CN111598690A - Bill transaction method based on electronic insurance - Google Patents
Bill transaction method based on electronic insurance Download PDFInfo
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- CN111598690A CN111598690A CN202010307673.7A CN202010307673A CN111598690A CN 111598690 A CN111598690 A CN 111598690A CN 202010307673 A CN202010307673 A CN 202010307673A CN 111598690 A CN111598690 A CN 111598690A
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Abstract
The invention discloses a bill transaction method based on an electronic insurance policy, wherein an enterprise account logs in a platform to upload bills, and the platform identifies bill information; the platform acquires login information of an enterprise account and a user account; the platform acquires a bill guarantee application of a user account, examines the bill guarantee application, inquires the authorization state of a corresponding bill after the examination is passed, if the bill guarantee application is authorized, the platform directly issues the bill, if the bill guarantee application is not authorized, an authorization request is sent to an enterprise account, and the platform issues the bill guarantee application after receiving authorization information of the enterprise account; after the issuance is successful, sending a guarantee letter issuance success notification to the enterprise account and the user account; the platform sends a ticket guarantee to the user. The invention establishes a guarantee channel between the core enterprise and the user account through the platform, so that the user account can obtain the bill guarantee letter from the enterprise account registered by the platform in a guarantee mode. And OCR recognition technology is used in a matching way.
Description
Technical Field
The invention relates to a bill transaction method, in particular to a bill transaction method based on an electronic insurance policy.
Background
Acceptance draft refers to a draft in which acceptance procedures have been performed. That is, in a transaction event, a seller issues a draft to request payment from a purchaser, and a payer indicates an acceptance and signature on the draft to confirm payment due. The payer becomes the recipient of the draft after acceptance. The money order accepted by the purchaser is called commercial acceptance draft, and the money order accepted by the bank is called bank acceptance draft.
The prior art lacks a guarantee platform transaction method capable of interfacing users and core enterprises, and in the process of bill guarantee transaction, the bill face elements required for signing the insurance policy are numerous, the manual input is time-consuming and labor-consuming, and errors are easy to occur.
The present invention is therefore directed to providing a method of establishing a secured transaction between an enterprise account and a user account, and which enables direct identification of billing information.
Disclosure of Invention
The above purpose of the invention is realized by the following technical scheme:
the invention discloses a bill transaction method based on an electronic insurance policy, wherein an enterprise account logs in a platform to upload bills, and the platform identifies bill information; the platform acquires login information of an enterprise account and a user account; the platform acquires a bill guarantee application of a user account, examines the bill guarantee application, inquires the authorization state of a corresponding bill after the examination is passed, if the bill guarantee application is authorized, the platform directly issues the bill, if the bill guarantee application is not authorized, an authorization request is sent to an enterprise account, and the platform issues the bill guarantee application after receiving authorization information of the enterprise account; after the issuance is successful, sending a guarantee letter issuance success notification to the enterprise account and the user account; the platform sends a ticket guarantee to the user.
The electronic insurance policy-based ticket transaction method as described above, wherein the enterprise account authorizes the uploaded ticket.
The electronic insurance policy-based bill transaction method comprises the steps that the platform acquires registration and login information of an enterprise account, the platform acquires authentication information of the enterprise account and performs verification, if the verification is passed, the platform sends a cooperation agreement to the enterprise account, and after the platform acquires the cooperation agreement signed by the enterprise account, the enterprise account is registered as a core enterprise.
The electronic insurance policy-based bill transaction method as described above, wherein the platform acquiring the bill information and the authorization information of the enterprise account includes: inputting bill information into an enterprise account and signing a bill authorization book to a platform, and acquiring the bill authorization book by the platform; the enterprise account and the platform sign an electronic signature authorization book, and the platform signs by using the electronic signature; the ticket authority includes: and adopting an online mass signing third-party electronic contract.
The electronic insurance policy-based bill transaction method comprises the steps that after a platform obtains a request for a bill insurance policy of a user account, application information is checked; after the examination and verification are passed, whether the corresponding bill information has the authorization information of the enterprise account is inquired, if so, the bill information is issued, and if not, an authorization request is sent to the enterprise account; and if the authorization of the enterprise account is received, the platform is input, and the operation of inquiring whether the corresponding bill information has the authorization information of the enterprise account is repeatedly carried out.
