CN117011075A - Financial cashing management system for intelligent payment - Google Patents
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Abstract
The application relates to the technical field of financial cashing management, and discloses a financial cashing management system for intelligent payment, which comprises the following components: the system comprises an intelligent payment channel identification module, an intelligent payment information integration module, an intelligent payment information storage module, a comprehensive analysis module, a report generation module, a revenue calculation module and a tax to be paid calculation module; the intelligent payment channel identification module is used for identifying which intelligent payment channel is used by the customer for carrying out the amount payment; and the intelligent payment information integration module is used for integrating all information during the payment of the client so as to form a piece of payment transaction data. The intelligent payment information data stored in the storage module can be comprehensively evaluated and analyzed, and an evaluation report can be made according to the result obtained by the comprehensive evaluation and analysis, so that a merchant can reasonably adjust the operation activity by using the evaluation report, the operation activity can be more efficient, and the cost of the operation activity is reduced.
Description
Technical Field
The application relates to the technical field of financial cashing management, and particularly discloses a financial cashing management system for intelligent payment.
Background
Financial collection is one of the main purposes in business activities, which enables normal revenue and normal business activities of merchants through transfer between money. With the rapid development of modern electronic technology and internet technology, smart payment is becoming a major payment method for people's daily consumption. The merchant and the customer automatically transfer the amount paid by the customer to the merchant's account during the transaction through smart payment, and the financial information data generated during the process automatically enters the merchant's financial cashing management system for storage. However, the existing financial cashing management system only can store payment transaction data and inquire the data, and cannot make comprehensive evaluation reports according to the stored data information so that merchants can reasonably adjust business activities. In addition, in the normal operation process, the merchant also needs to manually calculate the amount according to the data in the financial cashing management system by the financial cashing personnel, calculates the tax needing to be paid, so that errors do not occur easily, and the workload of the financial personnel is also increased easily.
Disclosure of Invention
The application mainly solves the technical problem of providing a financial cashing management system for intelligent payment, which can solve the problems that the existing financial cashing management system has single function, cannot make comprehensive evaluation according to internal transaction payment information and cannot automatically calculate corresponding tax amount.
To solve the above-mentioned problems, according to one aspect of the present application, more specifically, a financial cashing management system for smart payment includes: the system comprises an intelligent payment channel identification module, an intelligent payment information integration module, an intelligent payment information storage module, a comprehensive analysis module, a report generation module, a revenue calculation module and a tax to be paid calculation module;
the intelligent payment channel identification module is used for identifying which intelligent payment channel is used by the customer for carrying out the amount payment;
the intelligent payment information integration module is used for integrating all information during the payment of the client so as to form a piece of payment transaction data;
the intelligent payment information storage module is used for storing the integrated data of the intelligent payment information integration module;
the comprehensive analysis module is used for analyzing and processing the data stored in the intelligent payment information storage module and obtaining an analysis result;
the report generation module is used for generating a report according to the analysis result of the comprehensive analysis module;
the system comprises an intelligent payment information storage module, an encyclopedia calculation module and a management module, wherein the intelligent payment information storage module is used for storing intelligent payment information;
and the tax amount payable calculation module is used for automatically calculating the tax amount payed correspondingly according to the tax amount calculation module and the current tax amount calculation formula.
Still further, the smart payment channel identification module includes: the bank card payment recognition module, the code scanning recognition module and the face payment recognition module;
the bank card payment identification module is used for identifying the bank card of the bank used by the user to pay;
the code scanning identification module is used for identifying the two-dimensional code information of payment and judging which intelligent payment platform is used for payment by a user;
and the facial payment recognition module is used for judging which intelligent payment platform is adopted by the user to pay according to facial recognition payments of different platforms.
