CN104715412A - Method and device for automatic bill allocation - Google Patents
Method and device for automatic bill allocation Download PDFInfo
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- CN104715412A CN104715412A CN201310698512.5A CN201310698512A CN104715412A CN 104715412 A CN104715412 A CN 104715412A CN 201310698512 A CN201310698512 A CN 201310698512A CN 104715412 A CN104715412 A CN 104715412A
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Abstract
The invention provides a method for automatic bill allocation. The method comprises the steps that bill information and task information to be settled this time are acquired from a management information system, wherein the bill information comprises bill denominations, stated interest rates, due dates, issue dates, accepting banks, custodian banks, bill holding units and geographical location information of the bill holding units, and the task information to be settled this time is contract and transaction unit information related to one or more settlement matters to be settled this time; the bill allocation processing course is started, a mathematical model is established, and mathematical model parameters are loaded; the optimal combination is obtained based on a planning algorithm, so that automatic bill allocation operation is completed. Correspondingly, the invention further provides a device for automatic bill allocation. Accordingly, the problems that in the prior art, automatic bill allocation cannot be performed, so operation is complex, and efficiency is low are solved, and operation efficiency is improved.
Description
Technical field
The present invention relates to finance and finance informationalizing field, particularly relate to a kind of method and device of automatically joining ticket.
Background technology
In economic activity, often can there is set splitting of values the situation of the combination being multiple amount of money.As: when paying certain amount of money in cash, need the cash quantity selecting different denomination; For striving for that the completely certain amount of money in market beats the preferential of different discount, the more than one piece commodity of purchase being split as different batches and settling accounts.
, Consideration smaller at the alternative amount of money is single.The combination of this amount of money be easy to current fixed.As: during cash payment, the denomination of alternative cash is set, and the rule of selection is also clear and definite---the amount of money of needs is combined into few cash number of trying one's best.And for example: when striving for sales discount, alternative project is the price of different commodity, although different, but combination is with clearly defined objective: total value reaches preferential standard, do not exceed too much as far as possible, to piece together out the bill more meeting preferential terms, the total charge of final grouping of commodities and the error of preferential terms, there be not material impact to both sides.
In business finance, financial field, exist and a kind ofly like this determine the scene that the amount of money combines: paying party holds comparatively multiple acceptance bills, need to transfer the possession of multiple bills (these multiple bills are " bill combination " hereinafter) to payee, to pay off the debt of the set amount of money, if the amount of money of bill combination and debt amount have gap (amount of money that normally bill combines is less than debt amount), then the certain cash of payment or bank transfer are supplied in addition.
This transfer bill carries out the occasion of settling accounts, more common in China's western region at present.
Because the mobility of draft is convenient not as cash, under the prerequisite that can complete transaction equally, enterprise bearer ordinary priority uses draft.Preferentially bill more late for due date of bill can be transferred negotiator's use.
The chance transferred the possession of due to the bill that denomination is large is few, as possibility, also preferentially transfers the possession of the bill of wholesale to obligee, but after also preventing the bill of low-denomination accumulative, concentrates and transfer a certain position obligee, cause transfer formality too loaded down with trivial details.
For individual enterprise or the smaller enterprise of scale, the quantity of acceptance bill is few, receives once in a while and just transfers other enterprises on demand, determining, in the process that bill combines, not have difficulties.But for large enterprise, particularly group enterprise, because client is numerous, run into the client of financial strain unavoidably, thus often receive more bill.At transfer bill, determine, in the process that bill combines, the distinctive difficulty of some large enterprises will be run into.
When particularly repeatedly being settled accounts by transfer bill, selection best in each bill transference, front and back combine sees not necessarily the best, as: the amount of money of double clearing 3,000,000,2,000,000 respectively, then the bill of 4,000,000 cannot be transferred the possession of.
Part large-size enterprise group, by whole for group member unit hold bill concentrate carry out planning, externally transferring the possession of, with improve complete or collected works group financial liquidity.In bill transference, also need to consider not allow debtor go to multiple member unit to go to extract bill, avoid too much expending time on road, affect the cooperative relationship in later stage.
