CN112052266A - Acceptance bill exchange record query method - Google Patents

Acceptance bill exchange record query method Download PDF

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CN112052266A
CN112052266A CN202010926706.6A CN202010926706A CN112052266A CN 112052266 A CN112052266 A CN 112052266A CN 202010926706 A CN202010926706 A CN 202010926706A CN 112052266 A CN112052266 A CN 112052266A
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CN112052266B (en
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封飞
张亮
张眙郡
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Sichuan Chuantuoyun Chain Technology Co ltd
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    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
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    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract

The invention discloses a method for inquiring acceptance draft exchange payment record, which comprises the following steps: step 1: acquiring current cashing information of a required accepting person and front and back information of a required bill, and storing the current cashing information and the front and back information in a database; step 2: processing the cashing information acquired in the step 1 and the front and back information of the required bill, and storing the processed cashing information and the front and back information into a database; and step 3: a user initiates an inquiry request for the record to be redeemed, and when the record to be redeemed is in the database, the data processed in the step 2 is directly read from the database or the cache and is sent to a user side for the user to look up; when the cashing record requested to be inquired is not in the database, the user carries out online banking endorsement firstly, and then returns data to the user side for the user to look up after the system finishes grabbing. The invention can enable the user to inquire the latest cashing record every day even after the receipt is signed.

