CN114219462A - Acceptance method and acceptance system for electronic commercial draft - Google Patents
Acceptance method and acceptance system for electronic commercial draft Download PDFInfo
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- CN114219462A CN114219462A CN202111554312.3A CN202111554312A CN114219462A CN 114219462 A CN114219462 A CN 114219462A CN 202111554312 A CN202111554312 A CN 202111554312A CN 114219462 A CN114219462 A CN 114219462A
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Abstract
The embodiment of the invention discloses an acceptance method and an acceptance system of an electronic commercial draft, which are used for acquiring an optimal acceptance scheme on the premise of improving the efficiency of acquiring the acceptance scheme. The method provided by the embodiment of the invention comprises the following steps: screening a first quantity of electronic commercial drafts to be accepted from an electronic commercial draft database according to a preset screening standard; acquiring a total fund amount for acceptance and a preset difference; traversing a first number of electronic commercial drafts to be accepted according to the total fund amount and a preset difference to determine a plurality of groups of acceptance schemes; and calculating decision factors of each group of acceptance schemes to determine the optimal acceptance scheme according to the decision factors, wherein the decision factors are used for representing at least one of a first difference between the total acceptance amount and the total fund amount of each group of acceptance schemes, a time difference between the current time and the expiration time of the electronic commercial draft in each group of acceptance schemes and the number of the electronic commercial drafts in each group of acceptance schemes.
Description
Technical Field
The invention relates to the technical field of electronic commercial drafts, in particular to a method and a system for accepting an electronic commercial draft.
Background
In an enterprise fund management system, when a large number of electronic commercial drafts are managed, the daily storage management and use payment management work of the electronic commercial drafts must be solved.
In daily storage management, enterprises need to consider the characteristics that electronic commercial drafts have a short validity period, the enterprises need to bear certain discount along with holding time, and have certain acceptance failure risks along with the quality change of different acceptors; in payment management, because the electronic commercial draft has the characteristics of scattered bill amount and scattered face value, when an enterprise uses the electronic commercial draft to pay funds, a combined payment scheme of a plurality of drafts needs to be selected.
The existing method for managing electronic commercial draft is that in the process of capital payment, a batch of bills which are not used for the valid period are filtered from a system, then the filtered bills are exhausted by hand, the bills which accord with the target of the amount of money are calculated, and a capital payment scheme is combined, so that the screened acceptance scheme is not only low in efficiency, but also the optimal acceptance scheme is difficult to select.
Disclosure of Invention
The embodiment of the invention provides an acceptance method and an acceptance system of an electronic commercial draft, which are used for obtaining an optimal acceptance scheme on the premise of improving the efficiency of obtaining the acceptance scheme, thereby improving the reasonable utilization rate of the electronic commercial draft in a capital system.
A first aspect of an embodiment of the present application provides a method for accepting an electronic commercial draft, including:
screening a first quantity of electronic commercial drafts to be accepted from an electronic commercial draft database according to a preset screening standard, wherein the preset screening standard is related to at least one of the qualification of the acceptors of the electronic commercial drafts and the validity period of the electronic commercial drafts;
acquiring a total fund amount for acceptance and a preset difference, wherein the preset difference is used for representing an amount difference between the preset total fund amount and an electronic commercial draft to be accepted;
traversing the first quantity of electronic commercial drafts to be accepted according to the total fund amount and a preset difference to determine a plurality of groups of acceptance schemes;
and calculating decision factors of each group of acceptance schemes to determine the optimal acceptance scheme according to the decision factors, wherein the decision factors are used for representing at least one of a first difference between the total acceptance amount and the total fund amount of each group of acceptance schemes, a time difference between the current time and the expiration time of the electronic commercial draft in each group of acceptance schemes and the number of the electronic commercial drafts in each group of acceptance schemes.
Preferably, the calculating a decision factor for each set of acceptance plans to determine an optimal acceptance plan according to the decision factor, wherein the decision factor is used for characterizing at least one of a first difference between a total acceptance amount and the total fund amount for each set of acceptance plans, a time difference between a current time and an expiration time of the electronic commercial draft in each set of acceptance plans, and a number of the electronic commercial draft in each set of acceptance plans comprises:
calculating a first difference between the total acceptance amount of each group of acceptance schemes and the total fund amount;
calculating the time difference between the current time and the expiration time of each electronic commercial draft in each group of acceptance schemes according to the valid period of the electronic commercial draft in each group of acceptance schemes;
calculating the number of electronic commercial draft in each group of acceptance schemes;
determining the optimal acceptance plan based on at least one of the first difference, the time difference, and the number of electronic commercial drafts in each set of acceptance plans.
Preferably, determining the optimal acceptance plan based on the first difference, or the time difference, or the number of electronic commercial drafts in each set of acceptance plans comprises:
determining a minimum balance of the first differences from the sets of acceptance plans;
determining the longest time difference of the time differences from the sets of acceptance plans;
determining a maximum number of electronic commercial drafts in each of the sets of acceptance plans from the sets of acceptance plans;
and determining the acceptance scheme corresponding to the minimum difference, or the acceptance scheme corresponding to the maximum time difference, or the acceptance scheme corresponding to the maximum electronic commercial draft quantity as the optimal acceptance scheme.
Preferably, the method further comprises:
if each group of acceptance schemes comprises a plurality of decision factors, setting a corresponding weight proportion for each decision factor;
and determining the optimal acceptance scheme according to the decision factors and the weight proportion of each decision factor.
