CN117114669B - Account payment-based data processing method, device, equipment and medium - Google Patents

Account payment-based data processing method, device, equipment and medium Download PDF

Info

Publication number
CN117114669B
CN117114669B CN202311340998.5A CN202311340998A CN117114669B CN 117114669 B CN117114669 B CN 117114669B CN 202311340998 A CN202311340998 A CN 202311340998A CN 117114669 B CN117114669 B CN 117114669B
Authority
CN
China
Prior art keywords
payment
target
amount
account
accounts receivable
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CN202311340998.5A
Other languages
Chinese (zh)
Other versions
CN117114669A (en
Inventor
幸奠波
任小龙
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shenzhen Els Technology Co ltd
Original Assignee
Shenzhen Els Technology Co ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Shenzhen Els Technology Co ltd filed Critical Shenzhen Els Technology Co ltd
Priority to CN202311340998.5A priority Critical patent/CN117114669B/en
Publication of CN117114669A publication Critical patent/CN117114669A/en
Application granted granted Critical
Publication of CN117114669B publication Critical patent/CN117114669B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Abstract

The invention discloses a data processing method, a device, equipment and a medium based on account payment, wherein the method comprises the following steps: resolving the account payment request to obtain corresponding vendor information; acquiring all corresponding accounts receivable times according to the supplier mark information, and determining all the accounts receivable times with the time interval of the current time within a preset time range; calculating all accounts receivable accounts of the supplier in the preset time range according to the determined all accounts receivable time; determining a corresponding preset reference discount rate and an early payment proportion according to the provider grade information; and sending all calculated accounts receivable amounts and the determined reference discount rate and early payment proportion to the client side for selection by a user. The method can conveniently and accurately realize effective automatic management of the account amount which can be extracted by the provider.

