CN112070611A - Ticket signing system and ticket signing method applied to acceptance remittance tickets - Google Patents
Ticket signing system and ticket signing method applied to acceptance remittance tickets Download PDFInfo
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Abstract
The invention discloses a ticket signing system and a ticket signing method applied to acceptance remittance tickets, wherein the ticket signing system comprises: the information identification module is used for acquiring the screenshot of the front side and the back side of the acceptance bill to be signed and identifying all information of the front side and the back side of the acceptance bill; the bill risk analysis module analyzes and judges the signing risk possibly existing in the acceptance draft according to the identified bill face information and prompts whether the signing risk exists; and the bill signing module selects whether to sign the acceptance draft or not according to the sign-off risk prompt. The invention can improve the working efficiency, prompt corresponding risks when the user signs the ticket, reduce the error rate caused by manual operation and simultaneously reduce the investment of labor and time cost of enterprises.
Description
Technical Field
The invention relates to the field of acceptance drafts, in particular to a ticket signing system and a ticket signing method applied to acceptance drafts.
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.
The existing financial staff and other enterprise online banking users need to carry out professional knowledge training on a large number of bills for the traditional enterprises in the process of signing for the acceptance draft, so that the data analysis and the prompt are carried out on the possible risks, the time and the labor are wasted, and the new risks are possibly caused to occur in the bill signing link because the knowledge updating speed is low. In addition, because the verification is mainly performed manually, the overall efficiency is low.
Disclosure of Invention
In order to overcome the defects of the prior art, the invention provides the ticket signing system and the ticket signing method applied to the acceptance draft, through rapidly extracting and analyzing the ticket surface data, the possible risks in the acceptance draft signing process are prompted in real time without manual verification, the working efficiency is greatly improved, the error rate caused by manual operation is reduced, and meanwhile, the investment of labor and time cost of enterprises is also reduced.
The technical scheme adopted by the invention for solving the problems is as follows:
a ticket system for use in accepting money orders, comprising:
the information identification module is used for acquiring the screenshot of the front side and the back side of the acceptance bill to be signed and identifying all information of the front side and the back side of the acceptance bill;
the bill risk analysis module analyzes and judges the signing risk possibly existing in the acceptance draft according to the identified bill face information and prompts whether the signing risk exists;
and the bill signing module selects whether to sign the acceptance draft or not according to the sign-off risk prompt.
Further, as a preferred technical solution, the bill risk analysis module includes a cash risk analysis unit, a legal risk analysis unit, a trade authenticity analysis unit, and a ticket face risk analysis unit;
the exchange risk analysis unit is used for transferring the exchange data of the acceptance remittance person corresponding to the acceptance remittance bill to be signed and judging the exchange data, when the acceptance remittance bill number which is rejected by the acceptance person within a certain period of time is gradually increased or is more, the acceptance risk is prompted, otherwise, the acceptance risk is not prompted; when the number of invoices or/and the amount of invoices are increased greatly, the acceptance person is prompted to have the signing risk, otherwise, the signing risk is not prompted;
the legal affair risk analysis unit acquires legal dispute information of a contractor corresponding to the acceptance bill to be signed through the big data, searches whether a legal dispute related to the bill exists or not, if the legal dispute related to the bill exists, the legal dispute is used for prompting the signing risk, and otherwise, the legal dispute is not used for prompting the signing risk;
the trade authenticity analysis unit acquires real bidding information of an enterprise according to the bidding official network release information, analyzes whether the transaction is real, does not prompt the signing risk if the transaction is real, and otherwise prompts the signing risk;
and the ticket face risk analysis unit is used for analyzing, calculating and displaying according to the data, judging whether the ticket face information of the acceptance draft to be signed is abnormal or not, and prompting the signing risk according to the abnormal condition.
Further, as a preferred technical scheme, the ticket face risk analysis unit comprises a blacklist early warning sub-module, a acceptance analysis sub-module, a back flying/dispute early warning sub-module and a front and back side analysis sub-module;
the blacklist early warning submodule is used for establishing a blacklist library, prompting the existence of a signing risk when a recipient corresponding to a receipt remittance bill to be signed is in the blacklist library, and not prompting the risk otherwise;
the acceptance analysis submodule is used for analyzing bill exchange and issuing data, including acceptance person risk information and acceptance person bank information;
the back flying/dispute early warning sub-module is used for collecting ticket numbers which are reported to be lost or marked and cheated ticket numbers on the network, storing the ticket numbers into the database, and prompting the user that the signing risk exists when the ticket number of the acceptance draft to be signed is found to be consistent with the ticket number recorded in the database;
and the front and back side analysis submodule is used for judging whether the front and back sides of the acceptance draft to be signed have non-transferability or not, prompting the user that the signing risk exists if the front and back sides of the acceptance draft to be signed have non-transferability, and otherwise, not prompting the risk.