Preferably, before the step of screening the first amount of electronic commercial drafts to be accepted from the electronic commercial drafts database according to the preset screening criteria, the method further comprises:
pre-rating a qualification of a recipient of the electronic commercial draft, wherein the qualification level of the recipient is inversely related to a risk level of acceptance;
calculating a time difference between the current time and the expiration time of each electronic commercial draft based on the electronic commercial draft's expiration date, wherein the time difference is inversely related to the amount of the acceptance.
Preferably, the step of screening a first number of electronic commercial drafts to be accepted from the electronic commercial drafts database according to a preset screening standard comprises:
and screening a first quantity of electronic commercial drafts to be accepted with higher acceptance risk level and less acceptance amount from the electronic commercial draft database according to a preset screening standard.
A second aspect of an embodiment of the present application provides an acceptance system for electronic commercial drafts, comprising:
the electronic commerce draft acceptance unit is used for accepting the electronic commerce draft and the electronic commerce draft, and comprises a screening unit and a receiving unit, wherein the screening unit is used for screening a first quantity of electronic commerce drafts to be accepted from an electronic commerce draft database according to a preset screening standard, and the preset screening standard is related to at least one of the qualification of the acceptors of the electronic commerce draft and the validity period of the electronic commerce draft;
the electronic commerce exchange system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring a total fund amount for acceptance and a preset difference, and the preset difference is used for representing an amount difference between the preset total fund amount and an electronic commerce exchange ticket to be accepted;
the traversal unit is used for traversing the first quantity of electronic commercial draft to be accepted according to the total fund amount and a preset difference so as to determine a plurality of groups of acceptance schemes;
and the determining unit is used for calculating decision factors of each group of acceptance schemes so as to determine the optimal acceptance scheme according to the decision factors, wherein the decision factors are used for representing at least one of a first difference between the total acceptance amount and the total fund amount of each group of acceptance schemes, a time difference between the current time and the expiration time of the electronic commercial draft in each group of acceptance schemes and the number of the electronic commercial drafts in each group of acceptance schemes.
Preferably, the determining unit is specifically configured to:
calculating a first difference between the total acceptance amount of each group of acceptance schemes and the total fund amount;
calculating the time difference between the current time and the expiration time of each electronic commercial draft in each group of acceptance schemes according to the valid period of the electronic commercial draft in each group of acceptance schemes;
calculating the number of electronic commercial draft in each group of acceptance schemes;
determining the optimal acceptance plan based on at least one of the first difference, the time difference, and the number of electronic commercial drafts in each set of acceptance plans.
Preferably, the determining unit is specifically configured to:
determining a minimum balance of the first differences from the sets of acceptance plans;
determining the shortest time difference in the time differences from the various groups of acceptance schemes;
determining a maximum number of electronic commercial drafts in each of the sets of acceptance plans from the sets of acceptance plans;
and determining the acceptance scheme corresponding to the minimum difference, or the acceptance scheme corresponding to the minimum time difference, or the acceptance scheme corresponding to the maximum electronic commercial draft quantity as the optimal acceptance scheme.
Preferably, the acceptance system further comprises:
the setting unit is used for setting a corresponding weight proportion for each decision factor if each group of acceptance schemes comprises a plurality of decision factors;
the determining unit is further configured to determine the optimal acceptance scheme according to the decision factors and the weight ratio of each decision factor.
Preferably, the acceptance system further comprises:
a rating unit for rating in advance the qualification of the acceptance party of the electronic commercial draft, wherein the qualification level of the acceptance party is inversely related to the acceptance risk level;
and the calculating unit is used for calculating the time difference between the current time and the expiration time of each electronic commercial draft according to the validity period of the electronic commercial draft, wherein the time difference is positively related to the acceptance amount.
Preferably, the screening unit is specifically configured to:
and screening a first quantity of electronic commercial drafts to be accepted with higher acceptance risk level and less acceptance amount from the electronic commercial draft database according to a preset screening standard.
A third aspect of embodiments of the present application provides a computer apparatus comprising a processor, which, when executing a computer program stored on a memory, is configured to implement the method for acceptance of an electronic commercial draft as provided in the first aspect of embodiments of the present application.
A fourth aspect of embodiments of the present application provides a computer-readable storage medium, on which a computer program is stored, the computer program, when being executed by a processor, is configured to implement the method for accepting an electronic commercial draft provided by the first aspect of embodiments of the present application.
A fifth aspect of embodiments of the present application provides a computer program product, which when run on a computer device, causes the computer device to execute the method for acceptance of an electronic commercial draft as provided in the first aspect of embodiments of the present application.
According to the technical scheme, the embodiment of the invention has the following advantages:
according to the embodiment of the application, the electronic commercial draft to be accepted in the first quantity can be automatically screened out through the electronic commercial draft acceptance system, the electronic commercial draft to be accepted in the first quantity is traversed according to the total fund amount and the preset difference to determine a plurality of groups of acceptance schemes, the decision factors of the acceptance schemes are respectively calculated, and finally the optimal acceptance scheme is determined according to the decision factors, so that the optimal acceptance scheme is obtained on the premise of improving the efficiency of obtaining the acceptance scheme, and the reasonable utilization rate of the electronic commercial draft in the fund system is improved.
Drawings
FIG. 1 is a schematic diagram of an embodiment of an electronic commercial draft acceptance method in an embodiment of the present application;
FIG. 2 is a detailed step of step 104 in the embodiment of FIG. 1 of the present application;
FIG. 3 is a detailed step of step 204 in the embodiment of FIG. 2 of the present application;
FIG. 4 is a schematic diagram of another embodiment of an electronic commercial draft acceptance method in an embodiment of the present application;
FIG. 5 is a schematic diagram of another embodiment of an electronic commercial draft acceptance method in an embodiment of the present application;
figure 6 is a schematic diagram of one embodiment of an electronic commercial draft acceptance system in accordance with embodiments of the present application.
