CN115578192A

CN115578192A - Cash-back accounting method, processor, computer equipment and machine-readable storage medium

Info

Publication number: CN115578192A
Application number: CN202211216533.4A
Authority: CN
Inventors: 伍正国; 余建维; 陈骥敏; 刘擎; 彭楠
Original assignee: Zhongke Yungu Technology Co Ltd
Current assignee: Zhongke Yungu Technology Co Ltd
Priority date: 2022-09-30
Filing date: 2022-09-30
Publication date: 2023-01-06

Abstract

The invention relates to the field of financial accounting and discloses a money-withdrawal accounting method, a processor, computer equipment and a machine-readable storage medium. The method comprises the following steps: obtaining fund information of remittance of a customer; determining a target customer to which the fund belongs according to the fund information; obtaining a repayment model of a target client; according to the repayment model, determining an order repayment plan, order overdue data and order repayment priority of the target customer; according to the order repayment plan, the order overdue data and the order repayment priority, remittance funds of the target customer are distributed and confirmed, and a refund decomposition list is generated; and generating a financial bookkeeping voucher according to the money return decomposition list, and finishing money return bookkeeping. The method for keeping the money back is systematized, online, automated and transparent; the fund can automatically identify the client, so that the fund recognition efficiency is improved; the financial affairs are automatically booked, and the working efficiency is improved; the fund usage and the optimal distribution detail are automatically determined through the repayment model, manual check operations are reduced, and the working quality is improved.

Description

Cash-back accounting method, processor, computer equipment and machine-readable storage medium

Technical Field

The invention relates to the field of financial accounting, in particular to a money-returning accounting method, a processor, computer equipment and a machine-readable storage medium.

Background

By taking large-scale engineering equipment (pump trucks, cranes, mixer trucks and the like) as an example, due to the characteristics of the engineering machinery industry, the business scale is large, the credit sale occupation ratio is high, and the terminal refund is always the key and difficult point of management. At present, in the process of fund claiming and decomposition, a manual offline claiming and manual decomposition mode is adopted. After remittance, a salesman needs to frequently communicate with finance offline in a telephone, short message, mail and other modes, to realize the condition that the capital of the customer arrives at the account, provide information such as the customer to which the capital belongs and the application, and then manually decompose and keep the capital by accounting. In the one-line money return management link, a mode that people stare at people and report layer by layer is adopted, and the real-time monitoring on money return cannot be realized; meanwhile, in the process of money return management, end-to-end information intercommunication with a client is lacked; carrying out fund decomposition accounting according to the information acquired offline, wherein the number of data items is large during operation; this results in less efficient work and accounting errors.

Disclosure of Invention

In order to overcome the defects in the prior art, the embodiment of the invention provides a refund accounting method, a processor, computer equipment and a machine-readable storage medium.

In order to achieve the above object, a first aspect of the present invention provides a refund accounting method, including:

obtaining fund information of remittance of a customer;

determining a target customer to which the fund belongs according to the fund information;

obtaining a repayment model of a target customer;

according to the repayment model, determining an order repayment plan, order overdue data and order repayment priority of the target customer;

according to the order repayment plan, the order overdue data and the order repayment priority, remittance funds of the target customer are distributed and confirmed, and a refund decomposition list is generated;

and generating a financial bookkeeping voucher according to the money return decomposition sheet, and finishing money return bookkeeping.

In an embodiment of the invention, the funds information includes a target collection account number,

determining the target customer to which the funds belong according to the fund information comprises:

and determining a target customer to which the fund belongs according to the target collection account number.

In the embodiment of the invention, the repayment priority of the order is as follows from high to low: overdue orders under the target collection account, overdue orders under other collection accounts, non-overdue orders under the target collection account with a first overdue risk level, non-overdue orders under the target collection account with a second overdue risk level, non-overdue orders under other collection accounts with a first overdue risk level, and non-overdue orders under other collection accounts with a second overdue risk level;

the target collection account and other collection accounts belong to the same collection subject, and the first overdue risk level is higher than the second overdue risk level.

In an embodiment of the present invention, the method further comprises:

determining the amount of money paid by a customer according to the target collection account, wherein the amount of money comprises a host money and an accessory money, and the host money and the accessory money respectively correspond to a target collection account;

in the event that the money is determined to be host money, allocating remittance funds to the host order;

in the event that the money is determined to be an accessory fund, the money transfer funds are allocated to the accessory order.

In an embodiment of the invention, the money comprises first payment and monthly supply, and the method further comprises:

under the condition that a historical repayment record of the target order placed by the target client is not inquired, determining the money as the initial payment of the target order, and distributing remittance funds to the initial payment of the target order;

in the case where a historical payment record for the target order made by the target customer has been queried, the money is determined as a monthly supply for the target order and remittance funds are allocated to the monthly supply for the target order.