Further, as a preferred technical solution, the system further comprises an inventory scanning module for realizing automatic inventory management.
Further, as a preferred technical scheme, the system also comprises a bank query module, which is used for storing relevant information of domestic banks and querying whether an enterprise user waiting to sign and accept the draft is a false-open enterprise or not, if yes, the user is prompted to have a sign-in risk, otherwise, the risk is not prompted;
the bill calculating module is used for accurately calculating the bill profit;
the bank note posting module is used for providing a plurality of bank quotations and automatically selecting the optimal quotation to be posted at the highest speed;
and the bill transaction module is used for acquiring the latest transaction automatic quotation according to the analysis of the market transaction data.
A ticketing method for acceptance of money orders, comprising:
information identification: acquiring a screenshot of the front side and the back side of a receipt to be signed, and identifying all information of the front side and the back side of the receipt;
and (3) bill risk analysis step: according to the identified ticket face information, analyzing and judging the signing risk possibly existing in the acceptance draft, and prompting whether the signing risk exists or not;
and ticket signing: and selecting whether to sign the acceptance draft or not according to the sign-in risk prompt.
Further, as a preferred technical scheme, the bill risk analysis step comprises a cash risk analysis step, a legal risk analysis step, a trade authenticity analysis step and a ticket face risk analysis step;
the cashing risk analysis step comprises: transferring the exchange data of the acceptance bill to be signed and received, analyzing and judging the exchange data, when the number of the acceptance bills rejected by the acceptance bill is gradually increased or is more than the number of the acceptance bills within a certain period of time, prompting the existence of the signing risk, otherwise, not prompting the signing risk; when the number of invoices or/and the amount of invoices are increased greatly, the acceptance person is prompted to have the signing risk, otherwise, the signing risk is not prompted;
and (3) legal risk analysis: acquiring legal dispute information of a contractor corresponding to the acceptance draft to be signed through big data, searching whether a legal dispute related to the bill exists or not, if so, prompting the existence of signing risk, otherwise, not prompting the signing risk;
and (3) trade authenticity analysis: acquiring real bidding information of an enterprise according to the bidding official network release information, analyzing whether the real transaction is true, if so, not prompting the signing risk, and otherwise, prompting the signing risk;
and (3) ticket face risk analysis: and analyzing, calculating and displaying the data, judging whether the ticket face information of the acceptance draft to be signed is abnormal or not, and prompting the signing risk according to the abnormal condition.
Further, as a preferred technical scheme, the ticket face risk analysis step comprises a blacklist early warning sub-step, an acceptance analysis sub-step, a back flying/dispute early warning sub-step and a front and back face analysis sub-step;
blacklist early warning substep: establishing a black name list library, when a contractor corresponding to the acceptance bill to be signed is in the black name list library, prompting that the risk of signing exists, or not prompting the risk;
acceptance analysis substep: analyzing bill exchange and offer data including the risk information of the acceptance person and the bank information of the acceptance person;
carrying away flight/dispute early warning substep: collecting the ticket numbers which are reported to be lost or the marked cheated ticket numbers on the network, storing the ticket numbers into a database, and prompting the user to have a signing risk when finding that the ticket number of the acceptance draft to be signed is consistent with the ticket number recorded in the database;
front and back surface analysis substep: and judging whether the acceptance bill to be signed exists on the front side and the back side and can be transferred or not, if the acceptance bill to be signed does not exist on the front side and the back side and/or can not be transferred, prompting the user that the acceptance risk exists, and otherwise, not prompting the risk.
Further, as a preferred technical solution, the method further comprises an inventory scanning step for realizing automatic inventory management.
Further, as a preferred technical scheme, the method also comprises a bank inquiry step for storing relevant information of domestic banks, inquiring whether an enterprise user waiting for signing and accepting the draft is a false-open or not, if so, prompting the user to have a signing risk, otherwise, not prompting the risk;
and (3) bill calculation: accurately calculating the bill profit;
and (3) money ticket cashing: providing a plurality of bank quotations, and automatically selecting the optimal quotation to be posted at the highest speed;
the ticket transaction step: and (4) obtaining the latest deal automatic quotation according to the analysis of the market deal data.
