CN106157144A - A kind of bill held stock management system, method and apparatus - Google Patents

A kind of bill held stock management system, method and apparatus Download PDF

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Publication number
CN106157144A
CN106157144A CN201610786424.4A CN201610786424A CN106157144A CN 106157144 A CN106157144 A CN 106157144A CN 201610786424 A CN201610786424 A CN 201610786424A CN 106157144 A CN106157144 A CN 106157144A
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China
Prior art keywords
bill
information
module
existing
held
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CN201610786424.4A
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Chinese (zh)
Inventor
方敏
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Wuhan bill Trading Center Co., Ltd.
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WUHAN JUFENG TECHNOLOGY Co Ltd
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Priority to CN201610786424.4A priority Critical patent/CN106157144A/en
Publication of CN106157144A publication Critical patent/CN106157144A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The present invention relates to computer realm, particularly to a kind of bill held stock management system, method and apparatus.The bill held stock management system of the present invention is by arranging importing module, authentication module, monitoring module, Risk-warning module, bill control module, prompting module, change management module and data update module; not only increase efficiency bill being managed and concluding the business; improve the safety in bill management and process of exchange; and protect user benefit, promote carrying out in order of whole bill business market.

Description

A kind of bill held stock management system, method and apparatus
Technical field
The present invention relates to computer realm, particularly to a kind of bill held stock management system, method and apparatus.
Background technology
At present, inland note market does not form the trade market that the whole nation is unified as security, foreign exchange, forward market, The supply-demand information of bill, transaction value, information inquiry etc. are in the state isolated, and lack the disclosure of information with shared.Meanwhile, Bill management process ratio is relatively decentralized, neither one concentrate management platform can to bill Input Process, process of exchange, shifted Multiple processes of the bill managements such as journey are all monitored and Risk-warning, have that bill business process efficiency is low, risk is big etc. and ask Topic, not only results in the massive losses of transacting customer, is more unfavorable for the health in bill business market, stable development.
Summary of the invention
The invention provides a kind of bill held stock management system, method and apparatus, solve techniques discussed above problem.
The technical scheme is that
According to one aspect of the present invention, it is provided that a kind of bill held stock management system, including:
Import module, import for single bill being imported or multiple bills being carried out batch;
Authentication module, for described bill being carried out draft bank information, obligee's information and/or risk class checking, and will The bill being verified is inserted into existing bill and holds position;
Monitoring module, the process of exchange for middle bill of holding position existing bill is monitored and/or holds existing bill Billing information in storehouse is monitored, and generates abnormal information when occurring abnormal;
Risk-warning module, for inquiring about the vulnerability database pre-build according to user instruction, obtains existing bill and holds The risk class of bill and/or automatically inquire about described vulnerability database in storehouse, returns during described existing bill is held position to user and reaches To the billing information presetting risk class.
The invention has the beneficial effects as follows: the bill held stock management system of the present invention includes importing module, authentication module, monitoring Module and Risk-warning module, be possible not only to import single bill, and can import multiple bill in batches, imports efficiency high; Simultaneously by arranging authentication module, monitoring module and Risk-warning module, it is ensured that bill imports, concludes the business and complete a business transaction process In safety, not only protect user benefit, and promote carrying out in order of whole bill business market.
On the basis of technique scheme, the present invention can also do following improvement.
Further, also include:
Bill control module is abnormal for the bill of the risk class obtained according to the described vulnerability database of inquiry, reception Report information and/or the control instruction of middle control personnel, the bill in holding position existing bill locks, labelling and/or unblock, And locking bill is removed from trading object;
Prompting module, the bill in holding position existing bill to schedule carries out retrieval and inquisition, automatically obtains Will expire and/or buy back overdue bill, and send reminder message to holder;And/or display to the user that described general The abnormal information that monitoring module monitors;
Change management module, holds position the history of data for holding position bill at described existing bill, for storing history Bill is held position and/or process for carrying out bill shifting in the managed database of trustship is managed;
Display module, the information in presentation of bill typing and/or process of exchange, described information include billing information, Indicating risk information, locking information, releasing information and/or from trading object, remove billing information.