In an embodiment of the present invention, the method further comprises:

determining a payment risk level and an collectable amount of the accepting party in case the fund information includes the accepting ticket;

and forbidding to authorize the acceptance bill of the acceptance party under the condition that the payment risk level exceeds a preset level or the total amount of the current acceptance bill of the acceptance party exceeds the chargeable amount.

In an embodiment of the present invention, the fund information includes a customer number and/or a customer name;

determining the target customer to which the funds belong based on the fund information includes:

and determining a target customer to which the fund belongs according to the customer number and/or the customer name.

In the embodiment of the invention, the fund information comprises a payer and/or a payment account;

and determining a target client to which the fund belongs according to the payer, the payment account and the historical refund notice.

In an embodiment of the present invention, the method further comprises:

acquiring a payment account set of a client;

and sending out an alarm indication under the condition that the payment account does not belong to the client payment account set.

In an embodiment of the invention, the fund information further comprises at least one of: the time of the money coming, the amount of the money coming, the manner of the money coming and the type of the money coming;

the method further comprises the following steps:

and storing the money incoming time, the money incoming amount, the money incoming mode and the money incoming type for the user to inquire.

In an embodiment of the present invention, the method further comprises:

and generating a financial bookkeeping voucher according to the cash-back decomposition sheet, and pushing the fund posting information to the target client after the cash-back bookkeeping is completed.

In an embodiment of the present invention, the method further comprises:

generating fund decomposition details after remittance funds of a target client are distributed and confirmed according to an order repayment plan, order overdue data and order repayment priority;

and associating the fund decomposition detail with the refund decomposition list.

In an embodiment of the present invention, the method further comprises:

determining accounting voucher templates corresponding to the distributed funds according to the money receiving mode of the remittance funds and the fund decomposition details;

generating a financial billing voucher based on the billing voucher template.

A second aspect of the present invention provides a processor configured to the above-mentioned money-withdrawal billing method.

A third aspect of the invention provides a computer apparatus comprising a processor as described above.

A fourth aspect of the present invention provides a machine-readable storage medium having stored thereon instructions for causing a machine to execute the above-mentioned refund accounting method.

In the embodiment of the invention, the refund accounting method comprises the following steps: obtaining fund information of remittance of a customer; determining a target customer to which the fund belongs according to the fund information; obtaining a repayment model of a target client; according to the repayment model, determining an order repayment plan, order overdue data and order repayment priority of the target customer; according to the order repayment plan, the order overdue data and the order repayment priority, remittance funds of the target customer are distributed and confirmed, and a refund decomposition list is generated; and generating a financial bookkeeping voucher according to the money return decomposition list, and finishing money return bookkeeping. In this way, (1) the method for keeping the refund is systematized, online, automated and transparent, and the data of the original information island are connected in series, so that the communication mode that the data needs to be repeated offline is avoided, and the communication cost is reduced; meanwhile, business personnel, financial personnel and clients can master remittance funds to be paid out and account situation is decomposed at any time. (2) The proportion of business personnel participating in the fund claiming process is reduced, the fund claiming period is shortened, the situation that no person can claim money due to personnel transaction is eliminated, most of funds can automatically identify belonged customers, and the fund claiming efficiency is improved. According to the money return decomposition list, the financial bookkeeping voucher is generated, the money return bookkeeping is automatically completed, the automatic financial bookkeeping is realized, and the working efficiency is greatly improved. (3) The fund use and the optimal distribution detail are automatically determined through the repayment model, the manual checking operation is reduced, the error condition of 'Zhangguanli wear' in the manual operation is eliminated, the checking accuracy is improved, and the working quality is improved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the embodiments of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the embodiments of the invention without limiting the embodiments of the invention. In the drawings:

fig. 1 schematically shows a flow chart of a refund accounting method according to an embodiment of the present invention;

FIG. 2 schematically illustrates a schematic diagram of fund identification and classification according to an embodiment of the present invention;

fig. 3 schematically shows an architecture diagram of an automatic sales reimbursement accounting system according to an embodiment of the present invention.

Detailed Description

The following detailed description of embodiments of the invention refers to the accompanying drawings. It should be understood that the detailed description and specific examples, while indicating embodiments of the invention, are given by way of illustration and explanation only, not limitation.

It should be noted that, if directional indications (such as up, down, left, right, front, and back) \8230;) are referred to in the embodiments of the present application, the directional indications are only used for explaining the relative positional relationship between the components, the motion situation, and the like in a specific posture (as shown in the attached drawings), and if the specific posture is changed, the directional indications are correspondingly changed.