Detailed Description
The embodiment of the invention provides an acceptance method and an acceptance system of an electronic commercial draft, which are used for obtaining an optimal acceptance scheme on the premise of improving the efficiency of obtaining the acceptance scheme, so that the reasonable utilization rate of the electronic commercial draft in a capital system is improved.
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terms "first," "second," "third," "fourth," and the like in the description and in the claims, as well as in the drawings, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
For convenience of understanding, the method for accepting an electronic commercial draft in the present application will be described first, referring to fig. 1, and an embodiment of the method for accepting an electronic commercial draft in the embodiment of the present application includes:
101. screening a first quantity of electronic commercial drafts to be accepted from an electronic commercial draft database according to a preset screening standard, wherein the preset screening standard is related to at least one of the qualification of the acceptors of the electronic commercial drafts and the validity period of the electronic commercial drafts;
the electronic commercial draft is a bill which is made by a drawer in a data telegraph form and entrusts a payer to unconditionally pay a determined amount to a payee or a ticket holder on a specified date, has the outstanding characteristics of signing and circulation in the data telegraph form and replacement of an entity signature by an electronic signature compared with a paper commercial draft, and has very important functions on stopping counterfeiting and changing bill cases, reducing enterprise settlement cost, improving settlement efficiency and controlling financing risk.
The electronic commercial draft generally has a certain validity period, and only after the validity period, the bearer can take the acceptance amount on the electronic commercial draft from the payer, but sometimes, in order to obtain the fund before the expiration date of the electronic commercial draft, the bearer must pay a certain interest, that is, the obtained acceptance amount is relatively reduced, for easy understanding, the following examples are given: suppose that the user A is taken as a ticket holder and holds a 2 ten thousand yuan electronic commercial draft with 3-month validity period for issuing tickets by company B, but when the user A is away from the validity period by one month, and wants to apply for a charge amount, the user A must pay a certain interest and finally can only take 1.8 ten thousand or 1.9 ten thousand charge amounts.
In order to realize the management of the electronic commercial drafts in the fund system, the acceptance system of the electronic commercial drafts in the application can screen out a first quantity of electronic commercial drafts to be accepted from the electronic commercial drafts database according to preset screening standards, wherein the preset screening standards are related to at least one of the acceptance qualification of the electronic commercial drafts and the validity period of the electronic commercial drafts.
Specifically, the process of how to screen out the first number of electronic commercial drafts to be accepted from the electronic commercial drafts database according to the preset screening standard will be described in the following embodiments, and will not be described herein again.
102. Acquiring a total fund amount for acceptance and a preset difference, wherein the preset difference is used for representing an amount difference between the preset total fund amount and an electronic commercial draft to be accepted;
the total amount of funds to be covered refers to the total amount of money planned to be used to perform the exchange on all electronic commercial drafts to be covered. If in this acceptance scheme a total monetary amount of 5 ten thousand dollars is planned to be drawn for payment of all electronic commercial drafts in the acceptance scheme, the total monetary amount to be accepted by the user is 5 ten thousand dollars.
Further, the preset difference refers to the difference between the acceptance amount of the total electronic commerce draft in the acceptance scheme set by the user and the total fund amount for acceptance set by the user, and if the preset difference is 0-200 yuan, the difference between the total amount of the electronic commerce draft in the acceptance scheme and the preset total fund amount (such as 5 ten thousand yuan) is maximally allowed to be 200 yuan after the acceptance scheme is determined. It will be readily understood that, in general, the smaller the difference between the total amount of the electronic commercial draft in the acceptance scheme and the preset total amount of funds (e.g., 5 ten thousand dollars), the better, and preferably 0 dollar.
103. Traversing the first quantity of electronic commercial drafts to be accepted according to the total fund amount and a preset difference to determine a plurality of groups of acceptance schemes;
after obtaining the total amount of funds and the predetermined balance, the first amount of electronic commercial draft to be accepted, which is screened in step 101, may be traversed to determine a plurality of acceptance schemes, which are illustrated below for convenience of understanding:
assuming that the total capital value is 5 ten thousand yuan and the predetermined difference is 0-200 yuan, the screened first number of electronic commercial drafts to be honored includes: two 5000-yuan electronic commercial drafts, a 2000-yuan electronic commercial draft, a 8000-yuan electronic commercial draft, a 2-ten-thousand-yuan electronic commercial draft, a 3000-yuan electronic commercial draft, a 5500-yuan electronic commercial draft, a 1300-yuan electronic commercial draft, a 1350-yuan electronic commercial draft, and a 1500-yuan electronic commercial draft. Then after traversing the first quantity of electronic commercial drafts to be honored, the multiple sets of acceptance plans that may be determined may be: the first scheme (1 piece of 2 ten thousand yuan, 2 pieces of 5000 yuan, 1 piece of 2000 yuan, 1 piece of 8000 yuan, 1 piece of 5500 yuan, 1 piece of 3000 yuan, 1 piece of 1500 yuan), the second scheme (1 piece of 2 ten thousand yuan, 2 pieces of 5000 yuan, 1 piece of 2000 yuan, 1 piece of 8000 yuan, one piece of 5500 yuan, 1 piece of 3000 yuan, 1 piece of 1300 yuan) or the third scheme (1 piece of 2 ten thousand yuan, 2 pieces of 5000 yuan, 1 piece of 2000 yuan, 1 piece of 8000 yuan, one piece of 5500 yuan, 1 piece of 3000 yuan, 1 piece of 1350 yuan).