Still further, the smart payment information integration module includes: the system comprises a transaction order number module, a payment channel acquisition module, a payment amount acquisition module, a payment time acquisition module and a transaction commodity information acquisition module;
the trade order numbering module is used for numbering trade order data according to the sequence;
the payment channel acquisition module is used for acquiring an intelligent payment platform for payment according to the identification result of the payment channel identification module;
the payment amount acquisition module is used for acquiring the payment amount information;
the payment time acquisition module is used for acquiring time information of payment completion;
and the transaction commodity information acquisition module is used for acquiring commodity information of the transaction.
Further, the specific analysis process of the comprehensive analysis module is as follows: acquiring all payment information data from an intelligent payment information storage module, and extracting month information with highest annual revenue; and then analyzing to obtain the information of the business peak month, wherein the specific analysis process is as follows:
wherein S is m For the analyzed month information, i is the month information with the highest annual revenue, Y L For all of the year data, the data is displayed,e is an adjusting factor, and the value of e is generally 0.85-0.9 for the total number of occurrences of each month with the highest annual revenue;
after analyzing the month information of the trade peak, analyzing the trade peak day in each trade peak month, wherein the specific analysis process is as follows:
wherein S is D For the analyzed trade peak day information, d is the day information with highest nutrient in each trade peak month, m L For all peak month data of the transaction,f is an adjusting factor, and the value of f is generally 0.8-0.9 for the total number of the highest daily occurrence of the nutrient receipts in all transaction peak months;
finally, according to the data in the intelligent payment information storage module, the annual trade peak month and the trade peak day information of each trade peak month can be comprehensively analyzed.
Still further, the revenue calculation module includes: a daily camp calculating module, a monthly camp calculating module and a annual camp calculating module; the above three modules are used to calculate the total daily, monthly and yearly revenue amounts, respectively.
Still further, the tax due calculation module includes: a quarter tax due calculation module and a year tax due calculation module;
the quarter tax payment calculation module is used for automatically calculating the tax to be paid in each quarter according to the sum of the campaigns in each quarter and the tax calculation formula;
the annual tax payment calculating module is used for automatically calculating the tax to be paid in each year according to the sum of the campaigns in each year and the tax calculation formula.
Still further, the smart payment information storage module includes: a data preprocessing module for preprocessing data and a data protection module for providing protection for the data, wherein:
the data preprocessing module comprises: the condition-based classification module is used for classifying the data in the intelligent payment information storage module according to a certain condition; the classified data storage module is used for independently storing the classified data into a storage block;
the data protection module includes: the data calling temporary suspension module is used for temporarily suspending the data calling operation; the data calling detection module is used for detecting the temporarily suspended data calling operation and judging whether the current data calling operation is illegal data calling operation or not.
Further, after the data calling module detects that the current data calling operation is illegal operation, all data in the intelligent payment information storage module are copied into one copy and put into a newly opened storage area, the original storage area is latched at the same time, each copied data is divided according to the data type, so that a plurality of single data can be obtained, a plurality of single data of the same type are placed in the same array, and then the single data in a plurality of data are randomly combined into a plurality of new data according to the following formula:
wherein SJ is a random number, length is the length of each array, random is a random integer in (0, length), operation number is (length- γ), and γ is an execution adjustment parameter;
transferring the temporary data calling operation to the newly opened storage area, and feeding back a plurality of pieces of data combined by the random unit to a calling person; otherwise, the intelligent payment information storage module is normally accessed to call the internal normal data.
Still further, the system further comprises: calling a display module and an identity verification module;
the calling and displaying module is used for calling and displaying the data in the intelligent payment information storage module and comprises a conditional query module which can call and display the data meeting the conditions by inputting certain conditions;
the identity verification module is used for verifying the identity of the caller, and after the identity verification is passed, the identity verification module can be used for carrying out calling and displaying on the data in the intelligent payment information storage module, and comprises a face identification verification module, a fingerprint identification verification module and an account password verification module; the face recognition verification module is used for realizing verification through recognizing face information of personnel; the fingerprint identification verification module is used for realizing verification through identifying fingerprint information of personnel; and the account password verification module is used for realizing verification by identifying whether the account password is correct.
