CN110827068A

CN110827068A - Bill data processing method, system, device and medium based on payment system

Info

Publication number: CN110827068A
Application number: CN201911032614.7A
Authority: CN
Inventors: 姚志强; 周曦; 杨雨轩; 万珺; 游宇; 陈江豪; 唐梓烈; 李源; 张阳; 马楷; 胡逸凡; 贾伟森; 田豪杰; 黄铃
Original assignee: Guangzhou Kaifeng Technology Co Ltd
Current assignee: Guangzhou Kaifeng Technology Co Ltd
Priority date: 2019-10-28
Filing date: 2019-10-28
Publication date: 2020-02-21

Abstract

The invention provides a bill data processing method, a bill data processing system, bill data processing equipment and a bill data processing medium based on a payment system, wherein the bill data processing method comprises the following steps: acquiring payment information corresponding to a bill to be identified, and determining user identification information corresponding to the payment information; identifying a bill to be identified, and acquiring bill bearing information of the bill to be identified; determining bill associated characteristic information according to the user identification information and the bill bearing information; determining a corresponding bill processing strategy according to the bill association characteristic information; by matching the subdivided bill associated information, the high-efficiency and high-reliability bill point exchange is realized, the bill bearing information can respectively correspond to the payment information and the payment identification information, and the safety in the bill data processing process is improved.

Description

Bill data processing method, system, device and medium based on payment system

Technical Field

The invention relates to a data management technology, in particular to a bill data processing method, a bill data processing system, bill data processing equipment and bill data processing media based on a payment system.

Background

Tickets, also known as purchase receipts, are held by consumers by stores or other commercial establishments while they are shopping. The shopping mall can redeem the bill credit for the consumer according to the bill, and the consumer can redeem the gift by using the bill credit, so that the purposes of activating the consumer, increasing the viscosity of the consumer and publicizing the brand of the shopping mall are achieved. In the practical application of bill integration, the workload of manually checking bills by customer service in a market is large, the efficiency is very low, the checking error is large, and the mobile payment process cannot be well matched with the bills and the bill holders.

Disclosure of Invention

In view of the above-mentioned shortcomings of the prior art, the present invention aims to provide a method, a system, a device and a medium for processing bill data based on a payment system, which are used for solving the problem of low security of bill point redemption.

In order to achieve the above and other related objects, the present invention provides a bill data processing method based on a payment system, including: acquiring payment information corresponding to a bill to be identified, and determining user identification information corresponding to the payment information; identifying a bill to be identified, and acquiring bill bearing information of the bill to be identified; determining bill associated characteristic information according to the user identification information and the bill bearing information; and determining a corresponding bill processing strategy according to the bill association characteristic information.

Optionally, the ticket association characteristic information includes at least one of: bill holder information corresponding to the bill, bill redemption information associated with the bill holder, bill confidence, number of bill identifications.

Optionally, the user identification information includes at least one of: a user ID; a user name; and (4) the human face characteristics of the user.

Optionally, the ticket carrying information includes at least one of: bill ID, bill amount, bill printing time, bill printing place, and merchandise recorded on the bill.

Optionally, the ticket holder information includes a ticket holder ID.

Optionally, the ticket redemption information associated with the ticket holder includes at least one of:

the method comprises the steps of bill amount corresponding to the same bill holder ID, the number of times of bill redemption of the same bill holder ID in preset time and the total amount of bill redemption of the same bill holder ID in preset time.

Optionally, the low confidence of the bill includes the following situations: the ticket has null value and the ticket is changed.

Optionally, if the bill amount corresponding to the same bill holder ID is smaller than the first preset amount, the bill is approved and the point is exchanged.

Optionally, if the number of times that the bills with the same bill ID are recognized by different bill holders is greater than a second preset number of times, the bill refuting process is executed, or secondary audit is performed.

Optionally, the number of times of exchanging the bills for the points of the same bill holder ID within a preset time is greater than a first preset number of times; or if the total sum of the bill exchange points of the same bill holder ID is larger than a second preset amount within a preset time, executing bill refund processing or performing secondary verification.

Optionally, if the bill confidence is low and the bill amount is greater than the third preset amount, executing bill refuting processing, or performing secondary auditing.

Optionally, identifying the bill to be identified through a bill identification application program; wherein the bill identification application is: the device comprises a merchant APP, wherein a bill identification function module is arranged in the merchant APP.