104. And calculating decision factors of each group of acceptance schemes to determine the optimal acceptance scheme according to the decision factors, wherein the decision factors are used for representing at least one of a first difference between the total acceptance amount and the total fund amount of each group of acceptance schemes, a time difference between the current time and the expiration time of the electronic commercial draft in each group of acceptance schemes and the number of the electronic commercial drafts in each group of acceptance schemes.
After obtaining the plurality of sets of acceptance plans, such as the first plan, the second plan and the third plan in step 103, the decision factors of each set of acceptance plans may be calculated respectively to determine the optimal acceptance plan according to the decision factors, wherein the decision factors are used for characterizing at least one of a first difference between the total acceptance amount and the total fund amount of each set of acceptance plans, a time difference between the current time and the expiration time of the electronic commercial draft in each set of acceptance plans, and the number of the electronic commercial drafts in each set of acceptance plans.
Specifically, the smaller the first difference between the total acceptance amount and the total fund amount of the acceptance scheme is, the better the first difference is, because the smaller the first difference is, the preset total fund amount can be accepted as much as possible, and the larger the time difference between the current time and the expiration time of the electronic commercial draft in the acceptance scheme is, the larger the interest-bearing amount of the ticket holder is, the larger the preset total fund amount can be accepted as many electronic commercial drafts as possible, while the number of the electronic commercial drafts in the acceptance scheme is, the number of the electronic commercial drafts that the preset total fund amount can be accepted is, and generally, the larger the number of the electronic commercial drafts in the acceptance scheme is, the better the electronic commercial draft is.
Specifically, how to determine the optimal acceptance scheme according to the decision factors of each group of acceptance schemes will be described in the following embodiments, which are not described herein again.
In the embodiment of the application, a first quantity of electronic commercial drafts to be accepted are screened from an electronic commercial draft database according to a preset screening standard, wherein the preset screening standard is related to at least one of the qualification of the acceptors of the electronic commercial drafts and the validity period of the electronic commercial drafts; acquiring a total fund amount for acceptance and a preset difference, wherein the preset difference is used for representing an amount difference between the preset total fund amount and an electronic commercial draft to be accepted; traversing the first quantity of electronic commercial drafts to be accepted according to the total fund amount and a preset difference to determine a plurality of groups of acceptance schemes; and calculating decision factors of each group of acceptance schemes to determine the optimal acceptance scheme according to the decision factors, wherein the decision factors are used for representing at least one of a first difference between the total acceptance amount and the total fund amount of each group of acceptance schemes, a time difference between the current time and the expiration time of the electronic commercial draft in each group of acceptance schemes and the number of the electronic commercial drafts in each group of acceptance schemes.
According to the embodiment of the application, the electronic commercial draft to be accepted in the first quantity can be automatically screened out through the electronic commercial draft acceptance system, the electronic commercial draft to be accepted in the first quantity is traversed according to the total fund amount and the preset difference to determine a plurality of groups of acceptance schemes, the decision factors of the acceptance schemes are respectively calculated, and finally the optimal acceptance scheme is determined according to the decision factors, so that the optimal acceptance scheme is obtained on the premise of improving the efficiency of obtaining the acceptance scheme, and the reasonable utilization rate of the electronic commercial draft in the fund system is improved.
Based on the embodiment shown in fig. 1, step 104 in the embodiment of fig. 1 is described in detail below, please refer to fig. 2, and fig. 2 is a detailed step of step 104 in the embodiment of fig. 1:
201. calculating a first difference between the total acceptance amount of each group of acceptance schemes and the total fund amount;
after the plurality of sets of acceptance plans are determined, a first difference between a total acceptance amount of each set of acceptance plans and the total fund amount can be calculated respectively.
Corresponding to the 3 sets of acceptance scenarios of step 103 in the embodiment of fig. 1, the first difference in the first scenario is 5-5 yen-0 yen, the first difference in the second scenario is 5-49800 yen-200 yen, and the first difference in the third scenario is 5-49850 yen-150 yen.
202. Calculating the time difference between the current time and the expiration time of each electronic commercial draft in each group of acceptance schemes according to the valid period of the electronic commercial draft in each group of acceptance schemes;
because the effective period of the electronic commercial draft directly influences the time for exchanging the electronic commercial draft, if the electronic commercial draft is exchanged before the effective period, a bill holder is required to pay a certain interest, the time difference between the current time and the due time of each electronic commercial draft is larger, the amount exchanged by the bill holder is smaller, and the preset total fund amount can accept the electronic commercial drafts as much as possible.
203. Calculating the number of electronic commercial draft in each group of acceptance schemes;
after a plurality of sets of acceptance plans are determined, the number of electronic commercial drafts in each set of acceptance plans can be calculated respectively.
Corresponding to the 3 sets of acceptance plans of step 103 in the embodiment of fig. 1, the number of electronic commercial drafts in the first, second and third plans, respectively, is 8.
204. Determining the optimal acceptance plan based on at least one of the first difference, the time difference, and the number of electronic commercial drafts in each set of acceptance plans.
After the first balance, the time difference and the number of the electronic commercial drafts in each group of acceptance schemes are obtained, the optimal acceptance scheme can be determined according to at least one of the 3 decision factors.
Based on step 204 in the embodiment of fig. 2, step 204 is described in detail below, and for the sake of understanding, the process of determining the optimal acceptance plan is described below with reference to fig. 3, wherein the decision factor is the first difference, or the time difference, or the number of electronic commercial drafts in each acceptance plan, respectively:
301. determining a minimum balance of the first differences from the sets of acceptance plans;
having obtained each set of acceptance plans, a minimum balance of the first balance, e.g., 3 sets of acceptance plans corresponding to step 103 in the embodiment of fig. 1, may be determined, the minimum balance being 0.