Description

Account payment-based data processing method, device, equipment and medium
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a data processing method, apparatus, device, and medium based on account payment.
Background
The selection and management of suppliers is an important ring of enterprise management, and enterprises can only achieve long-term success in the market if excellent suppliers are selected and good cooperation relation is established between the excellent suppliers and the suppliers. If a good cooperation relationship is to be established, the funds flow of the suppliers is required to be promoted, and the account period of the suppliers is shortened, but the current enterprises may have a plurality of suppliers, and the payment of the accounts of the owed suppliers generally only has simple time limit requirements, etc., if the requirements of different suppliers for the refund are different, the enterprises can not effectively realize the automatic management of the accounts of the paid suppliers.
Disclosure of Invention
The embodiment of the invention provides a data processing method, device, equipment and medium based on account payment, which aim to solve the problem that the automatic management of payment accounts of payment suppliers cannot be effectively realized in the prior art.
In a first aspect, an embodiment of the present invention provides a data processing method based on account payment, where the method is applied to a management server, and the method includes:
if an account payment request initiated by a client is received, analyzing the account payment request to obtain corresponding provider information, wherein the provider information at least comprises provider mark information and provider grade information;
Acquiring all corresponding accounts receivable times according to the supplier mark information, and determining all the accounts receivable times with the time interval of the current time within a preset time range;
calculating all accounts receivable accounts of the supplier in the preset time range according to the determined all accounts receivable time;
determining corresponding preset reference discount rates and early payment proportions according to the provider grade information, wherein corresponding reference discount rates and early payment proportions are preset for different provider grades;
and sending all calculated accounts receivable amounts and the determined reference discount rate and early payment proportion to the client side for selection by a user.
In a second aspect, an embodiment of the present invention further provides a data processing apparatus based on account payment, where the apparatus is configured in a management server, and the apparatus includes:
the request analysis unit is used for analyzing the account payment request to obtain corresponding supplier information if the account payment request initiated by the client is received, wherein the supplier information at least comprises supplier mark information and supplier grade information;
The time acquisition unit is used for acquiring all corresponding accounts receivable times according to the supplier mark information and determining all the accounts receivable times of the time interval with the current time within a preset time range;
the credit calculating unit is used for calculating all accounts receivable credits of the supplier in the preset time range according to all the determined accounts receivable times;
the information confirmation unit is used for determining corresponding preset reference discount rate and advance payment proportion according to the provider grade information, wherein the corresponding reference discount rate and advance payment proportion are preset for different provider grades;
and the information processing unit is used for sending all the calculated accounts receivable amount, the determined reference discount rate and the determined advance payment proportion to the client side for selection by a user.
In a third aspect, an embodiment of the present invention further provides a computer device, where the device includes a processor, a communication interface, a memory, and a communication bus, where the processor, the communication interface, and the memory complete communication with each other through the communication bus;
a memory for storing a computer program;
and the processor is used for realizing the steps of the data processing method based on the account payment according to the first aspect when executing the program stored in the memory.
In a fourth aspect, embodiments of the present invention also provide a computer readable storage medium having stored thereon a computer program, wherein the computer program when executed by a processor implements the steps of the account payment based data processing method as described in the first aspect above.
The embodiment of the invention provides a data processing method, a device, equipment and a medium based on account payment, wherein the method comprises the following steps: if an account payment request initiated by a client is received, analyzing the account payment request to obtain corresponding provider information, wherein the provider information at least comprises provider mark information and provider grade information; acquiring all corresponding accounts receivable times according to the supplier mark information, and determining all the accounts receivable times with the time interval of the current time within a preset time range; calculating all accounts receivable accounts of the supplier in the preset time range according to the determined all accounts receivable time; determining corresponding preset reference discount rates and early payment proportions according to the provider grade information, wherein corresponding reference discount rates and early payment proportions are preset for different provider grades; and sending all calculated accounts receivable amounts and the determined reference discount rate and early payment proportion to the client side for selection by a user. According to the data processing method based on account payment, the reference discount rate and the advanced payment proportion are determined according to the account payment request and the provider level, and automatic and efficient management of the account amount, the time limit and the final receivables which can be extracted by the provider can be conveniently and accurately achieved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a method for processing data based on account payment according to an embodiment of the present invention;
fig. 2 is an application scenario schematic diagram of a data processing method based on account payment according to an embodiment of the present invention;
FIG. 3 is a schematic block diagram of a data processing apparatus for account-based payment provided by an embodiment of the present invention;
fig. 4 is a schematic block diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be understood that the terms "comprises" and "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in this specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in the present specification and the appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes such combinations.
Referring to fig. 1 and 2, as shown in the drawings, an embodiment of the present invention provides an account payment-based data processing method, which is applied to a management server 10, and a user 20 initiates an account payment request through a client 30 according to a requirement, wherein the user may be a provider of an enterprise, and is not limited herein. Specifically, the management server 10 receives the account payment request and analyzes the account payment request to obtain corresponding vendor information, and the final current actual withdrawal amount can be determined according to the vendor information and the information such as the advanced payment total amount, the expected payment date, the payment mode and the like selected by the user 20. As shown in FIG. 1, the method includes steps S110 to S150.
Step S110, if an account payment request initiated by a client is received, the account payment request is analyzed to obtain corresponding provider information, wherein the provider information at least comprises provider mark information and provider grade information.
In this embodiment, if the management server receives the account payment request initiated by the client segment, the account payment request may be correspondingly parsed, so as to obtain corresponding provider information. Typically, the vendor information includes at least vendor identification information that can be used to determine the identity of the vendor, for example, information that can uniquely identify the vendor, such as a user name of the vendor.
Meanwhile, in order to facilitate the management of the suppliers, the grade can be preset according to the specific conditions of the suppliers through the management server, and the grade of each supplier is determined; i.e. corresponding vendor level information is available through the account payment request. For example, the provider grade information is that the provider is rated as grade A, grade B, grade C, grade D and the like according to actual conditions, wherein the grade A provider is the best quality provider, other providers are gradually decreased, different standards are applicable to the relevant preferential conditions or policies of the providers of different grades, and after grading, effective automatic management on account payment of the providers is facilitated.