Above-mentioned further scheme is used to provide the benefit that: this further technical scheme is by bill held stock management system In bill control module, prompting module, change management module and display module are set, in facilitating user to hold position existing bill Bill is managed, and risk bill carries out the various abnormal informations during locking obtains bill management the most in time, improves The efficiency of bill management and user carry out the safety of bill business.
Further, also include that data update module, described data update module include:
Authentication unit, for verifying the interface unit pre-set, described interface unit is used for connecting outside system System;
Data updating unit, after being used for being proved to be successful, obtains the billing information of external system by described interface unit, and The billing information of middle corresponding bill of holding position existing bill is updated;And/or the billing information in being held position by existing bill leads to Cross described interface unit to send to external system.
Above-mentioned further scheme is used to provide the benefit that: this further technical scheme obtains ticket by data update module According to instant, accurate information, it is to avoid billing information is updated and delayed brings to user transaction process by bill held stock management system Potential safety hazard, further increase user and carry out the safety of bill business.
According to another aspect of the present invention, additionally provide a bill and hold position management method, including:
Steps for importing: single bill is imported or carries out multiple bills importing in batches;
Verification step: described bill is carried out draft bank information, obligee's information and/or risk class checking, and will checking The bill passed through is inserted into existing bill and holds position;
Monitoring step: during the process of exchange of middle bill of holding position existing bill is monitored and/or holds position existing bill Billing information be monitored, and generate abnormal information when occurring abnormal;
Risk-warning step: inquire about the vulnerability database that pre-builds according to user instruction, obtains during existing bill holds position The risk class of bill and/or the described vulnerability database of automatic inquiry, return during described existing bill is held position to user and reach pre- If the billing information of risk class.
The invention has the beneficial effects as follows: the bill of present invention management method of holding position is possible not only to import single bill, and Multiple bill can be imported in batches, import efficiency high;Simultaneously by arranging authentication module, monitoring module and Risk-warning module, Can ensure that bill import, conclude the business and complete a business transaction during safety, not only protect user benefit, and promote whole Carrying out in order of bill business market.
Further, also include:
Bill rate-determining steps: according to inquiring about risk class, the abnormal report of bill of reception that described vulnerability database obtains Information and/or the control instruction of middle control personnel, the bill in holding position existing bill locks, labelling and/or unblock, and will Locking bill removes from trading object;
Reminding step: the bill in holding position existing bill to schedule carries out retrieval and inquisition, automatically obtaining will Expire and/or buy back overdue bill, and sending reminder message to holder;And/or display to the user that described by monitoring The abnormal information that module monitors arrives;
Change management step: bill is held position at described existing bill, holds position the history bill of data for storing history Hold position and/or process for carrying out bill shifting in the managed database of trustship is managed;
Step display: the information in presentation of bill typing and/or process of exchange, described information includes billing information, risk Information, locking information, releasing information and/or from trading object, remove billing information.
Further, also include that data update step, particularly as follows:
Verifying the interface unit pre-set, described interface unit is used for connecting external system;
After being proved to be successful, obtained the billing information of external system by described interface unit, and existing bill held position The billing information of corresponding bill is updated;And/or the billing information in being held position by existing bill sent out by described interface unit Deliver to external system.
Further, also include log management step, particularly as follows: generate the daily record letter for recording each step operation process Breath, and described log information is carried out Classification Management;Described log information includes bill import information, checking information, monitoring letter Breath, Risk-warning information, bill control in information, prompting message, change management information and data renewal information one or many Individual.
Above-mentioned further scheme is used to provide the benefit that: in this further technical scheme, the concrete mistake to each step Cheng Jinhang itemized record generate log information, the various information during facilitating user to understand bill management.
Further, the problem billing information of problem billing information based on common platform publicity and described system marks is set up Described vulnerability database, described common platform includes law court's platform and/or bill business net.
Above-mentioned further scheme is used to provide the benefit that: in this further technical scheme, described vulnerability database is base Labelling, collection or through lifting is found in the information of the common platform institute publicities such as law court, bill business net and present system oneself The risk data that report obtains is set up, and not only risk data is perfect, and updates in time, can evade for user to greatest extent Risk in bill business.