The electronic insurance policy-based ticket transaction method as described above, wherein the issuing success includes: and adopting an online mass signing third-party electronic contract.
The electronic insurance policy-based bill transaction method comprises the steps that after a guarantee letter issuance success notice is sent, the platform inquires whether a user account holding the previous hand has existed or not, and if so, a guarantee letter failure statement is sent to the user account holding the previous hand.
The electronic insurance policy based bill transaction method is characterized in that the platform generates the insurance policy authorization book after acquiring the bill authorization book, and the enterprise account downloads the insurance policy authorization book.
The electronic insurance policy-based bill transaction method is characterized in that after the platform sends the bill insurance policy to the user, the user obtains the authority of downloading the insurance policy and the authority of viewing the bill information.
The electronic insurance policy-based bill transaction method is characterized in that the enterprise account and the platform sign an electronic signature authorization book, and the platform signs by using the electronic signature.
The electronic insurance policy-based bill transaction method comprises the following steps that an enterprise account uploads a bill picture to a platform, the platform carries out OCR recognition, and the following bill information is obtained: 30-bit long bill number, acceptor full name, acceptor line number, bill amount, drawer full name, receiver full name, expiration date and ticket date.
In summary, by adopting the above technical scheme, the invention establishes a guarantee channel between the core enterprise and the user account through the platform, so that the user account can acquire the bill guarantee from the enterprise account registered by the platform in a guarantee manner. Moreover, an OCR recognition technology is used in a matched mode, the bill information uploaded by the enterprise account is recognized through OCR recognition, the complexity of bill information uploading of a user is reduced, and the problem of errors caused by manual input is effectively solved.
Drawings
FIG. 1 is a flow chart of the electronic insurance policy-based ticket transaction method of the present invention.
Detailed Description
The invention is further described below with reference to the following figures and examples:
fig. 1 is a flow chart of the electronic insurance policy-based bill transaction method of the present invention, please refer to fig. 1, a electronic insurance policy-based bill transaction method, wherein an enterprise account logs in a platform to upload bills, and the platform identifies bill information; the platform acquires login information of an enterprise account and a user account; the platform acquires a bill guarantee application of a user account, examines the bill guarantee application, inquires the authorization state of a corresponding bill after the examination is passed, if the bill guarantee application is authorized, the platform directly issues the bill, if the bill guarantee application is not authorized, an authorization request is sent to an enterprise account, and the platform issues the bill guarantee application after receiving authorization information of the enterprise account; after the issuance is successful, sending a guarantee letter issuance success notification to the enterprise account and the user account; the platform sends a ticket guarantee to the user. The invention acquires the information of the bill by an OCR recognition mode, thereby avoiding the problems of complex operation and easy error caused by the traditional input mode. The enterprise account uploads a scanned piece or a clear photo of the bill to the platform, and the platform can perform OCR recognition.
Further, the enterprise account uploads a bill picture to the platform, and the platform performs OCR recognition to acquire the following bill information: 30-bit long bill number, acceptor full name, acceptor line number, bill amount, drawer full name, receiver full name, expiration date and ticket date. The recognition accuracy rate of the OCR recognition technology can reach 99.9%, and the problems of difficult acquisition of acceptance draft information, incomplete information acquisition, low bill information accuracy rate and the like are perfectly solved.
Further, the business account logs in the platform to upload the bill, and the enterprise account authorizes the uploaded bill.
In the specific implementation process of the invention, two bill guarantee authorization modes can be provided for the enterprise account registered on the platform, one mode is that the enterprise account applies for the bill guarantee according to the bill guarantee submitted by the user, the platform issues after the enterprise account is authorized, the other mode is that the enterprise directly authorizes the platform, and the bill guarantee application of the user account is directly authorized to the user account by the platform after being audited by the platform.
Further, the platform acquires registration and login information of the enterprise account, acquires authentication information of the enterprise account and performs auditing, if the auditing is passed, the platform sends a cooperation agreement to the enterprise account, and after acquiring the cooperation agreement signed by the enterprise account, the platform registers the enterprise account as a core enterprise.