Step S120, obtaining all corresponding receivables time according to the supplier flag information, and determining all receivables time with the time interval of the current time within the preset time range.
In this embodiment, there may typically be multiple accounts receivable for one vendor, with one accounts receivable time for each accounts receivable. The management server may preset a time range, that is, a preset time range, take the current time as a starting time point, and determine an ending time point according to the preset time range, where all accounts receivable times between the starting time point and the ending time point may be determined, where each accounts receivable time corresponds to an accounts receivable of a provider.
Step S130, all accounts receivable amount of the provider in the preset time range is calculated according to all the determined accounts receivable time.
In this embodiment, the management server may determine all corresponding accounts receivable according to all determined accounts receivable times, calculate all accounts receivable amounts of the provider within the preset time range, and determine the accounts receivable amounts of the provider within the preset time range.
Step S140, determining a corresponding preset reference discount rate and an advance payment ratio according to the provider level information, wherein different provider levels are preset with the corresponding reference discount rate and advance payment ratio.
In this embodiment, the management server may further determine a preset reference discount rate and an advance payment ratio according to the determined provider level information. I.e. different provider level information may be pre-associated with different reference discount rates and advance payment ratios. For example, for a class A provider, it may then reference discount rate (day) of 0.0209, reference discount rate (year) may be 7.50, and its early payment rate may be 80%; for class B suppliers, then the reference discount rate (day) may be 0.0223%, the reference discount rate (year) may be 8%, and the advance payment rate may be 75%; for class C suppliers, then the reference discount rate (day) may be 0.0250%, the reference discount rate (year) may be 9%, and the advance payment rate may be 70%; for class D suppliers, then the reference discount rate (day) may be 0.0278%, the reference discount rate (year) may be 10%, the advance payment rate may be 65%, etc. The specific setting of the reference discount rate and the advance payment ratio is not limited in this embodiment, and the corresponding adjustment and selection may be performed according to the actual situation.
Step S150, transmitting all the calculated accounts receivable amounts and the determined reference discount rate and advance payment proportion to the client for selection by the user.
In this embodiment, the management server may send the calculated accounts receivable amount, the determined reference discount rate and the early payment proportion to the client, and the user may select the relevant data correspondingly through the client. Typically, the management server may determine the final extracted amount of the provider, i.e. the final amount of the accounts paid by the corporation, according to the user's choice.
In a specific embodiment, before the step S150, the data processing method based on account payment further includes the following steps: and if the accounts receivable balance corresponding to the provider is detected, updating a value obtained by adding the accounts receivable balance and all the calculated accounts receivable amounts to be a new accounts receivable amount.
In this embodiment, if the management server calculates the accounts receivable amount, it may also detect whether the provider has accounts receivable balances, if so, add the accounts receivable balances to all accounts receivable amounts calculated, and update the added value to a new accounts receivable amount, thereby obtaining a final extractable amount of the provider, so that the enterprise manages the provider more effectively and conveniently.
In a specific embodiment, after the step S150, the data processing method based on account payment further includes the following steps:
if the total amount of advance payment, the expected payment date and the payment mode selected by the provider and sent by the client are received, calculating to obtain the target payment amount and the target discount profit amount according to the total amount of advance payment, the expected payment date and the corresponding reference discount rate and the corresponding advance payment proportion, wherein the total amount of advance payment selected is not greater than the product of all calculated accounts receivable amounts and the calculated advance payment proportion, and the total amount of advance payment is equal to the sum of the target payment amount and the target discount profit amount; and if an account payment confirmation instruction sent by the client is received, confirming that the corresponding target payment amount is the current actual withdrawal amount of the provider.
In this embodiment, the provider may determine the required total amount of advance payment, the expected payment date and the payment manner according to the related information returned by the management server and prompted by the client, and the management server may calculate the target payment amount and the target discount profit amount according to the total amount of advance payment, the expected payment date and the reference discount rate and the advance payment proportion corresponding to the level of the provider. The target payment amount is an account corresponding to the request of the supplier and to be paid by the enterprise, and the account needs to be deducted from the target discount profit amount related to the reference discount rate.
Wherein the provider selected advance payment sum is no greater than the product of all receivables calculated and the advance payment ratio, the advance payment sum being equal to the sum of the target payment sum and the target discount profit. If an account payment confirmation instruction initiated by the provider and sent by the client is received, the management server can confirm that the corresponding target payment amount is the current actual withdrawal amount of the provider, complete the processing of the related bill payment request and enter a subsequent payment flow.
In a specific embodiment, the step of calculating the target payment amount and the target discount profit amount according to the selected sum of the advance payments, the expected payment date and the corresponding reference discount rate and advance payment proportion comprises the following substeps:
calculating a target time period according to the current time and the expected payment date; determining the calculated product of the target time period and the reference discount rate and the sum of the advance payments as a target discount profit amount; the difference between the sum of advance payments and the target discount amount is determined as the target payment amount.
In this embodiment, the provider may send the predicted payment date to the management server through the client according to its own demand, calculate a target time period by calculating the current time and the predicted payment date, and determine the target discount amount by multiplying the target time period, the reference discount rate, and the advance payment total, while determining the difference between the advance payment total and the target discount amount as the target payment amount.
In a specific embodiment, the payment method is a draft payment method, different vendor grade information corresponds to a preset draft discount rate and draft payment period, and after the step S150, the data processing method based on account payment further includes the following steps:
if the advanced payment sum, the expected payment date and the draft payment mode selected by the provider and sent by the client are received, calculating to obtain a target payment sum and a target discount profit according to the selected advanced payment sum, the expected payment date and the corresponding reference discount rate, draft payment deadline and advanced payment proportion, wherein the selected advanced payment sum is not more than the product of all calculated accounts receivable sum and the calculated advanced payment proportion, and the advanced payment sum is equal to the sum of the target payment sum and the target discount profit; and if an account payment confirmation instruction sent by the client is received, confirming that the corresponding target payment amount is the current actual withdrawal amount of the provider.
