CN111178994B - Electronic silver ticket full-flow automatic intelligent wind control cash registering system and cash registering method - Google Patents
Electronic silver ticket full-flow automatic intelligent wind control cash registering system and cash registering method Download PDFInfo
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- CN111178994B CN111178994B CN201911375810.4A CN201911375810A CN111178994B CN 111178994 B CN111178994 B CN 111178994B CN 201911375810 A CN201911375810 A CN 201911375810A CN 111178994 B CN111178994 B CN 111178994B
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- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 title claims abstract description 46
- 229910052709 silver Inorganic materials 0.000 title claims abstract description 46
- 239000004332 silver Substances 0.000 title claims abstract description 46
- 238000000034 method Methods 0.000 title claims abstract description 38
- 238000012795 verification Methods 0.000 claims abstract description 62
- 238000012545 processing Methods 0.000 claims description 13
- 238000012790 confirmation Methods 0.000 claims description 6
- 238000005111 flow chemistry technique Methods 0.000 abstract description 2
- 238000002372 labelling Methods 0.000 description 14
- 238000007726 management method Methods 0.000 description 6
- 238000004458 analytical method Methods 0.000 description 3
- 238000011160 research Methods 0.000 description 2
- 238000012546 transfer Methods 0.000 description 2
- 230000002159 abnormal effect Effects 0.000 description 1
- 238000012550 audit Methods 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 238000001914 filtration Methods 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000002265 prevention Effects 0.000 description 1
- 238000012360 testing method Methods 0.000 description 1
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- G06Q—INFORMATION 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
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- G06Q30/04—Billing or invoicing
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention discloses an electronic silver ticket full-flow automatic intelligent wind control cash registering system and a cash registering method, wherein the cash registering system comprises an enterprise network cash registering system, a credit system, a bill system and an electronic business draft system, wherein an operation user takes the enterprise network cash registering system as a cash registering inlet, a first check model of the bill system is called through a query interface to check an electronic silver ticket requested to be cash registering by the operation user, and cash registering bill information under the checked operation user name is returned to the enterprise network cash registering system through a bill picking interface; the enterprise network banking system calls a second verification model of the credit system through a verification interface to verify the information of the negotiable instrument under the operation user name piece by piece, and returns a verification result to the enterprise network banking system; judging whether the verification result passes or not, and if so, calling the bill system and the electronic business draft system to complete automatic cash-on-paste operation. The invention can carry out full-flow processing on the electronic silver ticket stock service on the premise of intelligent risk verification, and improves the service efficiency.
Description
Technical Field
The invention relates to the field of bank cash register control, in particular to an electronic cash register full-flow automatic intelligent air control cash register system and a cash register method.
Background
The business draft is issued by the drawer, the payor is entrusted with unconditionally paying the ticket face to determine the amount to the bill of the payee or the ticket holder on a specified date, and the bill can obtain a loan with a certain credit value by transacting a labeling business at a bank in the process of unexpired. The bill right is changed from personal holding to bank holding, and before it is expired, the bank can make related trade to buy and sell for reuse of funds. The bill cash register business is credit business with larger share in public business by banks and better profit, but due to factors such as complex ticket face information of bills, complex background of contractors and ticket holders business, the cash register business is carried out in seconds, the transaction flow is simplified by clients, and the cash register business is difficult to achieve better matching with the current security management and control.
Through research, the homonymy bank in the current market accepts the cash business, and the cash form analysis mainly comprises the following steps: on-line full-flow release labeling, on-line special bill second labeling; analysis from single note amounts, mainly comprising: single batch single ticket process and single batch multiple ticket process.