In addition, if there is a description relating to "first", "second", etc. in the embodiments of the present application, the description of "first", "second", etc. is for descriptive purposes only and is not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, technical solutions between the various embodiments can be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present application.

In the case of large-scale engineering equipment (such as pump trucks, cranes and agitating trucks), due to the industrial characteristics of engineering machinery, the business scale is large, the credit sale occupation ratio is high, and the terminal reimbursement is always the key and difficult point of management. In the link of claiming and decomposing capital, the current company adopts a mode of claiming and artificial decomposition under an artificial line, so that the efficiency is low and errors are easy to generate. In the one-line money return management link, a mode that people stare and report layer by layer is adopted, and the real-time monitoring of money return cannot be realized. Meanwhile, in the money returning management process, end-to-end information intercommunication with a client is lacked, the account checking period with the client is long, the cost is high, and the problem of money stealing and encroachment is easily generated.

At present, after remittance, a salesman needs to frequently communicate with finance offline in a mode of telephone, short message, mail and the like, the condition that the capital of a customer is in an account is realized, information such as the customer and the purpose of the capital is provided, and then the capital is manually decomposed and booked by accounting. The existing fund decomposition billing needs a salesman to participate in identifying a client corresponding to the fund, and if the customer is not claimed in time or personnel is changed, the fund decomposition billing is not in time, the payment of the client is overdue, and the credit investigation of the client is influenced. The accountant decomposes the fund and keeps accounts according to the information acquired offline, the number of data entries is large during operation, and the 'Zhangguan Lian' during information processing is easy to wear.

To solve some or all of the above problems, fig. 1 schematically shows a flow chart of a money return accounting method according to an embodiment of the present invention. As shown in fig. 1, in an embodiment of the present invention, a method for debiting money is provided, which includes the following steps:

step 101, obtaining fund information of client remittance;

step 102, determining a target customer to which funds belong according to the fund information;

103, acquiring a payment model of a target customer;

104, determining an order repayment plan, order overdue data and order repayment priority of the target client according to the repayment model;

105, distributing and paying remittance funds of a target client according to the order repayment plan, the order overdue data and the order repayment priority, and generating a repayment decomposition list;

and 106, generating a financial accounting voucher according to the fund withdrawal decomposition sheet, and finishing fund withdrawal accounting.

In the embodiment of the invention: (1) The method realizes systematization, online, automation and transparentization of the money-returning accounting method, and connects the data of the original information island in series, thereby avoiding a communication mode needing to be repeated offline and reducing the communication cost; meanwhile, business personnel, financial personnel and clients can master remittance funds to be paid out and resolve the bookkeeping situation at any time. (2) The proportion of business personnel participating in the fund claiming process is reduced, the fund claiming period is shortened, the situation that no person can claim money due to personnel transaction is eliminated, most of funds can automatically identify belonged customers, and the fund claiming efficiency is improved. According to the money of returning, decompose the single financial bookkeeping voucher that generates, accomplish the money of returning and book keeping automatically, realize the automatic book keeping of financial affairs, promote work efficiency greatly. (3) The fund use and the optimal distribution detail are automatically determined through the repayment model, the manual checking operation is reduced, the error condition of 'Zhangguanli wear' in the manual operation is eliminated, the checking accuracy is improved, and the working quality is improved.

In one embodiment, the funds information includes a target recipient account number,

When a customer purchases a product of my party (such as a mechanical device like a pump truck, a crane and a mixer truck), money transfer is required to the customer, and the target receiving account number can be understood as an account number which is given to the customer by the customer in advance and is used for receiving money from the customer by the customer, namely, the target customer can write money into the target receiving account number of the customer to pay. The target collection account number is an account number given to the client by the client in advance, and different clients can correspond to different collection account numbers, namely, the client can set a plurality of collection account numbers for collecting the money for the client, and the collection account numbers distributed to the client are different when the client is different, so that the collection account numbers and the client file information are established in advance. When remittance funds of a certain client are received, a target client to which the funds belong can be accurately identified according to a target collection account number in the fund information after matching, then a repayment model of the target client is obtained, and an order repayment plan, order overdue data and order repayment priority of the target client are obtained.

In the embodiment of the invention, the repayment priority of the order is as follows from high to low in sequence: overdue orders under the target collection account, overdue orders under other collection accounts, non-overdue orders at a first overdue risk level under the target collection account, non-overdue orders at a second overdue risk level under the target collection account, non-overdue orders at a first overdue risk level under other collection accounts, and non-overdue orders at a second overdue risk level under other collection accounts. The target collection account and other collection accounts belong to the same collection subject, and the first overdue risk level is higher than the second overdue risk level.

