows all silver of login user Row acceptance bill information, user are scanned invoice two dimensional code by selecting silver to hold serial number, by invoice examination module calling mobile phone, are mentioned Take invoice essential information.
4, invoice examination module calls invoicer interface module to obtain the hair in tax office electronics bottom account library according to invoice essential information Ticket full dose information.System support automatically initiates batch within following a period of time to the invoice information veritified and bound and veritifies Request, and result is prompted.Automatically it the result checked while can be embodied in the report of user.
5, invoice examination module is according to scheduled business rule by invoice full dose information to be checked and selected bank Acceptance bill information is compared, and forms comparison result information and stores to invoice and checks library module.
Specific invoice examination module checks acceptance bill and invoice relationship according to default rule, and examination passes through Afterwards, acceptance bill and invoice are bound, and forms examination result information;Invoice checking system provides for all kinds of reports of business The inquiry and function of statistic analysis of various dimensions can be according to the times for the angle of inquiry, and branch, branch logs in Member, serial number, the dimensions such as risk carry out comprehensive inquiry.
Specifically, in acceptance bill and the verifying relationship of invoice examination, it can be using following rule:
1, silver holds the amount of money and invoice amount is verified, and verifies invoice denomination, and the acceptance bill amount of money is compared, and is verified The authenticity of practical trade.Invoice needs full-amount verifying in logic, i.e., the invoice amount total number that silver is held under serial number is greater than The amount of money is held equal to silver.
2, invoice uniqueness is verified, and the invoice under accepting a draft has uniqueness rule, and same invoice cannot be bound more A silver holds serial number.
3, invoice status is verified, and invoice information verification result, i.e. invoice status need to be normal situation, do not allow be The state of calcellation or red punching.
4, the upstream and downstream main body verification of invoice, the upstream and downstream main body of invoice, it is necessary to and the main body of acceptance bill is consistent, And a silver hold the corresponding invoice upstream and downstream main body quantity of serial number cannot be greater than 2.
5, the beneficiary verification accepted a draft, the information of the beneficiary and invoice issuing main body that can compare acceptance bill are No consistent, this partial information is also required to hold the synchronization of bill library from silver.
6, the bill billing time holds invoicing time with silver and verification is compared, and compares the time of invoice issuing, and honours The time of draft, the two time have certain front and back correlation, carry out abnormality processing every excessive invoice to the time difference.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description, The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
The bank acceptance checking system in the embodiment of the present application is carried out from the angle of modular functionality entity above Description, is below described the computer installation in the embodiment of the present application from the angle of hardware handles:
The embodiment of the present application also provides a kind of computer installations 6, as shown in fig. 6, for ease of description, illustrate only with The relevant part of the embodiment of the present application, it is disclosed by specific technical details, please refer to the embodiment of the present application method part.The calculating Machine device 6 refers generally to the stronger computer equipment of the processing capacities such as server.
With reference to Fig. 6, computer installation 6 includes: that power supply 610, memory 620, processor 630, wired or wireless network connect Mouthfuls 640 and storage in memory and the computer program that can run on a processor.When processor executes computer program Realize the step in above-mentioned each bank acceptance checking method embodiment, such as step 101 shown in FIG. 1 is to 104.Or Person, processor realize each module or the function of unit in above-mentioned each Installation practice when executing computer program.
In some embodiments of the present application, processor is specifically used for realizing following steps:
The silver for obtaining target draft holds billing information, and it includes that silver holds the amount of money, silver holds main body, silver holds and makes out an invoice that silver, which holds billing information, Time;
Obtain the corresponding invoice essential information of target draft association invoice;
The corresponding invoice full dose information of target draft association invoice is inquired according to invoice essential information;
The silver that verification silver holds in billing information holds the amount of money, silver holds main body, silver hold invoicing time whether with invoice full dose information Matching, and show the check results of each dimension.
Optionally, in some embodiments of the present application, processor can be also used for realizing following steps:
Judge whether the invoice amount summation of the associated all invoices of target draft is not less than the silver-colored silver held in billing information The amount of money is held, if being not less than, it is determined that silver holds the amount of money and invoice full dose information matches;
It is consistent to judge whether target draft association invoice upstream and downstream main body with the silver that silver holds in billing information holds main body, if one It causes, it is determined that silver holds main body and invoice full dose information matches;
Judge that the invoicing time of target draft association invoice and silver hold the silver in billing information and hold difference between invoicing time Whether value is in preset range, if being in preset range, it is determined that silver holds invoicing time and invoice full dose information matches.
Optionally, in some embodiments of the present application, processor can be also used for realizing following steps:
Verification object draft is associated with whether invoice repeats to bind, and shows corresponding check results;
And/or judge whether the state of target draft association invoice is effective, and show corresponding check results.
Optionally, in some embodiments of the present application, processor can be also used for realizing following steps:
By scanning invoice two dimensional code, the corresponding invoice essential information of target draft association invoice is extracted;