302. Determining the longest time difference of the time differences from the sets of acceptance plans;
after each group of acceptance schemes are obtained, the time difference of the electronic commercial drafts in each group of acceptance schemes can be further calculated according to the validity period of the electronic commercial drafts in each group of acceptance schemes, and the longest time difference in all the time differences is determined.
303. Determining a maximum number of electronic commercial drafts in each of the sets of acceptance plans from the sets of acceptance plans;
in the 3 sets of acceptance plans of step 103 in the embodiment of figure 1, the number of electronic commercial drafts in each set of acceptance plans is 8.
304. And determining the acceptance scheme corresponding to the minimum difference, or the acceptance scheme corresponding to the maximum time difference, or the acceptance scheme corresponding to the maximum electronic commercial draft quantity as the optimal acceptance scheme.
And if the decision factor only comprises the first difference, determining that the acceptance scheme corresponding to the minimum difference is the optimal acceptance scheme, if the decision factor only comprises the time difference, determining that the acceptance scheme corresponding to the longest time difference is the optimal acceptance scheme, and if the decision factor only comprises the maximum electronic commercial draft number in each group of acceptance schemes, determining that the acceptance scheme corresponding to the maximum electronic commercial draft number is the optimal acceptance scheme.
In the embodiment of the application, the process of determining the optimal acceptance scheme according to the decision factors is described in detail, so that the efficiency of determining the optimal acceptance scheme is improved.
Based on the embodiment described in fig. 3, if the decision factor only includes the number of the electronic commercial drafts in each set of acceptance plans, the optimal acceptance plan cannot be determined according to the number of the electronic commercial drafts, and based on this problem, the embodiment of the present application may further select the optimal acceptance plan based on a plurality of decision factors, see fig. 4:
401. if each group of acceptance schemes comprises a plurality of decision factors, setting a corresponding weight proportion for each decision factor;
based on the problem that the optimal acceptance scheme cannot be obtained due to a single decision factor, the embodiment of the application provides a method for screening the optimal acceptance scheme based on a plurality of decision factors, and if each group of acceptance schemes comprises a plurality of decision factors, a fund management party can set different weight proportions for each decision factor according to the decision factor with the emphasis of the fund management party, so as to screen out the acceptance scheme according with the actual situation of the fund management party.
402. And determining the optimal acceptance scheme according to the decision factors and the weight proportion of each decision factor.
After obtaining the plurality of decision factors and the weight proportion of each decision factor, the optimal acceptance scheme can be determined according to the plurality of decision factors and the weight proportion of each decision factor.
In the embodiment of the application, when the optimal acceptance scheme is included, the process of screening the optimal acceptance scheme according to the decision factors is described in detail, so that the intelligence of obtaining the optimal acceptance scheme is improved.
Based on the embodiment shown in fig. 1, the following describes the screening criteria preset in step 101 in the embodiment of fig. 1, please refer to fig. 5:
501. pre-rating a qualification of a recipient of the electronic commercial draft, wherein the qualification level of the recipient is inversely related to a risk level of acceptance;
in order to screen out a first number of electronic commercial drafts to be accepted from the electronic commercial draft database according to a preset screening criterion, the qualification of the acceptance party of the electronic commercial drafts can be rated in advance, wherein the qualification level of the acceptance party is inversely related to the acceptance risk level. I.e. the higher the qualification level of the accepting party, the lower the acceptance risk level.
502. Calculating a time difference between the current time and the expiration time of each electronic commercial draft based on the electronic commercial draft's expiration date, wherein the time difference is inversely related to the amount of the acceptance.
Further, the time difference between the current time and the expiration time of each electronic commercial draft may be calculated based on the validity period of the electronic commercial draft, wherein the time difference is inversely related to the redemption amount, i.e., the longer the time difference between the current time and the expiration time of each electronic commercial draft, the less redemption amount may be obtained.
503. And screening a first quantity of electronic commercial drafts to be accepted with higher acceptance risk level and less acceptance amount from the electronic commercial draft database according to a preset screening standard.
After the qualification of the accepting party in each electronic commercial draft and the time difference between the current time and the expiration time of each electronic commercial draft are obtained, a first quantity of electronic commercial drafts to be accepted with higher accepting risk level and less accepting amount can be screened from the electronic commercial draft database according to a preset screening standard, namely, a first quantity of electronic commercial drafts to be accepted with lower accepting qualification level of the accepting party and longer time difference between the current time and the expiration time of the electronic commercial drafts are screened from the electronic commercial draft database.
In the embodiment of the application, the screening standard for screening the first number of electronic commercial drafts is described in detail, so that the screening efficiency is improved.
In the above description of the acceptance method of the electronic commercial draft in the embodiment of the present application, the following description of the acceptance system of the electronic commercial draft in the embodiment of the present application is provided, and referring to fig. 6, an embodiment of the acceptance system of the electronic commercial draft in the embodiment of the present application includes:
a screening unit 601, configured to screen a first number of electronic commercial drafts to be accepted from the electronic commercial draft database according to a preset screening standard, where the preset screening standard is related to at least one of the acceptance quality of the electronic commercial draft and the validity period of the electronic commercial draft;
an obtaining unit 602, configured to obtain a total fund amount for acceptance and a preset difference, where the preset difference is used to represent an amount difference between the preset total fund amount and an electronic commercial draft to be accepted;
a traversing unit 603, configured to traverse the first number of electronic commercial draft to be accepted according to the total fund amount and a preset difference, so as to determine multiple sets of acceptance schemes;
a determining unit 604, configured to calculate a decision factor of each set of acceptance schemes to determine an optimal acceptance scheme according to the decision factor, where the decision factor is used to represent at least one of a first difference between a total acceptance amount and the total fund amount of each set of acceptance schemes, a time difference between a current time and an expiration time of the electronic commercial draft in each set of acceptance schemes, and a number of the electronic commercial draft in each set of acceptance schemes.