The method comprises the steps that a collection account number is an account number of a party, the party can set a plurality of collection account numbers for the same target customer, the target collection account number and other collection account numbers can be of the same target customer, and different orders can be corresponding to the lower portions of the target collection account number and other collection account numbers. Since the target customer may involve several debt orders on my side, when my side receives the remittance funds and confirms the target customer to which the funds belong, the funds need to be distributed, i.e. determining which orders to send the remittance funds with priority and determining how to return the remittance funds. The overdue risk level of each order may be different, and for orders with higher overdue risk levels, once the repayment of the order is overdue, the risk is possibly higher; for orders with a lower level of overdue risk, the risk resulting from repayment of the order, even if overdue, may be less.

In one embodiment, the allocating and validating remittance funds for the target customer based on the order repayment plan, the order overdue data, and the order repayment priority comprises: (1) The remittance funds are allocated to overdue orders under the target recipient account number. If there is an overdue order under the target receiving account, the remittance funds are naturally first allocated to the overdue order under the target receiving account. (2) If the money transfer funds remain after act (1) above, the money transfer funds are allocated to overdue orders under other recipient account numbers. The target collection account and other collection accounts belong to the same collection subject, and the overdue orders of the target customer are preferentially cleared. (3) If the money transfer funds remain after act (2) above, the money transfer funds are allocated to the non-overdue order at the target transferee account with a higher overdue risk level. When the remittance funds clear all overdue orders for the customer's name, the excess funds are preferably allocated to non-overdue orders for the target receiving account with a higher overdue risk level, since such orders, once overdue, may result in a greater risk. (4) If the remittance funds remain after the above action (3), the remittance funds are allocated to the non-overdue order with a lower overdue risk level under the target remittance account number. Although the target receiving account number and other receiving account numbers belong to the same receiving subject (i.e. the target receiving account number and other receiving account numbers are of the same target customer, and correspond to different orders below the target receiving account number and other receiving account numbers), because the customer places the repayment funds on the target receiving account number, the customer naturally preferentially distributes the remittance funds to the order under the target receiving account number. (5) If the money transfer funds remain after act (4) above, the money transfer funds are allocated to non-overdue orders with higher overdue risk levels for other recipient account numbers. (6) If the money transfer funds remain after act (5) above, the money transfer funds are allocated to non-overdue orders with lower overdue risk levels for other recipient account numbers. The fund distribution sequence can reduce the overdue risk of debt of the client and fully consider the subjective repayment willingness of the client.

In one embodiment, the refund accounting method further comprises: determining the payment amount of a customer according to the target collection account, wherein the payment amount comprises a host money and an accessory money, and the host money and the accessory money respectively correspond to a target collection account; in the event that the money is determined to be host money, allocating remittance funds to the host order; in the event that the money is determined to be an accessory fund, the money transfer funds are allocated to the accessory order.

The host money and the accessory money respectively correspond to different collection account numbers, so that the money paid by the customer can be quickly distinguished according to the collection account numbers. Illustratively, when the product purchased by the customer from my party is a crane, the crane can be divided into a crane host order and a crane accessory order, wherein the crane host order and the crane accessory order respectively correspond to different payment collection account numbers, one is used for crane host order collection and the other is used for crane accessory order. When the customer types the money transfer funds into the recipient account corresponding to the host money, the funds are used for the payment of the host order. When the customer types the money transfer funds into the collection account corresponding to the accessory money, the funds are used to repay the accessory order.

In one embodiment, the payment includes an initial payment and a monthly supply, and the method further includes: in the event that the target customer's historical payment record for placing the target order is not queried, money is determined as the initial payment for the target order and the remittance funds are used to pay for the initial payment for the target order. In the case where a historical payment record of the target order made by the target customer has been queried, money is determined as a monthly supply for the target order and remittance funds are used to pay for the monthly supply for the target order.

The fund distribution process is systematized, online, automated and transparent, the fund use and the optimal distribution detail are automatically determined through the repayment model, the manual checking operation is reduced, the error condition of 'Zhangguan plum wear' in the manual operation is eliminated, the checking accuracy is improved, and the working quality is improved. The proportion of business personnel participating in the fund claiming process is reduced, the fund claiming period is shortened, the situation that no person can claim money due to personnel transaction is eliminated, most of funds can automatically identify belonged customers, and the fund claiming efficiency is improved.