Or, receiving the corresponding invoice essential information of target draft association invoice of user's input based on input interface.
Optionally, in some embodiments of the present application, processor can be also used for realizing following steps:
The binding relationship between the target draft and corresponding association invoice is recorded, and periodically examination target draft is tied up The state of fixed invoice generates warning information if the state of invoice changes, to point out risk.
Computer installation 6 can be desktop PC, notebook, palm PC and cloud server etc. and calculate equipment. Illustratively, computer program can be divided into one or more module/units, one or more module/unit is deposited Storage in memory, and is executed by processor.One or more module/units, which can be, can complete a series of of specific function Computer program instructions section, the instruction segment is for describing implementation procedure of the computer program in computer installation.
It will be understood by those skilled in the art that structure shown in Fig. 6 does not constitute the restriction to computer installation 6, meter Calculation machine device 6 may include perhaps combining certain components or different component layouts than illustrating more or fewer components, Such as computer installation can also include input-output equipment, bus etc..
Alleged processor can be central processing unit (Central Processing Unit, CPU), can also be it His general processor, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field- Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic, Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor Deng processor is the control centre of computer installation, utilizes each portion of various interfaces and the entire computer installation of connection Point.
Memory can be used for storing computer program and/or module, and processor is stored in memory by operation or execution Interior computer program and/or module, and the data being stored in memory are called, realize the various function of computer installation Energy.Memory can mainly include storing program area and storage data area, wherein storing program area can storage program area, at least Application program needed for one function (such as sound-playing function, image player function etc.) etc.;Storage data area can store root Created data (such as audio data, phone directory etc.) etc. are used according to mobile phone.In addition, memory may include that high speed is random Memory is accessed, can also include nonvolatile memory, such as hard disk, memory, plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card), at least one disk Memory device, flush memory device or other volatile solid-state parts.
Present invention also provides a kind of computer readable storage medium, calculating is stored on the computer readable storage medium When computer program is executed by processor, following steps are may be implemented in machine program:
The silver for obtaining target draft holds billing information, and it includes that silver holds the amount of money, silver holds main body, silver holds and makes out an invoice that silver, which holds billing information, Time;
Obtain the corresponding invoice essential information of target draft association invoice;
The corresponding invoice full dose information of target draft association invoice is inquired according to invoice essential information;
The silver that verification silver holds in billing information holds the amount of money, silver holds main body, silver hold invoicing time whether with invoice full dose information Matching, and show the check results of each dimension.
Optionally, in some embodiments of the present application, processor can be also used for realizing following steps:
Judge whether the invoice amount summation of the associated all invoices of target draft is not less than the silver-colored silver held in billing information The amount of money is held, if being not less than, it is determined that silver holds the amount of money and invoice full dose information matches;
It is consistent to judge whether target draft association invoice upstream and downstream main body with the silver that silver holds in billing information holds main body, if one It causes, it is determined that silver holds main body and invoice full dose information matches;
Judge that the invoicing time of target draft association invoice and silver hold the silver in billing information and hold difference between invoicing time Whether value is in preset range, if being in preset range, it is determined that silver holds invoicing time and invoice full dose information matches.
Optionally, in some embodiments of the present application, processor can be also used for realizing following steps:
Verification object draft is associated with whether invoice repeats to bind, and shows corresponding check results;
And/or judge whether the state of target draft association invoice is effective, and show corresponding check results.
Optionally, in some embodiments of the present application, processor can be also used for realizing following steps:
By scanning invoice two dimensional code, the corresponding invoice essential information of target draft association invoice is extracted;
Or, receiving the corresponding invoice essential information of target draft association invoice of user's input based on input interface.
Optionally, in some embodiments of the present application, processor can be also used for realizing following steps:
The binding relationship between the target draft and corresponding association invoice is recorded, and periodically examination target draft is tied up The state of fixed invoice generates warning information if the state of invoice changes, to point out risk.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit It divides, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or The mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, the indirect coupling of device or unit It closes or communicates to connect, can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme 's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product When, it can store in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words It embodies, which is stored in a storage medium, including some instructions are used so that a computer Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the present invention Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can store journey The medium of sequence code.
The above, the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations;Although referring to before Stating embodiment, invention is explained in detail, those skilled in the art should understand that: it still can be to preceding Technical solution documented by each embodiment is stated to modify or equivalent replacement of some of the technical features;And these It modifies or replaces, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution.