Compared with the prior art, the invention has the following beneficial effects:
(1) according to the invention, by rapidly extracting and analyzing the ticket face data, the risk possibly existing in the receipt process of the acceptance draft is prompted in real time, and the system judgment replaces manual verification, so that the error rate and the misjudgment rate are greatly reduced, meanwhile, compared with manual verification, the working efficiency is greatly improved, the professional training in the aspect of receipt is not required to be performed by investing excessive cost, and the investment of manpower and material resources is reduced.
(2) The invention avoids the tedious and complicated work of manually checking and verifying whether the acceptance person who wants to sign and receive the acceptance bill has larger number of rejected acceptance bills or larger number increase or larger simultaneous invoice number or/and larger invoice amount increase, directly prompts the possible acceptance risk to the user, and the user evaluates and judges the risk by combining the condition of the user and then automatically selects whether to sign and receive the acceptance bill, thereby greatly facilitating the user to master and judge the acceptance risk and solving the problem of unnecessary loss caused by no related acceptance risk prompt when the user signs and receives the bill in the existing acceptance mode.
(3) The invention can make the user have a legal risk prompt or avoiding legal risk before signing and accepting the remittance bill by setting legal risk analysis, reduces a large amount of inquiry, screening and analysis work for the user, facilitates the user to know the legal risk, and selects whether to sign and accept the remittance bill based on the legal risk and simultaneously combines self consideration, thereby greatly reducing the loss caused by signing and accepting the remittance bill in trade or lacking the legal risk prompt and signing and accepting the remittance bill.
(4) By adopting the trade authenticity analysis, once the invitation and bid information issued by the acceptance person is false information, the credit of the acceptance person is possibly in problem, and once the acceptance draft is signed, loss is possibly caused, so that the sign risk prompt given by the trade authenticity analysis unit can enable the user to avoid the loss risk of refusal due to the credit problem of the acceptance person, which cannot be realized in the prior art, is not involved in the existing ticket signing process, and greatly reduces the ticket signing risk of the user and the loss possibly caused by the loss.
(5) According to the invention, through establishing the blacklist early warning, when a contractor corresponding to a to-be-signed acceptance bill is in the blacklist bank, the existence of a signing risk is prompted, the user is reminded that the risk of accepting overdue non-payment possibly exists, and finally the user determines whether to sign the acceptance bill or not according to the specific conditions of the user, the self-selection right of signing is still in the user, the blacklist early warning submodule gives a risk prompt, so that loss caused by signing due to trade signing or lack of the risk prompt is avoided, and the risk of accepting overdue non-payment of the contractor is avoided.
(6) The invention greatly avoids the trouble and loss caused by signing because the user does not know whether the acceptance draft is reported or marked as a cheated bill by adding the back flying/dispute early warning, improves the capability of the user for coping with the risks, facilitates the user to know the risks at the first time when signing the draft, and provides reference and evasion risks for signing the draft.
(7) The invention judges whether the enterprise user accepting the draft is false-open or not by adopting bank inquiry, and can greatly avoid the signing risk of the user.
Drawings
FIG. 1 is a schematic diagram of the system of the present invention;
FIG. 2 is a 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 ticketing system for acceptance of a money order, comprising:
the information identification module is used for acquiring the screenshot of the front side and the back side of the acceptance bill to be signed and identifying all information of the front side and the back side of the acceptance bill; the method for acquiring the front and back screenshots of the receipt acceptance draft comprises but is not limited to acquiring a browser DOM (document object model), acquiring data, completing the front and back screenshots of the draft, carrying out a long endorsement with a picture, and quickly and accurately identifying the front and back screenshots.
The bill risk analysis module analyzes and judges the signing risk possibly existing in the acceptance draft according to the identified bill face information and prompts whether the signing risk exists; in the prior art, the bill risk analysis is lacked, manual judgment and verification are often adopted, judgment personnel are required to have rich bill knowledge and rich working experience, but even if the bill risk analysis is carried out manually, errors or misjudgment are inevitable, and meanwhile, the verification efficiency is low. According to the invention, bill risk analysis is introduced, possible sign-in risks corresponding to the bill information are systematically prompted, manual verification is replaced by systematic judgment, the error rate and the misjudgment rate are greatly reduced, meanwhile, compared with manual verification, the working efficiency is greatly improved, professional training in the aspect of bill sign-in is carried out without excessive cost, and the investment of manpower and material resources is reduced.