In this embodiment, the payment mode selected by the provider may be a draft payment mode, but other payment modes are also possible, and the present invention is not limited thereto. At this time, different provider grade information is correspondingly set by a preset draft cash register and draft payment limit, and a corresponding time full cash register mode is set by the draft application mode.
Therefore, after the management server receives the advanced payment sum, the predicted payment date and the bill payment mode selected by the provider and sent by the client, the target payment sum and the target discount profit amount can be calculated according to the selected advanced payment sum, the predicted payment date and the corresponding reference discount rate, the bill payment term and the advanced payment proportion. The target payment amount is an account corresponding to the request of the supplier and to be paid by the enterprise, and the account needs to be deducted from the target discount profit amount related to the reference discount rate.
Wherein the provider selected advance payment sum is no greater than the product of all receivables calculated and the advance payment ratio, the advance payment sum being equal to the sum of the target payment sum and the target discount profit. If an account payment confirmation instruction initiated by the provider and sent by the client is received, the management server can confirm that the corresponding target payment amount is the current actual withdrawal amount of the provider, complete the processing of the related bill payment request and enter a subsequent payment flow.
In a specific embodiment, the step of calculating the target payment amount and the target discount profit amount according to the selected sum of the advance payments, the expected payment date and the corresponding reference discount rate, draft payment deadline and advance payment proportion comprises the following substeps:
Calculating a target time period according to the current time and the expected payment date; determining the calculated target time period and the product of the reference discount rate and the sum of the advance payments as a first target discount profit amount; determining a product of the draft discount rate, the draft payment deadline and the advanced payment total as a second target discount amount; determining a sum of the first target discount amount and the second target discount amount as a target discount amount; the difference between the sum of advance payments and the target discount amount is determined as the target payment amount.
In this embodiment, the provider may transmit the predicted payment date to the management server through the client according to its own demand, may calculate a target time period by calculating the current time and the predicted payment date, determine a first target discount-rate by multiplying the target time period by a reference discount rate and an advance payment total, and confirm the sum of the first target discount-rate and the second target discount-rate as a target discount-rate by determining the product of the draft discount rate, the draft payment period and the advance payment total as a second target discount-rate. And the management server can also determine the difference between the sum of the advance payments and the target discount profit amount as the target payment amount.
In a specific embodiment, the method further comprises the steps of: if an account payment change instruction initiated by the client is detected, calculating the time length from the current time to the receiving time of the last account payment confirmation instruction; if the calculated time length is within the preset valid application date range, analyzing the account payment change instruction and executing the account payment change instruction so as to realize the change of the advanced payment sum, the predicted payment date and the payment mode.
In this embodiment, the management server may preset an effective application date range, when an account payment modification instruction initiated by the client is detected, the time length between the current time and the time of receiving the last account payment confirmation instruction may be determined, and if the time length is within the effective application date range, the provider may be allowed to make a corresponding modification operation. For example, the total amount paid in advance, the expected payment date and the payment mode can be adjusted and changed, so that the management server can manage the account payment of the provider more efficiently and conveniently.
The data processing method, device, equipment and medium based on account payment provided by the embodiment of the invention comprise the following steps: if an account payment request initiated by a client is received, analyzing the account payment request to obtain corresponding provider information, wherein the provider information at least comprises provider mark information and provider grade information; acquiring all corresponding accounts receivable times according to the supplier mark information, and determining all the accounts receivable times with the time interval of the current time within a preset time range; calculating all accounts receivable accounts of the supplier in the preset time range according to the determined all accounts receivable time; determining corresponding preset reference discount rates and early payment proportions according to the provider grade information, wherein corresponding reference discount rates and early payment proportions are preset for different provider grades; and sending all calculated accounts receivable amounts and the determined reference discount rate and early payment proportion to the client side for selection by a user. According to the data processing method based on account payment, the reference discount rate and the advanced payment proportion are determined according to the account payment request and the provider level, and automatic management of the account amount, the time limit and the final receivables which can be extracted by the provider can be conveniently and accurately achieved.
The embodiment of the invention also provides a data processing device based on account payment, which can be configured in the server to be detected, and is used for executing any embodiment of the data processing method based on account payment. In particular, referring to fig. 3, fig. 3 is a schematic block diagram of a data processing apparatus based on account payment according to an embodiment of the present invention.
As shown in fig. 3, the data processing apparatus 100 based on account payment includes a request parsing unit 110, a time acquisition unit 120, a credit calculation unit 130, an information confirmation unit 140, and an information processing unit 150.
The request parsing unit 110 is configured to parse the account payment request to obtain corresponding vendor information if the account payment request initiated by the client is received, where the vendor information at least includes vendor identification information and vendor class information.
In this embodiment, if the management server receives the account payment request initiated by the client segment, the account payment request may be correspondingly parsed, so as to obtain corresponding provider information. Typically, the vendor information includes at least vendor identification information that can be used to determine the identity of the vendor, for example, information that can uniquely identify the vendor, such as a user name of the vendor.
The time obtaining unit 120 is configured to obtain all corresponding accounts receivable times according to the provider flag information, and determine all accounts receivable times with a time interval within a preset time range from the current time.
In this embodiment, there may typically be multiple accounts receivable for one vendor, with one accounts receivable time for each accounts receivable. The management server may preset a time range, that is, a preset time range, take the current time as a starting time point, and determine an ending time point according to the preset time range, where all accounts receivable times between the starting time point and the ending time point may be determined, where each accounts receivable time corresponds to an accounts receivable of a provider.
The credit calculating unit 130 is configured to calculate all accounts receivable credits of the provider within the preset time range according to the determined all accounts receivable times.
In this embodiment, the management server may determine all corresponding accounts receivable according to all determined accounts receivable times, calculate all accounts receivable amounts of the provider within the preset time range, and determine the accounts receivable amounts of the provider within the preset time range.
And the information confirmation unit 140 is configured to determine a corresponding preset reference discount rate and an advance payment proportion according to the provider level information, where different provider levels are preset with the corresponding reference discount rate and the advance payment proportion.
