CN113159772A

CN113159772A - Resource processing method and device

Info

Publication number: CN113159772A
Application number: CN202110462964.8A
Authority: CN
Inventors: 李妍慧; 黄金秀; 李肖峰; 乔晓阳
Original assignee: Zhejiang eCommerce Bank Co Ltd
Current assignee: Zhejiang eCommerce Bank Co Ltd
Priority date: 2021-04-23
Filing date: 2021-04-23
Publication date: 2021-07-23

Abstract

The embodiment of the specification provides a resource processing method and a resource processing device, wherein the resource processing method is applied to a resource processing platform and comprises the steps of receiving resource processing information sent by a resource acquirer and a resource certificate corresponding to the resource processing information; under the condition that the resource processing information and the resource certificate corresponding to the resource processing information are confirmed to pass the verification, generating resource information to be processed based on the resource processing information and the resource certificate, and sending the resource information to be processed to a resource sender; and receiving the target resource determined by the resource sender based on the information of the resource to be processed, and processing the resource processing information based on the target resource.

Description

Resource processing method and device

Technical Field

The embodiment of the specification relates to the technical field of computers, in particular to a resource processing method. One or more embodiments of the present specification also relate to a resource processing apparatus, a resource processing system, a computing device, and a computer-readable storage medium.

Background

The traditional foreign currency remittance transaction is generally that an upstream platform sends documents such as value-added tax invoices and bill particulars to a downstream enterprise based on receivable account information, the downstream enterprise submits a foreign currency remittance transaction application in a form of bank enterprise online banking, bank enterprise direct connection or counter filling, a payment instruction is in an acceptance state at the moment, but the issuing processing is not performed, the downstream enterprise needs to submit a paper document to a specified bank counter within specified time of a bank organization, input international receipt and payment declaration information and can perform transaction processing after being audited by counter personnel. In this way, downstream enterprises must arrange special personnel to go to the counter of a designated bank for transaction processing, and banks must also arrange the special personnel for counter auditing, which greatly increases the labor cost of the enterprises and banks, and the time for manual submission and auditing is uncontrollable, which may cause the time for the whole transaction to become very long.

Disclosure of Invention

In view of this, the present specification provides a resource processing method. One or more embodiments of the present specification also relate to a resource processing apparatus, a resource processing system, a computing device, and a computer-readable storage medium to address technical deficiencies in the prior art.

According to a first aspect of the embodiments of the present specification, there is provided a resource processing method applied to a resource processing platform, including:

receiving resource processing information sent by a resource acquirer and a resource certificate corresponding to the resource processing information;

under the condition that the resource processing information and the resource certificate corresponding to the resource processing information are confirmed to pass the verification, generating resource information to be processed based on the resource processing information and the resource certificate, and sending the resource information to be processed to a resource sender;

and receiving the target resource determined by the resource sender based on the information of the resource to be processed, and processing the resource processing information based on the target resource.

According to a second aspect of embodiments herein, there is provided a resource processing apparatus including:

the receiving module is configured to receive resource processing information sent by a resource acquirer and a resource certificate corresponding to the resource processing information;

the information generation module is configured to generate resource information to be processed based on the resource processing information and the resource certificate and send the resource information to be processed to a resource sender under the condition that the resource processing information and the resource certificate corresponding to the resource processing information are determined to pass the verification;

and the processing module is configured to receive the target resource determined by the resource sender based on the information of the resource to be processed, and process the resource processing information based on the target resource.

According to a third aspect of the embodiments of the present specification, there is provided a resource processing system, including a resource acquirer, a resource processing platform, and a resource sender, wherein,

the resource acquirer is configured to generate resource processing information and a resource certificate corresponding to the resource processing information based on a preset trigger condition, and send the resource processing information and the resource certificate corresponding to the resource processing information to the resource processing platform;

the resource processing platform is configured to receive resource processing information sent by the resource acquirer and a resource certificate corresponding to the resource processing information, generate resource information to be processed based on the resource processing information and the resource certificate and send the resource information to be processed to the resource sender under the condition that the resource processing information and the resource certificate corresponding to the resource processing information are confirmed to pass verification;

the resource sender is configured to receive to-be-processed resource information sent by the resource processing platform, determine a corresponding target resource based on the to-be-processed resource information, and send the target resource to the resource processing platform;

the resource processing platform is further configured to receive a target resource determined by the resource sender based on the information of the resource to be processed, and process the resource processing information based on the target resource.

According to a fourth aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory is used for storing computer-executable instructions, and the processor is used for executing the computer-executable instructions, and the computer-executable instructions realize the steps of the resource processing method when being executed by the processor.

According to a fifth aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the resource processing method described above.