The financial cashing management system for intelligent payment has the beneficial effects that: the payment channel of the user can be automatically identified, and the payment information such as payment amount, payment time, payment channel and transaction commodity information used for the user are integrated into a piece of finished data and stored in the storage module. And the automatic calculation of the credit and the tax amount can be automatically carried out according to the data information stored in the storage module, and the automatic and accurate calculation of the tax amount paid by the merchant is carried out according to the credit and the tax amount and the existing tax formula, so that the condition of errors caused by manual calculation is avoided. In addition, the intelligent payment information data stored in the storage module can be comprehensively evaluated and analyzed, and an evaluation report can be made according to the result obtained by the comprehensive evaluation and analysis, so that a merchant can reasonably adjust the operation activity by using the evaluation report, the operation activity can be more efficient, and the cost of the operation activity is reduced. In addition, the data in the storage module can realize self protection, and the situation that the management data is lost or tampered due to illegal data access of Trojan viruses and the like is avoided, so that malicious business competition occurs.
Drawings
The application will be described in further detail with reference to the accompanying drawings and detailed description.
FIG. 1 is a schematic diagram of a system principle;
fig. 2 is a schematic system configuration diagram of the smart payment information storage module.
Detailed Description
The application will be described in detail hereinafter with reference to the drawings in conjunction with embodiments. It should be noted that, without conflict, the embodiments of the present application and features of the embodiments may be combined with each other.
According to one aspect of the present application, as shown in fig. 1-2, there is provided a financial cashier management system for smart payment, comprising:
and the intelligent payment channel identification module is used for identifying which intelligent payment channel is used by the customer for carrying out the amount payment. The module comprises: the bank card payment identification module is used for identifying the bank card of the bank to be used by the user for payment, for example, pos machine card swiping payment is adopted, and at the moment, the bank card of which bank is adopted by the user for payment can be identified; the code scanning identification module is used for identifying the payment two-dimensional code information and judging which intelligent payment platform is used by the user for payment, and comprises the steps that a merchant scans the payment two-dimensional code of the user by adopting code scanning equipment and a customer scans the payment two-dimensional code of the merchant by using handheld equipment; the face payment recognition module is used for judging that the user uses the intelligent payment platform to pay according to the face recognition payments of different platforms, for example, when a merchant uses WeChat payment equipment to scan the face of the user, the user uses WeChat payment platform to pay at the moment, or when the merchant uses payment equipment to scan the face of the user, the user uses payment equipment to pay at the moment.
And the intelligent payment information integration module is used for integrating all information during the payment of the client so as to form a piece of payment transaction data. The module comprises: the trade order numbering module is used for numbering trade order data according to the sequence; the payment channel acquisition module is used for acquiring an intelligent payment platform for payment according to the identification result of the payment channel identification module; the payment amount acquisition module is used for acquiring the payment amount information; the payment time acquisition module is used for acquiring time information of payment completion; and the transaction commodity information acquisition module is used for acquiring commodity information of the transaction. For example, the customer completes payment 50-yuan for commodity "A" at point 9 by the Payment platform, at which point this information is integrated into the following complete payment data.