Description

Acceptance bill exchange record query method
Technical Field
The invention relates to the field of acceptance drafts, in particular to an acceptance draft cashing record query method.
Background
The acceptance draft refers to a draft in which acceptance procedures are handled, that is, in a transaction event, a seller signs the draft to ask a purchaser for payment, and a payer notes an acceptance character and a signature for an expired payment. The payer is called the exchange bill after accepting, the purchaser is called the commercial exchange bill, and the bank is called the bank exchange bill.
At present, for the inquiry of the acceptance bill exchange and payment records, a user can only inquire through the internet bank and the bill state is required to be in a state of waiting for receipt, the inquiry data is data in the day provided for a single time, once the bill is received, historical data cannot be inquired, the user can only store the inquiry data before the receipt in a screenshot manner, for the user, the inquiry mode can not meet the requirement of inquiring the exchange and payment records at any time, and for a ticket holder, the risk monitoring can not be continuously carried out on the acceptance person, so that great inconvenience is brought to the user.
Disclosure of Invention
In order to overcome the defects of the prior art, the invention provides a method for inquiring the exchange and payment records of the acceptance draft, which can enable a user to inquire the latest exchange and payment records at any time even after the bill is signed, and solves the problems of difficult inquiry, easy inquiry loss and incapability of inquiring the exchange and payment conditions of a bill acceptor at the user at any time caused by single data of traditional screenshot storage or character form data storage.
The technical scheme adopted by the invention for solving the problems is as follows:
an acceptance bill exchange record query method comprises the following steps:
step 1: acquiring current cashing information of a required accepting person and front and back information of a required bill, and storing the current cashing information and the front and back information in a database;
step 2: processing the cashing information acquired in the step 1 and the front and back information of the required bill, and storing the processed cashing information and the front and back information into a database;
and step 3: a user initiates an inquiry request for the record to be redeemed, and when the record to be redeemed is in the database, the data processed in the step 2 is directly read from the database or the cache and is sent to a user side for the user to look up; when the cashing record requested to be inquired is not in the database, the user carries out online banking endorsement firstly, and then returns data to the user side for the user to look up after the system finishes grabbing.
Further, as a preferred technical scheme, in the step 1, the current cashing information of the required accepting person and the front and back information of the required bill are acquired through a bank-enterprise direct connection system or by adopting an image digitization method for a graphical interface of bank online banking.
Further, as a preferred technical scheme, the specific process of the step 2 is as follows:
step 2-1: performing secondary processing on the information acquired in the step 1 by adopting an eagle eye data algorithm;
step 2-2: according to the requirements of front-end imaging and intelligent logic judgment, automatically removing redundant data and recording abnormal data;
step 2-3: and (4) reducing useless fields, and storing the processed data into a database or a cache.
Further, as a preferred technical scheme, in the step 2-1, the eagle eye data algorithm includes an early warning calculation, and the calculation formula is as follows:
Figure BDA0002668626010000021
in the formula, M1Acceptance and release amount of the seventh day with the current time node, M2Acceptance and release amount of the first day with the current time node, M3The AQ is the increase of the accepting quantity of the accepting person when the AQ is judged to be variable.
Further, as a preferred technical scheme, in the step 2-1, the eagle eye data algorithm further includes a redemption performance calculation, and the expressive force score is obtained through comprehensive calculation according to the proportion of the incremental payment amount in the acceptance amount, and the specific calculation formula is as follows:
Figure BDA0002668626010000022
in the formula, C1、C2、C3、C4、C5、C6Respectively representing the sum of the acceptance and settlement at different time nodes, lc1、lc2、lc3、lc4、lc5、lc6Respectively representing the total amount of the acceptance under the corresponding time node, and PII representing the quantitative relation between the settlement speed of the acceptance bill and the issuing speed of the acceptance bill.
Further, as a preferred technical solution, in the step 2-1, the eagle eye data algorithm further includes a market activity index calculation, and a calculation formula thereof is as follows:
Figure BDA0002668626010000023
in the formula, forecast represents predicted data, actual represents actual data, and t represents time.
Further, as a preferred technical scheme, in the step 2-2, a grading threshold value is set for abnormal data, and different levels of alarm are performed on the abnormal data reaching or exceeding the threshold value, wherein the alarm modes include a station mail, a software popup, an e-mail, a short message and a voice call.
Further, as a preferred technical solution, in step 3, the user side may perform complete display or partial display on the data through the authority control.
Further, as a preferred technical solution, in the step 3, the user can perform classified query according to the data entry time and the name of the recipient.
Compared with the prior art, the invention has the following beneficial effects:
(1) the invention can enable the user to inquire the latest cashing record at any time even after signing a bill, can continuously monitor the risk of the acceptor, is convenient to inquire compared with the traditional screenshot storage or character data storage, does not need to worry about the loss of the saved cashing record, and can inquire the cashing condition of the acceptor of the bill of the user at any time.
(2) According to the invention, by increasing the overdue early warning, the exchange performance, the market activity index and the like through design, the user can judge according to the actual conditions of the user and the acceptance person, the blank that the existing user cannot judge the possible overdue risk of the acceptance person is made up, actual data reference is provided for reducing the exchange risk, and the user can accurately judge whether the acceptance person has the exchange risk.
Drawings
FIG. 1 is a schematic flow chart of the method of the present invention.
Detailed Description
The present invention will be described in further detail with reference to examples and drawings, but the present invention is not limited to these examples.
Examples
As shown in fig. 1, a method for inquiring the cash-in record of the acceptance draft includes the following steps:
step 1: acquiring current cashing information of a required accepting person and front and back information of a required bill, and storing the current cashing information and the front and back information in a database;
step 2: processing the cashing information acquired in the step 1 and the front and back information of the required bill, and storing the processed cashing information and the front and back information into a database;
and step 3: a user initiates an inquiry request for the record to be redeemed, and when the record to be redeemed is in the database, the data processed in the step 2 is directly read from the database or the cache and is sent to a user side for the user to look up; when the cashing record requested to be inquired is not in the database, the user carries out online banking endorsement firstly, and then returns data to the user side for the user to look up after the system finishes grabbing.
In the embodiment, the query data is returned in a segmented manner and cannot be returned at one time, so that the data in the database is sent to the user side in an array form, and the data analysis is facilitated in an array transmission mode; the invention adopts the mode of extracting, processing and storing the current cashing information of the acceptance person and the front and back information of the required bill, so that the user can acquire the cashing record at any time and any place, the problem that the saved cashing record is lost and the cashing record cannot be inquired is solved, the user can still inquire the latest cashing record at any time even after the bill is signed, the risk monitoring can be continuously carried out on the acceptance person, the inquiry is convenient, and the requirement of the user is greatly met.