In one embodiment, the funding information includes a customer number and/or a customer name;

In another embodiment, the funding information includes the payer and/or the payment account number;

The fund of different modes of coming money is classified and identified, and two modes of determining the target client to which the fund belongs are introduced as follows: and identifying the client preliminarily and identifying the client accurately. FIG. 2 is a schematic diagram illustrating fund identification and classification according to an embodiment of the present invention, and may be seen in FIG. 2. (1) accurately identifying a client: using a KMP Algorithm (The Knuth-Morris-Pratt Algorithm) and a regular expression Algorithm to retrieve and filter fund summary information of a customer, acquiring information such as a customer number, a reprint number tail code, a customer name or a collection account number, matching with information of a customer file and a reprint number module, and accurately identifying The customer corresponding to The fund. (2) And matching the information of the payer or the payment account in the fund information by taking the historical repayment notice data record as a data set, and preliminarily identifying the client corresponding to the fund. Generally speaking, the way in which a customer is accurately identified is more accurate, but the way in which a customer is initially identified may also be an important reference.

In an embodiment, the method further comprises: determining a payment risk level and an collectable amount of the accepting party in case the fund information includes the accepting ticket; and forbidding to authorize the acceptance bill of the acceptance party under the condition that the payment risk level exceeds a preset level or the total sum of the current acceptance bill of the acceptance party exceeds the receivable amount.

When a customer purchases a product from my party (e.g., machinery such as a pump truck, crane, and mixer truck), payment may be made in the form of an acceptance ticket. In the case where the funds information includes an acceptance ticket, it is necessary to determine the level of payment risk and the amount of collectable money of the accepting party. If the payment risk level of the accepting party is larger, the maintenance fund payment party is larger in risk level, belongs to a blacklist rank and belongs to a list forbidden to collect, and therefore the accepting party is probably unable to accept, and at the moment, the accepting bill of the accepting party is forbidden to be paid. If the payment risk level of the accepting party is smaller, the risk level of the capital paying party is maintained to be smaller, and the capital paying party belongs to a white list, and is a list needing to carry out limit control; if the total sum of the current acceptance bills of the acceptance party exceeds the chargeable amount, the acceptance bills of the acceptance party are prohibited to be recognized; the probability of cashing failure of our party is reduced, and the economic benefit of our party is guaranteed. For the white list, regarding the limit management, the receivable limit of the payer can be dynamically calculated through a bank risk level model, the amount of money returned and the risk level ratio. A risk database is established for the bill fund, different grades can be established for the fund through a risk model, differential claiming and bookkeeping control are carried out on the fund with different risk grades, and fund risks are effectively avoided. The black list and the white list can be dynamically updated according to market conditions.

In an embodiment, the method further comprises: acquiring a payment account set of a client; and sending an alarm indication under the condition that the payment account number does not belong to the client payment account number set. If the payment account number does not belong to the client payment account number set, at the moment, the salesman can replace the client to pay; the customer makes a payment, and the salesman does not in time go back, and the public money is used, and the payment is delayed, and the salesman does not immediately make a payment according to the instruction of the customer, and the payment is delayed for a certain period, and the party of making a payment has just become the salesman, and the payment account number has changed, at this moment, needs in time to send out alarm indication, avoids the payment of goods to use the problem of encroaching.

As another example of the early warning, if a certain accepting party bank appears in a certain area in a high density manner, a ticket-reversing dealer can be in the area to reverse the ticket, the ticket-reversing dealer has a large number of accepting tickets of the certain bank on the hand of the ticket-reversing dealer, the accepting tickets in the certain area can not be needed temporarily, and the early warning is given, so that the situation that the good ticket and the bad ticket are exchanged is feared (for example, the customer originally provides a good guarantee ticket for the large bank, and the customer is changed into a poor guarantee ticket for the small bank, and the ticket-reversing dealer or the salesman earns the difference price). In a word, early warning rules with different dimensions are configured, data meeting the early warning rules are triggered according to the fund and recognition records, and early warning information records are formed.

In an embodiment, the funding information further comprises at least one of: time of the payment, amount of the payment, manner of the payment and type of the payment; the money-returning accounting method further comprises the following steps: and storing the money incoming time, the money incoming amount, the money incoming mode and the money incoming type for the user to inquire. The bank transfer and acceptance bill funds of the collection account numbers of all companies are collected in a centralized manner and are provided for the user to inquire according to different dimensions. The type of money coming is generally divided into bank transfers and acceptance of bill funds. All fund-related attribute information is associated and available for inquiry, such as customer number, customer name, payer, payment number, and the like.

In one embodiment, the refund accounting method further comprises: and generating a financial bookkeeping voucher according to the cash-back decomposition sheet, and pushing the fund posting information to the target client after the cash-back bookkeeping is completed. In the embodiment of the invention, after the customer receives the money, the automatic fund distribution and the automatic fund accounting are realized, the automatic process from the payment returning to the payment entering of the customer is realized, the fund payment entering efficiency is improved, the overdue risk of the customer is reduced, the fund payment entering information is synchronously pushed to the customer, the customer can know the payment returning condition at any time, and the customer satisfaction is improved; the business personnel, financial personnel and clients can master remittance funds to be paid out and resolve the billing situation at any time.