And the bill signing module selects whether to sign the acceptance draft or not according to the sign-off risk prompt. According to the sign-off risk prompt given by the bill risk analysis module, the user can decide to select whether to sign off the acceptance draft under the condition of the risk prompt. This design is an innovative aspect of the present invention, and first, the acceptable risk may vary from user to user or enterprise to enterprise. For example, a company with a good reputation exists in a certain sub-company, but not all enterprises know the existence of the sub-company, so that the bills issued by the sub-company are relatively approved and accepted by some enterprises (contractors) who know the sub-company for other enterprises, the risk of accepting the bills issued by the sub-company is considered to be low or basically not present, while some enterprises which do not know the sub-company may have a fear that the bills issued by the sub-company are rejected because the bills issued by the sub-company are considered to be larger and not in their own tolerance range.
Aiming at the bill risk analysis mentioned above, the invention can be further designed in detail, the bill risk analysis module is subdivided into functional structural units such as a cashing risk analysis unit, a legal risk analysis unit, a trade authenticity analysis unit and a bill face risk analysis unit, and the following functional structural units are explained in detail.
Firstly, for a cashing risk analysis unit, the cashing risk analysis unit is mainly used for carrying out risk prompt aiming at cashing data, after a system takes the cashing data of a contractor corresponding to the acceptance bill to be signed, the cashing risk analysis unit carries out analysis and judgment on the cashing data, the cashing data is obtained and mainly read through the cache of an internet bank or the existing picture information extraction technology, for example, when the acceptance bill number of the contractor who accepts the acceptance bill to be signed is gradually increased or is more in a certain period of time, the acceptance bill is considered to be abnormal, the risk of refusing is possible to exist, then, a user is prompted to sign the acceptance bill, and the user selects whether to sign the acceptance bill after knowing the sign risk; the term "the acceptance remittance amount and rejection amount are increased gradually or more in a certain period of time" is a relative concept, and the acceptance risk of different users may be different, so that the acceptance remittance amount and the acceptance amount increase range of the acceptance remittance amount and rejection amount of the acceptance remittance person in a certain period of time are different for different users, and therefore, the acceptance degree of the acceptance remittance person can be set and adjusted according to the acceptance degree of the user, namely, the threshold value for triggering the acceptance risk prompt is set. Similarly, as the cashing data, when the acceptance amount of the acceptance person for the current invoicing or/and the increase of the invoicing amount is larger, the acceptance risk is prompted, otherwise, the acceptance risk is not prompted, which is similar to the rejection acceptance amount of the acceptance person for the current invoicing and the increase of the amount, and different users have different acceptance degrees on the acceptance amount of the acceptance person for the current invoicing and the increase of the invoicing amount, so that the threshold value for prompting the cashing risk can be triggered by self-setting or adjusting the acceptance range of the acceptance amount of the acceptance person for the current invoicing and the increase of the invoicing amount.
At present, the existing ticket signing system does not have the cashing risk prompt, and the arrangement of the cashing risk analysis unit avoids the complex and complicated work of manually checking and verifying whether a recipient of a receipt to be signed has a large number or a large increase of the number of rejected receipt within a certain period of time or a large increase of the number of issued tickets or/and the amount of issued bills at the same time, directly prompts the possibly existing cashing risk to a user, and the user evaluates and judges the risk by combining the condition of the user and automatically selects whether to sign and receive the receipt, thereby greatly facilitating the user to master and judge the cashing risk and solving the problem of unnecessary loss caused by no related cashing risk prompt when the user signs and receives the receipt in the existing signing and receiving mode.
And the legal dispute information acquisition path comprises but is not limited to a legal document network, then whether a legal dispute related to the bill exists is searched from the legal dispute information related to the acceptance person, if the legal dispute related to the bill exists, the signing risk is prompted, otherwise, the signing risk is not prompted. Because legal disputes can be various, the legal risk of the invention is related to the acceptance draft, so if the legal dispute related to the bill is found in the legal dispute related to the acceptance person, the legal dispute proves that the bill signing risk can exist, and for a user, if the user can know the risk information in advance, the loss caused by the risk can be avoided to a great extent. At present, the prior art does not have such legal affair risk analysis, and for a user, the user does not know how to avoid the risk in many times, but the invention skillfully designs the functional structure unit, so that the user has a legal affair risk prompt or legal affair risk avoidance before signing for accepting the exchange bill, and for the user, a large amount of inquiry, screening and analysis work is reduced, the user can know the legal affair risk conveniently, and based on the legal affair risk, the user selects whether to sign for the exchange bill or not by combining the consideration of the user, thereby greatly reducing the loss caused by signing for the exchange bill or missing the legal affair risk prompt and signing for the exchange bill.