Optionally, identifying the bill to be identified through a bill identification application program; wherein the bill identification application is: the WeChat applet comprises an API (application program interface) for calling a cloud bill identification function module

A bill data processing method based on a payment system comprises the following steps: the user identification module is used for acquiring payment information corresponding to a bill to be identified and determining user identification information corresponding to the payment information; the bill identification module is used for identifying a bill to be identified and acquiring bill bearing information of the bill to be identified; and the bill processing strategy module is used for determining bill associated characteristic information according to the user identification information and the bill bearing information and determining a corresponding bill processing strategy according to the bill associated characteristic information.

Optionally, the ticket holder information includes a ticket holder ID.

Optionally, identifying the bill to be identified through a bill identification application program; wherein the bill identification application is: and the WeChat applet comprises an API for calling the cloud bill identification function module.

An apparatus, comprising: one or more processors; and one or more machine readable media having instructions stored thereon that, when executed by the one or more processors, cause the apparatus to perform one or more of the methods described.

One or more media having instructions stored thereon that, when executed by one or more processors, cause an apparatus to perform one or more of the described methods.

As described above, the bill data processing method, system, device and medium based on the payment system provided by the present invention have the following beneficial effects:

the bill processing method has the advantages that the bill processing strategy for identifying and responding the bill to be identified realizes the automation of bill processing without manual processing; and the bill bearing information can be respectively corresponding to the payment information and the payment identification information, so that the safety in the bill data processing process is improved.

Drawings

Fig. 1 is a schematic flow chart of a payment system-based ticket data processing method in embodiment 1.

Fig. 2 is a schematic flowchart of the ticket processing policy step S21 in embodiment 1.

Fig. 3 is a flowchart illustrating the ticket processing policy step S22 in embodiment 1.

Fig. 4 is a flowchart illustrating the ticket processing policy step S23 in embodiment 1.

Fig. 5 is a flowchart illustrating the ticket processing policy step S24 in embodiment 1.

Fig. 6 is a flowchart illustrating the ticket processing policy step S25 in embodiment 1.

Fig. 7 is a schematic structural diagram of a payment system based ticket data processing system in embodiment 2.

Fig. 8 is a schematic hardware structure diagram of a terminal device according to an embodiment.

Fig. 9 is a schematic diagram of a hardware structure of a terminal device according to another embodiment.

Description of the element reference numerals

1 subscriber identification module

2 Bill recognition module

3 Bill processing strategy module

1100 input device

1102 first processor

1102 output device

1103 first memory

1104 communication bus

1200 processing assembly

1201 second processor

1202 second memory

1203 communication assembly

1204 Power supply Assembly

1205 multimedia assembly

1206 voice assembly

1207 input/output interface

1208 sensor assembly

Detailed Description

The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.

It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.

Referring to fig. 1, embodiment 1 provides a method for processing ticket data based on a payment system, including:

s1: acquiring payment information corresponding to a bill to be identified, determining user identification information corresponding to the payment information, and in some implementation processes, acquiring the user identification information by using information in a mobile payment process, for example, acquiring the payment information in the payment process and the user identification information of a payer after mobile payment is completed, and further matching the bill with the payment information and the user identification information;

s2: identifying a bill to be identified, acquiring bill bearing information of the bill to be identified, identifying the bill to be identified through image identification, for example, identifying through OCR (Optical Character Recognition) and NLP (Natural Language Processing), directly converting Character contents on a picture and a photo into editable texts through OCR identification, establishing a model of NLP identification through formulating semantic rules and text similarity, assisting OCR identification by using the model of NLP identification, and acquiring the bill bearing information of the bill to be identified after the identification is completed;

s3: according to the user identification information and the bill bearing information, the bill association characteristic information is determined, the relationship between the user identification information and the bill bearing information can be established, information matching is carried out among the bill/payment information, the user and the bill holder, and then the bill association characteristic information is determined;

s4: and determining a corresponding bill processing strategy according to the bill associated characteristic information, finishing the bill point exchange according to the corresponding bill processing strategy, realizing the automatic exchange of the bill, avoiding manual processing and improving the exchange efficiency of the bill.