In order to solve the technical problem of the present invention, additionally provide a kind of device, including described bill held stock management system.
Further, described device is mobile phone, desktop computer, notebook computer and/or panel computer.
The invention has the beneficial effects as follows: assembly of the invention can be applied in the mechanism such as bank, enterprise, improves silver Row, enterprise carry out efficiency and the safety of bill daily management, carry out buying out in bank simultaneously, outright sale, just buy back, reverse back purchase with And enterprise is when directly pasting transaction, reduce carrying out in order of the transaction risk of user, beneficially trade market.
Accompanying drawing explanation
Fig. 1 is the structural representation of 1 one kinds of bill held stock management systems of embodiment;
Fig. 2 is that 2 one kinds of bills of embodiment are held position the schematic flow sheet of management method;
Fig. 3 is the structural representation of 3 one kinds of devices of embodiment.
Detailed description of the invention
Being described principle and the feature of the present invention below in conjunction with accompanying drawing, example is served only for explaining the present invention, and Non-for limiting the scope of the present invention.
Fig. 1 is the structural representation of 1 one kinds of bill held stock management systems of embodiment, as it is shown in figure 1, include import module, Authentication module, monitoring module, Risk-warning module, bill control module, prompting module, change management module and display module,
Described importing module, imports for importing single bill or multiple bills carrying out batch, this enforcement In example, the bill of described typing source includes by putting down into holding position, batch input is held position, inverse buy-back deal newly-increased is held position, buy out Transaction is newly-increased holds position, directly patch transaction newly-increased hold position, on deposit newly-increased holding position and bill data that other external systems import.
Described authentication module, for described bill being carried out draft bank information, obligee's information and/or risk class checking, And the bill being verified is inserted into existing bill holds position;Concrete, if described bill is electronic bill, then by checking mould Block carries out following proof procedure successively to electronic bill:
Verify whether existing bill exists the repetition bill identical with the draft bank of described electronic bill in holding position;
Verify obligee's information that described electronic bill shows whether with electronic bill described in e-business draft system Corresponding obligee's information is consistent;
Inquiry vulnerability database, obtains corresponding risk class, according to described risk according to the draft bank of described electronic bill Whether electronic bill described in level authentication exists risk.
If described bill is paper-bill, then successively paper-bill is carried out by authentication module following proof procedure:
Inquire about whether described paper-bill is stored in bill managed database;Verify existing bill whether exist in holding position with The repetition bill that the draft bank of described paper-bill is identical;
Inquiry vulnerability database, obtains corresponding risk class, according to described risk class according to the draft bank of described bill Verify whether described paper-bill exists risk.Then described paper-bill is delivered to trustship center and carry out bill examination, bill Check the verity by described paper-bill is described and legitimacy does not has flaw, such that it is able to be deposited into by described paper-bill Existing bill is held position, and verifies next bill.
The described monitoring module of the present embodiment, the process of exchange for middle bill that existing bill held position be monitored and/ Or the billing information in holding position existing bill is monitored, and generation abnormal information is sent to bill control when occurring abnormal Module, is reported and lock by bill control module abnormal bill and labelling exception bill.The monitoring module of the present invention After trustship can be negotiated a price, complete a business transaction and entered to bill, the transfer proprietorial process of bill is monitored, when occurring that bill is believed When breath is abnormal, abnormal bill is reported and locked and labelling exception bill.
Described Risk-warning module, for inquiring about the vulnerability database pre-build according to user instruction, obtains existing ticket According to risk class and/or the described vulnerability database of automatic inquiry of middle bill of holding position, return described existing bill to user and hold position In reach preset risk class billing information.In the present embodiment, the early warning of described Risk-warning module reminds time point to include record Enter or time batch imports bill, when initiating transaction, when being inquired about by the page.The Risk-warning module of the present embodiment can simultaneously To carry out automatic early-warning, and send early warning to notifications.Described vulnerability database is public based on law court, bill business net etc. The information of platform institute publicity and present system oneself find what labelling, collection or the risk data obtained through report were set up, Not only risk data is perfect, and updates in time, can evade the risk in bill business to greatest extent for user.