An embodiment of the present specification implements a resource processing method and an apparatus, where the resource processing method is applied to a resource processing platform, and includes receiving resource processing information sent by a resource acquirer and a resource credential corresponding to the resource processing information; under the condition that the resource processing information and the resource certificate corresponding to the resource processing information are confirmed to pass the verification, generating resource information to be processed based on the resource processing information and the resource certificate, and sending the resource information to be processed to a resource sender; and receiving the target resource determined by the resource sender based on the information of the resource to be processed, and processing the resource processing information based on the target resource. Specifically, in the method, after receiving the resource processing information and the resource voucher sent by the resource acquirer (namely, an upstream enterprise), the resource processing platform can perform authenticity verification on the resource processing information and the resource voucher, generate to-be-processed resource information of the resource sender (namely, a downstream enterprise) based on the resource processing information and the resource voucher, and actively push the to-be-processed resource information to the resource sender, the resource sender can directly perform resource payment based on the to-be-processed resource information, steps such as counter document submission and document auditing are omitted, the labor cost of banks and enterprises is saved, the collection efficiency of the resource acquirer can be greatly improved, and the resource processing time is saved.

Drawings

FIG. 1 is a block diagram of a resource processing system according to an embodiment of the present disclosure;

FIG. 2 is a flow diagram of a resource processing method provided by an embodiment of the present specification;

fig. 3 is an interactive flowchart of processing procedures of a resource processing method at a resource acquirer, a resource processing platform, and a resource sender according to an embodiment of the present specification;

fig. 4 is a schematic structural diagram of a resource processing apparatus according to an embodiment of the present specification;

fig. 5 is a block diagram of a computing device according to an embodiment of the present disclosure.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

First, the noun terms to which one or more embodiments of the present specification relate are explained.

Receivables: the term refers to the money that the enterprise should collect from the purchasing unit in the normal operation process due to the items such as selling goods, products, providing labor and the like, and includes tax due to the purchasing unit or the receiving labor unit, and various transportation and miscellaneous fees for the packing fee paid by the purchasing unit. In addition, in the case of a sales discount, factors such as a commercial discount and a cash discount should be considered.

The foreign exchange transaction list to be paid: the system refers to a foreign exchange transaction application which is edited by an enterprise client, is in a temporary storage state and is not submitted to a foreign exchange transaction module for processing.

In the traditional foreign currency remittance transaction, an upstream enterprise generally sends documents such as value-added tax invoice, bill particulars and the like for a downstream enterprise which is payable based on receivable account information, the downstream enterprise submits a foreign currency remittance transaction application in a bank enterprise online bank, bank-enterprise direct connection or counter filling form, a payment instruction is in an acceptance state at the moment, but the issuing processing is not performed, the downstream enterprise submits a paper document to a specified bank counter within specified time of a bank institution, and after international receipt and declaration information is input and is audited by counter personnel, the foreign currency remittance transaction can be processed. According to the regulations of relevant supervision departments such as the national foreign exchange administration and the like, the international reimbursement declaration of the foreign exchange transaction needs to be completed within a specified time range, and the international reimbursement declaration information and the transaction information are audited together in the traditional mode, so that the timeliness and the accuracy of the declaration are guaranteed. Based on the requirement, even if the client submits the payment application in an online mode, the client needs to submit the paper document offline and then can be audited through a counter. The method has the natural defects in the instantaneity of foreign currency remittance, particularly in the epidemic situation, the method cannot go to the counter to complete document submission, the document submission needs to be carried out in other modes such as mailing and the like, and the authenticity verification time of the foreign currency remittance transaction is long and uncontrollable.

Based on this, in this specification, a resource processing method is provided. One or more embodiments of the present specification relate to a resource processing apparatus, a resource processing system, a computing device, and a computer-readable storage medium, which are described in detail in the following embodiments one by one.

Referring to fig. 1, fig. 1 shows a schematic structural diagram of a resource processing system according to an embodiment of the present specification, which includes a resource acquirer 102, a resource processing platform 104, and a resource sender 106, wherein,

the resource acquirer 102 is configured to generate resource processing information and a resource credential corresponding to the resource processing information based on a preset trigger condition, and send the resource processing information and the resource credential corresponding to the resource processing information to the resource processing platform 104;

the resource processing platform 104 is configured to receive resource processing information and a resource credential corresponding to the resource processing information, which are sent by the resource acquirer 102, generate to-be-processed resource information based on the resource processing information and the resource credential and send the to-be-processed resource information to the resource sender 106 when it is determined that the resource processing information and the resource credential corresponding to the resource processing information are verified;

the resource sender 106 is configured to receive the information of the resource to be processed sent by the resource processing platform 104, determine a corresponding target resource based on the information of the resource to be processed, and send the target resource to the resource processing platform 104;

the resource processing platform 104 is further configured to receive a target resource determined by the resource sender 106 based on the to-be-processed resource information, and process the resource processing information based on the target resource.