At present, after the on-line full-flow posting release of the market homonymy mainly establishes a credit contract manually, the bill posting full-flow sends a message until the in-line clearing full-flow release. Through research and analysis, a single batch is found, if a problem occurs in one ticket of the same batch in the actual operation process, the abnormal process of posting other tickets in the batch is likely to be influenced, and the customer experience is not good. A step of
Summarizing major drawbacks of the prior art labeling process include at least: the handling process is complex, the bill risk is totally controlled by manual control, and the handling experience of clients is poor.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides an electronic silver ticket full-flow automatic intelligent wind control cash registering system and a cash registering method, which can simplify the handling flow, replace manual auditing by the system to enhance risk prevention and control, promote customer experience and reduce system problem generation nodes, and the technical scheme is as follows:
in one aspect, the invention provides an electronic silver ticket full-flow automatic intelligent wind control cash registering system, which comprises an enterprise network banking system, a credit system, a bill system and an electronic commercial draft system which are built based on computer hardware, wherein,
an operation user takes the enterprise online banking system as an electronic banking ticket stock deposit portal, a first verification model of the ticket system is called through a query interface to verify the electronic banking ticket which the operation user requests to deposit, and the deposit ticket information under the verified operation user name is returned to the enterprise online banking system through a ticket picking interface;
the enterprise network banking system calls a second verification model of the credit system through a verification interface to verify the information of the negotiable instrument under the operation user name one by one, and returns a verification result to the enterprise network banking system;
judging whether the verification result passes or not, and if so, calling the bill system and the electronic business draft system to complete automatic cash-on-paste operation.
Further, if the checking result passes, the credit system performs a manual approval process, if the manual approval process passes, a contract is established and a paste application message is sent to the electronic business draft system.
Further, the first verification model comprises one or more verification conditions for verifying the bill information of the electronic silver ticket.
Further, the second verification model includes one or more verification conditions for performing risk verification on the operation user and/or the markable ticket information under the operation user name.
Further, after the posting operation of the operation user is automatically completed, the electronic business draft system feeds back a successful posting message to the enterprise internet banking system, the credit system and the bill system, so that the whole posting system synchronizes the business state.
Preferably, the same operating user can initiate the posting requests of a plurality of electronic silver tickets at the same time.
Further, the calling the bill system and the electronic commerce draft system to complete the automatic posting operation comprises the following procedures:
the bill system sends a paste application message to the electronic business draft system;
the electronic commerce draft system receives and returns an application confirmation message to the bill system;
the bill system acquires bill information of the electronic silver bill requested to be posted, and sends a posting acceptance message to the electronic commercial draft system after acquiring contract information from the credit system;
the electronic commerce draft system receives the processing message and feeds back the message of successful posting.
On the other hand, the invention provides an electronic silver ticket full-flow automatic intelligent wind control cash registering method, which comprises the following steps:
receiving a paste request of an electronic silver ticket initiated by an operation user;
invoking a first verification model of a bank bill system to verify the bill information authenticity of the electronic silver bill, if the verification is not passed, the cash registering fails, if the verification is passed, the cash registering bill under the operation user name is obtained, and the following operation is continuously carried out;
invoking a second verification model of the bank credit system to carry out risk verification on the operation user and/or the on-cash bill information under the name of the operation user; if the verification is passed, the automatic labeling process is started, and if the verification is not passed, the manual labeling process is started.
Further, the automatic paste flow includes:
invoking a bank bill system to send a paste application message to an electronic business draft system;
the electronic business draft system receives and returns an application confirmation message to the bank bill system;
the bank bill system acquires bill information of the electronic bank bill which is requested to be posted, and sends a posting acceptance message to the electronic business draft system after acquiring contract information from the bank credit system;
the electronic business draft system receives the processing message and feeds back the successful posting message to the bank bill system and the bank credit system.
Preferably, the present method is capable of receiving present requests of a plurality of electronic silver tickets initiated by an operating user at the same time.
The technical scheme provided by the invention has the following beneficial effects:
a. the electronic ticket stock service is processed in a full flow way, the working flows of original ticket holding clients and business handling staff are all automatically integrated on line, the client experience is improved, and meanwhile, the working complexity of banking staff is reduced;
b. the credit contract management, bill information verification, risk management control and client fund background auditing can be integrated into a whole, so that intelligent risk verification is fully performed;
c. the method and the system can initiate the cash-on-cash request to a plurality of electronic cash-on-hand tickets at the same time, and when a cash-on-cash problem occurs to a single ticket, the cash-on-cash flow is normally completed to cash-out without affecting other tickets, so that customer experience is greatly improved, and business efficiency is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of a design flow of an electronic silver ticket full-flow automated intelligent air control labeling system according to an embodiment of the present invention;
FIG. 2 is a flow chart of an automatic cash registering and accepting business of an electronic cash register system with automatic intelligent air control;
FIG. 3 is a flow chart of an enhanced electronic silver ticket full flow automated intelligent wind control labeling method according to an embodiment of the present invention;
fig. 4 is a ticket information screenshot of an electronic silver ticket provided by an embodiment of the present invention.
Detailed Description
In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, apparatus, article, or device that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed or inherent to such process, method, article, or device.