In the bill management function that the financial companies such as no matter current be management information system in enterprise, bank and capital company provide, all synthetically do not consider the key element that should be noted in bill transference, the ranking function of the base attribute based on bill is only provided, artificially bill is selected for financial staff, not only complex operation, also the bill being difficult to ensure to select is reasonable, conscientiously can not provide the financial liquidity of enterprise.
Summary of the invention
The object of the invention is to overcome weak point of the prior art, a kind of method and device of automatically joining ticket are provided, to solve in prior art due to the problem that ticket causes complex operation inefficiency automatically can not be joined, improve the efficiency of operation, improve enterprise capital mobility; Reduce the workload of Enterprises ' Financial Workers.Transaction cost simultaneously in moderate control bill transference, avoids obligee to consume too much time, service charge.
The embodiment of the present invention provides a kind of method of automatically joining ticket, comprising:
Billing information and this mission bit stream to be settled accounts is obtained from management information system, described billing information comprise bill denomination, coupon rate, date of expiry, the day of making out an invoice, accepting house, trust bank, take ticket unit, this mission bit stream to be settled accounts is this of carrying out settling accounts or many clearing items, the contract related to, contact unit information;
Start and join ticket treatment progress, create mathematical model, load mathematical model parameter;
Use planning algorithm to solve best of breed, complete the operation of automatically joining ticket.
The embodiment of the present invention also provides a kind of device of automatically joining ticket, comprising:
Acquiring unit, for obtaining billing information and this mission bit stream to be settled accounts from management information system, described billing information comprise bill denomination, coupon rate, date of expiry, the day of making out an invoice, accepting house, trust bank, take ticket unit, this mission bit stream to be settled accounts is this of carrying out settling accounts or many clearing items, the contract related to, contact unit information;
Creating unit, joining ticket treatment progress for starting, creating mathematical model, load mathematical model parameter;
Arithmetic element, for using planning algorithm to solve best of breed, completes the operation of automatically joining ticket.
The method provided by the embodiment of the present invention and device, the technical program applied mathematics optimized algorithm processes joining ticket process, optimize the process of group of enterprises at concentrated foreign payment bill, preferential that transfer the possession of wholesale, that the phase of cashing is long bill, improves enterprise capital mobility; Reduce the workload of Enterprises ' Financial Workers.Transaction cost simultaneously in moderate control bill transference, avoids obligee to consume too much time, service charge.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, below the accompanying drawing used required in describing embodiment is briefly described, apparently, accompanying drawing in the following describes is some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the method flow diagram of the embodiment of the present invention one;
Fig. 2 is the device composition diagram of the embodiment of the present invention two.
Embodiment
For making the object of the embodiment of the present invention, technical scheme and advantage clearly, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain under the prerequisite not making creative work, all belongs to the scope of protection of the invention.
Before introducing specific embodiment, for a better understanding of the present invention, the core content of illustratively this programme is needed:
Whether each key element 1, will needing in bill transference to consider, represents with mathematical criterion, suitable for the bill combination weighing selection, also can be used for the effect that Enterprises ' Financial Workers analyzes bill management, quantize finance.
2, carry out optimum with the model in operational research to solve, acquired results will be solved as suggested design, in management information system in enterprise, hand over Enterprises ' Financial Workers to carry out auditing, finely tuning, complete relevant clearing transference.
3, the result that financial staff manually adjusts is recorded, with the difference of model solution result, for adjustment model parameter, Optimized model.
4, in order to the quantized data of support model, from enterprise ERP or other management information system, obtain bill, the unit that takes ticket, obligee and clearing target information.
These information comprise and are not limited to: the denomination of bill, coupon rate, the date of expiry, the day of making out an invoice, accepting house, trust bank, the unit that takes ticket geographic position, the geographic position of obligee, need total transaction amount, the billing cycle of agreement, the receptible amount of the instrument of obligee or the float of settling accounts to account for the ratio of lump sum volume in fixed time limit.