In some implementations, the ticket association characteristic information includes at least one of: ticket holder information corresponding to the ticket (e.g., match information between the ticket and the ticket holder), ticket redemption information associated with the ticket holder (e.g., relationship between the ticket holder and the amount of the ticket, or redemption points), ticket confidence (e.g., confidence in the authenticity of the ticket and related information), number of ticket recognitions; by subdividing the associated characteristic information of the bill and matching the subdivided associated information of the bill, the high-efficiency and high-reliability bill point exchange is realized, the bill bearing information can correspond to the payment information and the payment identification information respectively, and the safety in the bill data processing process is improved.

In some implementations, the user identification information corresponding to the payment information includes at least one of: a user ID; a user name; and (4) the human face characteristics of the user. And displaying or collecting payment information after the mobile payment is finished, wherein the payment information can comprise payment time, payment amount and the like, and further establishing a corresponding relation between the payment information and the user identification information of the payer. For example, the ID of the user may be used as a distinction and correspond to the payment information; for example, the name of the user is used as a unique identifier and corresponds to the payment information; for another example, the user face features are used as the recognition features and correspond to the payment information, that is, the payment can be completed through the user face features, the user face features are matched with the payment information, or the payment information is matched with the user face features prestored by the user.

In some implementations, the ticket identification application is: the merchant APP, wherein, there is bill recognition function module in the merchant APP, the merchant APP can work through one of following mode: through the mobile terminal that is equipped with trade company APP, through the fixed floodgate machine that is equipped with trade company APP, through the user terminal who runs trade company APP.

In some implementation processes, the ticket recognition application may further use a wechat applet, where the wechat applet has an API for calling a cloud ticket recognition function module, for example, the wechat applet may be set on a terminal of a merchant, for example, the wechat applet may run on a terminal of a user, and when ticket recognition is required, the ticket recognition application performs ticket recognition.

In some implementations, the ticket-bearing information includes at least one of: the method comprises the steps of acquiring bill bearing information in multiple dimensions, determining bill association information in corresponding dimensions, and conveniently establishing and matching corresponding bill processing strategies according to bill ID (for example, serial number of the bill), bill amount (for example, consumption amount of the bill, discount amount, amount participating in conversion and the like), bill printing time, bill printing place, commodities recorded on the bill, wherein the bill bearing information comprises bill holder ID which can be membership card, score card, city card, identity ID and the like of the bill holder.

To improve redemption efficiency and develop ticket processing policies, ticket redemption information associated with the ticket holder includes at least one of: the method comprises the steps of bill amount corresponding to the same bill holder ID, the number of times of bill redemption of the same bill holder ID in preset time and the total amount of bill redemption of the same bill holder ID in preset time. And determining a corresponding bill processing strategy according to the amount and frequency of the bill exchange information associated with the bill holder and the total amount in the preset time so as to avoid risks caused by overlarge amount, overhigh frequency and larger total amount in the preset time, and also appointing the corresponding bill processing strategy to perform corresponding risk prevention and control, thereby improving the reliability and safety of bill data processing.

In the process of processing actual bill data, the condition of low bill confidence degree often occurs, and in order to avoid the exchange risk and problem caused by low bill confidence degree, the relevant rule under the condition of low bill confidence degree can be firstly set, and the low bill confidence degree includes the following situations: and if the bill has a null value and is changed, optimizing a corresponding bill processing strategy according to the condition that the confidence coefficient of the bill is low.

Referring to fig. 2, in some implementations, the ticket processing policy includes S21: and judging whether the bill sum corresponding to the ID of the same bill holder is smaller than a first preset sum. When the sum is less than the first preset amount, S211 is performed: and (4) after the bill is approved, carrying out point exchange. When the sum is greater than or equal to the first preset amount, S212 is performed: and executing bill refund processing or performing secondary verification. For example, the first preset amount can be properly reduced, when the value of the bill amount corresponding to the same bill holder ID is small, the checking can be directly passed, the exchange efficiency is improved, and meanwhile, the large-amount bill amount is prevented from being counterfeited by refuting the large-amount bill amount or checking the large-amount bill amount for the second time.