In one embodiment, the refund accounting method further comprises: generating fund decomposition details after remittance funds of a target client are distributed and confirmed according to an order repayment plan, order overdue data and order repayment priority; and associating the fund decomposition detail with the fund withdrawal decomposition list. When a customer purchases a product of our party (such as a mechanical device such as a pump truck, a crane and a mixer truck), money transfer to our party is needed; the customer may involve multiple debt orders on my side, may involve multiple collection bodies, etc., and the model of payment for each customer is complex. After a customer receives money, the funds can be allocated to different orders and can be allocated to different collection account numbers or collection bodies, namely, the funds for receiving money of the customer are allocated and confirmed according to an order payment plan, order overdue data and order payment priority of the customer, and the use of the funds is automatically determined through a payment model, so that fund decomposition details are generated, the destination of each money for receiving money of the customer can be clearly and clearly known through the fund decomposition details, how the money for receiving money is decomposed can be known, and finally, which orders are allocated to receive money and which collection bodies are allocated; the fund breakdown particulars are associated with the rebate sheet.

In one embodiment, the reimbursement accounting method further includes: determining accounting voucher templates corresponding to the distributed funds according to the money receiving mode of the remittance funds and the fund decomposition details; generating a financial billing voucher based on the billing voucher template. After the customer receives the money and distributes the money, the financial bookkeeping is finally carried out, the bookkeeping voucher templates of each type of scenes are different, the bookkeeping voucher templates are multiple, the bookkeeping voucher templates corresponding to the distributed money can be determined according to the money receiving mode and the money decomposition details of remittance money, and after the money decomposition action of each type of scenes is executed, the system can automatically generate the financial bookkeeping voucher corresponding to the format and the content of the template.

The invention relates to a model for automatically identifying and distributing refund funds, which is used for obtaining fund information remitted by a client according to direct connection of a bank and an enterprise, determining the client to which the funds belong by matching and identifying the fund information and a recognition record of a historical refund notice, and obtaining a client repayment plan and an order repayment priority through a client repayment model to realize automatic completion of fund distribution and bookkeeping, so that an automatic flow from account to account of client repayment is realized, the fund posting efficiency is improved, the overdue risk of the client is reduced, meanwhile, fund posting information is also pushed to the client, the client can know the repayment situation at any time, and the satisfaction degree of the client is improved.

The following is a supplementary description of the refund accounting method according to an embodiment of the present invention in a modular form.

Fig. 3 is a schematic diagram showing the architecture of the automatic sales reimbursement accounting system according to an embodiment of the present invention, and see fig. 3. The system mainly comprises a fund direct connection module 13, a fund claiming module 17, a fund accounting module 22, a fund risk management module 27 and other functional modules.

The fund direct connection module 13 mainly comprises: the bank transfer sub-module 10, the acceptance transfer sub-module 11 and the reprint account sub-module 12. Wherein (1) the bank transfer sub-module 10: the module automatically synchronizes fund information of a customer who transfers funds or scans the funds through a bank by a bank system into a database through a bank-enterprise direct connection technology. (2) acceptance transfer submodule 11: the module automatically synchronizes the fund information of the bills into a database from a bank system through the acceptance bills of the bank endorsements by the bank-enterprise direct connection technology. (3) reconsider account number submodule 12: the module maintains a heavy-client collection account number of each client, the collection account number is used for quickly distinguishing various money paid by the client, and the identification code is a unique identification mark for the fund exchange of the client.

The fund claim module 17 mainly comprises: a fund pool submodule 14, a money return notice submodule 15 and an overdue management submodule 16. Wherein (1) the fund pool submodule 14: the bank transfer and acceptance bill funds of the collection account numbers of all companies are collected in a centralized manner and are provided for the user to inquire according to different dimensions. (2) a money-withdrawal notice sub-module 15: the fund usage according to different service scenes can determine different types of purposes for the fund, and meanwhile, the fund can be actively confirmed or automatically confirmed by the system. (3) overdue management submodule 16: through the management of the client order repayment plan, the overdue record of the client order is obtained, automatic assistance is realized during fund recognition, and reasonable and correct fund distribution is realized.

The fund accounting module 22 mainly includes: a repayment plan submodule 18, a repayment decomposition submodule 19, a fund counting submodule 20 and a voucher template submodule 21. Wherein (1) repayment plan sub-module 18: and managing and maintaining information such as repayment plan detail and priority level of each order of each client, and recording the real collection amount of each line of the repayment plan. (2) the fund return decomposition submodule 19: and managing and maintaining each fund decomposition detail and automatically associating with the accounting voucher. (3) the funding tree submodule 20: and managing and maintaining each virtual fund decomposition detail and automatically associating with the fund withdrawal decomposition list. (4) the credential template submodule 21: and managing and maintaining the accounting voucher templates of each type of scene, and automatically generating the financial accounting voucher corresponding to the format and the content of the templates by the system after the fund decomposition action of each type of scene is executed.