Preferably, the determining unit 604 is specifically configured to:
calculating a first difference between the total acceptance amount of each group of acceptance schemes and the total fund amount;
calculating the time difference between the current time and the expiration time of each electronic commercial draft in each group of acceptance schemes according to the valid period of the electronic commercial draft in each group of acceptance schemes;
calculating the number of electronic commercial draft in each group of acceptance schemes;
determining the optimal acceptance plan based on at least one of the first difference, the time difference, and the number of electronic commercial drafts in each set of acceptance plans.
Preferably, the determining unit 604 is specifically configured to:
determining a minimum balance of the first differences from the sets of acceptance plans;
determining the shortest time difference in the time differences from the various groups of acceptance schemes;
determining a maximum number of electronic commercial drafts in each of the sets of acceptance plans from the sets of acceptance plans;
and determining the acceptance scheme corresponding to the minimum difference, or the acceptance scheme corresponding to the minimum time difference, or the acceptance scheme corresponding to the maximum electronic commercial draft quantity as the optimal acceptance scheme.
Preferably, the acceptance system further comprises:
a setting unit 605, configured to set a corresponding weight proportion for each decision factor if each set of acceptance schemes includes multiple decision factors;
the determining unit 604 is further configured to determine the optimal acceptance scheme according to the plurality of decision factors and the weight ratio of each decision factor.
Preferably, the acceptance system further comprises:
a rating unit 606 for rating in advance the qualification of the acceptance party of the electronic commercial draft, wherein the qualification level of the acceptance party is inversely related to the acceptance risk level;
a calculating unit 607 for calculating a time difference between the current time and the expiration time of each electronic commercial draft according to the validity period of the electronic commercial draft, wherein the time difference is positively related to the amount of money to be covered.
Preferably, the screening unit 601 is specifically configured to:
and screening a first quantity of electronic commercial drafts to be accepted with higher acceptance risk level and less acceptance amount from the electronic commercial draft database according to a preset screening standard.
According to the embodiment of the application, the first quantity of electronic commercial drafts to be accepted can be automatically screened out through the screening unit 601, the first quantity of electronic commercial drafts to be accepted are traversed through the traversing unit 603 according to the total fund amount and the preset difference to determine multiple groups of acceptance schemes, the decision factors of the acceptance schemes are respectively calculated, and finally the optimal acceptance scheme is determined according to the decision factors, so that the optimal acceptance scheme is obtained on the premise of improving the efficiency of obtaining the acceptance scheme, and the reasonable utilization rate of the electronic commercial drafts in the fund system is improved.
The acceptance system of the electronic commercial draft in the embodiment of the invention is described above from the perspective of the modular functional entity, and the computer device in the embodiment of the invention is described below from the perspective of hardware processing:
the computer device is used for realizing the function of the acceptance system of the electronic commercial draft, and one embodiment of the computer device in the embodiment of the invention comprises the following components:
a processor and a memory;
the memory is used for storing the computer program, and the processor is used for realizing the following steps when executing the computer program stored in the memory:
screening a first quantity of electronic commercial drafts to be accepted from an electronic commercial draft database according to a preset screening standard, wherein the preset screening standard is related to at least one of the qualification of the acceptors of the electronic commercial drafts and the validity period of the electronic commercial drafts;
acquiring a total fund amount for acceptance and a preset difference, wherein the preset difference is used for representing an amount difference between the preset total fund amount and an electronic commercial draft to be accepted;
traversing the first quantity of electronic commercial drafts to be accepted according to the total fund amount and a preset difference to determine a plurality of groups of acceptance schemes;
and calculating decision factors of each group of acceptance schemes to determine the optimal acceptance scheme according to the decision factors, wherein the decision factors are used for representing at least one of a first difference between the total acceptance amount and the total fund amount of each group of acceptance schemes, a time difference between the current time and the expiration time of the electronic commercial draft in each group of acceptance schemes and the number of the electronic commercial drafts in each group of acceptance schemes.
In some embodiments of the present invention, the processor may be further configured to:
calculating a first difference between the total acceptance amount of each group of acceptance schemes and the total fund amount;
calculating the time difference between the current time and the expiration time of each electronic commercial draft in each group of acceptance schemes according to the valid period of the electronic commercial draft in each group of acceptance schemes;
calculating the number of electronic commercial draft in each group of acceptance schemes;
determining the optimal acceptance plan based on at least one of the first difference, the time difference, and the number of electronic commercial drafts in each set of acceptance plans.
In some embodiments of the present invention, the processor may be further configured to:
determining a minimum balance of the first differences from the sets of acceptance plans;
determining the longest time difference of the time differences from the sets of acceptance plans;
determining a maximum number of electronic commercial drafts in each of the sets of acceptance plans from the sets of acceptance plans;
and determining the acceptance scheme corresponding to the minimum difference, or the acceptance scheme corresponding to the maximum time difference, or the acceptance scheme corresponding to the maximum electronic commercial draft quantity as the optimal acceptance scheme.
In some embodiments of the present invention, the processor may be further configured to:
if each group of acceptance schemes comprises a plurality of decision factors, setting a corresponding weight proportion for each decision factor;
and determining the optimal acceptance scheme according to the decision factors and the weight proportion of each decision factor.
In some embodiments of the present invention, the processor may be further configured to:
pre-rating a qualification of a recipient of the electronic commercial draft, wherein the qualification level of the recipient is inversely related to a risk level of acceptance;
calculating a time difference between the current time and the expiration time of each electronic commercial draft based on the electronic commercial draft's expiration date, wherein the time difference is inversely related to the amount of the acceptance.