The described bill control module of the present embodiment, for according to inquire about described vulnerability database obtain risk class, The bill exception report information received and/or the control instruction of middle control personnel, the bill in holding position existing bill locks, Labelling and/or unblock, and locking bill is removed from trading object.When such as bank or enterprise initiate bill business, bill Control module is held position middle selection bill from existing bill, and then inquiry vulnerability database judges whether risk, if there is wind Dangerous then prompting user can not conclude the business, and is removed by risk bill from trading object, and by the state of this risk bill from concluding the business It is revised as locking.In other embodiments, described bill control module is being received user's report information, is automatically being found that bill exists When extremely or controlling the lock instruction of personnel in acceptance, locking the bill of abnormality, then bill control module exists When other bills are traded, identifying the bill whether comprising locking in trading object, if comprising, then will lock bill from transaction Object removes, it is ensured that effective, the safety of alternation procedure.
Described prompting module, the bill in holding position existing bill to schedule carries out retrieval and inquisition, automatically Acquisition will expire and/or buy back overdue bill, and sends reminder message to holder;And/or display to the user that institute State the abnormal information monitored by monitoring module.The prompting module of the present invention by backstage periodically in existing bill is held position, right Will overdue bill or buy back overdue bill and retrieve, obtain obligee's information of this bill, then according to bill Obligee classifies, and generates prompting message, and reminder message includes herein below: holder's information, the bill to fall due one held Looking at and the reason that expires, the reason that expires includes that repurchase expires, will expire etc., then described reminder message is sent to correspondence The client of right of negotiable instrument people, the prompting message shown on the client is as follows:
No draft bank expires type
1 XXXXXX will expire
2 XXXXXX repurchase expire
Then right of negotiable instrument people can be operated accordingly by client, such as bill to fall due collection etc..
Described change management module, for holding position bill at existing bill, history bill is held position and/or managed database In the process that carries out shifting be managed.
Described display module, the information in presentation of bill typing and/or process of exchange, described information includes that bill is believed Breath, indicating risk information, locking information, releasing information and/or from trading object, remove billing information.
Preferably, also including data update module in the present embodiment, described data update module includes: authentication unit, uses In verifying the interface unit pre-set, described interface unit is used for connecting external system;Data updating unit, is used for After being proved to be successful, obtained the billing information of external system, and middle corresponding bill that existing bill is held position by described interface unit Billing information be updated;And/or the billing information in being held position by existing bill is sent to outside by described interface unit System.In the present embodiment, described external system includes ECDS e-business draft system, managed database etc..
Fig. 2 is that 2 one kinds of bills of embodiment are held position the schematic flow sheet of management method, as in figure 2 it is shown, include:
Steps for importing: single bill is imported or carries out multiple bills importing in batches;
Verification step: described bill is carried out draft bank information, obligee's information and/or risk class checking, and will checking The bill passed through is inserted into existing bill and holds position;
Monitoring step: during the process of exchange of middle bill of holding position existing bill is monitored and/or holds position existing bill Billing information be monitored, and generate abnormal information when occurring abnormal;
Risk-warning step: inquire about the vulnerability database that pre-builds according to user instruction, obtains during existing bill holds position The risk class of bill;And/or automatically inquire about described vulnerability database, return during described existing bill is held position to user and reach pre- If the billing information of risk class.Described vulnerability database is letter based on common platform institute publicities such as law court, bill business nets Breath and present system oneself find what labelling, collection or the risk data obtained through report were set up, and not only risk data is complete Kind, and update in time, the risk in bill business can be evaded to greatest extent for user.
