CN112598038A - Method and system for centralized drawing and processing of bills in same city - Google Patents
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Abstract
The invention discloses a method and a system for centralized drawing and processing of bills in the same city, and relates to the technical field of computers. One embodiment of the method comprises: the method comprises the steps that physical bills, paper statements and electronic clearing information of commercial banks are collectively extracted from people's banks, the electronic clearing information is imported into a system, and the physical bills are classified according to bill types and are scanned and submitted; acquiring magnetic code data of a submitted bill image, and carrying out pairing on the magnetic code data and the electronic clearing information to obtain electronic clearing information corresponding to the magnetic code data; checking the consistency of the ticket face information of the bill and the corresponding electronic clearing information; auditing the checked bill according to a preset rule; after the audit is passed, accounting is performed based on the bill. The implementation mode can form a set of standardized processing flow on the whole line for collectively drawing the bills in the same city into the business so as to adapt to a centralized processing mode, standardize the operation flow, simplify the operation of personnel and improve the processing efficiency.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a system for centralized drawing and processing of bills in the same city.
Background
The same city bill exchange is implemented and managed by local people's bank, and the clearing business of the fund exchange between the financial institutions of the commercial banks is processed in the bill exchange mode. In the prior art, for general commercial banks, the proposed services are all decentralized processing, and are exchanged by an agency with an exchange seat, and then the real object bill is manually checked and then is cleared to each network point, and is automatically processed by each network point. In the processing mode, electronic exchange information of people's banks is not fully utilized, a mode of checking real object bills and exchange information manually offline is adopted, real objects need to be sorted to each website, and subsequent financial processing is carried out automatically by each website, so that the problems of large workload and long time consumption of manual offline processing are caused.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and a system for collectively importing and processing bills in the same city, which can form a set of standardized online processing flows of collectively importing and processing bills in the same city to adapt to a centralized processing mode, standardize an operation flow, simplify operations of personnel, and improve processing efficiency.
To achieve the above object, according to one aspect of the present invention, a method for collectively presenting and processing bills in the same city is provided.
The method for processing the centralized drawing of the bills in the same city, which is provided by the embodiment of the invention, is applied to the centralized drawing point of the commercial bank, and comprises the following steps: the method comprises the steps that physical bills, paper statements and electronic clearing information of commercial banks are collectively extracted from people's banks, the electronic clearing information is imported into a system, and the physical bills are classified according to bill types and scanned and submitted; acquiring magnetic code data of a submitted bill image, and carrying out pairing on the magnetic code data and the electronic clearing information to obtain electronic clearing information corresponding to the magnetic code data; checking the consistency of the ticket face information of the bill and the corresponding electronic clearing information; auditing the checked bill according to a preset rule; after the audit is passed, accounting is performed based on the bill.
Optionally, the ticket type includes a single image, a one-to-one envelope, a one-to-many envelope, and/or a check-in ticket; when the physical bill is scanned and submitted, the business type, the drawing field, the bill type, the business stroke number and/or the drawing back mark are set for the bill image.
Optionally, the method further comprises: when the physical bill is a one-to-many envelope, when the physical bill is scanned and submitted, the multiple voucher masters uploaded in batches are ensured to be of the same type.
Optionally, the acquiring the magnetic code data of the submitted ticket image includes: automatically acquiring the certificate type of the bill image, and slicing the bill image according to the certificate type based on an OCR method to obtain a magnetic code area in the bill image; and converting the magnetic codes in the magnetic code area into structured magnetic code data, and recording the magnetic code data into a system.
Optionally, the method further comprises: and carrying out validity check on the magnetic code data recorded into the system, and carrying out consistency check on the magnetic code data according to the data association relation in the magnetic code data.
Optionally, the auditing the checked bill according to the preset rule includes: and carrying out primary examination, or primary examination and re-examination on endorsement continuity, sensitive words, dates, amounts and/or payment account numbers in the checked bills.
Optionally, the method further comprises: if the bill relates to payment, after the bill is audited, a preset seal checking interface is called to check the bill.
Optionally, the method further comprises: if the bill relates to a large payment or a special account payment, after the bill is checked, a complementary authorization operation is executed.
Optionally, the method further comprises: and under the conditions of abnormal accounting, failed auditing or ticket refunding, transferring the service to a corresponding network point for processing.