In the embodiment, various ways are available for acquiring the current redemption information of a required accepting person and the front and back information of a required bill, the system can directly capture and acquire the front and back information of the bill through a bank-enterprise direct connection system, and the capture of the bank-enterprise direct connection system belongs to the prior art; the current cashing information of the required accepting person and the front and back information of the required bill can be obtained by adopting an image digitalization method for the graphical interface of the bank.
In this embodiment, the specific process of processing the redemption information and the front and back information of the required bill is as follows:
step 2-1: performing secondary processing on the information acquired in the step 1 by adopting an eagle eye data algorithm;
step 2-2: according to the requirements of front-end imaging and intelligent logic judgment, automatically removing redundant data and recording abnormal data; the redundant data refers to the situation that after the platform is opened, when the same enterprise checks, a plurality of persons who accept the data can provide the data at the same time, but only one of the persons is actually displayed, and other data are filtered; the abnormal data is that the bank may have an interface problem, the data may be returned to be null data with a small probability, and the abnormal data is the abnormal data which can prompt the user to retry processing.
The front-end graphical requirement refers to data of the graphical display requirement, normal cashing record query cannot meet the data graphical requirement of a user, for example, a curve graph can be drawn only by at least 2-3 data nodes, for example, lifting amplitude data can be drawn only by at least 2 data pairs, and also the traditional cashing record query is a variable graph, and the previous data cannot be recorded, and the graph display cannot be generated.
For example, if bank data is classified for repudiation, the repudiation data of this year and the repudiation data of the last year are inhibited to have intuitive errors, and certainly, the errors may be historical legacy problems. In the existing bank data, the total number of rejected payments in the last year is not changed in fact after the last year is carried out, and the accumulation is returned to the rejected payments in the present year, the query result of each tested bank is the prompt, but the data is wrong data in data analysis.
Step 2-3: and (4) reducing useless fields, and storing the processed data into a database or a cache.
In the step 2-1, the eagle eye data algorithm includes an early warning calculation, and the calculation formula is as follows:
Figure BDA0002668626010000051
in the formula, M1The acceptance and release amount, also called acceptance number of strokes, M, of the seventh day with the current time node2Acceptance and release amount of the first day with the current time node, M3Judging as variable, when the billing time of the enterprise is more than or equal to 1 year, M3Representing the monthly release amount of the same day of the last year of the current time node, and when the enterprise invoicing time is less than 1 year, M3The day when the invoicing amount is more than 100 is taken as a node, and AQ is the acceptance amount of the acceptance person to be accelerated.
In the above calculation method, the AQ (acceptance amount increase rate of the acceptance person) is calculated, so that the acceptance amount increase rate of the acceptance person is intuitively known. When the acceptance rate represented by AQ is too fast, for example, may be more than 60%, even 80%, it may be considered that the acceptance person has a possibility of overdue, that is, the current acceptance amount may exceed the real amount contract, and the later stage may increase the acceptance risk, so as to provide a certain data reference for the user to control the risk, and reduce the risk. Of course, the AQ considers that the possibility of overdose exists for the acceptance person when the AQ is specific, and different users have different judgment standards for different acceptance persons, so that the users can judge according to the actual conditions of the users and the acceptance persons. By adopting the supersending early warning calculation, the blank that the existing user cannot judge the supersending risk possibly existing in the accepting person is made up, actual data reference is provided for reducing the cashing risk, and the method is favorable for the user to accurately judge whether the accepting person has the cashing risk or not, is an important innovation point of the application, can meet the great judgment requirement of the user, and avoids the risk as much as possible for the user.
In step 2-1, the eagle eye data algorithm further comprises a redemption expression calculation, and the expressive force score is obtained through comprehensive calculation according to the proportion of the increment payment amount in the acceptance amount, wherein the specific calculation formula is as follows:
Figure BDA0002668626010000052
in the formula, C1、C2、C3、C4、C5、C6Respectively representing the sum of the acceptance and settlement at different time nodes, lc1、lc2、lc3、lc4、lc5、lc6Respectively representing the total amount of the acceptance at the corresponding time node, representing the quantitative relation between the settlement speed of the acceptance bill and the issuing speed of the acceptance bill, when PII is less than or equal to 1, indicating that the settlement speed of the acceptance bill is greater than the issuing speed of the acceptance bill, and when PII is greater than 1, indicating that the issuing speed of the acceptance bill is too high, and the cashing risk possibly exists, and meanwhile, comprehensively judging whether the acceptance person has the cashing risk at the moment by combining with the early warning of the overdue risk, and providing data support for the judgment of the cashing risk by the user.
In addition, in step 2-1 of the application, the eagle eye data algorithm further comprises market activity index calculation, and the calculation formula is as follows:
Figure BDA0002668626010000061
in the formula, forecast represents predicted data, actual represents actual data, and t represents time.
Forecast is Forecast data, called financing cost for enterprises, comes from crawlers, actual is real data, comes from user transaction background data, and when the background real transaction data (real price) is equal to the same value for a long time, no new transaction is achieved in the market during the description period, and the more frequent the fluctuation is, the more active the market behavior is, the user can judge and evaluate the exchange and payment risk of the contractor according to the market activity index.
In this embodiment, the abnormal data is often caused by an interface problem, and the null data is returned, and once the null data is returned, an alarm is given in a manner of including in-station mail, software popup, email, short message, and voice call, so that the user can perform corresponding operations according to the alarm prompt.
In this embodiment, the user side may completely or partially display the data through the authority control, that is, the user may select the output type, the output amount, and the output mode of the data, so as to satisfy different habits of each user in viewing the data, for example, some users pay attention to the full data and hope to see all the data every day, and some users pay attention to the incremental data and only pay attention to how much the data is increased or decreased every day.
In this embodiment, the user can perform classified query according to the actual business requirements, the data entry time, the name of the acceptance person, and the like.
As described above, the present invention can be preferably realized.
The foregoing is only a preferred embodiment of the present invention, and the present invention is not limited thereto in any way, and any simple modification, equivalent replacement and improvement made to the above embodiment within the spirit and principle of the present invention still fall within the protection scope of the present invention.