Referring to fig. 3, in some implementations, the processing is performed by S22: and judging whether the number of times that the bills with the same bill ID are identified by different bill holders is greater than a second preset number of times. When the number of times is greater than the second preset number of times, executing S222: and (5) bill refuting treatment or secondary auditing. When the number of times is less than or equal to the second preset number of times, executing S221: and (4) after the bill is approved, carrying out point exchange. The second preset number of times can be set to 1, when the bill identification and exchange process is continuously carried out after the bill with the same bill ID is exchanged, the continuous exchange of the bill with the same bill ID is rejected, or the exchange number of the bill with the same bill ID and the ID of a bill holder carrying out the exchange are secondarily checked, so that the repeated exchange is prevented; in some cases, in order to encourage family consumption or friend consumption and improve user stickiness, the bills with the same bill ID can be set to be redeemed for a plurality of times by different IDs, so as to improve the liveness of different bill holders ID, the second preset number can be set to be N, N is greater than or equal to 2, and N is a positive integer, and in order to prevent malicious redemption, the numerical value of the second preset number can be reasonably set.

Referring to fig. 4 and 5, in order to ensure that the redemption frequency and the redemption amount value within the preset time of the same ticket holder ID are within the normal range and the risk controllable range, step S23 may be further performed: and judging whether the number of times of exchanging the bills for the points of the same bill holder ID in a preset time is greater than a first preset number of times. When the number of times is greater than the first preset number of times, executing S232: and executing corresponding bill refund processing or performing secondary verification. When the number of times is less than or equal to the first preset number of times, executing S231: and (4) after the bill is approved, carrying out point exchange. For example, the situation that the bills are automatically checked and passed by utilizing a first preset amount of money is prevented from occurring, then the scores are exchanged for malicious high-frequency times is avoided, when the number of times that the same bill holder ID exchanges the scores within a preset time is larger than a first preset number of times, risk management and control are performed, corresponding bill refunding processing is performed according to the situation, and secondary checking can be performed to avoid repeated exchange under a normal condition. Alternatively, step S24 may be performed: and judging whether the total sum of the bill exchange points of the same bill holder ID in a preset time is larger than a second preset sum. When the sum is greater than the second preset amount, executing S242: and executing corresponding bill refund processing or performing secondary verification. When the sum is less than or equal to the second preset amount, executing S241: and (4) after the bill is approved, carrying out point exchange. The method comprises the steps of setting a threshold value of the total amount of the points in unit time, namely setting a second preset amount, carrying out risk control when the exchange amount of the ID of the same bill holder exceeds the second preset amount, executing corresponding bill refund processing according to conditions, or carrying out secondary verification, wherein the secondary verification can comprise a manual verification mode, for example, a background database or a terminal sends a request, the manual verification mode intervenes, and the bill carrying information, the bill holder information and the bill associated characteristic information are verified.

Referring to fig. 6, in order to prevent the low confidence ticket amount from affecting the point redemption, step S25 may be further performed: and judging whether the confidence of the bill is low and the bill amount is larger than a third preset amount. When the confidence of the bill is low and the amount of the bill is greater than the third preset amount, S252 is executed: and executing corresponding bill refund processing or performing secondary verification. When the amount is less than or equal to the third preset amount, or the confidence is high, S251 is executed: and (4) after the bill is approved, carrying out point exchange. The third preset amount can be set, for example, the numerical value of the third preset amount is set to be lower, once the bill confidence coefficient is low, the bill refunding processing is executed, or secondary auditing is performed, the bill with low bill confidence coefficient is prevented from being exchanged, and the purpose of risk prevention and control is achieved.

Referring to fig. 7, embodiment 2 provides a ticket data processing system, including: the system comprises a user identification module 1, a payment processing module and a payment processing module, wherein the user identification module is used for acquiring payment information corresponding to a bill to be identified and determining user identification information corresponding to the payment information; the bill identification module 2 is used for identifying a bill to be identified and acquiring bill bearing information of the bill to be identified; and the bill processing strategy module 3 is used for determining bill associated characteristic information according to the user identification information and the bill bearing information, and determining a corresponding bill processing strategy according to the bill associated characteristic information. In some implementations, the subscriber identity module 1 and the ticket identity module 2 may be disposed at a mobile terminal, for example, the subscriber identity module 1 and the ticket identity module 2 may be disposed at a mobile terminal of a merchant, and a ticket holder completes ticket identity through the mobile terminal of the merchant, and for example, the subscriber identity module 1 and the ticket identity module 2 may also be disposed at the mobile terminal of the ticket holder; the user identification module 1 and the bill identification module 2 can also form a fixed setting with a gate and the like. When the bill holder needs to identify the bill, the process is finished at the gate; after the bill identification is completed, the bill bearing information is obtained, the collection of the bill associated characteristic information can be completed locally in the bill identification module 2, and the collection of the bill associated characteristic can be completed through the cloud server by arranging the cloud server in the bill identification module 2. Appointing a corresponding bill processing strategy according to the bill association characteristic information, exchanging the bill, completing automatic exchange, and avoiding low efficiency and high error rate caused by manual exchange; and the bill bearing information is directly associated with the user identification information, and the bill associated characteristic information is directly associated with the bill bearing information and the user identification information, so that the information security of transmission, conversion, correspondence and storage of the associated characteristic information is improved.