To achieve the above object, according to another aspect of the present invention, there is provided a system for collectively presenting and processing bills in the same city.
The system for processing the centralized drawing of the same-city bills, which is provided by the embodiment of the invention, is applied to the centralized drawing point of commercial banks, and comprises the following steps: the centralized import and scanning module is used for intensively importing the physical bills, paper statements and electronic clearing information of the commercial bank from the people bank, importing the electronic clearing information into the system, classifying the physical bills according to the types of the bills, and scanning and submitting the physical bills; the magnetic code matching and quality inspection module is used for acquiring magnetic code data of the submitted bill image, and matching the magnetic code data with the electronic clearing information to obtain the electronic clearing information corresponding to the magnetic code data; checking the consistency of the ticket face information of the bill and the corresponding electronic clearing information; the auditing and accounting module is used for auditing the checked bills according to preset rules; after the audit is passed, accounting is performed based on the bill.
To achieve the above object, according to still another aspect of the present invention, there is provided an electronic apparatus.
An electronic device of the present invention includes: one or more processors; the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors realize the method for processing the collective drawing of the same-city tickets provided by the invention.
To achieve the above object, according to still another aspect of the present invention, there is provided a computer-readable storage medium.
The invention relates to a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the method for centralized drawing processing of tickets in the same city provided by the invention.
According to the technical scheme of the invention, the embodiment of the invention has the following advantages or beneficial effects: firstly, intensively extracting a physical bill, a paper statement and electronic clearing information of the commercial bank from a people bank, importing the electronic clearing information into a system, classifying the physical bill according to the bill type, and scanning and submitting the physical bill; then, acquiring magnetic code data of the submitted bill image, and carrying out pairing on the magnetic code data and the electronic clearing information to obtain electronic clearing information corresponding to the magnetic code data; checking the consistency of the ticket face information of the bill and the corresponding electronic clearing information; then, auditing the checked bill according to a preset rule; after the audit is passed, accounting is performed based on the bill. Through the arrangement, the centralized operation efficiency can be fully exerted, the centralized business of drawing the bills in the same city is brought into the local centralized processing points for centralized handling, and the bills do not need to be sorted to each network point in a real object manner, so that the problems that the workload of centralized processing of the real object bills and the electronic information is large, and the regulations of people banks in each region are different are solved; through summarizing and classifying the bills and setting flexible business parameter rules, a set of standardized processing flow for intensively extracting the bills in the same city into the business on the whole line is formed, so that a centralized processing mode is adapted, the operation flow is standardized, the operation of personnel is simplified, and the processing efficiency is improved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the main steps of a method for processing the centralized drawing of the bills in the same city;
FIG. 2 is a schematic diagram illustrating specific steps executed in the method for processing the collective drawing of the tickets in the same city;
FIG. 3 is a schematic diagram of the main part of a system for centralized drawing processing of the same-city bills in the embodiment of the present invention;
FIG. 4 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 5 is a schematic structural diagram of an electronic device for implementing the method for processing collective drawing of tickets in the same city in the embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
It should be noted that the embodiments of the present invention and the technical features of the embodiments may be combined with each other without conflict.
Fig. 1 is a schematic diagram of the main steps of a method for processing the collective drawing of the tickets in the same city according to the embodiment of the invention.
As shown in fig. 1, the method for processing the centralized drawing of the same-city bills according to the embodiment of the present invention may be applied to a centralized drawing point of a commercial bank, and may be specifically executed according to the following steps:
step S101: and intensively extracting the physical bills, paper statements and electronic clearing information of the commercial bank from the people bank, importing the electronic clearing information into a system, classifying the physical bills according to the types of the bills, and scanning and submitting the physical bills.
In the embodiment of the invention, the centralized introduction point can be a head office or a branch office of a certain commercial bank, and the introduction refers to acquiring related bills of the commercial bank, such as collection bills and payment bills, from the people's bank. The paper statement may include details of physical notes of the type that may include a single image, a one-to-one envelope (corresponding to a loan-to-loan), a one-to-many envelope (corresponding to a loan-to-loan or a loan-to-loan), and/or a check-in (notes relating to return operations). When the physical bill is scanned and submitted, the business type, the drawing field, the bill type, the business stroke number and/or the drawing return mark can be set for the bill image.