5, bill combination the target amount of money, be defaulted as be less than this wait settle accounts total charge.Its difference, by cash payment or bank transfer polishing.
Embodiment one
Fig. 1 is the method flow diagram of the embodiment of the present invention one, and as shown in Figure 1, the method comprises:
S101. billing information and this mission bit stream to be settled accounts is obtained from management information system, described billing information comprises the geographical location information of the denomination of bill, coupon rate, date of expiry, the day of making out an invoice, accepting house, trust bank, take ticket unit and the unit that takes ticket, this mission bit stream to be settled accounts is this of carrying out settling accounts or many clearing items, the contract related to, contact unit information;
In the embodiment of the present invention, the geographical location information of the unit that takes ticket that will have especially, can by coordinate expression etc.
This mission bit stream to be settled accounts i.e. this one or many of carrying out settling accounts settles accounts items, the contract related to, contact unit information.Its core data is the amount of money needing clearing, and the geographical location information of contact unit.Wherein, the clearing amount of money, the ratio of lump sum volume etc. can be accounted for by the total transaction amount that needs in fixed time limit to settle accounts, the billing cycle of agreement, the receptible amount of the instrument of obligee or float and calculate and determine.The geographical location information of contact unit, does not need real longitude and latitude, adopts the coordinate-system consistent with the unit geographic position that takes ticket to state, can represent with coordinate position, can direct representation represent with the distance of the unit that respectively takes ticket yet.
S102. start and join ticket treatment progress, create mathematical model, load mathematical model parameter;
Core in model determines objective function, and constraint condition.Namely, before establishment mathematical model, also need to determine objective function and constraint condition.
Wherein, constraint condition and principle of design are:
1, in order to as often as possible use bill, allow join ticket combination total charge with clearing volume difference minimum.After excess disbursement, demand the complicated processes of difference, join the total charge of ticket combination, be less than clearing volume;
2, in order to preferentially use wholesale bill, and in the lump-sum settlement process to a contact unit, reduce bill number, the variance of therefore joining ticket combination is maximum as far as possible;
3, the bill in order to as often as possible cash being about to expire retains, and preferentially by the bill transfer of long maturities, needs the summation of the per diem product allowing bill combine maximum, often open in namely combining denomination × (due date-current date) of bill with maximum;
4, get tickets to allow obligee concentrate on a place as far as possible, the bearer's quantity allowing bill combine is minimum;
5, the distance path sum of bearer and contact unit is the shortest.
S103. use planning algorithm to solve best of breed, complete the operation of automatically joining ticket.
Owing to may there is conflict between these targets, therefore for these targets arrange different weights, balance difference joins ticket target, uses quadratic programming to weigh the combination optimal case of each target, and the target weight of aforementioned 5 indexs representative, reduces successively.
In addition, use planning algorithm to solve best of breed, Lindo API specifically can be utilized to solve, if bill quantity to be selected is less than 200, also can calling excel programming evaluation function.This planning algorithm is conventional algorithm, is not repeated here.Due to calculating process, to take resource more, and configurable plan target was carried out in the inoperative period.
May conflict be there is owing to joining ticket target, if programming evaluation all cannot obtain result 3 times, can parameter adjustment be carried out, determine to join ticket result.When adjusting, each measurement index choosing bill to combine can be calculated in real time, determining to select which bill for auxiliary.
Solving result is after adjustment, and record adjustment result, for the reference that performs an analysis during later stage adjustment model parameter.
Finally, need the subsequent treatment such as endorsement, having comprised: the bill transfer combination determined, e-command is sent by bank's excuse, notice trust bank prepares to pay bill, or in management information system in enterprise, send message, document, and notice subordinate enterprise prepares to pay bill.
After paying bill, bill status information in renewal system, makes accounting evidence etc.