In this embodiment, the management server may further determine a preset reference discount rate and an advance payment ratio according to the determined provider level information. I.e. different provider level information may be pre-associated with different reference discount rates and advance payment ratios.
The information processing unit 150 is configured to send all the calculated accounts receivable amounts and the determined reference discount rate and early payment proportion to the client for selection by the user.
In this embodiment, the management server may send the calculated accounts receivable amount, the determined reference discount rate and the early payment proportion to the client, and the user may select the relevant data correspondingly through the client. Typically, the management server may determine the final extracted amount of the provider, i.e. the final amount of the accounts paid by the corporation, according to the user's choice.
In a specific embodiment, the account payment based data processing apparatus further comprises the following units: and the accounts updating unit is used for updating a value obtained by adding the accounts receivable balance and all the calculated accounts receivable accounts into a new accounts receivable accounts if the accounts receivable balance corresponding to the provider is detected.
In this embodiment, if the management server calculates the accounts receivable amount, it may also detect whether the provider has accounts receivable balances, if so, add the accounts receivable balances to all accounts receivable amounts calculated, and update the added value to a new accounts receivable amount, thereby obtaining a final extractable amount of the provider, so that the enterprise manages the provider more effectively and conveniently.
In a specific embodiment, the account payment based data processing apparatus further comprises the following units:
and the account calculation unit is used for calculating the target payment amount and the target discount profit amount according to the selected total amount, the estimated payment date, the corresponding reference discount rate and the corresponding discount rate if the total amount, the estimated payment date and the payment mode which are sent by the client and selected by the provider are received, wherein the selected total amount of the early payment is not more than the product of all calculated accounts receivable amounts and the calculated early payment rate, and the total amount of the early payment is equal to the sum of the target payment amount and the target discount profit amount. And the account confirming unit is used for confirming that the corresponding target payment amount is the current actual withdrawal amount of the provider if an account payment confirming instruction sent by the client is received.
In this embodiment, the provider may determine the required total amount of advance payment, the expected payment date and the payment manner according to the related information returned by the management server and prompted by the client, and the management server may calculate the target payment amount and the target discount profit amount according to the total amount of advance payment, the expected payment date and the reference discount rate and the advance payment proportion corresponding to the level of the provider. The target payment amount is an account corresponding to the request of the supplier and to be paid by the enterprise, and the account needs to be deducted from the target discount profit amount related to the reference discount rate.
Wherein the provider selected advance payment sum is no greater than the product of all receivables calculated and the advance payment ratio, the advance payment sum being equal to the sum of the target payment sum and the target discount profit. If an account payment confirmation instruction initiated by the provider and sent by the client is received, the management server can confirm that the corresponding target payment amount is the current actual withdrawal amount of the provider, complete the processing of the related bill payment request and enter a subsequent payment flow.
In a specific embodiment, the account calculation unit comprises the following sub-units:
the time processing unit is used for calculating a target time period according to the current time and the expected payment date; a first credit processing unit for determining the calculated target time period and the product of the reference discount rate and the total amount paid in advance as a target discount credit; and the second amount processing unit is used for determining the difference value between the total amount of the advance payment and the target discount income amount as the target payment amount.
In this embodiment, the provider may send the predicted payment date to the management server through the client according to its own demand, calculate a target time period by calculating the current time and the predicted payment date, and determine the target discount amount by multiplying the target time period, the reference discount rate, and the advance payment total, while determining the difference between the advance payment total and the target discount amount as the target payment amount.
In a specific embodiment, the payment method is a draft payment method, and the different provider grade information corresponds to a preset draft discount rate and draft payment period. The account calculation unit of the account payment-based data processing device is further configured to calculate, if an advance payment sum, an expected payment date and a draft payment manner selected by a provider and sent by a client are received, a target payment sum and a target discount rate according to the selected advance payment sum, the expected payment date and a corresponding reference discount rate, draft payment deadline and advance payment proportion, where the selected advance payment sum is not greater than a product of all calculated accounts receivable sums and advance payment proportions, and the advance payment sum is equal to a sum of the target payment sum and the target discount rate. And the account confirming unit of the account payment-based data processing device is further used for confirming that the corresponding target payment amount is the current actual withdrawal amount of the provider if an account payment confirming instruction sent by the client is received.
In this embodiment, the payment mode selected by the provider may be a draft payment mode, but other payment modes are also possible, and the present invention is not limited thereto. At this time, different provider grade information is correspondingly set by a preset draft cash register and draft payment limit, and a corresponding time full cash register mode is set by the draft application mode.
Therefore, after the management server receives the advanced payment sum, the predicted payment date and the bill payment mode selected by the provider and sent by the client, the target payment sum and the target discount profit amount can be calculated according to the selected advanced payment sum, the predicted payment date and the corresponding reference discount rate, the bill payment term and the advanced payment proportion. The target payment amount is an account corresponding to the request of the supplier and to be paid by the enterprise, and the account needs to be deducted from the target discount profit amount related to the reference discount rate.
Wherein the provider selected advance payment sum is no greater than the product of all receivables calculated and the advance payment ratio, the advance payment sum being equal to the sum of the target payment sum and the target discount profit. If an account payment confirmation instruction initiated by the provider and sent by the client is received, the management server can confirm that the corresponding target payment amount is the current actual withdrawal amount of the provider, complete the processing of the related bill payment request and enter a subsequent payment flow.
In a specific embodiment, the time processing unit in the account calculation unit is further configured to calculate a target time period according to the current time and the expected payment date. The first credit processing unit in the account calculation unit is further used for determining the calculated target time period and the product of the reference discount rate and the total amount paid in advance as a first target discount profit amount; determining a product of the draft discount rate, the draft payment deadline and the advanced payment total as a second target discount amount; the sum of the first target discount amount and the second target discount amount is determined as the target discount amount. The second credit processing unit in the account calculation unit is further used for determining the difference value between the total sum of the advance payment and the target discount income amount as the target payment amount.