Preferably, when the physical bill is a one-to-many envelope, when the physical bill is scanned and submitted, it is required to ensure that a plurality of voucher masters uploaded in batch are of the same type, which is beneficial to the subsequent image splitting link. The types of documents may include transfer checks, promissory notes, money orders, and the like.
Step S102: acquiring magnetic code data of a submitted bill image, and carrying out pairing on the magnetic code data and the electronic clearing information to obtain electronic clearing information corresponding to the magnetic code data; the correspondence between the face information of the ticket and the corresponding electronic clearing information is checked.
Specifically, the magnetic code data is structured data, and the step of acquiring the magnetic code data is as follows: firstly, automatically acquiring a certificate type of a bill image in a two-dimensional code scanning mode or an OCR (Optical Character Recognition) mode, and then slicing the bill image based on an OCR method and the certificate type to obtain a magnetic code area in the bill image. Specifically, since the magnetic code regions of the same type of document are located at the same position in the document image, slicing can be performed using a predetermined slicing program corresponding to the type of document, thereby obtaining the magnetic code regions. And finally, converting the magnetic codes in the magnetic code area into structured magnetic code data by using an OCR method, and recording the magnetic code data into a system.
Thereafter, the magnetic code data entered into the system can be checked for validity, such as the validity period of the ticket. Consistency check can also be performed on the magnetic code data according to the data association relationship in the magnetic code data, for example, whether the capital data and the small data of the same money amount in the magnetic code data are consistent or not is checked.
Step S103: auditing the checked bill according to a preset rule; after the audit is passed, accounting is performed based on the bill.
In some embodiments, the auditing mode may be to perform a preliminary audit on endorsement continuity, sensitive words, date, amount and/or account number of receipt and payment in the checked bill, or to perform a preliminary audit and a review for the above contents in the bill. In practical application, if the bill relates to payment, after the bill is audited, a preset seal-checking interface can be called to check and print the bill; if the bill relates to large payment or special account payment, the account opening mechanism can be prompted to execute foreground supplementary authorization operation after the bill is checked. Finally, a billing process can be performed based on the ticket. Under the conditions of abnormal accounting, failed auditing or ticket refunding, the service can be transferred to a corresponding network point (namely the original processing network point of the service) for processing.
Fig. 2 is a schematic diagram illustrating specific steps of the method for collectively presenting and processing the tickets in the same city, and as shown in fig. 2, the method for collectively presenting and processing the tickets in the same city may specifically perform the following steps.
The centralized extraction point takes the information such as the physical bill, the paper statement and the electronic clearing information which are extracted back to the bank from the bank, classifies and arranges the bills into a single image, a one-to-one envelope, a one-to-many envelope, an extraction and refund and the like, and executes the following steps:
firstly, importing electronic clearing information: after the centralized point of withdrawal checks the bill, the electronic clearing information which is withdrawn from the bank is imported into the system, and the related interface can display the information of the withdrawn borrowing, the credit number, the withdrawn borrowing and the credit amount which are imported at this time, the withdrawn borrowing, the credit number, the withdrawn borrowing and the credit amount which are summarized at this time and the like. If the check fails, the process goes to the links of returning tickets and forwarding network points.
Secondly, centralized scanning: the centralized drawing-in point personnel scans and draws the bills according to the types of the bills, and sets information such as the types of the businesses, the drawing-in field, the types of the bills, the number of the businesses, the drawing-in and returning marks and the like when the bills are drawn. When it comes to a loan-to-loan or a loan-to-loan combination, it is necessary to ensure that the one-to-many principal documents uploaded at a time in bulk are of the same kind during scanning. When the scanning is submitted, the system automatically judges whether the electronic clearing information is imported, and the scanning and submitting are not allowed when the electronic clearing information is not imported.
Thirdly, identifying the layout: and automatically identifying the type of the certificate through a two-dimensional code or OCR (optical character recognition) technology, and if the automatic identification fails, switching to a manual layout classification link to manually perform exception handling.
Fourthly, splitting the image: adopting an OCR recognition technology to slice the certificate image, and automatically splitting a magnetic code area on the image for the bill pull-in service; for the envelope service, the magnetic code area on the envelope image needs to be automatically split, and the magnetic code area is not split by other images in the envelope. When the system fails to split automatically, the image splitting is carried out manually.