In practical application, the resource processing system can be applied to a foreign currency remittance transaction scene, document verification, document issuing and document processing are carried out through the resource processing platform 104, the steps of manual operation in the prior art are all processed on line, the labor cost of enterprises is saved, and the collection and payment efficiency between a receiver and a payer in the foreign currency remittance transaction scene is greatly improved.

Under the condition that the resource processing system is applied to the foreign currency remittance transaction scene, the resource acquirer can be understood as the upstream enterprise, namely the payee; the resource sender may be understood as the above-mentioned downstream enterprise, i.e. the payer; the resource processing platform may be understood as a bank.

In specific implementation, the resource acquirer 102 generates resource processing information of each target object and a resource credential corresponding to the resource processing information based on a preset trigger condition, and sends the resource processing information and the resource credential corresponding to the resource processing information to the resource processing platform 104. The preset processing condition may be set according to an actual application, for example, the preset processing condition may be a time interval, that is, the resource processing information of the target object is generated every 2 months or 3 months. The resource processing information can be understood as accounts receivable, and the resource voucher can be understood as an electronic invoice corresponding to the accounts receivable.

After receiving the resource processing information and the resource credential corresponding to the resource processing information sent by the resource acquirer 102, the resource processing platform 104 verifies the received resource processing information and the resource credential corresponding to the resource processing information, generates resource information to be processed based on the resource processing information and the resource credential corresponding to the resource processing information when the verification passes, and sends the resource information to be processed to the resource sender 106. Wherein, the resource information to be processed can be understood as a foreign exchange transaction list to be paid.

After receiving the to-be-processed resource information sent by the resource processing platform 104, the resource sender 106 determines a corresponding target resource based on the to-be-processed resource information, and sends the target resource to the resource processing platform 106. Wherein the target resource may be understood as a payment amount.

After receiving the target resource sent by the resource sender 106, the resource processing platform 104 processes the resource processing information based on the target resource.

In the embodiment of the description, in order to solve the problem of foreign currency payment of a downstream enterprise of a platform-type merchant and optimize the convenience of foreign currency payment of a small enterprise in consideration of the knowledge barrier of foreign currency payment, the resource processing platform 104 automatically generates order information to be paid and declaration document information of the downstream enterprise from receivable bill information and corresponding document information generated by an upstream enterprise (namely, the resource acquirer 102), and actively pushes the order information to be paid and declaration document information to the downstream enterprise (namely, the resource issuer 106) through the internet banking and bank enterprise of the enterprise directly, so that the downstream enterprise can realize one-key payment due payment, steps such as document submission and the like are omitted, the labor cost of the enterprise is saved, and the collection efficiency of the upstream enterprise is improved.

In addition, in order to ensure the accuracy of the resource processing information, before sending the resource processing platform 104, the resource acquirer 102 sends the generated resource processing information to the target object for accuracy confirmation, which is specifically implemented as follows:

the resource acquirer 102, further configured to:

the method comprises the steps of generating resource processing information based on a preset trigger condition, sending the resource processing information to a corresponding target object, and generating a resource certificate corresponding to the resource processing information under the condition that a confirmation instruction of the target object for the resource processing information is received.

For a detailed description of the preset trigger condition, reference may be made to the above embodiments, which are not described herein again.

In the case where the resource processing system is applied in a foreign currency remittance transaction scenario, the target object may be understood as a merchant of the resource acquirer 102, i.e., the target object may be understood as one of the merchants of the upstream platform if the resource acquirer 102 is considered as the upstream platform.

In practical application, the resource processing information is generated based on the preset trigger condition, which can be understood as that the resource processing information of the target object is generated based on the preset trigger condition; and then sending the resource processing information to the corresponding target object, so that the target object can confirm the items in the resource processing information based on the condition of the target object. The resource acquirer 102 generates a resource credential corresponding to the resource processing information upon receiving a confirmation instruction of the target object for the resource processing information.

In the above example, the upstream enterprise generates the account receivable information of a certain merchant, and then sends the account receivable information to the merchant, and the upstream enterprise generates the corresponding account receivable information based on the account receivable information under the condition that the confirmation instruction of the merchant for the account receivable information is received, so as to ensure the accuracy of the account receivable information sent to the resource processing platform 104, and avoid errors of the account receivable information, which causes errors and reopening of the electronic invoice, and waste of resources.

In another embodiment of this specification, the resource sender 106 is further configured to:

receiving the information of the resource to be processed sent by the resource processing platform 104, verifying the information of the resource to be processed, and determining the corresponding target resource based on the information of the resource to be processed when the verification is passed.