Embodiment two
Fig. 2 is the device composition diagram of the embodiment of the present invention two, and as shown in Figure 2, this device comprises:
Acquiring unit 201, for obtaining billing information and this mission bit stream to be settled accounts from management information system, described billing information comprise bill denomination, coupon rate, date of expiry, the day of making out an invoice, accepting house, trust bank, take ticket unit, this mission bit stream to be settled accounts is this of carrying out settling accounts or many clearing items, the contract related to, contact unit information;
Creating unit 202, joining ticket treatment progress for starting, creating mathematical model, load mathematical model parameter;
It should be noted that, before creating unit 202 creates mathematical model, described device also comprises determining unit, for determining objective function and constraint condition.
Wherein, constraint condition and principle of design are:
1, in order to as often as possible use bill, allow join ticket combination total charge with clearing volume difference minimum.After excess disbursement, demand the complicated processes of difference, join the total charge of ticket combination, be less than clearing volume;
2, in order to preferentially use wholesale bill, and in the lump-sum settlement process to a contact unit, reduce bill number, the variance of therefore joining ticket combination is maximum as far as possible;
3, the bill in order to as often as possible cash being about to expire retains, and preferentially by the bill transfer of long maturities, needs the summation of the per diem product allowing bill combine maximum, often open in namely combining denomination × (due date-current date) of bill with maximum;
4, get tickets to allow obligee concentrate on a place as far as possible, the bearer's quantity allowing bill combine is minimum;
5, the distance path sum of bearer and contact unit is the shortest.
Arithmetic element 203, for using planning algorithm to solve best of breed, completes the operation of automatically joining ticket.
Arithmetic element uses planning algorithm to solve best of breed, is specially: utilize quadratic programming to weigh the combination optimal case of each target, to make the target weight of 5 index representatives of described constraint condition, reduces successively.
In addition, after arithmetic element 203 solves best of breed, described device also comprises adjustment unit, and for calculating each measurement index of bill combination in real time, record also joins ticket result according to each measurement index adjustment.
One of ordinary skill in the art will appreciate that: accompanying drawing is the schematic diagram of an embodiment, the unit in accompanying drawing or flow process might not be that enforcement the present invention is necessary.
In several embodiments that the application provides, should be understood that, disclosed system, equipment and method, can realize by another way.Such as, apparatus embodiments described above is only schematic, such as, the division of described unit, be only a kind of logic function to divide, actual can have other dividing mode when realizing, such as multiple unit or assembly can in conjunction with or another system can be integrated into, or some features can be ignored, or do not perform.Another point, shown or discussed coupling each other or direct-coupling or communication connection can be by some interfaces, and the indirect coupling of equipment or unit or communication connection can be electrical, machinery or other form.
The described unit illustrated as separating component or can may not be and physically separates, and the parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of unit wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, also can be that the independent physics of unit exists, also can two or more unit in a unit integrated.Above-mentioned integrated unit both can adopt the form of hardware to realize, and the form that hardware also can be adopted to add SFU software functional unit realizes.
The above-mentioned integrated unit realized with the form of SFU software functional unit, can be stored in a computer read/write memory medium.Above-mentioned SFU software functional unit is stored in a storage medium, comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) perform the part steps of method described in each embodiment of the present invention.And aforesaid storage medium comprises: USB flash disk, portable hard drive, ROM (read-only memory) (Read-Only Memory, be called for short ROM), random access memory (RandomAccess Memory, be called for short RAM), magnetic disc or CD etc. various can be program code stored medium.
Last it is noted that above embodiment is only in order to illustrate technical scheme of the present invention, be not intended to limit; Although with reference to previous embodiment to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in foregoing embodiments, or carries out equivalent replacement to wherein portion of techniques feature; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (10)
1. automatically join a method for ticket, it is characterized in that, comprising:
Billing information and this mission bit stream to be settled accounts is obtained from management information system, described billing information comprises the geographical location information of the denomination of bill, coupon rate, date of expiry, the day of making out an invoice, accepting house, trust bank, take ticket unit and the unit that takes ticket, this mission bit stream to be settled accounts is this of carrying out settling accounts or many clearing items, the contract related to, contact unit information;
Start and join ticket treatment progress, create mathematical model, load mathematical model parameter;
Use planning algorithm to solve best of breed, complete the operation of automatically joining ticket.