Further, if the authentication of the enterprise account does not pass the platform audit, the enterprise account needs to submit the authentication information again, and the platform performs the audit again.
Furthermore, the enterprise account records information such as e-mails and mobile phone numbers in the platform, so that the platform can conveniently inform the enterprise account of the notification message in the form of e-mails or mobile phone short messages.
Further, the platform acquiring the bill information and the authorization information of the enterprise account includes: inputting bill information into an enterprise account and signing a bill authorization book to a platform, and acquiring the bill authorization book by the platform; the ticket authority includes: and adopting an online mass signing third-party electronic contract.
Furthermore, after the enterprise account passes the platform audit, the enterprise account and the platform sign an electronic signature authorization book, and the platform signs by using the electronic signature. The platform is agreed with the enterprise account, and the electronic signature has the same legal effectiveness as the hand-written signature or seal on the paper contract, and no additional contract or document is required to be signed. The generated electronic signature of the enterprise account is used in generating the vouch-for and vouch-for statements. Upon validation of the protocol using the electronic signature, the vouch-for and vouch-for invalidation statements occur in the enterprise account,
further, after acquiring the application of the bill guarantee letter of the user account, the platform checks the application information; after the examination and verification are passed, whether the corresponding bill information has the authorization information of the enterprise account is inquired, if so, the bill information is issued, and if not, an authorization request is sent to the enterprise account; and if the authorization of the enterprise account is received, the platform is input, and the operation of inquiring whether the corresponding bill information has the authorization information of the enterprise account is repeatedly carried out.
Specifically, the enterprise account can log in the platform to view the entered bill information, and perform an operation of authorizing or cancelling the authorization for all the bill information.
The successful issue comprises the following steps: and adopting an online mass signing third-party electronic contract. And the third-party electronic contract is signed by adopting the electronic signature of the enterprise account.
Further, after the guarantee letter issuance success notification is sent, the platform inquires whether the user account holding the ticket in the previous hand exists, and if so, a guarantee letter failure statement is sent to the user account holding the ticket in the previous hand.
Further, the platform generates a guarantee bond authorization book after acquiring the bill authorization book, and the enterprise account downloads the guarantee bond authorization book. Meanwhile, the platform sends the guarantee function authorization to the mailbox bound to the enterprise account, and the guarantee function authorization is attached to the mail in an attachment mode, so that the operation and downloading of related personnel of an enterprise user are facilitated.
Further, after the platform sends the bill guarantee to the user, the user obtains the authority of downloading the guarantee and the authority of checking the bill information.
Specifically, in one embodiment of the present invention, the present invention may operate according to the following process:
the enterprise account is registered in a user name and password mode, and a real mobile phone number is used during registration.
After the registration is completed, logging in, filling in enterprise information, a mailbox and the like, and the platform background verifies the information filled in the enterprise account.
After the platform is approved, the enterprise account becomes a core enterprise of platform authentication, and the platform and the enterprise account sign an electronic signature authorization book, so that the enterprise account can perform the operations of filling and uploading of bill information and authorization. The enterprise account can be actively uploaded and authorized by the bill information, and can also be authorized according to a request given by the platform.
And after the ordinary user account is also required to be registered and logged in, the user enters the platform.
And after the examination is passed, the platform inquires whether the bill corresponding to the bill guarantee is authorized to the platform.
If the state is authorized, the platform directly sends a guarantee letter signing success notice to the enterprise account and the user account, if the state is unauthorized, the platform informs the enterprise account to carry out authorization operation, the enterprise account logs in the platform to carry out authorization or refuse authorization, the authorization is refused to fill in reason information, and the platform informs the authorization result to the user account.
If the user account is authorized, a download of the ticket vouching guarantee may occur.
The foregoing detailed description of the preferred embodiments of the invention has been presented. It should be understood that many modifications and variations can be made by those skilled in the art in light of the above teachings without the use of inventive faculty, or by software programming. Therefore, the technical solutions available to those skilled in the art through logic analysis, reasoning and limited experiments based on the prior art according to the concept of the present invention should be within the scope of protection defined by the claims.