In specific implementation, after receiving the to-be-processed resource information sent by the resource processing platform 104, the resource sender 106 acquires the attribute information (for example, a payee name, an account, an address, and the like) and the resource information (for example, an amount to be paid, a currency, and the like) of the resource receiver 102 from the to-be-processed resource information, verifies the attribute information and the resource information of the resource receiver 102 based on an actual to-be-paid situation, and determines a corresponding target resource based on the to-be-processed resource information when the verification passes, so as to determine the accuracy and the security of the target resource.

Referring to fig. 2, fig. 2 shows a flowchart of a resource processing method provided in an embodiment of the present specification, where the resource processing method is applied to a resource processing platform, and specifically includes the following steps.

Step 202: and receiving resource processing information sent by a resource acquirer and a resource certificate corresponding to the resource processing information.

For details, reference may be made to the embodiments of the resource processing system for a detailed description of the resource processing platform, the resource acquirer, and the resource sender, which are not described herein again.

Taking the resource processing information as the bill receivable information, and the resource voucher as an invoice image formed by photographing an electronic invoice or a paper invoice as an example, the resource processing information sent by the resource acquirer and the resource voucher corresponding to the resource processing information are received, and it can be understood that the resource processing platform receives the bill receivable information sent by the resource acquirer and the invoice corresponding to the bill receivable information.

In practical application, if a resource acquirer and a resource sender want to perform resource processing through a resource processing platform, both the resource acquirer and the resource sender need to establish an association relationship with the resource processing platform, that is, both the resource acquirer and the resource sender need to register on the resource processing platform, and the specific implementation manner is as follows:

before receiving the resource processing information sent by the resource acquirer and the resource credential corresponding to the resource processing information, the method further includes:

receiving a registration request carrying attribute information of a resource acquirer, registering the resource acquirer based on the attribute information of the resource acquirer, and allocating a corresponding resource account for the resource acquirer; and

receiving a registration request carrying attribute information of a resource sender, registering the resource sender based on the attribute information of the resource sender, and allocating a corresponding resource account for the resource sender.

The attribute information of the resource acquirer includes but is not limited to the name, mobile phone number, certificate number, address and the like of the resource acquirer; the attribute information of the resource sender includes, but is not limited to, the name, cell phone number, certificate number, address, etc. of the resource sender.

In practical application, both the resource acquirer and the resource sender need to be registered on the resource processing platform, and the resource processing platform allocates corresponding resource accounts to the resource acquirer and the resource sender respectively.

In specific implementation, the resource processing platform may establish resource accounts for a plurality of resource acquirers and resource senders, and in order to save a storage space of the resource processing platform and improve processing efficiency of the resource processing platform, the resource processing platform may send resource accounts of all the resource acquirers and the resource senders to the account block chain for management, for example, an association relationship between a resource account of a resource acquirer and a resource account of a resource sender is established on the account block chain, and the resource accounts of the resource acquirer or the resource sender may be deleted, added, or modified.

Specifically, after allocating the corresponding resource account to the resource sender, the method further includes:

and establishing an incidence relation between the resource account of the resource acquirer and the resource account of the resource sender.

In practical application, each resource acquirer corresponds to a plurality of resource senders, and a corresponding account name list library, namely an enterprise name list library, is established for the resource account of each resource acquirer on an account block chain based on the nearest block chain node. And then storing the resource account of each resource sending party corresponding to the resource account of the resource acquiring party into the account name list library so as to establish the association relationship between the resource account of the resource acquiring party and the resource account of the resource sending party, so that the association relationship between the resource account of each resource acquiring party and the resource account of the resource sending party can be quickly found out from the nearest block chain node in the follow-up process.

In specific implementation, after the resource acquirer and the resource sender are both registered on the resource processing platform and respectively acquire the corresponding resource accounts, the resource processing platform receives the resource processing information sent by the resource acquirer and the resource credentials corresponding to the resource processing information, and then can perform subsequent actual processing.

Step 204: and under the condition that the resource processing information and the resource certificate corresponding to the resource processing information are confirmed to pass the verification, generating resource information to be processed based on the resource processing information and the resource certificate, and sending the resource information to be processed to a resource sender.

Specifically, after receiving the resource processing information sent by the resource acquirer and the resource credential corresponding to the resource processing information, the resource processing platform needs to verify the resource processing information and the resource credential corresponding to the resource processing information to ensure the authenticity and security of the resource processing information and the resource credential corresponding to the resource processing information, and the specific implementation manner is as follows:

the generating resource information to be processed based on the resource processing information and the resource credential when it is determined that the resource processing information and the resource credential corresponding to the resource processing information pass the verification includes:

acquiring attribute information of a resource acquirer in the resource processing information under the condition that the resource acquirer in the resource processing information and the resource sender both have corresponding resource accounts and the resource account of the resource acquirer in the resource processing information and the resource account of the resource sender have an incidence relation;

judging whether the attribute information of the resource acquirer in the resource processing information is the same as the attribute information of the resource acquirer at the time of registration,

if yes, judging whether the resource processing information is matched with the resource certificate or not,

and if so, determining to generate the resource information to be processed based on the resource processing information and the resource certificate.