In implementation, the ticket correlation characteristic information includes at least one of: ticket holder information corresponding to the ticket (e.g., match information between the ticket and the ticket holder), ticket redemption information associated with the ticket holder (e.g., relationship between the ticket holder and the amount of the ticket, or redemption points), ticket confidence (e.g., confidence in the authenticity of the ticket and related information), number of ticket identifications; by subdividing the associated characteristic information of the bills and matching the subdivided associated information of the bills, the high-efficiency and high-reliability bill point redemption is realized.

In other implementation processes, the ticket identification application program may further use a wechat applet, where the wechat applet has an API for calling a cloud ticket identification function module, for example, the wechat applet may be set on a terminal of a merchant, for example, the wechat applet may run on a terminal of a user, and when ticket identification is required, the ticket identification application program performs ticket identification.

In practice, the ticket bearing information includes at least one of: the method comprises the steps that bill ID (for example, serial number of a bill), bill amount (for example, consumption amount of the bill, discount amount, amount participating in redemption and the like), bill printing time, bill printing place, commodities recorded on the bill, and through multi-dimensional collection of bill bearing information, corresponding-dimensional bill association information is determined, so that corresponding bill processing strategies can be conveniently formulated and matched, and the bill holder information comprises the bill holder ID.

Referring to fig. 2, in the implementation process, the ticket processing policy includes S21: and judging whether the bill sum corresponding to the ID of the same bill holder is smaller than a first preset sum. When the sum is less than the first preset amount, S211 is performed: and (4) after the bill is approved, carrying out point exchange. When the sum is greater than or equal to the first preset amount, S212 is performed: and executing bill refund processing or performing secondary verification. For example, the first preset amount can be properly reduced, when the value of the bill amount corresponding to the same bill holder ID is small, the checking can be directly passed, the exchange efficiency is improved, and meanwhile, the large-amount bill amount is prevented from being counterfeited by refuting the large-amount bill amount or checking the large-amount bill amount for the second time.

In some implementations, by S22: and judging whether the number of times that the bills with the same bill ID are identified by different bill holders is greater than a second preset number of times. When the number of times is greater than the second preset number of times, executing S222: and (5) bill refuting treatment or secondary auditing. When the number of times is less than or equal to the second preset number of times, executing S221: and (4) after the bill is approved, carrying out point exchange. The second preset number of times can be set to 1, when the bills with the same bill ID are exchanged, the bills with the same bill ID are rejected to be continuously exchanged, or the exchange number of times of the bills with the same bill ID and the ID of a bill holder who carries out the exchange are checked for the second time, so that the repeated exchange is prevented; in some cases, in order to encourage family consumption or relatives and friends consumption and improve user stickiness, the bills with the same bill ID can be set to be exchanged for a plurality of times with different IDs, so as to improve the activity of different bill holders ID, the second preset number can be set to be N, N is greater than or equal to 2, N is a positive integer, and in order to prevent malicious exchange, the numerical value of the second preset number can be reasonably set.

In order to ensure that the redemption frequency and the redemption amount value within the preset time of the same ticket holder ID are within the normal range and the risk controllable range, the step S23 may be further performed: and judging whether the number of times of exchanging the bills for the points of the same bill holder ID in a preset time is greater than a first preset number of times. When the number of times is greater than the first preset number of times, executing S232: and executing corresponding bill refund processing or performing secondary verification. When the number of times is less than or equal to the first preset number of times, executing S231: and (4) after the bill is approved, carrying out point exchange. For example, the situation that the bill is automatically checked to pass by using a first preset amount of money is prevented from occurring, and then the points are exchanged for malicious high-frequency times, when the number of times that the same bill holder ID exchanges the points within a preset time is larger than the first preset number of times, risk management and control are performed, and corresponding bill refunding processing is executed or secondary checking is performed according to the situation. Alternatively, step S24 may be performed: and judging whether the total sum of the bill exchange points of the same bill holder ID in a preset time is larger than a second preset sum. When the sum is greater than the second preset amount, executing S242: and executing corresponding bill refund processing or performing secondary verification. When the sum is less than or equal to the second preset amount, executing S241: and (4) after the bill is approved, carrying out point exchange. The method comprises the steps of setting a threshold value of the total amount of the points in unit time, namely setting a second preset amount, carrying out risk control when the exchange amount of the ID of the same bill holder exceeds the second preset amount, executing corresponding bill refund processing according to conditions, or carrying out secondary verification, wherein the secondary verification can comprise a manual verification mode, for example, a background database or a terminal sends a request, the manual verification mode intervenes, and the bill carrying information, the bill holder information and the bill associated characteristic information are verified.