2. method according to claim 1, is characterized in that, before described establishment mathematical model, also comprises:
Determine objective function and constraint condition.
3. method according to claim 2, is characterized in that, described constraint condition comprises:
Allow join ticket combination total charge with clearing volume difference minimum, join ticket combination variance maximum, the summation of the per diem product allowing bill combine is maximum, bill combine minimum and bearer and contact unit the distance path sum of bearer's quantity the shortest.
4. method according to claim 3, is characterized in that, uses planning algorithm to solve best of breed, comprising:
Utilize quadratic programming to weigh the combination optimal case of each target, to make the target weight of 5 index representatives of described constraint condition, reduce successively.
5. the method according to any one of claim 1-4, is characterized in that, described utilization planning algorithm also comprises after solving best of breed:
Each measurement index of real-time calculating bill combination, record also joins ticket result according to each measurement index adjustment.
6. automatically join a device for ticket, it is characterized in that, comprising:
Acquiring unit, for obtaining billing information and this mission bit stream to be settled accounts from management information system, described billing information comprise bill denomination, coupon rate, date of expiry, the day of making out an invoice, accepting house, trust bank, take ticket unit, this mission bit stream to be settled accounts is this of carrying out settling accounts or many clearing items, the contract related to, contact unit information;
Creating unit, joining ticket treatment progress for starting, creating mathematical model, load mathematical model parameter;
Arithmetic element, for using planning algorithm to solve best of breed, completes the operation of automatically joining ticket.
7. device according to claim 6, is characterized in that, described device also comprises:
Determining unit, for determining objective function and constraint condition.
8. device according to claim 7, is characterized in that, described constraint condition comprises:
Allow join ticket combination total charge with clearing volume difference minimum, join ticket combination variance maximum, the summation of the per diem product allowing bill combine is maximum, bill combine minimum and bearer and contact unit the distance path sum of bearer's quantity the shortest.
9. device according to claim 8, is characterized in that, described arithmetic element uses planning algorithm to solve best of breed, comprising:
Utilize quadratic programming to weigh the combination optimal case of each target, to make the target weight of 5 index representatives of described constraint condition, reduce successively.
10. the method according to any one of claim 6-9, is characterized in that, described device also comprises:
Adjustment unit, for calculating each measurement index of bill combination in real time, record also joins ticket result according to each measurement index adjustment.
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| CN201310698512.5A CN104715412A (en) | 2013-12-17 | 2013-12-17 | Method and device for automatic bill allocation |
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| CN201310698512.5A CN104715412A (en) | 2013-12-17 | 2013-12-17 | Method and device for automatic bill allocation |
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| CN201310698512.5A Pending CN104715412A (en) | 2013-12-17 | 2013-12-17 | Method and device for automatic bill allocation |
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| CN109255699A (en) * | 2018-08-23 | 2019-01-22 | 北京磁云唐泉金服科技有限公司 | Based on the inter-bank tune money method and apparatus brought together automatically |
| CN110503541A (en) * | 2019-08-26 | 2019-11-26 | 北京亚联之星信息技术有限公司 | The whole network user's cash flow optimal configuration method |
| WO2020000695A1 (en) * | 2018-06-25 | 2020-01-02 | 平安科技（深圳）有限公司 | Fund position adjustment method and system, computer device and storage medium |
| CN110852855A (en) * | 2018-08-02 | 2020-02-28 | 上海宝信软件股份有限公司 | Intelligent ticket distribution method and system |
| CN111429242A (en) * | 2020-03-18 | 2020-07-17 | 中国工商银行股份有限公司 | Combined pushing method and device for transfer cash note |
| CN114219462A (en) * | 2021-12-17 | 2022-03-22 | 金蝶软件（中国）有限公司 | Acceptance method and acceptance system for electronic commercial draft |
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