In practical application, a resource acquirer and a resource sender are first acquired from resource processing information, and then attribute information of the resource acquirer in the resource processing information is acquired under the condition that it is determined that the resource acquirer and the resource sender both have corresponding resource accounts on a resource processing platform and that an association relationship exists between the resource account of the resource acquirer and the resource account of the resource sender in the resource processing information. The attribute information of the resource acquirer includes, but is not limited to, a name of the resource acquirer, a type of an enterprise of the resource acquirer when the resource acquirer is registered in the resource processing platform, and the like.

Specifically, the resource processing platform determines whether a resource account of the resource acquirer in the resource processing information has an association relationship with a resource account of the resource sender, which may be understood as that the resource processing platform acquires an account name list library of the resource acquirer from a nearest account block link point, and then matches the resource account of the resource sender with an account in the account name list library of the resource acquirer to determine the association relationship between the resource account of the resource acquirer in the resource processing information and the resource account of the resource sender.

After acquiring the attribute information of the resource acquirer in the resource processing information, matching the attribute information of the resource acquirer in the resource processing information with the attribute information of the resource acquirer during registration, if so, continuously judging whether the resource processing information is matched with the resource certificate, and if so, determining to generate to-be-processed resource information based on the resource processing information and the resource certificate.

Taking the attribute information of the resource acquirer as the enterprise type of the resource acquirer as an example, if the attribute information of the resource acquirer in the resource processing information is the trade type and the attribute information of the resource acquirer filled in during registration is the service type, it may be determined that the attribute information of the resource acquirer in the resource processing information is different from the attribute information of the resource acquirer during registration.

In the embodiment of the present specification, in order to ensure the accuracy and the security of the finally generated to-be-processed resource information, the resource processing platform may perform verification on the information of the resource acquirer and the resource sender in the resource processing information by using the multi-dimensional verification method.

Further, the determining whether the resource processing information matches the resource credential includes:

acquiring attribute information of a resource acquirer and a resource sender in the resource processing information;

acquiring attribute information of a resource acquirer and a resource sender in the resource voucher through optical character recognition;

and judging whether the attribute information of the resource acquirer and the resource sender in the resource processing information is matched with the attribute information of the resource acquirer and the resource sender in the resource voucher.

In practical applications, the resource credential is generated based on the resource processing information, and if the resource processing information does not match the resource credential, it may be determined that the resource processing information or the resource credential is incorrect, and at this time, the subsequent processing cannot be performed.

Specifically, first, attribute information of the resource acquirer and the resource sender in the resource processing information is acquired, for example, names of the resource acquirer and the resource sender, a resource account, a resource to be paid, and the like in the resource processing information.

And then, acquiring attribute information of the resource acquirer and the resource sender in the resource voucher through optical character recognition, such as names of the resource acquirer and the resource sender in the resource voucher, a resource account, the resource to be paid and the like.

And finally, matching the names of the resource acquirer and the resource sender, the resource account and the resource to be paid in the resource processing information with the names of the resource acquirer and the resource sender, the resource account and the resource to be paid in the resource voucher, wherein if the matching is passed, the resource processing information corresponds to the resource voucher, and the accuracy of generating the resource information to be processed based on the resource processing information and the resource voucher is higher. In addition, in order to guarantee the authenticity of the resource voucher, the authenticity of the resource voucher is verified by accessing a third party verification platform.

Moreover, in order to further ensure that the resource acquirer and the resource sender can safely perform the payment and receipt operation, the availability of the resource accounts of the resource acquirer and the resource sender needs to be verified, that is, when it is to be ensured that the resource accounts of the resource acquirer and the resource sender are both in a normal state, the successful payment and receipt of the resource accounts of the resource acquirer and the resource sender can be ensured, secondary payment and collection are not needed, and resource waste is avoided, and the specific implementation manner is as follows:

after determining that the resource acquirer in the resource processing information and the resource sender have the corresponding resource account, the method further includes:

and determining that the resource account of the resource acquirer and the resource account of the resource sender are both in an available state.

The available state can be understood as a state in which collection and payment can be normally performed.

Step 206: and receiving the target resource determined by the resource sender based on the information of the resource to be processed, and processing the resource processing information based on the target resource.

The target resource can be understood as an actual resource value of the resource acquirer to be paid, which is determined by the resource sender based on the information of the resource to be processed.