The fund risk management module 27 mainly includes: white list submodule 23, black list submodule 24, quota managing submodule 25 and early warning rule submodule 26. Wherein (1) the whitelist sub-module 23: and maintaining a user list which has a smaller risk level of a capital payer and needs to perform limit control. (2) blacklist sub-module 24: the risk level of the fund payer is maintained to be higher, and the fund payer belongs to a user list which is strictly forbidden to collect. (3) quota managing module 25: aiming at the white list user, the receivable amount of the payer is dynamically calculated through a bank risk level model, the amount of the returned money, the risk level ratio and the like. (4) early warning rules sub-module 26: and configuring early warning rules with different dimensions, triggering data meeting the early warning rules according to the fund and the recognition records, and forming early warning information records.

In the embodiment, the fund distribution module is also involved, and funds are automatically distributed according to the result of fund identification and the distribution result is automatically billed. According to the clients in the fund information, the overdue data and the exposure data (understood as arrears data) of the clients on each platform are obtained through the overdue exposure submodule of the clients, and the fund use is confirmed; allocating funds according to rule logics in an inter-company allocation rule module and a priority rule receiving module based on a fund allocation algorithm and by combining overdue data of customers; and automatically transmitting the fund distribution data of different fund modes to the financial system for automatic accounting.

In summary, in the embodiment of the present invention, (1) the data of the original information islands are connected in series, and are combined into a line for upgrading and transparentizing; the off-line communication mode which needs to be repeated is eliminated, the communication cost is reduced, and meanwhile business personnel, financial personnel and clients can master the fund account and decompose the accounting condition at any time. (2) The proportion of business personnel participating in the fund claiming process is reduced, the fund claiming period is shortened, the situation that no person approves the fund due to personnel transaction is eliminated, most of the fund can automatically identify the affiliated customers through the model, and the fund approving efficiency and the decomposition posting efficiency are improved. (3) The fund use and the optimal distribution detail are automatically determined through the distribution model, the manual checking operation is reduced, the error condition of 'Zhangguanli wear' in the manual operation is eliminated, the checking accuracy is improved, and the working quality is improved. (4) According to different money modes and fund distribution details, the method is adapted to different accounting templates, automatic accounting of finance is achieved, and work efficiency is greatly improved. (5) A risk database is established for the bill fund, different grades can be established for the fund through a risk model, differential claiming and bookkeeping control are carried out on the fund with different risk grades, and fund risks are effectively avoided. (6) The whole process from remittance to posting of the communicated funds from the client integrates a plurality of systems, realizes smooth circulation of data flow among the systems and has no data difference.

An embodiment of the present invention provides a processor configured to perform any one of the above-mentioned embodiments of the reimbursement accounting method.

In particular, the processor may be configured to:

obtaining fund information of remittance of a customer;

obtaining a repayment model of a target customer;

distributing and identifying remittance funds of the target client according to the order repayment plan, the order overdue data and the order repayment priority, and generating a repayment decomposition list;

and generating a financial bookkeeping voucher according to the money return decomposition list, and finishing money return bookkeeping.

In an embodiment of the invention, the processor is configured to:

the funds information includes a target collection account number,

In an embodiment of the invention, the processor is configured to:

the order repayment priority is as follows from high to low in sequence: overdue orders under the target collection account, overdue orders under other collection accounts, non-overdue orders under the target collection account with a first overdue risk level, non-overdue orders under the target collection account with a second overdue risk level, non-overdue orders under other collection accounts with a first overdue risk level, and non-overdue orders under other collection accounts with a second overdue risk level;

In an embodiment of the invention, the processor is configured to:

determining the payment amount of a customer according to the target collection account, wherein the payment amount comprises a host money and an accessory money, and the host money and the accessory money respectively correspond to a target collection account;

in the event that the money is determined to be part money, remittance funds are allocated to the part order.

In an embodiment of the invention, the money comprises a first payment and a monthly offer, the processor being configured to:

under the condition that the historical repayment record of the target order placed by the target client is not inquired, determining the money as the first payment of the target order, and distributing remittance funds to the first payment of the target order;

in the event that a historical record of the repayment of the target order by the target customer has been queried, the funds are determined to be the monthly supply for the target order and the remittance funds are allocated to the monthly supply for the target order.

In an embodiment of the invention, the processor is configured to:

and forbidding to authorize the acceptance bill of the acceptance party under the condition that the payment risk level exceeds a preset level or the total sum of the current acceptance bill of the acceptance party exceeds the receivable amount.