The trade authenticity analyzing unit can acquire real bidding information of an enterprise according to the information released by the bidding official network for the functional structural unit, wherein the acquisition of the bidding information comprises but is not limited to a special bidding network, whether the real transaction is carried out or not is judged by analyzing the acquired bidding information, if so, the sign-in risk is not prompted, and otherwise, the sign-in risk is prompted; of course, there may be cases where the bidding information of the contractor who is not to sign for acceptance of the acceptance draft is not obtained, the contractor does not issue the relevant bid information itself, but, once the contractor has issued the bid information, the authenticity of the receipt can influence the receipt judgment, therefore, the trade authenticity analysis unit of the invention actually provides a risk prompt link for the user, once the bidding and inviting information issued by the acceptance person is false information, the reputation of the acceptance person can be in a problem, once the acceptance draft is signed, the loss can be brought, therefore, the sign-in risk prompt given by the trade authenticity analysis unit can lead the user to avoid the loss risk of refusal payment caused by the credit question of the acceptance person, which can not be realized by the prior art, the method has the advantages that the method is not involved in the existing ticket signing process, so that the ticket signing risk of a user is greatly reduced, and the loss possibly caused by the ticket signing risk is greatly reduced.
The ticket face risk analysis unit is mainly used for judging whether ticket face information of the acceptance draft to be signed is abnormal or not and carrying out acceptance risk prompt according to abnormal conditions, and specifically comprises a blacklist early warning submodule, an acceptance analysis submodule, a back flying/dispute early warning submodule and a front and back analysis submodule, and each submodule is explained in detail below.
The blacklist early warning submodule is used for establishing a blacklist library, wherein the blacklist library can be two databases, one database is a blacklist library carried by a cloud, and the blacklist library can also be called a system blacklist library, for example, a financial state of a certain enterprise is very bad, and a lot of negative effects are recently produced, so that the enterprise can be pulled into a blacklist by a system background; the other is that the user establishes a bank by himself, the blacklist enterprise is added by the user, after the blacklist bank is provided, when a contractor corresponding to a receipt to be signed is in the blacklist bank, the existence of a sign-off risk is prompted, the user is reminded that the risk of overdue and non-payment of acceptance possibly exists, finally, the user decides whether to sign off the receipt according to the specific conditions of the user, the independent option of the sign-off is still in the user, the blacklist early warning submodule gives a risk prompt, loss caused by trade sign-off or lack of the risk prompt and sign-off is avoided, and the risk of overdue and non-payment of acceptance of the contractor is avoided.
And the acceptance analysis submodule is used for analyzing bill exchange and issuing data, including risk information of an acceptance person and bank information of the acceptance person, presenting the information of the bill issued by the acceptance person to a user through analysis, evaluating and judging whether the acceptance bill has exchange risk or not by the user according to the objectively existing data information, or whether the user accepts the possible risk of the acceptance bill or not, and selecting whether the acceptance bill is signed or not by the user.
And the back flying/dispute early warning sub-module is used for collecting ticket numbers which are reported to be lost or marked cheated ticket numbers on the network, storing the ticket numbers into the database, and prompting the user that the signing risk exists when the ticket number of the acceptance draft to be signed is found to be consistent with the ticket number recorded in the database. The back flying refers to the condition that the current bill is cheated by off-line transaction, the reported acceptance bill or the marked cheated acceptance bill is often unknown to the user, the condition except the bill surface cannot be mastered when the bill is signed, and if the bill is signed, the legal dispute may be involved, and great trouble or even loss is brought to the user. The invention greatly avoids the trouble and loss caused by signing because the user does not know whether the acceptance draft is reported or marked as a cheated draft, improves the capability of the user for coping with the risks, facilitates the user to know the risks at the first time when signing the draft, and provides reference and evasion risks for signing the draft by adding the back flying/dispute early warning submodule.
And the front and back side analysis sub-module is used for judging whether the front and back sides of the acceptance draft to be signed have non-transferability or not, prompting the user that the signing risk exists if the front and back sides of the acceptance draft to be signed have non-transferability, and otherwise, not prompting the risk. For a normal acceptance bill, the front and the back are respectively recorded with relevant bill surface information, if the acceptance bill is provided with an 'non-transferable' word, the acceptance bill cannot participate in financing and can only wait for expiry, and for a user who has financing requirements at any time, the acceptance bill is definitely not wanted, and a large amount of funds can be occupied if the acceptance bill is wrongly signed. The front and back analysis sub-module designed by the invention can carry out risk prompt on the acceptance draft which is provided with 'non-transferrable' and does not meet the financing requirement when a user signs a draft, thereby avoiding the loss or influence on financing caused by the mistaken sign of the user.