In practical application, the resource processing platform processes the resource processing information based on the target resource under the condition of receiving the target resource determined by the resource sender based on the resource information to be processed, namely, transfers accounts for the resource acquirer based on the resource processing information.

In order to ensure that the resource acquirer and the resource sender can eliminate bills in time and send processing results to the resource acquirer and the resource sender, the specific implementation manner is as follows:

after the processing the resource processing information based on the target resource, the method further includes:

and sending the processing result to the resource acquirer and the resource sender.

In practical application, the processing result can be understood as a message prompt for successful transfer and the like.

In the embodiment of the specification, after receiving the resource processing information and the resource voucher sent by the resource acquirer (i.e., an upstream enterprise), the resource processing platform in the method can check the authenticity of the resource processing information and the resource voucher, generate the to-be-processed resource information of the resource sender (i.e., a downstream enterprise) based on the resource processing information and the resource voucher, and actively push the to-be-processed resource information to the resource sender, and the resource sender can directly pay resources based on the to-be-processed resource information, so that the steps of counter submission of documents, document auditing and the like are omitted, the labor cost of banks and enterprises is saved, the collection efficiency of the resource acquirer can be greatly improved, and the resource processing time is saved.

The following describes the resource processing method further by taking the resource acquirer, the resource processing platform, and the resource sender as examples, which are provided in this specification, with reference to fig. 3. Fig. 3 shows a processing procedure interaction flowchart of a resource processing method provided in an embodiment of the present specification in a resource acquirer, a resource processing platform, and a resource sender, which includes the following specific steps.

Step 302: and the resource acquirer generates accounts receivable according to the account period.

Step 304: and carrying out customer account checking on the resource acquirer.

Specifically, the customer reconciliation may be understood as that the resource acquirer sends the generated accounts receivable to the corresponding merchant, and the merchant confirms the items, the amount, and the like of the accounts receivable.

Step 306: the resource acquirer issues an electronic invoice.

Specifically, the receivable can be understood as the resource processing information of the above embodiment, and the electronic invoice can be understood as the resource certificate of the above embodiment.

Step 308: and the resource acquirer sends the receivable accounts and the corresponding electronic invoices to the resource processing platform.

Step 310: the resource processing platform determines whether the client information is successfully verified, if yes, step 314 is executed, and if not, step 312 is executed.

Specifically, the resource processing platform determines whether the customer information is successfully verified, which may be understood as that the resource processing platform determines whether a resource acquirer in the receivable account and a resource sender are registered in the resource processing platform, and whether a registered resource account is in a normal state, and whether the resource account of the resource sender is in an account name list library of the resource acquirer.

For example, the resource processing platform calls a client domain enterprise information query interface to check whether a license of a payable enterprise (i.e., a resource sender) exists, whether the states of accounts opened by the resource acquirer and the resource sender on the resource processing platform are normal, whether the resource sender conforms to a downstream enterprise list library of the resource acquirer, and the like.

Step 312: and the resource processing platform sends a verification result to the resource acquirer, namely the verification fails, and the resource acquirer is out of the acceptance range.

Specifically, if the check fails, it may be determined that the resource sender is no longer within the acceptance range, and the resource processing flow is ended.

Step 314: the resource processing platform determines whether the accounts receivable and the electronic invoice pass the verification, if yes, step 318 is executed, and if not, step 316 is executed.

Specifically, the resource processing platform judges whether the accounts receivable and the electronic invoice pass the verification, and can be understood as that the resource processing platform determines whether the attribute information of the resource acquirer and the resource sender in the accounts receivable matches with the attribute information of the resource acquirer and the resource sender registered in the resource processing platform; and whether the attribute information of the resource acquirer and the resource sender in the receivable accounts is matched with the attribute information of the resource acquirer and the resource sender in the electronic invoice or not and the like.

Step 316: and the resource processing platform sends a verification result to the resource acquirer, namely the verification fails and the transaction instruction/document information is not matched.

Step 318: and the resource processing platform generates a foreign exchange transaction sheet to be paid and sends the foreign exchange transaction sheet to be paid to a resource sender.

Step 320: the resource sender receives the to-be-paid foreign exchange transaction list and judges whether the to-be-paid foreign exchange transaction list passes the verification, if so, step 324 is executed, and if not, step 322 is executed.

Specifically, the resource sender determines whether the foreign exchange transaction slip to be paid passes the verification, which can be understood as that the resource sender determines whether the foreign exchange transaction slip to be paid has been paid before.

Step 322: and the resource sender confirms that the foreign exchange transaction sheet to be paid is paid in other modes, and then displays the offline completion/failure message.

Step 324: the resource sender returns remittance determined based on the payment foreign exchange transaction order to the resource processing platform.