Order number | Goods commodity | Payment amount (Yuan) | Payment time | Payment channel |
1 | A | 50 | 9:00 | Payment device |
And the intelligent payment information storage module is used for storing the integrated data of the intelligent payment information integration module. The module comprises: a data preprocessing module for preprocessing data and a data protection module for providing protection for the data, wherein: the data preprocessing module comprises: the classification module according to the condition is used for classifying the data in the intelligent payment information storage module according to a certain condition, for example, classifying all the data under the same payment channel into one class according to the condition of 'payment channel'; the classified data storage module is used for independently storing the classified data into a storage block; the data protection module includes: the data calling temporary suspension module is used for temporarily suspending the data calling operation; the data calling detection module is used for detecting temporarily suspended data calling operation and judging whether the current data calling operation is illegal data calling operation or not, when the previous data calling operation is detected to be illegal operation (for example, the data calling in the intelligent payment information storage module is carried out without identity verification), all data in the intelligent payment information storage module are copied into one part and put into a newly opened storage area, the original storage area is latched at the same time, then each copied data is divided according to the data type, so that a plurality of single data can be obtained, and a plurality of single data of the same type are placed in the same array, for example, the data can be divided into four major types of data according to the four types of commodity, payment amount, payment time and payment channel, and meanwhile, single data in each major type form an array, so that the following steps:
commodity= [ x ] 1 ,x 2 ,...,x n ],
Payment amount = [ y ] 1 ,y 2 ,...,y n ],
Payment time =[a 1 ,a 2 ,...,a n ],
Payment channel= [ b ] 1 ,b 2 ,...,b n ],
Then, all four arrays are operated by the following formula, so that a plurality of pieces of data randomly combined by four types of single data can be obtained:
wherein SJ is a random number, length is the length of each array, and random is (0, length)]The random integer of (length-gamma) is the operation times, and gamma is the execution regulation parameter, which is generally 1/3-1/2 of the data length; transferring the temporary data calling operation to the newly opened storage area, and feeding back several pieces of data combined randomly to the caller, for example, when four arrays are operated, the obtained random selection numbers SJ are sequentially 2, 5, 3 and 2, and the obtained data is "x 2 ,y 5 ,a 3 ,b 2 "; otherwise, the intelligent payment information storage module is normally accessed to call the internal normal data.
The comprehensive analysis module is used for analyzing and processing the data stored in the intelligent payment information storage module and obtaining an analysis result, and the specific analysis process is as follows: acquiring all payment information data from an intelligent payment information storage module, and extracting month information with highest annual revenue; and then analyzing to obtain the information of the business peak month, wherein the specific analysis process is as follows:
wherein S is m For the analyzed month information, i is the month information with the highest annual revenue, Y L For all of the year data, the data is displayed,for each month with highest annual revenueThe total number of the occurrences, e, is an adjusting factor, and the value of e is 0.9;
after analyzing the month information of the trade peak, analyzing the trade peak day in each trade peak month, wherein the specific analysis process is as follows:
wherein S is D For the analyzed trade peak day information, d is the day information with highest nutrient in each trade peak month, m L For all peak month data of the transaction,f is an adjusting factor, and the value of f is 0.85 for the total number of the maximum daily occurrence of the receipts in all transaction peak months;
finally, according to the data in the intelligent payment information storage module, the annual trade peak month and the trade peak day information of each trade peak month can be comprehensively analyzed.
And the report generation module is used for generating a report according to the analysis result of the comprehensive analysis module.
And the camp calculating module is used for calculating camp according to the data stored in the intelligent payment information storage module. The module comprises: a daily camp calculating module, a monthly camp calculating module and a annual camp calculating module; the above three modules are used to calculate the total daily, monthly and yearly revenue amounts, respectively.
And the tax amount payable calculation module is used for automatically calculating the tax amount payed correspondingly according to the tax amount calculation module and the current tax amount calculation formula. The module comprises: the quarter tax payment calculation module is used for automatically calculating the tax to be paid in each quarter according to the sum of the campaigns in each quarter and the tax calculation formula; the annual tax payment calculating module is used for automatically calculating the tax to be paid in each year according to the sum of the campaigns in each year and the tax calculation formula.
And the calling and displaying module is used for calling and displaying the data in the intelligent payment information storage module and comprises a conditional query module which can call and display the data meeting the conditions by inputting certain conditions. At this time, when the data is queried according to the conditions, the queried data can be directly retrieved from the classified data storage module, and the classified data storage module finishes classifying different types of data, so that the data query time can be greatly shortened, the data query efficiency is improved, and the effect is particularly obvious when the data volume is larger.