In some embodiments of the present invention, the processor may be further configured to:
and screening a first quantity of electronic commercial drafts to be accepted with higher acceptance risk level and less acceptance amount from the electronic commercial draft database according to a preset screening standard.
It is to be understood that, when the processor in the computer apparatus described above executes the computer program, the functions of each unit in the corresponding apparatus embodiments may also be implemented, and are not described herein again. Illustratively, the computer program may be partitioned into one or more modules/units that are stored in the memory and executed by the processor to implement the invention. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions that describe the execution of the computer program in the acceptance system of the electronic commercial draft. For example, the computer program may be divided into units in the acceptance system of the electronic commercial draft described above, and the units may perform specific functions as described above in the acceptance system of the corresponding electronic commercial draft.
The computer device can be a desktop computer, a notebook, a palm computer, a cloud server and other computing equipment. The computer device may include, but is not limited to, a processor, a memory. It will be appreciated by those skilled in the art that the processor, memory are merely examples of a computer apparatus and are not meant to be limiting, and that more or fewer components may be included, or certain components may be combined, or different components may be included, for example, the computer apparatus may also include input output devices, network access devices, buses, etc.
The Processor may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable gate array (FPGA) or other Programmable logic device, discrete gate or transistor logic device, discrete hardware component, etc. The general purpose processor may be a microprocessor or the processor may be any conventional processor or the like which is the control center for the computer device and which connects the various parts of the overall computer device using various interfaces and lines.
The memory may be used to store the computer programs and/or modules, and the processor may implement various functions of the computer device by running or executing the computer programs and/or modules stored in the memory and invoking data stored in the memory. The memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function, and the like; the storage data area may store data created according to the use of the terminal, and the like. In addition, the memory may include high speed random access memory, and may also include non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), at least one magnetic disk storage device, a Flash memory device, or other volatile solid state storage device.
The present invention also provides a computer-readable storage medium for implementing the functions of an acceptance system for electronic commercial drafts, having stored thereon a computer program which, when executed by a processor, the processor is operable to perform the steps of:
screening a first quantity of electronic commercial drafts to be accepted from an electronic commercial draft database according to a preset screening standard, wherein the preset screening standard is related to at least one of the qualification of the acceptors of the electronic commercial drafts and the validity period of the electronic commercial drafts;
acquiring a total fund amount for acceptance and a preset difference, wherein the preset difference is used for representing an amount difference between the preset total fund amount and an electronic commercial draft to be accepted;
traversing the first quantity of electronic commercial drafts to be accepted according to the total fund amount and a preset difference to determine a plurality of groups of acceptance schemes;
and calculating decision factors of each group of acceptance schemes to determine the optimal acceptance scheme according to the decision factors, wherein the decision factors are used for representing at least one of a first difference between the total acceptance amount and the total fund amount of each group of acceptance schemes, a time difference between the current time and the expiration time of the electronic commercial draft in each group of acceptance schemes and the number of the electronic commercial drafts in each group of acceptance schemes.
In some embodiments of the invention, the computer program stored on the computer-readable storage medium, when executed by the processor, may be specifically configured to perform the steps of:
calculating a first difference between the total acceptance amount of each group of acceptance schemes and the total fund amount;
calculating the time difference between the current time and the expiration time of each electronic commercial draft in each group of acceptance schemes according to the valid period of the electronic commercial draft in each group of acceptance schemes;
calculating the number of electronic commercial draft in each group of acceptance schemes;
determining the optimal acceptance plan based on at least one of the first difference, the time difference, and the number of electronic commercial drafts in each set of acceptance plans.
In some embodiments of the invention, the computer program stored on the computer-readable storage medium, when executed by the processor, may be specifically configured to perform the steps of:
determining a minimum balance of the first differences from the sets of acceptance plans;
determining the longest time difference of the time differences from the sets of acceptance plans;
determining a maximum number of electronic commercial drafts in each of the sets of acceptance plans from the sets of acceptance plans;
and determining the acceptance scheme corresponding to the minimum difference, or the acceptance scheme corresponding to the maximum time difference, or the acceptance scheme corresponding to the maximum electronic commercial draft quantity as the optimal acceptance scheme.
In some embodiments of the invention, the computer program stored on the computer-readable storage medium, when executed by the processor, may be specifically configured to perform the steps of:
if each group of acceptance schemes comprises a plurality of decision factors, setting a corresponding weight proportion for each decision factor;
and determining the optimal acceptance scheme according to the decision factors and the weight proportion of each decision factor.
In some embodiments of the invention, the computer program stored on the computer-readable storage medium, when executed by the processor, may be specifically configured to perform the steps of:
pre-rating a qualification of a recipient of the electronic commercial draft, wherein the qualification level of the recipient is inversely related to a risk level of acceptance;
calculating a time difference between the current time and the expiration time of each electronic commercial draft based on the electronic commercial draft's expiration date, wherein the time difference is inversely related to the amount of the acceptance.
In some embodiments of the invention, the computer program stored on the computer-readable storage medium, when executed by the processor, may be specifically configured to perform the steps of:
and screening a first quantity of electronic commercial drafts to be accepted with higher acceptance risk level and less acceptance amount from the electronic commercial draft database according to a preset screening standard.