The preferably method of the present embodiment also includes:
Bill rate-determining steps: according to inquiring about risk class, the abnormal report of bill of reception that described vulnerability database obtains Information and/or the control instruction of middle control personnel, the bill in holding position existing bill locks, labelling and/or unblock, and will Locking bill removes from trading object;
Reminding step: the bill in holding position existing bill to schedule carries out retrieval and inquisition, automatically obtaining will Expire and/or buy back overdue bill, and sending reminder message to holder;And/or display to the user that described by monitoring The abnormal information that module monitors arrives;
Change management step: hold position bill at existing bill, history bill is held position and/or carries out in managed database turning The process moved is managed;
Step display: the information in presentation of bill typing and/or process of exchange, described information includes billing information, risk Information, locking information, releasing information and/or from trading object, remove billing information;
Data update step: verify the interface unit pre-set, and described interface unit is used for connecting outside system System;After being proved to be successful, obtained the billing information of external system, and middle corresponding ticket that existing bill is held position by described interface unit According to billing information be updated;And/or the billing information in being held position by existing bill is sent to outward by described interface unit Portion's system.
Log management step: generate the log information for recording each step operation process, and to described log information Carry out Classification Management;Described log information includes bill import information, checking information, monitoring information, Risk-warning information, bill In control information, prompting message, change management information and data renewal information one or more.This step is to each step Detailed process carries out itemized record and generates log information, the various information during facilitating user to understand bill management.
Fig. 3 is the structural representation of 3 one kinds of devices of embodiment, as it is shown on figure 3, described device includes that bill is held position manages system System.In the present embodiment, described device is mobile phone, in other embodiments, it is also possible to for desktop computer, notebook computer and/or flat Plate computer.Assembly of the invention can be applied in the mechanism such as bank, enterprise, improves bank, enterprise carries out the daily pipe of bill The efficiency of reason and safety, simultaneously carry out buying out in bank, outright sale, just buy back, reverse back is purchased and time transaction is directly pasted by enterprise, Reduce carrying out in order of the transaction risk of user, beneficially trade market.
Although above it has been shown and described that embodiments of the invention, it is to be understood that above-described embodiment is example Property, it is impossible to being interpreted as limitation of the present invention, those of ordinary skill in the art within the scope of the invention can be to above-mentioned Embodiment is changed, revises, replaces and modification.

Claims (10)

1. a bill held stock management system, it is characterised in that including:
Import module, import for single bill being imported or multiple bills being carried out batch;
Authentication module, for described bill being carried out draft bank information, obligee's information and/or risk class checking, and will checking The bill passed through is inserted into existing bill and holds position;
Monitoring module, in the process of exchange of middle bill of holding position existing bill is monitored and/or holds position existing bill Billing information be monitored, and generate abnormal information when occurring abnormal;
Risk-warning module, for inquiring about, according to user instruction, the vulnerability database that pre-builds, obtains during existing bill holds position The risk class of bill and/or the described vulnerability database of automatic inquiry, return during described existing bill is held position to user and reach pre- If the billing information of risk class.
Bill held stock management system the most according to claim 1, it is characterised in that also include:
Bill control module, for according to inquiring about risk class, the abnormal report of bill of reception that described vulnerability database obtains Information and/or the control instruction of middle control personnel, the bill in holding position existing bill locks, labelling and/or unblock, and will Locking bill removes from trading object;
Prompting module, the bill in holding position existing bill to schedule carries out retrieval and inquisition, and automatically obtaining will Expire and/or buy back overdue bill, and sending reminder message to holder, and/or displaying to the user that described by monitoring The abnormal information that module monitors arrives;
Change management module, for holding position bill at existing bill, history bill holds position and/or carries out in managed database turning The process moved is managed;
Display module, the information in presentation of bill typing and/or process of exchange, described information includes billing information, risk Information, locking information, releasing information and/or from trading object, remove billing information.
Bill held stock management system the most according to claim 1, it is characterised in that also include data update module, described Data update module includes:
Authentication unit, for verifying the interface unit pre-set, described interface unit is used for connecting external system;
Data updating unit, after being used for being proved to be successful, obtains the billing information of external system by described interface unit, and to existing The hold position billing information of middle corresponding bill of bill is had to be updated;And/or the billing information in being held position by existing bill passes through institute State interface unit to send to external system.