The invention also designs a stock scanning module for realizing automatic stock management on the basis of avoiding risks during ticket signing, wherein the stock scanning module can be a mature purchase-sale-stock system at present, and can realize automatic warehouse entry and exit, for example, when a user buys a signed ticket, the system automatically adds stock to the user, and when the user sells the ticket, the system automatically reduces the stock for the user, thereby facilitating the management of the user.
On the basis of the structure, the invention can also be additionally provided with a bank inquiry module which is used for storing the related information of the domestic bank and inquiring whether the enterprise user waiting for accepting and accepting the draft is a false-order or not, if so, the user is prompted to have the signing risk, otherwise, the risk is not prompted. At present, a plurality of events for carving radish seals of a large company, opening enterprise households in a virtual mode and opening exchange bills by the enterprise households in the virtual mode appear in the market, the bill acceptors cannot accept the bills, and if the users sign to accept the exchange bills, loss is brought. The virtual enterprise user is not a common user of a bank generally, for example, a company always establishes a bank to issue a bill, and suddenly opens and issues a bill at a bank in a certain place in northeast, in this case, the bank inquiry module prompts the user that the enterprise user accepting the bill is possibly virtual and gives a sign-in risk, at the moment, the user can check whether the enterprise user is a new user for the company before signing for the acceptance bill, and if not, the enterprise user is a false user. The bank inquiry module can greatly avoid the signing risk of the user by judging whether the enterprise user accepting the draft is a false draft or not.
The bill calculating module is used for accurately calculating the bill profit; specifically, the user can calculate the holding income through the bill calculating module before buying the bill, and the user can calculate the discount cost before the discount, so that great convenience is provided for the user.
The bank note posting module is used for providing a plurality of bank quotations and automatically selecting the optimal quotation to be posted at the highest speed; specifically, the bank note cashing module can provide an entrance for a user to directly interface with a bank, the time cost problem of note cashing is conveniently and quickly solved, the principle of the bank note cashing module is similar to some ticket purchasing software, and the user can select the most satisfactory one from a plurality of prepared votes.
And the bill transaction module is used for acquiring the latest transaction automatic quotation according to the analysis of the market transaction data. Through the bill transaction module, transaction prices can be displayed, and a user can obtain the price of the acceptance bill in the market.
As shown in fig. 2, a ticketing method applied to acceptance of a money order is given below, comprising:
information identification: acquiring a screenshot of the front side and the back side of a receipt to be signed, and identifying all information of the front side and the back side of the receipt;
and (3) bill risk analysis step: according to the identified ticket face information, analyzing and judging the signing risk possibly existing in the acceptance draft, and prompting whether the signing risk exists or not;
and ticket signing: and selecting whether to sign the acceptance draft or not according to the sign-in risk prompt.
The bill risk analysis step comprises a cash risk analysis step, a legal risk analysis step, a trade authenticity analysis step and a bill face risk analysis step;
the cashing risk analysis step comprises: transferring the exchange data of the acceptance bill to be signed and received, analyzing and judging the exchange data, when the number of the acceptance bills rejected by the acceptance bill is gradually increased or is more than the number of the acceptance bills within a certain period of time, prompting the existence of the signing risk, otherwise, not prompting the signing risk; when the number of invoices or/and the amount of invoices are increased greatly, the acceptance person is prompted to have the signing risk, otherwise, the signing risk is not prompted;
and (3) legal risk analysis: acquiring legal dispute information of a contractor corresponding to the acceptance draft to be signed through big data, searching whether a legal dispute related to the bill exists or not, if so, prompting the existence of signing risk, otherwise, not prompting the signing risk;
and (3) trade authenticity analysis: acquiring real bidding information of an enterprise according to the bidding official network release information, analyzing whether the real transaction is true, if so, not prompting the signing risk, and otherwise, prompting the signing risk;
and (3) ticket face risk analysis: and analyzing, calculating and displaying the data, judging whether the ticket face information of the acceptance draft to be signed is abnormal or not, and prompting the signing risk according to the abnormal condition.