The technical scheme of the invention is mainly applied to the electronic silver ticket posting business scene in the financial ticket market, and by constructing an intelligent wind control model and an automatic approval model, the client posting efficiency is effectively improved, more manual auditing flows are reduced, the posting risk is effectively prevented and controlled, and the purposes of second verification of ticket risk information and second cash release after successful posting can be achieved.
The invention establishes credit contracts and incorporates the credit contract establishment into an automatic process, a client system automatically generates corresponding cash contract according to basic bill information and trade information of the client at a bank when the client applies and applies for cash, and meanwhile, the associated bill system initiates cash application information messages until normal cash discharge. And the invention does not relate to distinguishing the normal bill posting acceptance and the special scene bill second posting processing entrance/flow, and for the bill-holding posting clients, the held bills can be posted at the same entrance, and the system intelligently judges the scene and the execution mode.
In one embodiment of the present invention, an electronic silver ticket full-process automated intelligent air control posting system is provided, as shown in fig. 1, comprising an enterprise internet banking system, a credit system, a ticket system, and an electronic commerce draft system (ECDS, electronic Commercial Draft System) built based on computer hardware, wherein,
an operation user takes the enterprise online banking system as an electronic banking ticket stock deposit portal, a first verification model of the ticket system is called through a query interface to verify the electronic banking ticket which the operation user requests to deposit, and the deposit ticket information under the verified operation user name is returned to the enterprise online banking system through a ticket picking interface;
the enterprise network banking system calls a second verification model of the credit system through a verification interface to verify the information of the negotiable instrument under the operation user name one by one, and returns a verification result to the enterprise network banking system;
judging whether the verification result passes or not, and if so, calling the bill system and the electronic business draft system to complete automatic cash-on-paste operation.
Further, if the checking result passes, the credit system performs a manual approval process, if the manual approval process passes, a contract is established and a paste application message is sent to the electronic business draft system.
The first verification model mainly verifies whether the electronic silver ticket is a valid ticket or not and whether the detail information on the ticket is accurate or not, and in one embodiment of the invention, the first verification model comprises one or more verification conditions for verifying the ticket information of the electronic silver ticket. Namely, the online bank calls the bill system through the bill picking interface to return bill information which can be posted under the hand of an operation client, and the bill system return checking conditions can comprise one or more of the following:
1.1, whether a client holds a bill, whether the bill is in a non-mortgage state or not, and whether the bill type is a silver bill;
1.2, whether the bill is a non-financial company bill;
1.3, whether the bill is a non-agency bill (bill issued by agency village bank and financial company);
1.4, checking whether the post applicant and the ticket issuing person are the same person;
1.5, whether the credit line of the contractor account opening industry is sufficient or not;
1.6, whether different user transfer records of endorsements exist or not (the self-repeated endorsement transfer of the ticket holder is not calculated).
In one embodiment of the invention, the second verification model comprises one or more verification conditions for risk verification of the operation user and/or the markable ticket information under its name. The online banking calls a credit system to return client bill risk verification results one by one through a verification interface, and the credit system return verification conditions can comprise one or more of the following:
2.1, checking that the registered place is in a province;
2.2, checking that the person on the post has no bad loan in the bank;
2.3, whether the current card interest rate is not lower than the current card interest rate;
2.4, whether the amount of the bill Zhang Piaomian is less than 500W;
2.5, whether the application amount of the paste person is sufficient;
2.6, judging whether the ticket amount is less than 15% of the annual tax declaration;
2.7, checking whether the discount amount of the discount accepting branch office is sufficient.
Further, after the posting operation of the operation user is automatically completed, the electronic business draft system feeds back a successful posting message to the enterprise internet banking system, the credit system and the bill system, so that the whole posting system synchronizes the business state.
In a preferred embodiment of the invention, the same operating user is able to initiate the posting requests for multiple electronic silver tickets at the same time. The invention is characterized in that the invention is realized by a single batch, a plurality of tickets, and the real system is processed into a plurality of batches and a plurality of tickets, thereby greatly improving the application experience of clients and reducing the problem processing complexity of production management staff.
As shown in FIG. 2, the call to the ticketing system and the electronic commerce ticketing system to complete the automated cash-out operation includes the following steps:
the bill system sends a paste application message to the electronic business draft system;
the electronic commerce draft system receives and returns an application confirmation message to the bill system;
the bill system acquires bill information of the electronic silver bill requested to be posted, and sends a posting acceptance message to the electronic commercial draft system after acquiring contract information from the credit system;
the electronic commerce draft system receives the processing message and feeds back the message of successful posting.