Claims (10)

1. a kind of bank acceptance checking method characterized by comprising
The silver for obtaining target draft holds billing information, and it includes that silver holds the amount of money, silver holds main body, silver holds and makes out an invoice that the silver, which holds billing information, Time;
Obtain the corresponding invoice essential information of the target draft association invoice;
The corresponding invoice full dose information of the target draft association invoice is inquired according to the invoice essential information;
Verify the silver that the silver holds in billing information holds the amount of money, silver holds main body, silver hold invoicing time whether with the invoice full dose Information matches, and show the check results of each dimension.
2. the method according to claim 1, wherein the verification silver holds the silver in billing information and holds gold Volume, silver hold main body, silver hold invoicing time whether with the invoice full dose information matches, comprising:
Judge whether the invoice amount summation of the associated all invoices of the target draft is not less than the silver and holds in billing information Silver hold the amount of money, if being not less than, it is determined that silver holds the amount of money and the invoice full dose information matches;
Judge target draft association invoice upstream and downstream main body whether to hold the silver in billing information with the silver that hold main body consistent, If consistent, it is determined that silver holds main body and the invoice full dose information matches;
Judge that the invoicing time of the target draft association invoice and the silver that the silver is held in billing information are held between invoicing time Difference whether be in preset range, if be in preset range, it is determined that silver holds invoicing time and the invoice full dose information Match.
3. according to the method described in claim 2, it is characterized by further comprising:
It verifies whether the target draft association invoice repeats to bind, and shows corresponding check results;
And/or judge whether the state of the target draft association invoice is effective, and show corresponding check results.
4. according to the method in any one of claims 1 to 3, which is characterized in that described to obtain the target draft association The corresponding invoice essential information of invoice, comprising:
By scanning invoice two dimensional code, the corresponding invoice essential information of the target draft association invoice is extracted;
Or, receiving the corresponding invoice essential information of target draft association invoice of user's input based on input interface.
5. according to the method in any one of claims 1 to 3, which is characterized in that further include:
Record the binding relationship between the target draft and corresponding association invoice;
The state for periodically checking the invoice of the target draft binding generates early warning letter if the state of invoice changes Breath, to point out risk.
6. a kind of bank acceptance checking system characterized by comprising
First obtains module, and the silver for obtaining target draft holds billing information, the silver hold billing information include silver hold the amount of money, Silver holds main body, silver holds invoicing time;
Second obtains module, for obtaining the corresponding invoice essential information of the target draft association invoice;
Enquiry module is believed for inquiring the corresponding invoice full dose of the target draft association invoice according to the invoice essential information Breath;
First correction verification module, for verifying, the silver that the silver holds in billing information, which holds the amount of money, silver holds main body, silver holds invoicing time is The no and invoice full dose information matches, and show the check results of each dimension.
7. system according to claim 6, which is characterized in that first correction verification module includes:
First verification unit, for judging whether the invoice amount summation of the associated all invoices of the target draft is not less than institute It states the silver that silver is held in billing information and holds the amount of money, if being not less than, it is determined that silver holds the amount of money and the invoice full dose information matches;
Second verification unit, for judging whether target draft association invoice upstream and downstream main body with the silver holds billing information In silver to hold main body consistent, if unanimously, it is determined that silver holds main body and the invoice full dose information matches;
Third verification unit, invoicing time and the silver for judging the target draft association invoice are held in billing information Silver holds whether the difference between invoicing time is in preset range, if being in preset range, it is determined that silver holds invoicing time and institute State invoice full dose information matches.
8. a kind of bank acceptance checking system characterized by comprising
Wechat public platform module, authentication module, invoice examination module, invoice examination library module, silver hold bill library module, hair Ticket interface module;
The wechat public platform module, for providing examination entrance for user, user is by paying close attention to corresponding micro- many public platforms, i.e., Login page can be entered;
The authentication module, user name and password for inputting to user carry out login authentication;
The silver holds bill library module, holds draft information for saving silver, it includes that silver holds the amount of money, silver is held that the silver, which holds billing information, Main body, silver hold invoicing time;
The invoice checks module, and the silver for initiating target draft according to the user's choice holds billing information examination, verifies institute The silver that the silver for stating target draft holds in billing information holds the amount of money, silver holds main body, silver hold invoicing time whether with the target draft Invoice full dose information matches are associated with, and generate the check results of each dimension;
The invoicer interface module, it is corresponding for obtaining the target draft association invoice for docking tax office electronics bottom account library Invoice full dose information;
The invoice checks library module, for saving and showing that the silver of target draft holds billing information examination result.
9. a kind of computer installation, which is characterized in that the computer installation includes processor, and the processor is deposited for executing It is realized when the computer program stored in reservoir such as the step of any one of claim 1 to 5 the method.
10. a kind of computer readable storage medium, is stored thereon with computer program, it is characterised in that: the computer program It is realized when being executed by processor such as the step of any one of claim 1 to 5 the method.
CN201910289510.8A 2019-04-11 2019-04-11 A kind of bank acceptance checking method, system and relevant device Pending CN109978684A (en)