In this embodiment, the provider may transmit the predicted payment date to the management server through the client according to its own demand, may calculate a target time period by calculating the current time and the predicted payment date, determine a first target discount-rate by multiplying the target time period by a reference discount rate and an advance payment total, and confirm the sum of the first target discount-rate and the second target discount-rate as a target discount-rate by determining the product of the draft discount rate, the draft payment period and the advance payment total as a second target discount-rate. And the management server can also determine the difference between the sum of the advance payments and the target discount profit amount as the target payment amount.
In a specific embodiment, the apparatus further comprises the following units: the time calculation unit is used for calculating the time length from the current time to the receiving time of the last account payment confirmation instruction if the account payment change instruction initiated by the client is detected; and the data changing unit is used for analyzing the account payment changing instruction and executing if the calculated time length is within the preset valid application date range so as to realize the change of the total amount of payment in advance, the expected payment date and the payment mode.
In this embodiment, the management server may preset an effective application date range, when an account payment modification instruction initiated by the client is detected, the time length between the current time and the time of receiving the last account payment confirmation instruction may be determined, and if the time length is within the effective application date range, the provider may be allowed to make a corresponding modification operation. For example, the total amount paid in advance, the expected payment date and the payment mode can be adjusted and changed, so that the management server can manage the account payment of the provider more efficiently and conveniently.
The data processing device based on account payment provided by the embodiment of the invention applies the data processing method based on account payment, and if an account payment request initiated by a client is received, the account payment request is analyzed to obtain corresponding provider information, wherein the provider information at least comprises provider mark information and provider grade information; acquiring all corresponding accounts receivable times according to the supplier mark information, and determining all the accounts receivable times with the time interval of the current time within a preset time range; calculating all accounts receivable accounts of the supplier in the preset time range according to the determined all accounts receivable time; determining corresponding preset reference discount rates and early payment proportions according to the provider grade information, wherein corresponding reference discount rates and early payment proportions are preset for different provider grades; and sending all calculated accounts receivable amounts and the determined reference discount rate and early payment proportion to the client side for selection by a user. According to the data processing method based on account payment, the reference discount rate and the advanced payment proportion are determined according to the account payment request and the provider level, and automatic management of the account amount, the time limit and the final receivables which can be extracted by the provider can be conveniently and accurately achieved.
The above-described account payment based data processing apparatus may be implemented in the form of a computer program which may be run on a computer device as shown in fig. 4.
Referring to fig. 4, fig. 4 is a schematic block diagram of a computer device according to an embodiment of the present invention. The computer device may be a management server for performing an account payment based data processing method for intelligent data processing of account payment requests.
Referring to fig. 4, the computer device 500 includes a processor 502, a memory, and a network interface 505, which are connected by a communication bus 501, wherein the memory may include a storage medium 503 and an internal memory 504.
The storage medium 503 may store an operating system 5031 and a computer program 5032. The computer program 5032, when executed, may cause the processor 502 to perform an account payment based data processing method, wherein the storage medium 503 may be a volatile storage medium or a non-volatile storage medium.
The processor 502 is used to provide computing and control capabilities to support the operation of the overall computer device 500.
The internal memory 504 provides an environment for the execution of a computer program 5032 in the storage medium 503, which computer program 5032, when executed by the processor 502, causes the processor 502 to perform a data processing method based on account payment.
The network interface 505 is used for network communication, such as providing for transmission of data information, etc. It will be appreciated by those skilled in the art that the architecture shown in fig. 4 is merely a block diagram of some of the architecture relevant to the present inventive arrangements and is not limiting of the computer device 500 to which the present inventive arrangements may be implemented, and that a particular computer device 500 may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
The processor 502 is configured to execute a computer program 5032 stored in a memory to implement the corresponding functions in the data processing method based on account payment.
Those skilled in the art will appreciate that the embodiment of the computer device shown in fig. 4 is not limiting of the specific construction of the computer device, and in other embodiments, the computer device may include more or less components than those shown, or certain components may be combined, or a different arrangement of components. For example, in some embodiments, the computer device may include only a memory and a processor, and in such embodiments, the structure and function of the memory and the processor are consistent with the embodiment shown in fig. 4, and will not be described again.
It should be appreciated that in an embodiment of the invention, the processor 502 may be a central processing unit (Central Processing Unit, CPU), the processor 502 may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSPs), application specific integrated circuits (Application Specific Integrated Circuit, ASICs), off-the-shelf programmable gate arrays (Field-Programmable Gate Array, FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. Wherein the general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
In another embodiment of the invention, a computer-readable storage medium is provided. The computer readable storage medium may be a volatile or nonvolatile computer readable storage medium. The computer readable storage medium stores a computer program which when executed by a processor implements the steps involved in the data processing method based on account payment described above.
It will be clearly understood by those skilled in the art that, for convenience and brevity of description, specific working procedures of the apparatus, device and unit described above may refer to corresponding procedures in the foregoing method embodiments, which are not repeated herein. Those of ordinary skill in the art will appreciate that the elements and algorithm steps described in connection with the embodiments disclosed herein may be embodied in electronic hardware, in computer software, or in a combination of the two, and that the elements and steps of the examples have been generally described in terms of function in the foregoing description to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the several embodiments provided by the present invention, it should be understood that the disclosed apparatus, device and method may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, and for example, the division of the units is merely a logical function division, there may be another division manner in actual implementation, or units having the same function may be integrated into one unit, for example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. In addition, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices, or elements, or may be an electrical, mechanical, or other form of connection.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiment of the present invention.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention is essentially or part of what contributes to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a computer-readable storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned computer-readable storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a magnetic disk, an optical disk, or other various media capable of storing program codes.
While the invention has been described with reference to certain preferred embodiments, it will be understood by those skilled in the art that various changes and substitutions of equivalents may be made and equivalents will be apparent to those skilled in the art without departing from the scope of the invention. Therefore, the protection scope of the invention is subject to the protection scope of the claims.