Claims (10)
1. A bill transaction method based on electronic insurance policy is characterized in that an enterprise account logs in a platform to upload bills, and the platform identifies bill information; the platform acquires login information of an enterprise account and a user account; the platform acquires a bill guarantee application of a user account, examines the bill guarantee application, inquires the authorization state of a corresponding bill after the examination is passed, if the bill guarantee application is authorized, the platform directly issues the bill, if the bill guarantee application is not authorized, an authorization request is sent to an enterprise account, and the platform issues the bill guarantee application after receiving authorization information of the enterprise account; after the issuance is successful, sending a guarantee letter issuance success notification to the enterprise account and the user account; the platform sends a ticket guarantee to the user.
2. The electronic insurance policy-based ticket transaction method according to claim 1, wherein the enterprise account authorizes the uploaded ticket.
3. The electronic insurance policy-based bill transaction method according to claim 1, wherein the platform acquires registration and login information of the enterprise account, the platform acquires authentication information of the enterprise account and performs auditing, if the auditing is passed, the platform sends a cooperation agreement to the enterprise account, and after the platform acquires the cooperation agreement signed by the enterprise account, the enterprise account is registered as a core enterprise.
4. The electronic insurance policy-based ticket transaction method according to claim 1, wherein the platform acquiring the ticket information and authorization information of the enterprise account comprises: inputting bill information into an enterprise account and signing a bill authorization book to a platform, and acquiring the bill authorization book by the platform; the enterprise account and the platform sign an electronic signature authorization book, and the platform signs by using the electronic signature; the ticket authority includes: and adopting an online mass signing third-party electronic contract.
5. The electronic insurance policy-based ticket transaction method according to claim 1, wherein the platform checks the application information after acquiring the application of the ticket bond insurance policy of the user account; after the examination and verification are passed, whether the corresponding bill information has the authorization information of the enterprise account is inquired, if so, the bill information is issued, and if not, an authorization request is sent to the enterprise account; and if the authorization of the enterprise account is received, the platform is input, and the operation of inquiring whether the corresponding bill information has the authorization information of the enterprise account is repeatedly carried out.
6. The electronic insurance policy-based ticket transaction method according to claim 1, wherein the issuing success comprises: and adopting an online mass signing third-party electronic contract.
7. The electronic insurance policy-based ticket transaction method of claim 1 wherein after sending a guarantee bond issuance success notification, the platform queries whether there is a previous ticket user account and if so, sends a guarantee bond invalidation statement to the previous ticket user account.
8. The electronic insurance policy-based ticket transaction method of claim 4 wherein the platform generates the insurance policy authorization after acquiring the ticket authorization and the enterprise account downloads the insurance policy authorization.
9. The electronic insurance policy-based ticket transaction method according to claim 1, wherein after the platform sends the ticket insurance policy to the user, the user obtains the authority to download the insurance policy and the authority to view the ticket information.
10. The electronic insurance policy-based bill transaction method according to claim 1, wherein an enterprise account uploads a bill picture to a platform, and the platform performs OCR recognition to obtain the following bill information: 30-bit long bill number, acceptor full name, acceptor line number, bill amount, drawer full name, receiver full name, expiration date and ticket date.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010307673.7A CN111598690A (en) | 2020-04-17 | 2020-04-17 | Bill transaction method based on electronic insurance |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010307673.7A CN111598690A (en) | 2020-04-17 | 2020-04-17 | Bill transaction method based on electronic insurance |
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| Publication Number | Publication Date |
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| CN111598690A true CN111598690A (en) | 2020-08-28 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN202010307673.7A Pending CN111598690A (en) | 2020-04-17 | 2020-04-17 | Bill transaction method based on electronic insurance |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112580306A (en) * | 2020-11-25 | 2021-03-30 | 江西丰哲科技有限公司 | Method and device for generating insurance letter |
| CN113034267A (en) * | 2021-03-26 | 2021-06-25 | 广东中盈盛达数字科技有限公司 | Electronic letter protection system based on supply chain |
-
2020
- 2020-04-17 CN CN202010307673.7A patent/CN111598690A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112580306A (en) * | 2020-11-25 | 2021-03-30 | 江西丰哲科技有限公司 | Method and device for generating insurance letter |
| CN113034267A (en) * | 2021-03-26 | 2021-06-25 | 广东中盈盛达数字科技有限公司 | Electronic letter protection system based on supply chain |
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