Fifthly, element recording: and converting the magnetic code information of the real object bill or envelope into structured magnetic code data by adopting an OCR recognition technology, and if the automatic recognition of the system fails, manually inputting the magnetic code. The other elements of the voucher adopt a manual slice input mode to acquire information, and the voucher which can be automatically identified by an ICR (Intelligent Character Recognition) identification technology directly utilizes the ICR technology to identify and acquire the ticket information.
Sixthly, magnetic code hooking: the system automatically checks the magnetic code data recognized by OCR or manually input with the imported electronic clearing information, the check is consistent and unique, and the subsequent link processing is carried out; and checking whether the records are inconsistent or whether a plurality of records are consistent, and manually hooking the links.
Seventhly, manual hooking: for the condition that a plurality of pieces of magnetic code data recognized by OCR or manually input are consistent with the imported electronic clearing information, the system provides all the consistent electronic clearing information for manual judgment and selection, and one piece of the consistent electronic clearing information can be manually selected and submitted; for the case of no conforming record, if the magnetic code is wrongly recorded, the information of the wrongly recorded magnetic code can be manually modified, the information is submitted and then transferred to a magnetic code matching link, and if no conforming record is ensured, the information can be returned to a centralized processing point.
Eighthly, data checking: besides normal bill legal compliance checking, the consistency of the entered data can be checked according to the data association relation in the entered data, wherein the consistency includes voucher debit and credit attribute, amount (including one-to-many summary amount, maximum limit amount and the like), account opening institution information, special account checking (such as group main and sub accounts, supervision accounts and the like) and the like. And for the checking failed, the checking modification link manually compares the clearing information, the image information and the checking modification reason for judgment, and operations such as re-layout identification and entry, active ticket refund and the like can be carried out. If the service is to be carried in the refund class service, a carry-in refund hooking link is called to hook a carry-in borrower refund with the original running water (the carry-in lender does not need to hook a pair); if the ticket is to be normally submitted, the subsequent processing of the ticket checking, the seal checking or the authorization link is called.
Ninth, magnetic code quality inspection: the magnetic code quality inspection is that the system automatically checks the checked bill for the consistency of the sum, loan and other information and the electronic clearing information. The method includes the steps that (1) if the quality inspection of the business magnetic codes is abnormal, ticket returning processing is directly carried out on tickets or one-to-one envelopes; and for the one-to-many envelopes with abnormal magnetic code quality inspection, manual flat link processing is carried out.
Tenthly, manually leveling: for the one-to-many envelope, the magnetic code quality inspection is abnormal due to partial bill sum, the whole envelope can be returned directly by returning the bill, and the wrong bill sum can be manually modified by manual leveling so as to ensure the normal billing of other bills. The manual work can modify a plurality of money records, the system controls the modified sum to be consistent with the clearing information, and the sum can be submitted to the subsequent link for processing. The bills with the modified sum are not booked manually, and other bills can be booked normally.
Eleven, carrying in and returning ticket and hooking: for the services of drawing borrower and returning tickets, a pair of drawing and returning tickets is needed. The system can automatically associate the original debit service which is matched with the service register according to key elements (such as voucher number, amount and the like) on the bill. If a plurality of matched strips exist, manual hooking is needed; if no matching record exists, the business returns to the subsequent processing link after the reason analysis is carried out manually.
And twelfth, bill auditing: all the extracted bills need to be subjected to background primary review, part of the bills need to be subjected to secondary review, and the basic requirements of bill review are the same as the general business process. Different auditing matters are defined according to different voucher types, including checking on endorsement continuity, sensitive words, dates, money amount, account numbers for receiving and paying and the like. When the initial audit is passed, the system judges whether to need to be reexamined according to a preset audit rule, and enters a subsequent link without reexamination; the ticket returning process can be switched for the first time, and the ticket returning process can be switched for the second time; and (4) the pass of the review enters a subsequent link. In the auditing process, an auxiliary prompt can be given to a special auditing item system of a special account.
Thirteen, printing inspection: when payment is involved, the seal checking interface needs to be automatically called for seal checking processing, the manual login system confirms when the automatic seal checking is failed, and the ticket refunding processing can be carried out when the seal checking is failed.
Fourteen, foreground complement authorization: when the conditions of large amount payment or special account payment and the like are involved, the user needs to transfer to an account opening mechanism for foreground compensation authorization, the compensation authorization can automatically transfer to active ticket refund and transfer to background ticket refund authorization, and the background ticket refund authorization cannot pass and re-enters foreground compensation authorization.