In order to prevent the lower confidence ticket amount from affecting the point redemption, step S25 may also be performed: and judging whether the confidence of the bill is low and the bill amount is larger than a third preset amount. When the confidence of the bill is low and the amount of the bill is greater than the third preset amount, S252 is executed: and executing corresponding bill refund processing or performing secondary verification. When the amount is less than or equal to the third preset amount, or the confidence is high, S251 is executed: and (4) after the bill is approved, carrying out point exchange. The third preset amount can be set, for example, the numerical value of the third preset amount is set to be lower, once the bill confidence coefficient is low, the bill refunding processing is executed, or secondary auditing is performed, the bill with low bill confidence coefficient is prevented from being exchanged, and the purpose of risk prevention and control is achieved.

In this embodiment, the bill data processing method and apparatus executes the above system or method, and specific functions and technical effects are as described in the above embodiments, and are not described herein again.

Other embodiments of the present application also provide an apparatus, which may include: one or more processors; and one or more machine readable media having instructions stored thereon that, when executed by the one or more processors, cause the apparatus to perform the method of fig. 1. In practical applications, the device may be used as a terminal device, and may also be used as a server, where examples of the terminal device may include: the mobile terminal includes a smart phone, a tablet computer, an electronic book reader, an MP3 (Moving Picture Experts Group Audio Layer III) player, an MP4 (Moving Picture Experts Group Audio Layer IV) player, a laptop, a vehicle-mounted computer, a desktop computer, a set-top box, an intelligent television, a wearable device, and the like.

The present embodiment also provides a non-volatile readable storage medium, where one or more modules (programs) are stored in the storage medium, and when the one or more modules are applied to a device, the device may be enabled to execute instructions (instructions) of steps included in the ticket data processing method in fig. 1 to 6 according to the present embodiment.

Fig. 8 is a schematic diagram of a hardware structure of a terminal device according to an embodiment of the present application. As shown, the terminal device may include: an input device 1100, a first processor 1101, an output device 1102, a first memory 1103, and at least one communication bus 1104. The communication bus 1104 is used to implement communication connections between the elements. The first memory 1103 may include a high-speed RAM memory, and may also include a non-volatile storage NVM, such as at least one disk memory, and the first memory 1103 may store various programs for performing various processing functions and implementing the method steps of the present embodiment.

Alternatively, the first processor 1101 may be, for example, a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), a Digital Signal Processor (DSP), a Digital Signal Processing Device (DSPD), a Programmable Logic Device (PLD), a Field Programmable Gate Array (FPGA), a controller, a microcontroller, a microprocessor, or other electronic components, and the first processor 1101 is coupled to the input device 1100 and the output device 1102 through a wired or wireless connection.

Optionally, the input device 1100 may include a variety of input devices, such as at least one of a user-oriented user interface, a device-oriented device interface, a software programmable interface, a camera, and a sensor. Optionally, the device interface facing the device may be a wired interface for data transmission between devices, or may be a hardware plug-in interface (e.g., a USB interface, a serial port, etc.) for data transmission between devices; optionally, the user-facing user interface may be, for example, a user-facing control key, a voice input device for receiving voice input, and a touch sensing device (e.g., a touch screen with a touch sensing function, a touch pad, etc.) for receiving user touch input; optionally, the programmable interface of the software may be, for example, an entry for a user to edit or modify a program, such as an input pin interface or an input interface of a chip; the output devices 1102 may include output devices such as a display, audio, and the like.

In this embodiment, the processor of the terminal device includes a function for executing each module of the speech recognition apparatus in each device, and specific functions and technical effects may refer to the above embodiments, which are not described herein again.