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CN111143512A (en) * 2019-12-25 2020-05-12 卓尔智联(武汉)研究院有限公司 Bill information detection method and device and computer equipment
CN112017059A (en) * 2020-07-14 2020-12-01 北京淇瑀信息科技有限公司 Hierarchical optimization risk control method and device and electronic equipment
CN112070611A (en) * 2020-09-07 2020-12-11 四川川投云链科技有限公司 Ticket signing system and ticket signing method applied to acceptance remittance tickets
CN115311094A (en) * 2022-10-12 2022-11-08 江苏银承网络科技股份有限公司 Combination method and device for acceptance draft, electronic equipment and readable storage medium

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CN101727650A (en) * 2009-12-09 2010-06-09 中国民生银行股份有限公司 Comparing method and comparing system of electronic invoice
CN103903171A (en) * 2014-04-02 2014-07-02 浪潮软件集团有限公司 Interactive network invoice authenticity checking method
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Publication number Priority date Publication date Assignee Title
CN111143512A (en) * 2019-12-25 2020-05-12 卓尔智联(武汉)研究院有限公司 Bill information detection method and device and computer equipment
CN112017059A (en) * 2020-07-14 2020-12-01 北京淇瑀信息科技有限公司 Hierarchical optimization risk control method and device and electronic equipment
CN112070611A (en) * 2020-09-07 2020-12-11 四川川投云链科技有限公司 Ticket signing system and ticket signing method applied to acceptance remittance tickets
CN115311094A (en) * 2022-10-12 2022-11-08 江苏银承网络科技股份有限公司 Combination method and device for acceptance draft, electronic equipment and readable storage medium
CN115311094B (en) * 2022-10-12 2022-12-27 江苏银承网络科技股份有限公司 Acceptance draft combination method and device, electronic equipment and readable storage medium

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Applicant after: Shenzhen Weizhong credit Technology Co., Ltd

Address before: Guangdong Nanshan District street of Shenzhen city in Guangdong province 518000 Shenzhen international software park a 8 Building 202 room

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Application publication date: 20190705