In an embodiment of the invention, the processor is configured to:

the fund information comprises a customer number and/or a customer name;

In an embodiment of the invention, the processor is configured to:

the fund information comprises a payer and/or a payment account number;

and determining a target client to which the fund belongs according to the payer, the payment account and the historical repayment notice.

In an embodiment of the invention, the processor is configured to:

acquiring a payment account set of a client;

and sending an alarm indication under the condition that the payment account number does not belong to the client payment account number set.

the processor is configured to:

In an embodiment of the invention, the processor is configured to:

and generating a financial bookkeeping voucher according to the fund withdrawal decomposition sheet, and pushing the fund posting information to the target client after the fund withdrawal bookkeeping is completed.

In an embodiment of the invention, the processor is configured to:

generating fund decomposition details after allocating and paying remittance funds of a target client according to an order repayment plan, order overdue data and order repayment priority;

In an embodiment of the invention, the processor is configured to:

generating a financial billing voucher based on the billing voucher template.

A fourth aspect of the present invention provides a machine-readable storage medium having stored thereon instructions for causing a machine to perform any one of the above-described method for refund billing.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). The memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrases "comprising one of 8230; \8230;" 8230; "does not exclude the presence of additional like elements in a process, method, article, or apparatus that comprises the element.

The above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art to which the present application pertains. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A refund accounting method is characterized by comprising the following steps:

obtaining fund information of remittance of a customer;

obtaining a repayment model of the target customer;

according to the repayment model, determining an order repayment plan, order overdue data and order repayment priority of the target client;

according to the order repayment plan, the order overdue data and the order repayment priority, allocating and identifying remittance funds of the target customer and generating a refund decomposition list;

2. The method of claim 1, wherein the funding information comprises a target collection account number,

the step of determining the target customer to which the fund belongs according to the fund information comprises the following steps:

3. The method of claim 2, wherein the repayment priority of the order is, in order from high to low: overdue orders under the target collection account, overdue orders under other collection accounts, non-overdue orders under the target collection account at a first overdue risk level, non-overdue orders under the target collection account at a second overdue risk level, non-overdue orders under other collection accounts at a first overdue risk level, and non-overdue orders under other collection accounts at a second overdue risk level;

the target collection account and the other collection accounts belong to the same collection subject, and the first overdue risk level is higher than the second overdue risk level.

4. The method of claim 2, further comprising:

in the event that the funds are determined to be host funds, distributing the remittance funds to a host order;

in the event that the money is determined to be an accessory fund, the money transfer funds are allocated to an accessory order.

5. The method of claim 4, wherein the funds comprise first payments and monthly payments, the method further comprising:

determining the money as the initial payment of the target order and distributing the remittance funds to the initial payment of the target order under the condition that the historical repayment record of the target order by the target client is not inquired;

determining the money as the monthly supply of the target order and distributing the remittance funds to the monthly supply of the target order when the historical repayment record of the target order by the target customer is inquired.

6. The method of claim 1, further comprising:

determining a payment risk level and a collectable amount of a recipient in case the fund information includes a receipt;

and forbidding to authorize the acceptance bill of the acceptance party under the condition that the payment risk level exceeds a preset level or the total amount of the current acceptance bill of the acceptance party exceeds the receivable amount.

7. The method of claim 1, wherein the funding information comprises a customer number and/or a customer name;

8. The method of claim 1, wherein the funding information comprises a payer and/or a payment account number;

the determining the target customer to which the fund belongs according to the fund information comprises:

9. The method of claim 8, further comprising:

acquiring a payment account set of a client;

and sending out an alarm indication under the condition that the payment account number does not belong to the client payment account number set.

10. The method of claim 1, wherein the funding information further comprises at least one of: the time of the money coming, the amount of the money coming, the manner of the money coming and the type of the money coming;

the method further comprises the following steps:

and storing the money receiving time, the money receiving amount, the money receiving mode and the money receiving type for the user to inquire.

11. The method of claim 1, further comprising:

and generating a financial bookkeeping voucher according to the fund withdrawal decomposition sheet, and pushing fund posting information to the target client after the fund withdrawal bookkeeping is completed.

12. The method of claim 1, further comprising:

generating fund decomposition details after the remittance fund of the target client is distributed and confirmed according to the order repayment plan, the order overdue data and the order repayment priority;

and associating the fund decomposition detail with the fund decomposition list.

13. The method of claim 12, further comprising:

generating the financial billing voucher based on the billing voucher template.

14. A processor configured to carry out a chargeback billing method according to any one of claims 1 to 13.

15. A computer device comprising the processor of claim 14.

16. A machine-readable storage medium having instructions stored thereon for causing a machine to perform a method of refund billing according to any of claims 1 to 13.