The identity verification module is used for verifying the identity of the caller, and after the identity verification is passed, the identity verification module can be used for carrying out calling and displaying on the data in the intelligent payment information storage module, and comprises a face identification verification module, a fingerprint identification verification module and an account password verification module; the face recognition verification module is used for realizing verification through recognizing face information of personnel; the fingerprint identification verification module is used for realizing verification through identifying fingerprint information of personnel; and the account password verification module is used for realizing verification by identifying whether the account password is correct.
Wherein the electrical components presented herein are all electrical components that are present in reality.
Of course, the above description is not intended to limit the application, but rather the application is not limited to the above examples, and variations, modifications, additions or substitutions within the spirit and scope of the application will be within the scope of the application.
Claims (9)
1. A financial cashier management system for smart payments, comprising: the system comprises an intelligent payment channel identification module, an intelligent payment information integration module, an intelligent payment information storage module, a comprehensive analysis module, a report generation module, a revenue calculation module and a tax to be paid calculation module;
the intelligent payment channel identification module is used for identifying which intelligent payment channel is used by the customer for carrying out the amount payment;
the intelligent payment information integration module is used for integrating all information during the payment of the client so as to form a piece of payment transaction data;
the intelligent payment information storage module is used for storing the integrated data of the intelligent payment information integration module;
the comprehensive analysis module is used for analyzing and processing the data stored in the intelligent payment information storage module and obtaining an analysis result;
the report generation module is used for generating a report according to the analysis result of the comprehensive analysis module;
the system comprises an intelligent payment information storage module, an encyclopedia calculation module and a management module, wherein the intelligent payment information storage module is used for storing intelligent payment information;
and the tax amount payable calculation module is used for automatically calculating the tax amount payed correspondingly according to the tax amount calculation module and the current tax amount calculation formula.
2. A financial cashier management system for smart payments as claimed in claim 1, wherein: the smart payment channel identification module includes: the bank card payment recognition module, the code scanning recognition module and the face payment recognition module;
the bank card payment identification module is used for identifying the bank card of the bank used by the user to pay;
the code scanning identification module is used for identifying the two-dimensional code information of payment and judging which intelligent payment platform is used for payment by a user;
and the facial payment recognition module is used for judging which intelligent payment platform is adopted by the user to pay according to facial recognition payments of different platforms.
3. A financial cashier management system for smart payments as claimed in claim 1, wherein: the intelligent payment information integration module comprises: the system comprises a transaction order number module, a payment channel acquisition module, a payment amount acquisition module, a payment time acquisition module and a transaction commodity information acquisition module;
the trade order numbering module is used for numbering trade order data according to the sequence;
the payment channel acquisition module is used for acquiring an intelligent payment platform for payment according to the identification result of the payment channel identification module;
the payment amount acquisition module is used for acquiring the payment amount information;
the payment time acquisition module is used for acquiring time information of payment completion;
and the transaction commodity information acquisition module is used for acquiring commodity information of the transaction.
4. A financial cashier management system for smart payments as claimed in claim 1, wherein: the specific analysis process of the comprehensive analysis module is as follows: acquiring all payment information data from an intelligent payment information storage module, and extracting month information with highest annual revenue; and then analyzing to obtain the information of the business peak month, wherein the specific analysis process is as follows:
wherein S is m For the analyzed month information, i is the month information with the highest annual revenue, Y L For all of the year data, the data is displayed,e is an adjusting factor, and the value of e is generally 0.85-0.9 for the total number of occurrences of each month with the highest annual revenue;
after analyzing the month information of the trade peak, analyzing the trade peak day in each trade peak month, wherein the specific analysis process is as follows:
wherein S is D For the analyzed trade peak day information, d is the day information with highest nutrient in each trade peak month, m L Peak for all transactionsThe data of the month of the year,f is an adjusting factor, and the value of f is generally 0.8-0.9 for the total number of the highest daily occurrence of the nutrient receipts in all transaction peak months;
finally, according to the data in the intelligent payment information storage module, the annual trade peak month and the trade peak day information of each trade peak month can be comprehensively analyzed.