Fig. 9 is a schematic hardware structure diagram of a terminal device according to an embodiment of the present application. FIG. 9 is a specific embodiment of the implementation of FIG. 8. As shown, the terminal device of the present embodiment may include a second processor 1201 and a second memory 1202.

The second processor 1201 executes the computer program code stored in the second memory 1202 to implement the method described in fig. 4 in the above embodiment.

The second memory 1202 is configured to store various types of data to support operations at the terminal device. Examples of such data include instructions for any application or method operating on the terminal device, such as messages, pictures, videos, and so forth. The second memory 1202 may include a Random Access Memory (RAM) and may also include a non-volatile memory (non-volatile memory), such as at least one disk memory.

Optionally, a second processor 1201 is provided in the processing assembly 1200. The terminal device may further include: communication component 1203, power component 1204, multimedia component 1205, speech component 1206, input/output interfaces 1207, and/or sensor component 1208. The specific components included in the terminal device are set according to actual requirements, which is not limited in this embodiment.

The processing component 1200 generally controls the overall operation of the terminal device. The processing assembly 1200 may include one or more second processors 1201 to execute instructions to perform all or part of the steps of the data processing method described above. Further, the processing component 1200 can include one or more modules that facilitate interaction between the processing component 1200 and other components. For example, the processing component 1200 can include a multimedia module to facilitate interaction between the multimedia component 1205 and the processing component 1200.

The power supply component 1204 provides power to the various components of the terminal device. The power components 1204 may include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for the terminal device.

The multimedia components 1205 include a display screen that provides an output interface between the terminal device and the user. In some embodiments, the display screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the display screen includes a touch panel, the display screen may be implemented as a touch screen to receive an input signal from a user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide operation.

The voice component 1206 is configured to output and/or input voice signals. For example, the voice component 1206 includes a Microphone (MIC) configured to receive external voice signals when the terminal device is in an operational mode, such as a voice recognition mode. The received speech signal may further be stored in the second memory 1202 or transmitted via the communication component 1203. In some embodiments, the speech component 1206 further comprises a speaker for outputting speech signals.

The input/output interface 1207 provides an interface between the processing component 1200 and peripheral interface modules, which may be click wheels, buttons, etc. These buttons may include, but are not limited to: a volume button, a start button, and a lock button.

The sensor component 1208 includes one or more sensors for providing various aspects of status assessment for the terminal device. For example, the sensor component 1208 may detect an open/closed state of the terminal device, relative positioning of the components, presence or absence of user contact with the terminal device. The sensor assembly 1208 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact, including detecting the distance between the user and the terminal device. In some embodiments, the sensor assembly 1208 may also include a camera or the like.

The communication component 1203 is configured to facilitate communications between the terminal device and other devices in a wired or wireless manner. The terminal device may access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof. In one embodiment, the terminal device may include a SIM card slot therein for inserting a SIM card therein, so that the terminal device may log onto a GPRS network to establish communication with the server via the internet.

As can be seen from the above, the communication component 1203, the voice component 1206, the input/output interface 1207 and the sensor component 1208 involved in the embodiment of fig. 9 can be implemented as the input device in the embodiment of fig. 8.

The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.

Claims

1. A bill data processing method based on a payment system is characterized by comprising the following steps:

acquiring payment information corresponding to a bill to be identified, and determining user identification information corresponding to the payment information;

identifying a bill to be identified, and acquiring bill bearing information of the bill to be identified;

determining bill associated characteristic information according to the user identification information and the bill bearing information;

and determining a corresponding bill processing strategy according to the bill association characteristic information.

2. The payment system based ticket data processing method of claim 1,

the ticket associated characteristic information comprises at least one of the following: bill holder information corresponding to the bill, bill redemption information associated with the bill holder, bill confidence, number of bill identifications.

3. The payment system based ticket data processing method of claim 2, wherein said user identification information comprises at least one of: a user ID; a user name; and (4) the human face characteristics of the user.

4. The payment system based ticket data processing method of claim 2, wherein said ticket bearing information comprises at least one of: bill ID, bill amount, bill printing time, bill printing place, and merchandise recorded on the bill.

5. The payment system-based ticket data processing method of claim 4, wherein the ticket holder information comprises a ticket holder ID.