In one embodiment of the present invention, an electronic silver ticket full-process automated intelligent wind-control labeling method is provided, as shown in fig. 3, the labeling method comprises the following steps:
s1, receiving a paste request of the electronic silver ticket initiated by an operation user.
This step is a client initiated step: the client picks up the cash-on-demand bill in the online banking system (calls the bill system to pick up the bill inquiry result) and judges the special bill which is not allowed to be cash-on-demand (the agency bill is not allowed to initiate cash-on-demand). The client initiates the paste flow in the online banking system, and the business data is transmitted to the credit system by the online banking system through the interface.
In a preferred embodiment of the invention, the present invention is preferably capable of receiving the present requests of a plurality of electronic silver tickets initiated by an operation user at the same time, and when the present problem occurs in one ticket, other tickets can normally complete the present process to the cash deposit, thereby greatly improving the customer experience and the business efficiency.
S2, a first verification model of a bank bill system is called to verify the bill information authenticity of the electronic bank bill, if the verification is not passed, the cash registering fails, if the verification is passed, a cash registering bill under the operation user name is obtained, and the step S3 is continuously executed;
s3, invoking a second verification model of the bank credit system to carry out risk verification on the operation user and/or the information of the on-cash notes under the name of the operation user; if the verification is passed, the automatic labeling process is started, and if the verification is not passed, the manual labeling process is started.
S2 and S3 are steps of intelligent judgment and system processing: the online banking system sends credit verification, and the verification content comprises: the bill front hand concentration, the cash register of the cashier, the annual tax payment of the cashier, and the like, and the online banking system selects the cashier processing flow to enter an automatic or manual processing flow according to different results returned by different conditions. If the automatic flow is entered, a bill system is called, the cash registering business data is transmitted, the credit system automatically generates a contract, the bill system associates the contract and then sends an application message to a person, and the cash registering money is automatically completed in second after processing. If the manual flow is entered, the customer needs to perform corresponding operations (operations of uploading invoices, manually processing by a contact customer manager, and the like) according to conditions.
The automatic cash register flow strictly controls risks, the risks of the face of the cash are filtered through limiting the denomination of the cash and filtering suspected risk notes according to the current cash register business and acceptance conditions of the bank, and the true trade background of the cash holder is checked through checking the registration information of the clients and the tax share. For example, a bank registers a customer locally, holds a bill as shown in fig. 4 (because of the test case data, the date of drawing the bill and the expiration date can be set to be less than 6 months or 1 year), initiates the cash registering at the online banking client, and if the credit of the same industry of the contractor is sufficient, the customer has no bad loan and the tax payment meets the requirements, the following automatic cash registering flow can be entered to complete the cash registering. Specifically, the automatic paste flow includes:
s3.1, calling a bank bill system to send a cash-on-hand application message to the electronic business draft system;
s3.2, the electronic business draft system receives and returns an application confirmation message to the bank bill system;
s3.3, the bank bill system acquires bill information of the electronic bank bill which is requested to be posted, and sends a posting acceptance message to the electronic business draft system after acquiring contract information from the bank credit system;
s3.4, the electronic commercial draft system receives the processing message and feeds back the successful posting message to the bank bill system and the bank credit system.
Meanwhile, the notes which do not accord with the automatic labeling process in the labeling range enter a manual approval process, the manual auditing is mainly embodied in a credit system, and after auditing is passed, a contract is established, and the discount information can be continuously sent for discount. The approval rules for manual approval are shown in the following table:
in a preferred embodiment of the present invention, step S4 is further included:
s4, after bill posting is completed, if the bill posting is successful, the bill system, the credit system and the online banking system synchronize service states including bill states, contract states, audit states (only manual flow exists) and the like; if the cash register fails, the bill system, the credit system and the online banking system roll in time and synchronize the cash register failure state.
The invention can carry out full-flow processing on the electronic silver ticket stock service on the premise of intelligent risk verification, integrates credit contract management, ticket information verification, risk management control and client fund background verification, and fully and automatically integrates the working flows of original ticket holding clients and business staff offline, thereby increasing client experience, reducing the working complexity of banking staff and improving the service efficiency.