5. A financial cashier management system for smart payments as claimed in claim 1, wherein: the revenue calculation module includes: a daily camp calculating module, a monthly camp calculating module and a annual camp calculating module; the above three modules are used to calculate the total daily, monthly and yearly revenue amounts, respectively.
6. A financial cashier management system for smart payments as claimed in claim 1, wherein: the tax payable calculation module comprises: a quarter tax due calculation module and a year tax due calculation module;
the quarter tax payment calculation module is used for automatically calculating the tax to be paid in each quarter according to the sum of the campaigns in each quarter and the tax calculation formula;
the annual tax payment calculating module is used for automatically calculating the tax to be paid in each year according to the sum of the campaigns in each year and the tax calculation formula.
7. A financial cashier management system for smart payments as claimed in claim 1, wherein: the smart payment information storage module includes: a data preprocessing module for preprocessing data and a data protection module for providing protection for the data, wherein:
the data preprocessing module comprises: the condition-based classification module is used for classifying the data in the intelligent payment information storage module according to a certain condition; the classified data storage module is used for independently storing the classified data into a storage block;
the data protection module includes: the data calling temporary suspension module is used for temporarily suspending the data calling operation; the data calling detection module is used for detecting the temporarily suspended data calling operation and judging whether the current data calling operation is illegal data calling operation or not.
8. A financial cashier management system for smart payments as claimed in claim 7, wherein: after detecting that the current data calling operation is illegal operation, the data calling module copies all data in the intelligent payment information storage module, puts the data into a newly opened storage area, latches the original storage area, then divides each copied data according to the data type, so that a plurality of single data can be obtained, places the plurality of single data of the same type into the same array, and randomly combines the single data in the plurality of data into a plurality of new data according to the following formula:
wherein SJ is a random number, length is the length of each array, random is a random integer in (0, length), operation number is (length- γ), and γ is an execution adjustment parameter;
transferring the temporary data calling operation to the newly opened storage area, and feeding back a plurality of pieces of data combined by the random unit to a calling person; otherwise, the intelligent payment information storage module is normally accessed to call the internal normal data.
9. A financial cashier management system for smart payments as claimed in claim 1, wherein: the system further comprises: calling a display module and an identity verification module;
the calling and displaying module is used for calling and displaying the data in the intelligent payment information storage module and comprises a conditional query module which can call and display the data meeting the conditions by inputting certain conditions;
the identity verification module is used for verifying the identity of the caller, and after the identity verification is passed, the identity verification module can be used for carrying out calling and displaying on the data in the intelligent payment information storage module, and comprises a face identification verification module, a fingerprint identification verification module and an account password verification module; the face recognition verification module is used for realizing verification through recognizing face information of personnel; the fingerprint identification verification module is used for realizing verification through identifying fingerprint information of personnel; and the account password verification module is used for realizing verification by identifying whether the account password is correct.
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CN108269183A (en) * | 2018-01-19 | 2018-07-10 | 北京闪猫科技有限公司 | A kind of financial accounting intelligent agent service system, electronic equipment and method |
CN111476594A (en) * | 2020-03-05 | 2020-07-31 | 武汉和悦数字科技有限公司 | Internet marketing platform based on SAAS |
CN113723943A (en) * | 2021-09-02 | 2021-11-30 | 广东付惠吧数据服务有限公司 | Make things convenient for commercial tenant account management's polymerization payment platform |
WO2022271428A1 (en) * | 2021-06-24 | 2022-12-29 | Block, Inc. | Automatic tax account management |
CN115564549A (en) * | 2022-11-10 | 2023-01-03 | 深圳标普云科技有限公司 | Enterprise intelligent tax meter payment declaration method and system |
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CN108269183A (en) * | 2018-01-19 | 2018-07-10 | 北京闪猫科技有限公司 | A kind of financial accounting intelligent agent service system, electronic equipment and method |
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CN113723943A (en) * | 2021-09-02 | 2021-11-30 | 广东付惠吧数据服务有限公司 | Make things convenient for commercial tenant account management's polymerization payment platform |
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