Fifteen, background service authorization: when the operations of network point processing, active ticket refunding and the like are required to be transferred, the operations need to be authorized by background authorized personnel, the operations need to be returned when the authorization is not passed, and the subsequent processing is carried out when the authorization is passed.
Sixthly, accounting: the system automatically calls a core system to perform accounting processing, feeds back results to a foreground when accounting is successful, and transfers to a failure reason analysis link when accounting is failed. For bills which cannot be processed in the background, the website can be switched; for the business of selecting the transfer of the active ticket refund, the system automatically calls the transaction of the active ticket refund for bookkeeping and feeds back the processing result to the network point.
Seventhly, processing by network nodes: when the conditions of abnormal accounting, ticket check failure or ticket refund and the like occur, the business can be transferred to a network point for processing. The network node personnel obtain the task to be processed in the task query of the counter processing system, and determine whether the processing can be carried out according to the bill image, the service information and the like, if the service needs to be refunded, the network node feeds back a bill refunding conclusion, and the network node is intensively provided with the point to refund the bill; if the business does not need to refund the ticket, the network point directly carries out accounting processing on the internal account.
According to the technical scheme of the embodiment of the invention, firstly, the physical bills, paper statements and electronic clearing information of the commercial bank are intensively extracted from a people bank, the electronic clearing information is imported into a system, and the physical bills are classified according to the types of the bills and are scanned and submitted; then, acquiring magnetic code data of the submitted bill image, and carrying out pairing on the magnetic code data and the electronic clearing information to obtain electronic clearing information corresponding to the magnetic code data; checking the consistency of the ticket face information of the bill and the corresponding electronic clearing information; then, auditing the checked bill according to a preset rule; after the audit is passed, accounting is performed based on the bill. Through the arrangement, the centralized operation efficiency can be fully exerted, the centralized business of drawing the bills in the same city is brought into the local centralized processing points for centralized handling, and the bills do not need to be sorted to each network point in a real object manner, so that the problems that the workload of centralized processing of the real object bills and the electronic information is large, and the regulations of people banks in each region are different are solved; through summarizing and classifying the bills and setting flexible business parameter rules, a set of standardized processing flow for intensively extracting the bills in the same city into the business on the whole line is formed, so that a centralized processing mode is adapted, the operation flow is standardized, the operation of personnel is simplified, and the processing efficiency is improved.
It should be noted that, for the convenience of description, the foregoing method embodiments are described as a series of acts, but those skilled in the art will appreciate that the present invention is not limited by the order of acts described, and that some steps may in fact be performed in other orders or concurrently. Moreover, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred and that no acts or modules are necessarily required to implement the invention.
To facilitate a better implementation of the above-described aspects of embodiments of the present invention, the following also provides related systems for implementing the above-described aspects.
Referring to fig. 3, a system 300 for centralized processing of the same-city tickets according to an embodiment of the present invention may include: a centralized import and scanning module 301, a magnetic code matching and quality inspection module 302 and an auditing and accounting module 303.
The centralized import and scanning module 301 is used for importing the physical bills, paper statements and electronic clearing information of the commercial bank from the people's bank in a centralized manner, importing the electronic clearing information into the system, classifying the physical bills according to the types of the bills, and scanning and submitting the physical bills; the magnetic code matching and quality inspection module 302 is used for acquiring magnetic code data of the submitted bill image, and matching the magnetic code data with the electronic clearing information to obtain electronic clearing information corresponding to the magnetic code data; checking the consistency of the ticket face information of the bill and the corresponding electronic clearing information; the auditing and accounting module 303 is used for auditing the checked bills according to preset rules; after the audit is passed, accounting is performed based on the bill.
In an embodiment of the present invention, the ticket types include a single image, a one-to-one envelope, a one-to-many envelope, and/or a pull-in and return ticket; the centralized import and scan module 301 is further configured to: when the physical bill is scanned and submitted, the business type, the drawing field, the bill type, the business stroke number and/or the drawing back mark are set for the bill image.
As a preferred solution, the centralized import and scan module 301 is further configured to: when the physical bill is a one-to-many envelope, when the physical bill is scanned and submitted, the multiple voucher masters uploaded in batches are ensured to be of the same type.