Claims (9)

1. An acceptance bill exchange record query method is characterized by comprising the following steps:
step 1: acquiring current cashing information of a required accepting person and front and back information of a required bill, and storing the current cashing information and the front and back information in a database;
step 2: processing the cashing information acquired in the step 1 and the front and back information of the required bill, and storing the processed cashing information and the front and back information into a database;
and step 3: a user initiates an inquiry request for the record to be redeemed, and when the record to be redeemed is in the database, the data processed in the step 2 is directly read from the database or the cache and is sent to a user side for the user to look up; when the cashing record requested to be inquired is not in the database, the user carries out online banking endorsement firstly, and then returns data to the user side for the user to look up after the system finishes grabbing.
2. The method as claimed in claim 1, wherein in step 1, the current redemption information of the required remittance person and the front and back information of the required bill are obtained by a bank-enterprise direct connection system or an image digitization method for a bank online banking graphical interface.
3. The method as claimed in claim 1, wherein the step 2 comprises the following steps:
step 2-1: performing secondary processing on the information acquired in the step 1 by adopting an eagle eye data algorithm;
step 2-2: according to the requirements of front-end imaging and intelligent logic judgment, automatically removing redundant data and recording abnormal data;
step 2-3: and (4) reducing useless fields, and storing the processed data into a database or a cache.
4. The method as claimed in claim 3, wherein in step 2-1, the eagle eye data algorithm comprises an early warning calculation, and the calculation formula is as follows:
Figure FDA0002668623000000011
in the formula, M1Acceptance and release amount of the seventh day with the current time node, M2Acceptance and release amount of the first day with the current time node, M3The AQ is the increase of the accepting quantity of the accepting person when the AQ is judged to be variable.
5. The method for inquiring acceptance draft exchange payment record according to claim 4, wherein in the step 2-1, the eagle eye data algorithm further comprises an exchange performance calculation, and the performance score is obtained by comprehensive calculation according to the proportion of the increment payment amount in the acceptance amount, and the specific calculation formula is as follows:
Figure FDA0002668623000000021
in the formula, C1、C2、C3、C4、C5、C6Respectively representing the sum of the acceptance and settlement at different time nodes, lc1、lc2、lc3、lc4、lc5、lc6Respectively representing the total amount of the acceptance under the corresponding time node, and PII representing the quantitative relation between the settlement speed of the acceptance bill and the issuing speed of the acceptance bill.
6. The method as claimed in claim 4, wherein the eagle eye data algorithm in step 2-1 further comprises a market activity index calculation, wherein the calculation formula is as follows:
Figure FDA0002668623000000022
in the formula, forecast represents predicted data, actual represents actual data, and t represents time.
7. The method as claimed in claim 3, wherein the step 2-2 of alarming abnormal data includes website mail, software popup, e-mail, short message and voice call.
8. The method as claimed in claim 1, wherein the user terminal performs the complete or partial display of the data under the right control in step 3.
9. The method as claimed in claim 1 or 8, wherein in step 3, the user can make classified query according to data entry time and name of the recipient.
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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20180182002A1 (en) * 2015-06-12 2018-06-28 Billtrader Pty Ltd Computer implemented multi-currency invoice capture, trading, access and payment system
CN110276686A (en) * 2019-06-05 2019-09-24 上海票据交易所股份有限公司 A kind of bill line pop-up receiving method and system
CN110852855A (en) * 2018-08-02 2020-02-28 上海宝信软件股份有限公司 Intelligent ticket distribution method and system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20180182002A1 (en) * 2015-06-12 2018-06-28 Billtrader Pty Ltd Computer implemented multi-currency invoice capture, trading, access and payment system
CN110852855A (en) * 2018-08-02 2020-02-28 上海宝信软件股份有限公司 Intelligent ticket distribution method and system
CN110276686A (en) * 2019-06-05 2019-09-24 上海票据交易所股份有限公司 A kind of bill line pop-up receiving method and system

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