Claims (5)

1. A data processing method based on account payment, the method being applied to a management server, the method comprising:
if an account payment request initiated by a client is received, analyzing the account payment request to obtain corresponding provider information, wherein the provider information at least comprises provider mark information and provider grade information;
acquiring all corresponding accounts receivable times according to the supplier mark information, and determining all the accounts receivable times with the time interval of the current time within a preset time range;
calculating all accounts receivable accounts of the supplier in the preset time range according to the determined all accounts receivable time; the provider has one or more accounts receivable accounts, each accounts receivable corresponding to one time of the accounts receivable;
Determining corresponding preset reference discount rates and early payment proportions according to the provider grade information, wherein corresponding reference discount rates and early payment proportions are preset for different provider grades;
transmitting all calculated accounts receivable amounts and the determined reference discount rate and early payment proportion to the client for selection by a user;
the payment mode is a draft payment mode, different provider grade information corresponds to preset draft cash register and draft payment limit, and after all calculated accounts receivable amount, the determined reference discount rate and the determined advance payment proportion are sent to the client for selection by a user, the method comprises the following steps:
if the advanced payment sum, the expected payment date and the draft payment mode selected by the provider and sent by the client are received, calculating to obtain a target payment sum and a target discount profit according to the selected advanced payment sum, the expected payment date and the corresponding reference discount rate, draft payment deadline and the advanced payment proportion, wherein the selected advanced payment sum is not more than the product of all calculated accounts receivable amounts and the calculated advanced payment proportion, and the advanced payment sum is equal to the sum of the target payment sum and the target discount profit;
If an account payment confirmation instruction sent by the client is received, confirming that the corresponding target payment amount is the current actual extraction amount of the provider;
the calculating to obtain the target payment amount and the target discount profit amount according to the selected total amount of advance payment, the expected payment date and the corresponding reference discount rate, draft payment limit and advance payment proportion comprises the following steps:
calculating a target time period according to the current time and the expected payment date;
determining the calculated target time period as a first target discount amount by referring to the product of the discount rate and the sum of advance payments;
determining a product of the draft discount rate, the draft payment deadline and the advanced payment total as a second target discount amount;
determining a sum of the first target discount amount and the second target discount amount as a target discount amount;
determining a difference between the sum of the advance payments and the target discount profit amount as a target payment amount;
the method further comprises the steps of:
if an account payment change instruction initiated by the client is detected, calculating the time length from the current time to the receiving time of the last account payment confirmation instruction;
if the calculated time length is within the preset valid application date range, analyzing the account payment change instruction and executing the account payment change instruction so as to realize the change of the advanced payment sum, the predicted payment date and the payment mode.
2. The account payment based data processing method of claim 1, wherein before sending all accounts receivable amounts calculated and the determined reference discount rate and advance payment ratio to the client for selection by the user, further comprising:
and if the accounts receivable balance corresponding to the provider is detected, updating a value obtained by adding the accounts receivable balance and all the calculated accounts receivable amounts to be a new accounts receivable amount.
3. A data processing apparatus for account-based payment, the apparatus being arranged in a management server, the apparatus comprising:
the request analysis unit is used for analyzing the account payment request to obtain corresponding supplier information if the account payment request initiated by the client is received, wherein the supplier information at least comprises supplier mark information and supplier grade information;
the time acquisition unit is used for acquiring all corresponding accounts receivable times according to the supplier mark information and determining all the accounts receivable times of the time interval with the current time within a preset time range;
the credit calculating unit is used for calculating all accounts receivable credits of the supplier in the preset time range according to all the determined accounts receivable times; the provider has one or more accounts receivable accounts, each accounts receivable corresponding to one time of the accounts receivable;
The information confirmation unit is used for determining corresponding preset reference discount rate and advance payment proportion according to the provider grade information, wherein the corresponding reference discount rate and advance payment proportion are preset for different provider grades;
the information processing unit is used for sending all calculated accounts receivable amount, the determined reference discount rate and the determined advance payment proportion to the client side for selection by a user;
the payment mode is a draft payment mode, different provider grade information corresponds to preset draft cash registering rate and draft payment limit, and the data processing device based on account payment further comprises the following units:
the account calculation unit is used for calculating a target payment amount and a target discount profit amount according to the selected total amount of the advance payment, the estimated payment date, the corresponding reference discount rate and the corresponding advance payment proportion if the total amount of the advance payment, the estimated payment date and the payment mode which are sent by the client and selected by the provider are received, wherein the selected total amount of the advance payment is not more than the product of all calculated accounts receivable amounts and the calculated advance payment proportion, and the total amount of the advance payment is equal to the sum of the target payment amount and the target discount profit amount;
The account confirming unit is used for confirming that the corresponding target payment amount is the current actual extraction amount of the provider if an account payment confirming instruction sent by the client is received;
the time processing unit in the account calculation unit is also used for calculating a target time period according to the current time and the expected payment date; the first credit processing unit in the account calculation unit is further used for determining the calculated target time period and the product of the reference discount rate and the total amount paid in advance as a first target discount profit amount; determining a product of the draft discount rate, the draft payment deadline and the advanced payment total as a second target discount amount; determining a sum of the first target discount amount and the second target discount amount as a target discount amount; the second credit processing unit in the account calculation unit is further used for determining the difference value between the total sum of the advance payment and the target discount income amount as a target payment amount;
the device further comprises the following units: the time calculation unit is used for calculating the time length from the current time to the receiving time of the last account payment confirmation instruction if the account payment change instruction initiated by the client is detected; and the data changing unit is used for analyzing the account payment changing instruction and executing if the calculated time length is within the preset valid application date range so as to realize the change of the total amount of payment in advance, the expected payment date and the payment mode.
4. A computer device comprising a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus;
a memory for storing a computer program;
a processor for implementing the steps of the account payment based data processing method as claimed in any one of claims 1-2 when executing a program stored on a memory.
5. A computer-readable storage medium, on which a computer program is stored, which computer program, when being executed by a processor, implements the steps of the account payment based data processing method as claimed in any one of claims 1-2.
CN202311340998.5A 2023-10-17 2023-10-17 Account payment-based data processing method, device, equipment and medium Active CN117114669B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202311340998.5A CN117114669B (en) 2023-10-17 2023-10-17 Account payment-based data processing method, device, equipment and medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202311340998.5A CN117114669B (en) 2023-10-17 2023-10-17 Account payment-based data processing method, device, equipment and medium