The ticket face risk analysis step comprises a blacklist early warning sub-step, an acceptance analysis sub-step, a back flying/dispute early warning sub-step and a front and back face analysis sub-step;
blacklist early warning substep: establishing a black name list library, when a contractor corresponding to the acceptance bill to be signed is in the black name list library, prompting that the risk of signing exists, or not prompting the risk;
acceptance analysis substep: analyzing bill exchange and offer data including the risk information of the acceptance person and the bank information of the acceptance person;
carrying away flight/dispute early warning substep: collecting the ticket numbers which are reported to be lost or the marked cheated ticket numbers on the network, storing the ticket numbers into a database, and prompting the user to have a signing risk when finding that the ticket number of the acceptance draft to be signed is consistent with the ticket number recorded in the database;
front and back surface analysis substep: and judging whether the acceptance bill to be signed exists on the front side and the back side and can be transferred or not, if the acceptance bill to be signed does not exist on the front side and the back side and/or can not be transferred, prompting the user that the acceptance risk exists, and otherwise, not prompting the risk.
And the method also comprises an inventory scanning step for realizing automatic inventory management.
The method also comprises a bank inquiry step for storing relevant information of the domestic bank, and inquiring whether an enterprise user waiting for signing and accepting the draft is a false-open enterprise or not, if so, prompting the user to have a signing risk, otherwise, not prompting the risk;
and (3) bill calculation: accurately calculating the bill profit;
and (3) money ticket cashing: providing a plurality of bank quotations, and automatically selecting the optimal quotation to be posted at the highest speed;
the ticket transaction step: and (4) obtaining the latest deal automatic quotation according to the analysis of the market deal data.
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 (10)
1. A ticket signing system for accepting money orders, comprising:
the information identification module is used for acquiring the screenshot of the front side and the back side of the acceptance bill to be signed and identifying all information of the front side and the back side of the acceptance bill;
the bill risk analysis module analyzes and judges the signing risk possibly existing in the acceptance draft according to the identified bill face information and prompts whether the signing risk exists;
and the bill signing module selects whether to sign the acceptance draft or not according to the sign-off risk prompt.
2. The ticket signing system for accepting a draft of claim 1, wherein said ticket risk analysis module comprises a redemption risk analysis unit, a legal risk analysis unit, a trade authenticity analysis unit and a ticket face risk analysis unit;
the exchange risk analysis unit is used for transferring the exchange data of the acceptance remittance person corresponding to the acceptance remittance bill to be signed and judging the exchange data, when the acceptance remittance bill number which is rejected by the acceptance person within a certain period of time is gradually increased or is more, the acceptance risk is prompted, otherwise, the acceptance risk is not prompted; when the number of invoices or/and the amount of invoices are increased greatly, the acceptance person is prompted to have the signing risk, otherwise, the signing risk is not prompted;
the legal affair risk analysis unit acquires legal dispute information of a contractor corresponding to the acceptance bill to be signed through the big data, searches whether a legal dispute related to the bill exists or not, if the legal dispute related to the bill exists, the legal dispute is used for prompting the signing risk, and otherwise, the legal dispute is not used for prompting the signing risk;
the trade authenticity analysis unit acquires real bidding information of an enterprise according to the bidding official network release information, analyzes whether the transaction is real, does not prompt the signing risk if the transaction is real, and otherwise prompts the signing risk;
and the ticket face risk analysis unit is used for analyzing, calculating and displaying according to the data, judging whether the ticket face information of the acceptance draft to be signed is abnormal or not, and prompting the signing risk according to the abnormal condition.
3. The ticket signing system for accepting a draft according to claim 2, wherein the ticket face risk analysis unit comprises a blacklist pre-warning sub-module, an acceptance analysis sub-module, a back flying/dispute pre-warning sub-module and a front and back side analysis sub-module;
the blacklist early warning submodule is used for establishing a blacklist library, prompting the existence of a signing risk when a recipient corresponding to a receipt remittance bill to be signed is in the blacklist library, and not prompting the risk otherwise;
the acceptance analysis submodule is used for analyzing bill exchange and issuing data, including acceptance person risk information and acceptance person bank information;
the back flying/dispute early warning sub-module is used for collecting ticket numbers which are reported to be lost or marked and cheated ticket numbers on the network, storing the ticket numbers into the database, and prompting the user that the signing risk exists when the ticket number of the acceptance draft to be signed is found to be consistent with the ticket number recorded in the database;
and the front and back side analysis submodule is used for judging whether the front and back sides of the acceptance draft to be signed have non-transferability or not, prompting the user that the signing risk exists if the front and back sides of the acceptance draft to be signed have non-transferability, and otherwise, not prompting the risk.