Preferably, the magnetic code matching and quality inspection module 302 is further configured to: automatically acquiring the certificate type of the bill image, and slicing the bill image according to the certificate type based on an OCR method to obtain a magnetic code area in the bill image; and converting the magnetic codes in the magnetic code area into structured magnetic code data, and recording the magnetic code data into a system.
In a specific application, the magnetic code matching and quality inspection module 302 may be further configured to: and carrying out validity check on the magnetic code data recorded into the system, and carrying out consistency check on the magnetic code data according to the data association relation in the magnetic code data.
In practical applications, the auditing and billing module 303 may further be configured to: and carrying out primary examination, or primary examination and re-examination on endorsement continuity, sensitive words, dates, amounts and/or payment account numbers in the checked bills.
In some embodiments, the system 300 may further include a stamp verification module operable to: if the bill relates to payment, after the auditing and accounting module 303 audits the bill, a preset seal checking interface is called to check and print the bill.
In an alternative implementation, the system 300 may further include a supplemental authorization module operable to: if the bill relates to a large payment or a special account payment, a complementary authorization operation is performed after the bill is checked by the checking and accounting module 303.
Furthermore, in the embodiment of the present invention, the auditing and billing module 303 may be further configured to: and under the conditions of abnormal accounting, failed auditing or ticket refunding, transferring the service to a corresponding network point for processing.
In the technical scheme of the embodiment of the invention, the centralized processing of the bill pull-in service in the same city is realized by utilizing the production capacity of the intensive operation of the middle and background platforms, the manpower of the network is released, and the marketing transformation is promoted; in addition, manual electronic clearing information is fully utilized, the work of object bills with large workload and clearing information hooking in a centralized lifting mode is converted into automatic processing of a system on the whole line, the manual workload is greatly reduced, an integrated flow of information hooking, auditing and accounting processing is formed, and the business processing efficiency is remarkably improved.
Fig. 4 illustrates an exemplary system architecture 400 for a method of, or system for, centralized check-in processing to which embodiments of the present invention may be applied.
As shown in fig. 4, the system architecture 400 may include terminal devices 401, 402, 403, a network 404, and a server 405 (this architecture is merely an example, and the components included in a particular architecture may be adapted according to application specific circumstances). The network 404 serves as a medium for providing communication links between the terminal devices 401, 402, 403 and the server 405. Network 404 may include various types of connections, such as wire, wireless communication links, or fiber optic cables.
A user may use terminal devices 401, 402, 403 to interact with a server 405 over a network 404 to receive or send messages or the like. The terminal devices 401, 402, 403 may have installed thereon various communication client applications, such as a city ticket centralized ticketing processing application (for example only).
The terminal devices 401, 402, 403 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 405 may be a server providing various services, such as a background server (for example only) providing support for a user to utilize a peer ticketing centralized submission processing application operated by the terminal device 401, 402, 403. The backend server 405 may process the received ticket processing request and the like, and feed back a processing result (e.g., whether the processing is successful-just an example) to the terminal devices 401, 402, 403.
It should be noted that the method for processing the collective drawing of the tickets in the same city provided by the embodiment of the present invention is generally executed by the server 405, and accordingly, the system for processing the collective drawing of the tickets in the same city is generally disposed in the server 405.
It should be understood that the number of terminal devices, networks, and servers in fig. 4 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
The invention also provides the electronic equipment. The electronic device of the embodiment of the invention comprises: one or more processors; the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors realize the method for processing the collective drawing of the same-city tickets provided by the invention.
Referring now to FIG. 5, shown is a block diagram of a computer system 500 suitable for use in implementing an electronic device of an embodiment of the present invention. The electronic device shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU)501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM503, various programs and data necessary for the operation of the computer system 500 are also stored. The CPU501, ROM 502, and RAM503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.
The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output portion 507 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.