It will be appreciated that the integrated units, if implemented as software functional units and sold or used as a stand-alone product, may be stored in a corresponding one of the computer readable storage media. Based on such understanding, all or part of the flow of the method according to the above embodiments may be implemented by a computer program, which may be stored in a computer-readable storage medium and used by a processor to implement the steps of the above embodiments of the method. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, etc. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. A method of acceptance of an electronic commercial draft, the method comprising:
screening a first quantity of electronic commercial drafts to be accepted from an electronic commercial draft database according to a preset screening standard, wherein the preset screening standard is related to at least one of the qualification of the acceptors of the electronic commercial drafts and the validity period of the electronic commercial drafts;
acquiring a total fund amount for acceptance and a preset difference, wherein the preset difference is used for representing an amount difference between the preset total fund amount and an electronic commercial draft to be accepted;
traversing the first quantity of electronic commercial drafts to be accepted according to the total fund amount and a preset difference to determine a plurality of groups of acceptance schemes;
and calculating decision factors of each group of acceptance schemes to determine the optimal acceptance scheme according to the decision factors, wherein the decision factors are used for representing at least one of a first difference between the total acceptance amount and the total fund amount of each group of acceptance schemes, a time difference between the current time and the expiration time of the electronic commercial draft in each group of acceptance schemes and the number of the electronic commercial drafts in each group of acceptance schemes.
2. The acceptance method of claim 1 wherein calculating a decision factor for each set of acceptance plans to determine an optimal acceptance plan based on the decision factor, wherein the decision factor is indicative of at least one of a first difference between a total acceptance amount and the total fund amount for each set of acceptance plans, a time difference between a current time and an expiration time of the electronic commercial draft for each set of acceptance plans, and a number of electronic commercial drafts for each set of acceptance plans comprises:
calculating a first difference between the total acceptance amount of each group of acceptance schemes and the total fund amount;
calculating the time difference between the current time and the expiration time of each electronic commercial draft in each group of acceptance schemes according to the valid period of the electronic commercial draft in each group of acceptance schemes;
calculating the number of electronic commercial draft in each group of acceptance schemes;
determining the optimal acceptance plan based on at least one of the first difference, the time difference, and the number of electronic commercial drafts in each set of acceptance plans.
3. The acceptance method of claim 2 wherein determining the optimal acceptance plan based on the first balance, or the time difference, or the number of electronic commercial drafts in each of the acceptance plans comprises:
determining a minimum balance of the first differences from the sets of acceptance plans;
determining the longest time difference of the time differences from the sets of acceptance plans;
determining a maximum number of electronic commercial drafts in each of the sets of acceptance plans from the sets of acceptance plans;
and determining the acceptance scheme corresponding to the minimum difference, or the acceptance scheme corresponding to the maximum time difference, or the acceptance scheme corresponding to the maximum electronic commercial draft quantity as the optimal acceptance scheme.
4. The acceptance method according to any one of claims 1 to 3, wherein the method further comprises:
if each group of acceptance schemes comprises a plurality of decision factors, setting a corresponding weight proportion for each decision factor;
and determining the optimal acceptance scheme according to the decision factors and the weight proportion of each decision factor.
5. The acceptance method of claim 1 wherein prior to said screening a first quantity of electronic commercial drafts to be accepted from the electronic commercial drafts database according to a predetermined screening criteria, the method further comprises:
pre-rating a qualification of a recipient of the electronic commercial draft, wherein the qualification level of the recipient is inversely related to a risk level of acceptance;
calculating a time difference between the current time and the expiration time of each electronic commercial draft based on the electronic commercial draft's expiration date, wherein the time difference is inversely related to the amount of the acceptance.
6. The method of claim 5, wherein screening the electronic commercial draft database for a first quantity of electronic commercial drafts to be honored according to predetermined screening criteria comprises:
and screening a first quantity of electronic commercial drafts to be accepted with higher acceptance risk level and less acceptance amount from the electronic commercial draft database according to a preset screening standard.
7. An acceptance system for an electronic commercial draft, the system comprising:
the electronic commerce draft acceptance unit is used for accepting the electronic commerce draft and the electronic commerce draft, and comprises a screening unit and a receiving unit, wherein the screening unit is used for screening a first quantity of electronic commerce drafts to be accepted from an electronic commerce draft database according to a preset screening standard, and the preset screening standard is related to at least one of the qualification of the acceptors of the electronic commerce draft and the validity period of the electronic commerce draft;
the electronic commerce exchange system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring a total fund amount for acceptance and a preset difference, and the preset difference is used for representing an amount difference between the preset total fund amount and an electronic commerce exchange ticket to be accepted;
the traversal unit is used for traversing the first quantity of electronic commercial draft to be accepted according to the total fund amount and a preset difference so as to determine a plurality of groups of acceptance schemes;
and the determining unit is used for calculating decision factors of each group of acceptance schemes so as to determine the optimal acceptance scheme according to the decision factors, wherein the decision factors are used for representing at least one of a first difference between the total acceptance amount and the total fund amount of each group of acceptance schemes, a time difference between the current time and the expiration time of the electronic commercial draft in each group of acceptance schemes and the number of the electronic commercial drafts in each group of acceptance schemes.
8. The acceptance system of claim 7, wherein the determination unit is specifically configured to:
calculating a first difference between the total acceptance amount of each group of acceptance schemes and the total fund amount;
calculating the time difference between the current time and the expiration time of each electronic commercial draft in each group of acceptance schemes according to the valid period of the electronic commercial draft in each group of acceptance schemes;
calculating the number of electronic commercial draft in each group of acceptance schemes;
determining the optimal acceptance plan based on at least one of the first difference, the time difference, and the number of electronic commercial drafts in each set of acceptance plans.
9. A computer arrangement comprising a processor, characterized in that the processor, when executing a computer program stored on a memory, is adapted to carry out a method of acceptance of an electronic commercial draft according to any one of claims 1 to 6.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, is adapted to carry out a method of acceptance of an electronic commercial draft according to any one of claims 1 to 6.
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