Step 326: the resource processing platform receives the remittance application based on the remittance returned by the resource sender and determines the remittance application receiving result.

Step 328: and the resource processing platform returns the remittance application acceptance result to the resource acquirer.

Step 330: and the resource processing platform simultaneously returns the remittance application acceptance result to the resource sender.

Step 332: the resource processing platform marks the transaction result for the receipt based on the remittance application acceptance result.

Step 334: and the resource acquirer automatically checks and sells accounts to be received sent to the resource processing platform under the condition that the resource acquirer receives the remittance application acceptance result sent by the resource processing platform.

In practical application, the interaction flow of the resource processing method is described in detail by taking the resource acquiring party as an upstream platform enterprise, the resource processing platform as a bank and the resource sending party as a downstream enterprise as examples.

The method comprises the steps that firstly, an upstream platform enterprise generates accounts receivable and completes account checking with a downstream enterprise every month, the upstream platform enterprise generates an electronic invoice for the downstream enterprise based on account checking conditions, bills such as account receivable information and the electronic invoice are synchronized to a bank through a bank-enterprise direct connection or an API (application program interface), the bank receives the account receivable information transmitted by the upstream platform enterprise and matches the received information with the simultaneously submitted bill information such as the electronic invoice, and after verification steps such as field verification and invoice verification are completed, corresponding account receivable information of the downstream enterprise is generated according to the account receivable information, namely, a foreign exchange transaction list to be paid is generated. When a downstream enterprise logs in a port of an enterprise internet bank and the like, the downstream enterprise is informed of the existence of an unfinished foreign exchange transaction list to be paid through the forms of mails, popup prompts, tasks to be handled and the like. The downstream enterprise jumps to a foreign exchange transaction sheet to be paid to view page by clicking a reminding link of a task to be handled and the like, element information of the page is only used for viewing and cannot be modified, if the downstream enterprise autonomously confirms that payment needs to be continued, a payment mode is selected on the page and then an instruction is submitted. The payment due to the payment of the downstream enterprise is changed or the amount of money and declaration information and other contents of the payment are not recognized when the downstream enterprise pays offline, offline completion or error information feedback can be selected, and the bank can complete the task to be handled according to the feedback of the downstream enterprise and does not remind repeatedly.

Wherein, account receivable information is synchronous: through the real-time interface form, should receive the sum of the information of the money and electronic invoice bill and give the bank synchronously; and the bank will perform customer information verification: calling a client domain enterprise information query interface, and querying whether the certificate of the enterprise to be paid exists, whether the account state established in a bank is normal, whether the certificate accords with a downstream enterprise name list library of the enterprise to be paid, and the like; checking accounts of the accounts payable enterprises: whether the pre-check accounts meet the entry condition or not, for example, whether the collection account is an enterprise account, a same currency account or a RMB account is available; document checking: and identifying a paper invoice or reading PDF version electronic invoice information through OCR. Verifying through a value-added tax invoice verification interface; generating a foreign exchange transaction sheet to be paid: the payment information, the fixed declaration information, the upstream enterprise collection account information and the invoice receipt information transmitted by the upstream receivable platform enterprise generate the content of the domestic remittance application and the international receipt and payment declaration content.

In the embodiment of the specification, the resource processing platform is in butt joint with an upstream platform enterprise and a downstream enterprise, and documents such as remittance information and electronic invoices are taken before the downstream enterprise pays, so that pre-auditing is performed, the downstream payment enterprise only needs to confirm payment information on line, and filing of application books and paper documents on counter is avoided. Not only can greatly shorten the time for a client to transact projects, but also can save the auditing manpower of a bank operation department. From the aspect of the general acceptance of remittance, the traditional counter remittance needs filling, examination, approval, sending and declaration in the hour level, occupies counter personnel of a bank and 2 auditing personnel of the international settlement department of general branch, and the embodiment of the specification has the advantages that the remittance application is passed for one second after the pre-collection of information and the pre-verification, and no manual intervention is needed. The resource processing method provides synchronous interfaces of account receivable information and receipt information of the platform enterprise; the resource processing platform can complete the matching of the client information, and prevent the condition that the client cannot be reached or the pushing error is caused; the method has the bill authenticity verification capability and performs cross verification by combining remittance transaction field information; and the receivable account information transmitted by the resource processing platform can be used for automatically generating the foreign exchange transaction list to be paid of the downstream enterprise, so that the user experience is greatly improved.