4. The ticket signing system for accepting money orders as claimed in claim 1, further comprising an inventory scanning module for performing automatic inventory management.
5. The ticket signing system for accepting the draft of claim 1, further comprising a bank inquiry module for storing domestic bank related information, inquiring whether the enterprise user to sign the acceptance draft is a false open, if yes, prompting the user to have a sign-in risk, otherwise, not prompting the risk;
the bill calculating module is used for accurately calculating the bill profit;
the bank note posting module is used for providing a plurality of bank quotations and automatically selecting the optimal quotation to be posted at the highest speed;
and the bill transaction module is used for acquiring the latest transaction automatic quotation according to the analysis of the market transaction data.
6. A ticket signing method applied to acceptance of money orders is characterized by comprising the following steps:
information identification: acquiring a screenshot of the front side and the back side of a receipt to be signed, and identifying all information of the front side and the back side of the receipt;
and (3) bill risk analysis step: according to the identified ticket face information, analyzing and judging the signing risk possibly existing in the acceptance draft, and prompting whether the signing risk exists or not;
and ticket signing: and selecting whether to sign the acceptance draft or not according to the sign-in risk prompt.
7. The ticket signing method of claim 6, wherein said ticket risk analysis step comprises a cash-in risk analysis step, a legal risk analysis step, a trade authenticity analysis step and a ticket face risk analysis step;
the cashing risk analysis step comprises: transferring the exchange data of the acceptance bill to be signed and received, analyzing and judging the exchange data, when the number of the acceptance bills rejected by the acceptance bill is gradually increased or is more than the number of the acceptance bills within a certain period of time, prompting the existence of the signing risk, otherwise, not prompting the signing risk; when the number of invoices or/and the amount of invoices are increased greatly, the acceptance person is prompted to have the signing risk, otherwise, the signing risk is not prompted;
and (3) legal risk analysis: acquiring legal dispute information of a contractor corresponding to the acceptance draft to be signed through big data, searching whether a legal dispute related to the bill exists or not, if so, prompting the existence of signing risk, otherwise, not prompting the signing risk;
and (3) trade authenticity analysis: acquiring real bidding information of an enterprise according to the bidding official network release information, analyzing whether the real transaction is true, if so, not prompting the signing risk, and otherwise, prompting the signing risk;
and (3) ticket face risk analysis: and analyzing, calculating and displaying the data, judging whether the ticket face information of the acceptance draft to be signed is abnormal or not, and prompting the signing risk according to the abnormal condition.
8. The ticket signing method for accepting a draft as claimed in claim 7, wherein the ticket face risk analyzing step comprises a blacklist pre-warning sub-step, an acceptance analyzing sub-step, a back flying/dispute pre-warning sub-step and a front and back face analyzing sub-step;
blacklist early warning substep: establishing a black name list library, when a contractor corresponding to the acceptance bill to be signed is in the black name list library, prompting that the risk of signing exists, or not prompting the risk;
acceptance analysis substep: analyzing bill exchange and offer data including the risk information of the acceptance person and the bank information of the acceptance person;
carrying away flight/dispute early warning substep: collecting the ticket numbers which are reported to be lost or the marked cheated ticket numbers on the network, storing the ticket numbers into a database, and prompting the user to have a signing risk when finding that the ticket number of the acceptance draft to be signed is consistent with the ticket number recorded in the database;
front and back surface analysis substep: and judging whether the acceptance bill to be signed exists on the front side and the back side and can be transferred or not, if the acceptance bill to be signed does not exist on the front side and the back side and/or can not be transferred, prompting the user that the acceptance risk exists, and otherwise, not prompting the risk.
9. The ticket signing method for acceptance of a draft according to claim 6, further comprising an inventory scanning step for performing automatic inventory management.
10. The ticket signing method for accepting the draft as claimed in claim 6, further comprising a bank inquiry step for storing domestic bank related information, by inquiring whether the enterprise user to sign the acceptance draft is a false-open, if yes, then prompting the user to have a sign-in risk, otherwise, not prompting the risk;
and (3) bill calculation: accurately calculating the bill profit;
and (3) money ticket cashing: providing a plurality of bank quotations, and automatically selecting the optimal quotation to be posted at the highest speed;
the ticket transaction step: and (4) obtaining the latest deal automatic quotation according to the analysis of the market deal data.
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| CN202010926566.2A CN112070611A (en) | 2020-09-07 | 2020-09-07 | Ticket signing system and ticket signing method applied to acceptance remittance tickets |
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