6. The payment system based ticket data processing method of claim 5, wherein the ticket redemption information associated with the ticket holder comprises at least one of:

7. The payment system based ticket data processing method of claim 2, wherein said low ticket confidence comprises the following: the ticket has null value and the ticket is changed.

8. The payment system-based bill data processing method according to claim 6, wherein if the bill amount corresponding to the same bill holder ID is smaller than a first preset amount, the bill is approved for verification and the point is exchanged.

9. The payment system-based ticket data processing method of claim 5, wherein if the number of times that the ticket of the same ticket ID is recognized by different ticket holder IDs is more than a second preset number of times, a ticket refund process is performed or a secondary audit is performed.

10. The payment system-based ticket data processing method of claim 6, wherein the number of times the same ticket holder ID is exchanged for the point within a preset time is more than a first preset number of times; or if the total sum of the bill exchange points of the same bill holder ID is larger than a second preset amount within a preset time, executing bill refund processing or performing secondary verification.

11. The payment system-based bill data processing method according to claim 7, wherein if the confidence of the bill is low and the amount of the bill is greater than a third preset amount, bill refund processing is performed or secondary auditing is performed.

12. The payment system based ticket data processing method of claim 1, wherein the ticket to be recognized is recognized by a ticket recognition application; wherein the bill identification application is: the device comprises a merchant APP, wherein a bill identification function module is arranged in the merchant APP.

13. The payment system based ticket data processing method of claim 1, wherein the ticket to be recognized is recognized by a ticket recognition application; wherein the bill identification application is: and the WeChat applet comprises an API for calling the cloud bill identification function module.

14. A payment system based instrument data processing system, comprising:

the user identification module is used for acquiring payment information corresponding to a bill to be identified and determining user identification information corresponding to the payment information;

the bill identification module is used for identifying a bill to be identified and acquiring bill bearing information of the bill to be identified;

and the bill processing strategy module is used for determining bill associated characteristic information according to the user identification information and the bill bearing information and determining a corresponding bill processing strategy according to the bill associated characteristic information.

15. The payment system based ticket data processing system of claim 14,

16. The payment system based ticket data processing system of claim 15, wherein said user identification information comprises at least one of: a user ID; a user name; and (4) the human face characteristics of the user.

17. The payment system based ticket data processing system of claim 15, wherein said ticket bearing information comprises at least one of: bill ID, bill amount, bill printing time, bill printing place, and merchandise recorded on the bill.

18. The payment system based ticket data processing system of claim 17 wherein the ticket holder information comprises a ticket holder ID.

19. The payment system based ticket data processing system of claim 18 wherein the ticket redemption information associated with the ticket holder comprises at least one of:

20. The payment system based instrument data processing system of claim 15, wherein the low instrument confidence comprises the following: the ticket has null value and the ticket is changed.

21. The payment system based ticket data processing system of claim 19, wherein if the amount of the ticket corresponding to the same ticket holder ID is less than a first preset amount, the ticket audit is passed and the point is redeemed.

22. The payment system based ticket data processing system of claim 18, wherein if the number of times that the ticket of the same ticket ID is recognized by the different ticket holder ID is more than a second preset number of times, the ticket refund process is performed or a secondary audit is performed.

23. The payment system based ticket data processing system of claim 19, wherein the number of times the same ticket holder ID is redeemed for credits within a preset time is greater than a first preset number of times; or if the total sum of the bill exchange points of the same bill holder ID is larger than a second preset amount within a preset time, executing bill refund processing or performing secondary verification.

24. The payment system based ticket data processing system of claim 20, wherein if the ticket confidence is low and the ticket amount is greater than a third preset amount, a ticket refund process is performed or a secondary audit is performed.

25. The payment system based ticket data processing system of claim 14 wherein the ticket to be recognized is recognized by a ticket recognition application; wherein the bill identification application is: the device comprises a merchant APP, wherein a bill identification function module is arranged in the merchant APP.

26. The payment system based ticket data processing system of claim 14 wherein the ticket to be recognized is recognized by a ticket recognition application; wherein the bill identification application is: and the WeChat applet comprises an API for calling the cloud bill identification function module.

27. An apparatus, comprising:

one or more processors; and

one or more machine-readable media having instructions stored thereon that, when executed by the one or more processors, cause the apparatus to perform the method recited by one or more of claims 1-13.

28. One or more media having instructions stored thereon that, when executed by one or more processors, cause an apparatus to perform the method of one or more of claims 1-13.