In particular, the processes described in the main step diagrams above may be implemented as computer software programs, according to embodiments of the present disclosure. For example, embodiments of the invention include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the main step diagram. In the above-described embodiment, the computer program can be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the central processing unit 501.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor comprises a centralized import and scanning module, a magnetic code pairing and quality inspection module and an auditing and accounting module. The names of these modules do not limit the modules themselves in some cases, for example, the centralized import and scan module can also be described as a "module providing a bill image to the magnetic code matching and quality inspection module".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by the apparatus, cause the apparatus to perform steps comprising: the method comprises the steps that physical bills, paper statements and electronic clearing information of commercial banks are collectively extracted from people's banks, the electronic clearing information is imported into a system, and the physical bills are classified according to bill types and are scanned and submitted; acquiring magnetic code data of a submitted bill image, and carrying out pairing on the magnetic code data and the electronic clearing information to obtain electronic clearing information corresponding to the magnetic code data; checking the consistency of the ticket face information of the bill and the corresponding electronic clearing information; auditing the checked bill according to a preset rule; after the audit is passed, accounting is performed based on the bill.
In the technical scheme of the embodiment of the invention, a standard centralized extraction processing flow based on a centralized processing mode is established for the same-city bill extraction service, and a method for performing online exchange information and object bill matching can be established by utilizing the manual electronic exchange information.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (12)
1. A method for processing the centralized drawing of the bills in the same city is applied to the centralized drawing point of the commercial bank, and is characterized by comprising the following steps:
the method comprises the steps that physical bills, paper statements and electronic clearing information of commercial banks are collectively extracted from people's banks, the electronic clearing information is imported into a system, and the physical bills are classified according to bill types and scanned and submitted;
acquiring magnetic code data of a submitted bill image, and carrying out pairing on the magnetic code data and the electronic clearing information to obtain electronic clearing information corresponding to the magnetic code data; checking the consistency of the ticket face information of the bill and the corresponding electronic clearing information;
auditing the checked bill according to a preset rule; after the audit is passed, accounting is performed based on the bill.
2. The method of claim 1, wherein the ticket types include single image, one-to-one envelope, one-to-many envelope, and/or pull-in-and-back; and
when the physical bill is scanned and submitted, the business type, the drawing field, the bill type, the business stroke number and/or the drawing back mark are set for the bill image.
3. The method of claim 2, further comprising:
when the physical bill is a one-to-many envelope, when the physical bill is scanned and submitted, the multiple voucher masters uploaded in batches are ensured to be of the same type.
4. The method of claim 2, wherein said acquiring magnetic code data of a document image of a presentation comprises:
automatically acquiring the certificate type of the bill image, and slicing the bill image according to the certificate type based on an OCR method to obtain a magnetic code area in the bill image;
and converting the magnetic codes in the magnetic code area into structured magnetic code data, and recording the magnetic code data into a system.
5. The method of claim 4, further comprising:
and carrying out validity check on the magnetic code data recorded into the system, and carrying out consistency check on the magnetic code data according to the data association relation in the magnetic code data.
6. The method according to claim 4, wherein the auditing the checked bill according to the preset rule comprises:
and carrying out primary examination, or primary examination and re-examination on endorsement continuity, sensitive words, dates, amounts and/or payment account numbers in the checked bills.
7. The method of claim 2, further comprising:
if the bill relates to payment, after the bill is audited, a preset seal checking interface is called to check the bill.
8. The method of claim 2, further comprising:
if the bill relates to a large payment or a special account payment, after the bill is checked, a complementary authorization operation is executed.
9. The method of claim 1, further comprising:
and under the conditions of abnormal accounting, failed auditing or ticket refunding, transferring the service to a corresponding network point for processing.
10. A system for processing the centralized drawing of the bills in the same city is applied to the centralized drawing point of the commercial bank, and is characterized by comprising:
the centralized import and scanning module is used for intensively importing the physical bills, paper statements and electronic clearing information of the commercial bank from the people bank, importing the electronic clearing information into the system, classifying the physical bills according to the types of the bills, and scanning and submitting the physical bills;
the magnetic code matching and quality inspection module is used for acquiring magnetic code data of the submitted bill image, and matching the magnetic code data with the electronic clearing information to obtain the electronic clearing information corresponding to the magnetic code data; checking the consistency of the ticket face information of the bill and the corresponding electronic clearing information;
the auditing and accounting module is used for auditing the checked bills according to preset rules; after the audit is passed, accounting is performed based on the bill.
11. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-9.
12. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-9.
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| CN202011479982.9A CN112598038A (en) | 2020-12-15 | 2020-12-15 | Method and system for centralized drawing and processing of bills in same city |
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| CN202011479982.9A CN112598038A (en) | 2020-12-15 | 2020-12-15 | Method and system for centralized drawing and processing of bills in same city |
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