4. a bill is held position management method, it is characterised in that including:
Steps for importing: single bill is imported or carries out multiple bills importing in batches;
Verification step: described bill is carried out draft bank information, obligee's information and/or risk class checking, and will be verified Bill be inserted into existing bill and hold position;
Monitoring step: the process of exchange of middle bill that existing bill is held position be monitored and/or existing bill held position in ticket It is believed that breath is monitored, and generate abnormal information when occurring abnormal;
Risk-warning step: inquire about the vulnerability database that pre-builds according to user instruction, obtains existing bill and holds position middle bill Risk class and/or automatically inquire about described vulnerability database, return during described existing bill is held position to user and reach to preset wind The billing information of danger grade.
Bill the most according to claim 4 is held position management method, it is characterised in that also include:
Bill rate-determining steps: according to inquiring about risk class, the bill exception report information of reception that described vulnerability database obtains And/or the control instruction of middle control personnel, the bill in holding position existing bill locks, labelling and/or unblock, and will locking Bill removes from trading object;
Remind step: the bill in holding position existing bill to schedule carries out retrieval and inquisition, automatically obtain and will expire And/or buy back overdue bill, and send reminder message to holder;And/or display to the user that described by monitoring module The abnormal information monitored;
Change management step: hold position bill at existing bill, history bill is held position and/or shifts in managed database Process is managed;
Step display: the information in presentation of bill typing and/or process of exchange, described information includes billing information, indicating risk Information, locking information, releasing information and/or from trading object, remove billing information.
Bill the most according to claim 5 is held position management method, it is characterised in that also include that data update step, specifically For:
Verifying the interface unit pre-set, described interface unit is used for connecting external system;
After being proved to be successful, obtained the billing information of external system, and middle correspondence that existing bill is held position by described interface unit The billing information of bill is updated;And/or the billing information in being held position by existing bill is sent extremely by described interface unit External system.
Bill the most according to claim 6 is held position management method, it is characterised in that also include log management step, specifically For: generate the log information for recording each step operation process, and described log information is carried out Classification Management;Described day Will information include bill import information, checking information, monitoring information, Risk-warning information, bill control information, prompting message, In change management information and data renewal information one or more.
8. hold position management method according to the arbitrary described bill of claim 4~7, it is characterised in that based on common platform publicity Problem billing information and the problem billing information of described system marks set up described vulnerability database, described common platform includes Law court's platform and/or bill business net.
9. a device, it is characterised in that include the arbitrary described bill held stock management system of claims 1 to 3.
Device the most according to claim 9, it is characterised in that described device be mobile phone, desktop computer, notebook computer and/ Or panel computer.
CN201610786424.4A 2016-08-31 2016-08-31 A kind of bill held stock management system, method and apparatus Pending CN106157144A (en)

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CN111353885A (en) * 2018-12-21 2020-06-30 上海萌翼网络科技有限公司 Endorsement trajectory tracking system and method

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CN106600409A (en) * 2016-12-01 2017-04-26 南阳理工学院 Processing system for international trade bill financing
CN106845987A (en) * 2017-01-16 2017-06-13 重庆中票科技有限公司 A kind of online match system of bill business and method
CN107451917A (en) * 2017-07-28 2017-12-08 武汉票据交易中心有限公司 A kind of bill management method and system
CN107451922A (en) * 2017-07-31 2017-12-08 武汉票据交易中心有限公司 The risk control management method and system of a kind of bill
CN108280698A (en) * 2018-01-19 2018-07-13 大象慧云信息技术有限公司 A kind of self-defined sort management method of invoice and system
CN108876219A (en) * 2018-09-04 2018-11-23 中国平安财产保险股份有限公司 Indicating risk method, apparatus, computer equipment and storage medium
CN111353885A (en) * 2018-12-21 2020-06-30 上海萌翼网络科技有限公司 Endorsement trajectory tracking system and method
CN110457272A (en) * 2019-08-15 2019-11-15 中国银行股份有限公司 Bill batch processing method and device
CN110457272B (en) * 2019-08-15 2022-02-01 中国银行股份有限公司 Bill batch processing method and device
CN110661866A (en) * 2019-09-24 2020-01-07 腾讯科技(深圳)有限公司 Bill processing method and equipment
CN110661866B (en) * 2019-09-24 2022-05-10 腾讯科技(深圳)有限公司 Bill processing method and equipment

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