The foregoing description of the preferred embodiments of the invention is not intended to limit the invention to the precise form disclosed, and any such modifications, equivalents, and alternatives falling within the spirit and scope of the invention are intended to be included within the scope of the invention.
Claims (4)
1. An electronic silver ticket full-flow automatic intelligent wind control cash registering system is characterized by comprising an enterprise network silver system, a credit system, a bill system and an electronic business draft system which are built based on computer hardware, wherein,
an operation user takes the enterprise internet banking system as an electronic silver ticket stock deposit portal, a first verification model of the ticket system is called through a query interface to verify the electronic silver ticket stock which is requested to be deposited by the operation user, and the first verification model comprises one or more verification conditions for verifying the ticket information of the electronic silver ticket stock; the information of the on-cash notes under the checked operation user name is returned to the enterprise network banking system through a ticket attaching interface;
the enterprise internet banking system calls a second check model of the credit system through a check interface to check the markable bill information under the operation user name one by one, and returns a check result to the enterprise internet banking system, wherein the second check model comprises one or more check conditions for performing risk check on the operation user and/or the markable bill information under the operation user name;
judging whether the verification result passes or not, and if so, calling the bill system and the electronic business draft system to complete automatic cash-on-hand operation, wherein the automatic cash-on-hand operation comprises the following steps of: the bill system sends a paste application message to the electronic business draft system; the electronic commerce draft system receives and returns an application confirmation message to the bill system; the bill system acquires bill information of the electronic silver bill requested to be posted, and sends a posting acceptance message to the electronic commercial draft system after acquiring contract information from the credit system; the electronic business draft system receives the processing message and feeds back the successful message;
the same operation user can initiate the paste request of a plurality of electronic silver tickets at the same time, and when the paste problem occurs in the tickets of partial electronic silver tickets in the plurality of electronic silver tickets, the paste flow is completed by other tickets of electronic silver tickets without problems according to the flow.
2. The automated intelligent pneumatic control posting system for electronic ticketing complete process according to claim 1, wherein the determining whether the verification result passes or not, if not, the credit system performs a manual approval process, if the manual approval process passes, a contract is established and a posting application message is sent to the electronic commerce ticketing system.
3. The automated intelligent air control posting system for electronic banking tickets according to claim 1, wherein after automatically completing the posting operation for the operating user, the electronic commerce ticket system feeds back a successful posting message to the enterprise banking system, credit system, ticket system, causing the entire posting system to synchronize business status.
4. An electronic silver ticket full-flow automatic intelligent wind control cash registering method is characterized by comprising the following steps:
receiving a paste request of an electronic silver ticket initiated by an operation user;
invoking a first verification model of a bank bill system to verify the authenticity of the bill information of the electronic silver bill, wherein the first verification model comprises one or more verification conditions for verifying the bill information of the electronic silver bill; if the verification is not passed, the cash registering fails, if the verification is passed, the cash registering bill under the operation user name is obtained, and the following operation is continuously carried out;
invoking a second check model of a bank credit system to perform risk check on the operation user and/or the negotiable instrument information under the name of the operation user, wherein the second check model comprises one or more check conditions for performing risk check on the operation user and/or the negotiable instrument information under the name of the operation user;
if the verification is passed, entering an automatic cash flow, otherwise, entering a manual cash flow, wherein the automatic cash flow comprises the following flows: invoking a bank bill system to send a paste application message to an electronic business draft system; the electronic business draft system receives and returns an application confirmation message to the bank bill system; the bank bill system acquires bill information of the electronic bank bill which is requested to be posted, and sends a posting acceptance message to the electronic business draft system after acquiring contract information from the bank credit system; the electronic business draft system receives the processing message and feeds back the successful posting message to the bank bill system and the bank credit system;
the same operation user can initiate the paste request of a plurality of electronic silver tickets at the same time, and when the paste problem occurs in the tickets of partial electronic silver tickets in the plurality of electronic silver tickets, the paste flow is completed by other tickets of electronic silver tickets without problems according to the flow.
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| CN111754202B (en) * | 2020-06-29 | 2024-05-28 | 深圳前海微众银行股份有限公司 | Bill direct-pasting method, device, equipment and computer readable storage medium |
| 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 |
| CN112529686A (en) * | 2020-12-04 | 2021-03-19 | 苏州方正璞华信息技术有限公司 | Online bill cashing method, system, computer equipment and storage medium |
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