Corresponding to the above method embodiment, this specification further provides a resource processing apparatus embodiment, and fig. 4 shows a schematic structural diagram of a resource processing apparatus provided in an embodiment of this specification. As shown in fig. 4, the apparatus includes:

a receiving module 402 configured to receive resource processing information and a resource credential corresponding to the resource processing information, which are sent by a resource acquirer;

an information generating module 404, configured to, in a case that it is determined that the resource processing information and the resource credential corresponding to the resource processing information pass the verification, generate to-be-processed resource information based on the resource processing information and the resource credential, and send the to-be-processed resource information to a resource sender;

a processing module 406, configured to receive a target resource determined by the resource sender based on the to-be-processed resource information, and process the resource processing information based on the target resource.

Optionally, the apparatus further comprises:

a registration module configured to:

Optionally, the apparatus further comprises:

and the relationship establishing module is configured to establish an incidence relationship between the resource account of the resource acquirer and the resource account of the resource sender.

Optionally, the information generating module 404 is further configured to:

Optionally, the apparatus further comprises:

and the state determining module is configured to determine that the resource account of the resource acquirer and the resource account of the resource sender are both available.

Optionally, the apparatus further comprises:

and the result sending module is configured to send the processing result to the resource acquirer and the resource sender.

In the embodiment of the present specification, after receiving resource processing information and a resource credential sent by a resource acquirer (i.e., an upstream enterprise), a resource processing platform in the apparatus may perform authenticity check on the resource processing information and the resource credential, generate to-be-processed resource information of a resource sender (i.e., a downstream enterprise) based on the resource processing information and the resource credential, and actively push the to-be-processed resource information to the resource sender, where the resource sender may directly perform resource payment based on the to-be-processed resource information, and thus steps such as counter submission of a receipt and receipt auditing are omitted, manpower costs of banks and enterprises are saved, collection efficiency of the resource acquirer can be greatly improved, and resource processing time is saved.

The above is a schematic scheme of a resource processing apparatus of this embodiment. It should be noted that the technical solution of the resource processing apparatus and the technical solution of the resource processing method belong to the same concept, and details that are not described in detail in the technical solution of the resource processing apparatus can be referred to the description of the technical solution of the resource processing method.

FIG. 5 illustrates a block diagram of a computing device 500 provided in accordance with one embodiment of the present description. The components of the computing device 500 include, but are not limited to, a memory 510 and a processor 520. Processor 520 is coupled to memory 510 via bus 530, and database 550 is used to store data.

Computing device 500 also includes access device 540, access device 540 enabling computing device 500 to communicate via one or more networks 560. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 540 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 500, as well as other components not shown in FIG. 5, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 5 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 500 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 500 may also be a mobile or stationary server.

Wherein the processor 520 is configured to execute computer-executable instructions that, when executed by the processor, implement the steps of the resource processing method described above.

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the resource processing method belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the resource processing method.

An embodiment of the present specification further provides a computer-readable storage medium storing computer-executable instructions, which when executed by a processor implement the steps of the resource processing method.

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium belongs to the same concept as the technical solution of the resource processing method, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the resource processing method.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of acts, but those skilled in the art should understand that the present embodiment is not limited by the described acts, because some steps may be performed in other sequences or simultaneously according to the present embodiment. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for an embodiment of the specification.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are intended only to aid in the description of the specification. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the embodiments. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A resource processing method is applied to a resource processing platform and comprises the following steps:

2. The resource processing method according to claim 1, wherein before receiving the resource processing information and the resource credential corresponding to the resource processing information sent by the resource acquirer, the method further comprises:

3. The resource processing method according to claim 2, further comprising, after allocating the corresponding resource account to the resource sender:

4. The resource processing method according to claim 3, wherein the generating to-be-processed resource information based on the resource processing information and the resource credential if it is determined that the resource processing information and the resource credential corresponding to the resource processing information check, includes:

5. The resource processing method of claim 4, wherein the determining whether the resource processing information matches the resource credential comprises:

6. The resource processing method according to claim 4, after determining that the resource acquirer in the resource processing information and the resource sender have the corresponding resource account, further comprising:

7. The resource processing method according to any one of claims 1 to 6, further comprising, after processing the resource processing information based on the target resource:

8. A resource processing system comprises a resource acquirer, a resource processing platform and a resource sender, wherein,

9. The resource handling system of claim 8, the resource acquirer, further configured to:

10. The resource processing system of claim 8, the resource sender further configured to:

and receiving the information of the resources to be processed sent by the resource processing platform, verifying the information of the resources to be processed, and determining corresponding target resources based on the information of the resources to be processed under the condition that the verification is passed.

11. A resource processing apparatus comprising:

12. A computing device, comprising:

a memory and a processor;

the memory is configured to store computer-executable instructions and the processor is configured to execute the computer-executable instructions, which when executed by the processor, perform the steps of the resource handling method of any one of claims 1 to 7.

13. A computer-readable storage medium storing computer-executable instructions which, when executed by a processor, perform the steps of the resource handling method of any one of claims 1 to 7.