Publications (2)

Publication Number Publication Date
CN117114669A CN117114669A (en) 2023-11-24
CN117114669B true CN117114669B (en) 2024-03-15

Family

ID=88800367

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202311340998.5A Active CN117114669B (en) 2023-10-17 2023-10-17 Account payment-based data processing method, device, equipment and medium

Country Status (1)

Country Link
CN (1) CN117114669B (en)

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108038685A (en) * 2018-01-17 2018-05-15 北京红移科技有限公司 Definite method, apparatus, storage medium and the processor of payment amount

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030220863A1 (en) * 2002-05-24 2003-11-27 Don Holm System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
US8521646B2 (en) * 2011-05-13 2013-08-27 Bottomline Technologies (De), Inc System and method for assigning an initial transaction fee tier to a vendor in a payment system with a variable transaction fee
US20180357619A1 (en) * 2014-12-22 2018-12-13 Wells Fargo Bank, N.A. Supplier Finance and Invoice Presentation and Payment
US20180322521A1 (en) * 2017-05-08 2018-11-08 Zycus Infotech Pvt.Ltd. Auto extension of discount offer for electronic transaction

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108038685A (en) * 2018-01-17 2018-05-15 北京红移科技有限公司 Definite method, apparatus, storage medium and the processor of payment amount

Also Published As

Publication number Publication date
CN117114669A (en) 2023-11-24

Similar Documents

Publication Publication Date Title
US10269065B1 (en) Bill payment and reporting
JP5044927B2 (en) Facilitating small payments between multiple parties
EP3644264A1 (en) Diagnostic device rental method, server, and storage medium
US20220335419A1 (en) System and method for autonomous sustenance of digital assets
US20110239044A1 (en) Management and tracking of complex entitlement benefits
US20030040990A1 (en) Method for disbursing account payable
CN110298644B (en) Account additional money method, account additional money device, server and readable storage medium
CN107798602B (en) Management method and system for interest loan of public accumulation fund
CN117114669B (en) Account payment-based data processing method, device, equipment and medium
CN111400283B (en) Data processing method, system, electronic equipment and storage medium
CN110889687A (en) Method and device for processing account balance under distributed architecture
CN111861436A (en) Data processing method, device, system, medium executed by server
JP2018163512A (en) Information processing apparatus and program
CN112907344A (en) Accounting data processing method and device, electronic equipment and storage medium
KR20200144795A (en) Method for smart payment on mobile terminal
US10032217B2 (en) Reconciliation for enabling accelerated access to contribution funded accounts
JP6423031B2 (en) Information processing apparatus and program
CN111915417A (en) Tax payment amount determining method and device and electronic equipment
WO2019196252A1 (en) Method, apparatus, and terminal device for processing prepaid virtual resources, and medium
CN111768293B (en) Transaction information processing method, device, equipment and storage medium
JP6704973B2 (en) Information processing device and program
US11526950B1 (en) Disestablishing entity's selected resource computation in response to loss of nexus establishment condition for selected domain
CN114782155A (en) Service processing method, device, equipment and medium
CN117114786A (en) Core enterprise management method, system, computer equipment and storage medium
CN115345750A (en) Data processing method, device, equipment and medium

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant