WO2020006837A1 - 商务卡关联监督方法、系统、终端及可读存储介质 - Google Patents
商务卡关联监督方法、系统、终端及可读存储介质 Download PDFInfo
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- WO2020006837A1 WO2020006837A1 PCT/CN2018/102056 CN2018102056W WO2020006837A1 WO 2020006837 A1 WO2020006837 A1 WO 2020006837A1 CN 2018102056 W CN2018102056 W CN 2018102056W WO 2020006837 A1 WO2020006837 A1 WO 2020006837A1
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- business card
- reimbursement
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Definitions
- the invention relates to the technical field of commerce card association supervision, in particular to a commerce card association supervision method, a commerce card association supervision system, a reimbursement terminal and a computer-readable storage medium.
- the main purpose of the present invention is to provide a business card association monitoring method, a business card association monitoring system, a reimbursement terminal, and a computer-readable storage medium. Inefficient technical issues.
- an embodiment of the present invention provides a business card association monitoring method.
- the business card association monitoring method includes:
- the merchant invoice information When it is detected that the merchant invoice information completely matches the reimbursement expense information, it confirms that the business card reimbursement review has passed, and outputs to the client a second prompt message that the business reimbursement review has passed.
- the present invention also provides a business card association monitoring system, which includes:
- a first obtaining module configured to obtain reimbursement expense information in the expense reimbursement matter and a currently logged-in employee account corresponding to the client when an expense reimbursement issue based on a preset business card submitted by the client is detected;
- a second acquisition module configured to determine, from a preset bank, a business card account number of a preset business card bound to the employee account, and obtain all bank flow information corresponding to the business card account;
- a first output module configured to output, to the client, first prompt information that the bank reimbursement review has passed when it is detected that target stream information that completely matches the reimbursement expense information exists in all the bank process information;
- An extraction module configured to extract the merchant invoice information in the merchant invoice image when the merchant invoice image that the client feedbacks based on the first prompt information is detected;
- a second output module is configured to, when detecting that the merchant invoice information and the reimbursement expense information completely match, confirm that the business card reimbursement review has passed, and output to the client a second prompt message that the business reimbursement review has passed.
- the present invention also provides a reimbursement terminal, which includes: a memory, a processor, a communication bus, and a business card association supervision program stored on the memory, wherein the business card association supervision When the program is executed by the processor, the steps of the business card association monitoring method as described above are implemented.
- the present invention also provides a computer-readable storage medium storing a business card-associated supervisory program, wherein when the business card-associated supervisory program is executed by a processor, the implementation is as follows: The steps of the above-mentioned business card association monitoring method.
- the invention records the employee's consumption behavior in the form of business card account credit card consumption in the bank flow, so that every public expenditure of the employee has a basis, and solves the cumbersome reimbursement process caused by the inability to monitor financial expenditure and standardize the employee reimbursement process.
- the technical problems of redundancy and low approval efficiency have strengthened the financial supervision of business cards, standardized the employee reimbursement process, simplified the reimbursement process, and improved the approval efficiency.
- FIG. 1 is a schematic flowchart of a first embodiment of a business card association monitoring method according to the present invention
- FIG. 2 is a schematic flowchart of a second embodiment of a business card association monitoring method according to the present invention.
- FIG. 3 is a functional module diagram of a business card association monitoring system according to the present invention.
- FIG. 4 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present invention.
- the present invention provides a business card association monitoring method.
- the business card association monitoring method includes:
- step S10 when an expense reimbursement issue based on a preset business card submitted by the client is detected, obtaining reimbursement expense information in the expense reimbursement issue and the currently logged-in employee account corresponding to the client;
- a preset business card when an enterprise dispatches employees, a preset business card will be distributed as the employee's voucher for business travel.
- Employees use a preset business card to make various travel purchases, such as hotel reservations, air ticket reservations, restaurant reservations, and more.
- Employees need to use the business card specified by the company's entrusted unit for public expenses, such as corporate office supplies procurement, partner entertainment, and so on.
- the employee can obtain the invoice provided by the merchant, and check the reimbursement category and related reimbursement information in the client provided by the enterprise entrusted unit, which has logged in to the employee account.
- the consumption record based on the preset business card will be recorded by the banking institution associated with the preset business card.
- Expense reimbursement matters include reimbursement expense information and employee account information of the current client login.
- Employees can report reimbursement expense information such as reimbursement category, reimbursement amount, consumption time, consumption location, etc., and the client will combine reimbursement expense information with employee account information to generate expense reimbursement matters and submit to the system.
- An employee account is authentication information that distinguishes the identity of an employee and verifies consumption records.
- Step S20 Determine, from a preset bank, a business card account number of a preset business card bound to the employee account, and obtain all bank flow information corresponding to the business card account;
- the system directly connects the bank to the enterprise with the preset bank, so the business card account number of the preset business card bound to the employee account can be obtained from the preset bank.
- the preset business card is a physical card, and a virtual card of the preset business card is stored in the bank and exists in the form of a business card account number.
- the company applies for a preset business card in a preset bank in advance. The card comes with a business card account number. The company will bind the business card account number and the employee account number to each other, so that when traveling employees use the preset business card to make purchases, the Consumption records will be tied to the business card account.
- the business card account number bound to the employee account number can be determined from the preset bank according to the employee account number. For example, employee account number 001, and the preset business card account number bound with 001 in the bank is number 001.
- the system will obtain from the preset bank all bank flow information bound to the business card account.
- the bank flow information refers to a chargeback record left by a staff member in a preset bank when spending with a preset business card, including a chargeback time, a charge amount, a charge location, a charge type, and the like.
- Step S30 When it is detected that target flow information that completely matches the reimbursement expense information exists in all the bank flow information, output the first prompt information that the bank reimbursement review has passed to the client;
- the system will compare and match bank flow information and reimbursement expense information.
- the system will find the target flow information that exactly matches the reimbursement expense information from all bank flow information.
- the target flow information and reimbursement expense information match each other.
- the system will compare the categories in the bank flow information and reimbursement expense information. For example, the deduction time in the bank flow information is compared with the consumption time in the reimbursement expense information. If the deduction time and the consumption time are in the same time period, the matching of the deduction time and the consumption time is successful. In this embodiment, all types of information in the bank flow information and reimbursement expense information need to be all matched successfully.
- Bank reimbursement audit refers to an audit verification process in which an enterprise determines whether employees' expense reimbursement is reasonable through a preset bank, and the first prompt message indicates that the audit verification was successful.
- the system extracts the key fields of the invoice in the reimbursement expense information, and extracts the key fields of consumption of the bank flow information.
- the key fields of the invoice are related to the key fields of the consumption through a preset field mapping table, and the key values of the invoice are compared with the corresponding key values of the consumption one by one. Only when it is detected that all of the invoice key values of the target flow information in the bank flow information are consistent with the consumption key values in the reimbursement expense information, it proves that the current consumption records in the bank and the reimbursement data can completely match. In other words, if the consumption record of the bank reimbursement review matches the reimbursement information submitted by the employee, it can be proved that the reimbursement information submitted by the employee is a true expense. At this time, the system will output the first prompt message that the bank reimbursement review has passed to the client described in the employee account.
- Step S40 When a merchant invoice image that is feedbacked by the client based on the first prompt information is detected, extract the merchant invoice information in the merchant invoice image;
- the client of the employee When the client of the employee receives the first prompt information, he can confirm the first prompt information and submit the merchant invoice image to the system.
- the system obtains the merchant invoice image, it will extract the merchant invoice information from the merchant invoice image. For example, when the system detects the merchant invoice image, it will perform OCR image recognition on the merchant invoice image, identify and extract the customer name in the merchant invoice image. , Invoice amount, bank account number, product name and other merchant invoice information.
- step S50 when it is detected that the merchant's invoice information completely matches the reimbursement expense information, it confirms that the business card reimbursement review has passed, and outputs to the client a second prompt message that the business reimbursement review has passed.
- the system will compare and match the merchant's invoice information with the reimbursement expense information.
- the customer name, invoice amount, bank account number, and product name in the merchant's invoice information, and the reimbursement expense information also includes the company name, reimbursement amount, Reimbursed merchandise and more.
- the system will compare the two one by one. When the data content of the two is completely matched, it is proved that the current merchant invoice information and the employee's reimbursement expense information correspond to each other.
- the system will determine that the business card reimbursement is normal business expenditure, that is, the business card reimbursement review and verification are passed.
- the system will output to the client a second reminder message that has passed the business reimbursement review to inform employees of the review results of the business card reimbursement process.
- the invention records the employee's consumption behavior in the form of business card account credit card consumption in the bank flow, so that every public expenditure of the employee has a basis, and solves the cumbersome reimbursement process caused by the inability to monitor financial expenditures and standardize the employee reimbursement process.
- the technical problems of redundancy and low approval efficiency have strengthened the financial supervision of business cards, standardized the employee reimbursement process, simplified the reimbursement process, and improved the approval efficiency.
- the method When detecting the expense reimbursement based on the preset business card submitted by the client, before the step of obtaining the expense reimbursement information in the expense reimbursement and the currently logged-in employee account corresponding to the client, the method further includes:
- Step S60 when a swipe payment request based on the business card account is detected, acquiring merchant information in the swipe payment request;
- the preset business card has a credit card swipe payment function, and employees need to pay by the preset business card. Because employees are reimbursed at public expense, in order to avoid employees' misuse of the preset business card, the system has set up a merchant blacklist in advance, so that the preset business card does not support payment of some merchants. When an employee uses a preset business card to make a credit card payment, the system can detect the credit card payment request of the business card account and obtain the merchant information in the credit card payment request.
- step S70 when the merchant information is detected in the preset merchant blacklist, the credit card payment request of the business card account is rejected, and a first alarm message is sent to the client.
- the system will set up some preset merchant blacklists to reject the credit card payment process for some merchants. For example, the system uses "five-star and above five-star hotels" as a blacklist for merchants to restrict employees from staying outside or receiving customers who are too luxurious. Then when the employee makes a credit card purchase in a five-star hotel, the system will detect the credit card payment request and get the merchant information in it, and when the system receives the merchant information, if it detects that the merchant blacklist includes the five-star hotel Merchant information, then this credit card consumption behavior will be confirmed as non-compliant consumption behavior. The system will reject the card swipe payment request and send a first warning message to the client bound to the business card account. This step monitors the consumption behavior of the business card account to exclude non-compliant merchants based on a preset merchant blacklist.
- a third embodiment of the business card association monitoring method of the present invention is proposed.
- the difference from the foregoing embodiment is that when the detection is based on the business card, When an account credit card payment request is made, after obtaining the merchant information in the credit card payment request, the method further includes:
- Step S80 when it is detected that the merchant information is a non-preset merchant, acquire the consumption amount in the credit card payment request;
- a default merchant blacklist is set in the system.
- Such merchants are non-default merchants.
- the system does not reject credit card transactions, nor does it allow credit card transactions, but in certain emergency situations, employees need to spend at these merchants.
- this embodiment uses an extra budget to solve the problem.
- Non-preset merchants are merchants outside the plan. When the system detects that the merchant information is a non-preset merchant, the system will obtain the consumption amount in the card payment request.
- Step S90 accumulate the consumption amount into the total consumption amount of the business card account based on non-preset merchants
- a counter is stored in the business card account number for accumulating the total consumption amount of the business card account based on non-preset merchants, and the system will accumulate the consumption amount to the total consumption amount.
- the current total consumption amount of the business card account is 900 yuan
- the current consumption amount of the employee who swipes the card in merchant A (non-preset merchant) is 100 yuan, and then the consumption amount is added to the total consumption amount to be 1,000 yuan .
- step S100 when it is detected that the total consumption amount is greater than a preset budget value, a credit card payment request of the business card account is rejected.
- the system sets a preset budget value.
- the preset budget value is a threshold reference value of the total consumption amount. That is, the system sets a consumption threshold for non-preset merchants through the preset budget value for the business card account. Employees can make credit card purchases at any non-preset merchants, and the total consumption amount will increase accordingly.
- the preset budget value is fixed. If the total consumption amount is greater than the preset budget value, it means that the current consumption behavior exceeds the limit of the business card account. At this point, the system will reject the swipe payment request for the business card account.
- This step limits the credit card payment amount of the business card account by comparing the accumulated total consumption amount with the preset budget value, thereby restricting the credit card spending behavior of the business card account at non-preset merchants.
- a fourth embodiment of the business card association monitoring method of the present invention is proposed.
- the difference from the foregoing embodiment is that the business card account has a business level.
- the step of rejecting the credit card payment request of the business card account further includes:
- the business card account is set with different business levels according to the occupation level of the cardholder.
- the business level of the business card account corresponds to the degree of consumption that cardholders can enjoy when making purchases. Assume that the business level is sorted from high to low into one, two, and three. Then the cardholder corresponding to the first-level business card account may be the director, the cardholder corresponding to the second-level business card account is the supervisor, and the cardholder corresponding to the third-level business card account is the salesperson.
- different business levels correspond to employees in different positions, and employees in different positions correspond to certain conveniences for corporate consumption needs. The higher the business level, the higher the preset budget value mapped to it. For example, the hotel where the director lives can be a three-star hotel, and the hotel where the salesman lives is an express hotel.
- the system database stores a preset budget value that is mapped to the business level. Therefore, when the business level of the business card account is obtained, the system will obtain the corresponding business level from the database. Preset budget values for subsequent process steps.
- a fifth embodiment of the business card association monitoring method of the present invention is proposed, which is different from the foregoing embodiment in that the merchant information in the card payment request is obtained.
- the steps before also include:
- Step S110 Obtain the payment amount in the credit card payment request
- the employee may accidentally lose the preset business card, and if the preset business card is lost, it may be easily stolen by others. Therefore, when a swipe payment request based on a business card account is detected, the system will obtain the payment amount in the swipe payment request.
- Step S120 when it is detected that the payment amount is greater than a preset alert value, obtain a transaction position in the payment request;
- a preset guard value will be set, and the preset guard value will be used as a reference threshold for the payment amount.
- the preset alert value it means that the current consumption behavior of the business card account exceeds the set alert line, and there is an excess credit card behavior. For example, if the payment amount is 3000 and the preset alert value is 2000, the system will list the current consumption card swipe behavior as the suspect of fraud. In order to further determine whether the business card account has been stolen, the system will use the transaction location of the current card payment request as a reference.
- step S130 when it is detected that the distance between the transaction location and the preset business destination is greater than a preset threshold, the bank card payment request of the business card account is rejected, and a second alarm message is sent to the client.
- the system sets preset business destinations.
- card swiping by employees will be at certain business locations set by the enterprise. For example, in a customer's business building or other preset venues. If it is detected that the distance between the transaction location of the credit card payment request and the preset business destination is greater than a preset threshold, for example, the transaction location is B shopping mall, and the preset business destination is the C building office, and the C building office and the The distance between B shopping malls reaches 2 kilometers, and the preset threshold is 500 meters. Then the system will determine that the current card payment request is a stolen card, thereby rejecting the payment request, and sending a second warning message to the client. To remind employees.
- a preset threshold for example, the transaction location is B shopping mall, and the preset business destination is the C building office, and the C building office and the The distance between B shopping malls reaches 2 kilometers, and the preset threshold is 500 meters.
- a sixth embodiment of the business card association monitoring method of the present invention is proposed.
- the difference from the foregoing embodiment is that the second The steps of the alert information also include:
- step S140 when receiving a lock instruction fed back by the client based on the second alarm information, freezing all credit card payment requests of the business card account, and sending the third alarm information to the client as soon as possible.
- the client can lock the business card based on the second alarm information on the client.
- the system will directly freeze the business card account, and any payment request via the business card account will be rejected to prevent the business card account from being stolen.
- the business card account number is not with the employee, but the client can still be with the employee.
- the system will send a third warning message to the client to report the loss as soon as possible to remind the employee.
- a seventh embodiment of the business card association monitoring method of the present invention is proposed.
- the difference from the foregoing embodiment is that the business card association monitoring method further includes:
- step a when a third-party payment request of a third-party preset account bound to the employee account is detected, the third-party payment request is allowed, and an acquisition is sent to a current login client corresponding to the employee account.
- This embodiment provides a third-party payment method.
- a third-party preset account number is bound to an employee's personal employee account to implement identity recognition. For example, if the third-party preset account A is bound to the employee account, the employee can send a third-party payment request generated by the third-party preset account based on the consumption expenditure to the system when the consumer uses the third-party preset account A to make consumption expenditures.
- the system detects a third-party payment request, it is allowed to confirm the third-party payment request, and send the first prompt message for saving and obtaining the merchant's invoice to the client account of the employee account to confirm the rationality of the third-party payment request.
- Step b Obtain a merchant invoice image fed back by the currently logged-in client based on the third prompt information, and send a fourth prompt message to the currently logged-in client to properly store the merchant invoice for manual reimbursement.
- the second prompt information may be Let employees pay attention to keeping invoices to reimburse expenses to the Finance Department with real invoices, so as to standardize the business reimbursement approval process, improve approval efficiency, and speed up the reimbursement process.
- the present invention provides a business card association monitoring system, which includes:
- a first obtaining module configured to obtain reimbursement expense information in the expense reimbursement matter and a currently logged-in employee account corresponding to the client when an expense reimbursement issue based on a preset business card submitted by the client is detected;
- a second acquisition module configured to determine, from a preset bank, a business card account number of a preset business card bound to the employee account, and obtain all bank flow information corresponding to the business card account;
- a first output module configured to output, to the client, first prompt information that the bank reimbursement review has passed when it is detected that target stream information that completely matches the reimbursement expense information exists in all the bank process information;
- An extraction module configured to extract the merchant invoice information in the merchant invoice image when the merchant invoice image that the client feedbacks based on the first prompt information is detected;
- a second output module is configured to, when detecting that the merchant invoice information and the reimbursement expense information completely match, confirm that the business card reimbursement review has passed, and output to the client a second prompt message that the business reimbursement review has passed.
- FIG. 4 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present invention.
- the terminal may be a PC, or a smart phone, a tablet computer, an e-book reader, or MP3 (Moving Picture). Experts Group Audio Layer III, standard audio layer 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, compression standard audio layer for motion picture experts 4) Terminal equipment such as players, portable computers.
- MP3 Moving Picture
- Experts Group Audio Layer III standard audio layer 3
- MP4 Moving Picture Experts Group Audio Layer IV, compression standard audio layer for motion picture experts 4
- Terminal equipment such as players, portable computers.
- the reimbursement terminal may include a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002.
- the communication bus 1002 is used to implement connection and communication between the processor 1001 and the memory 1005.
- the memory 1005 may be a high-speed RAM memory or a non-volatile memory. memory), such as disk storage.
- the memory 1005 may optionally be a storage device independent of the foregoing processor 1001.
- the reimbursement terminal may further include a user interface, a network interface, a camera, an RF (Radio Frequency) circuits, sensors, audio circuits, WiFi modules, etc.
- the user interface may include a display, an input unit such as a keyboard, and the optional user interface may also include a standard wired interface and a wireless interface.
- the network interface can optionally include a standard wired interface and a wireless interface (such as a WI-FI interface).
- the structure of the reimbursement terminal shown in FIG. 4 does not constitute a limitation on the reimbursement terminal, and may include more or fewer components than shown, or some components may be combined, or different components may be arranged.
- the memory 1005 as a computer storage medium may include an operating system, a network communication module, and a business card-related supervisory program.
- the operating system is a program that manages and controls the hardware and software resources of the reimbursement terminal, and supports the operation of the supervisory program associated with the business card and other software and / or programs.
- the network communication module is used to implement communication between components in the memory 1005 and to communicate with other hardware and software in the reimbursement terminal.
- the processor 1001 is configured to execute a business card association monitoring program stored in the memory 1005, and implement the following steps:
- the merchant invoice information When it is detected that the merchant invoice information completely matches the reimbursement expense information, it confirms that the business card reimbursement review has passed, and outputs to the client a second prompt message that the business reimbursement review has passed.
- the specific implementation manner of the reimbursement terminal of the present invention is basically the same as the above embodiments of the method for associating and supervising a business card, and is not repeated here.
- the present invention also provides a computer-readable storage medium, where the computer-readable storage medium stores one or more programs, and the one or more programs can also be executed by one or more processors for:
- the merchant invoice information When it is detected that the merchant invoice information completely matches the reimbursement expense information, it confirms that the business card reimbursement review has passed, and outputs to the client a second prompt message that the business reimbursement review has passed.
- the specific implementation of the computer-readable storage medium of the present invention is basically the same as the above embodiments of the method for associating and supervising a business card, and is not repeated here.
- sequence numbers of the foregoing embodiments of the present invention are merely for description, and do not represent the superiority or inferiority of the embodiments.
- the methods in the above embodiments can be implemented by means of software plus a necessary universal hardware platform, and of course, also by hardware, but in many cases the former is better Implementation.
- the technical solution of the present invention in essence or part that contributes to the existing technology can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, The optical disc) includes several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the methods described in the embodiments of the present invention.
- a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.
Abstract
一种商务卡关联监督方法、商务卡关联监督系统、报销终端及计算机可读存储介质，该商务卡关联监督方法包括：若检测到客户端提交的预设商务卡费用报销事宜，获取事宜中的报销费用信息和客户端当前登录的员工账号（S10）；从预设银行中确定与员工账号绑定的商务卡账号，获取与商务卡账号的银行流水信息（S20）；若检测到银行流水信息存在与报销费用信息匹配的目标流水信息，输出银行报销审核通过的提示信息（S30）；若检测到基于所述提示信息反馈的商户发票图像，提取图像中的商户发票信息（S40）；若商户发票信息与报销费用信息完全匹配，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息（S50）。简化了报销流程，提高了审批效率。
Description
本申请要求于2018年07月03日提交中国专利局、申请号为201810722599.8、发明名称为“商务卡关联监督方法、系统、终端及可读存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本发明涉及商务卡关联监督技术领域，尤其涉及一种商务卡关联监督方法、商务卡关联监督系统、报销终端及计算机可读存储介质。
背景技术
目前的商务差旅过程中，企业会给予员工相应的公费预算，员工在出差过程中进行财务支出后需要进行公费报销。
但是在现实生活中，容易产生虚假报销情况或者不规范的报销流程，例如个人垫付费用真实性难以验证、员工利用供应商规避刷卡发票、第三方支付无法取得刷卡发票等等。以上情况使得报销单的真实性无法考证，从而无法监控财务支出以及规范员工的报销流程，造成报销流程繁琐冗余，审批效率低下等问题。
发明内容
本发明的主要目的在于提供一种商务卡关联监督方法、商务卡关联监督系统、报销终端及计算机可读存储介质，旨在解决无法监控财务支出以及规范员工报销流程导致报销流程繁琐冗余，审批效率低下的技术问题。
为实现上述目的，本发明实施例提供一种商务卡关联监督方法，所述商务卡关联监督方法包括：
当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号；
从预设银行中确定与所述员工账号绑定的预设商务卡的商务卡账号，并获取与所述商务卡账号对应的所有银行流水信息；
当检测到所述所有银行流水信息中存在与所述报销费用信息完全匹配的目标流水信息时，向所述客户端输出银行报销审核通过的第一提示信息；
当检测到所述客户端基于所述第一提示信息反馈的商户发票图像时，提取所述商户发票图像中的商户发票信息；
当检测到所述商户发票信息与所述报销费用信息完全匹配时，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息。
本发明还提供一种商务卡关联监督系统，所述商务卡关联监督系统包括：
第一获取模块，用于当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号；
第二获取模块，用于从预设银行中确定与所述员工账号绑定的预设商务卡的商务卡账号，并获取与所述商务卡账号对应的所有银行流水信息；
第一输出模块，用于当检测到所述所有银行流水信息中存在与所述报销费用信息完全匹配的目标流水信息时，向所述客户端输出银行报销审核通过的第一提示信息；
提取模块，用于当检测到所述客户端基于所述第一提示信息反馈的商户发票图像时，提取所述商户发票图像中的商户发票信息；
第二输出模块，用于当检测到所述商户发票信息与所述报销费用信息完全匹配时，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息。
此外，为实现上述目的，本发明还提供一种报销终端，所述报销终端包括：存储器、处理器、通信总线以及存储在所述存储器上的商务卡关联监督程序，其中所述商务卡关联监督程序被所述处理器执行时，实现如上述的商务卡关联监督方法的步骤。
此外，为实现上述目的，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质存储有商务卡关联监督程序，其中所述商务卡关联监督程序被处理器执行时，实现如上述的商务卡关联监督方法的步骤。
本发明中，当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号；从预设银行中确定与所述员工账号绑定的预设商务卡的商务卡账号，并获取与所述商务卡账号对应的所有银行流水信息；当检测到所述所有银行流水信息中存在与所述报销费用信息完全匹配的目标流水信息时，向所述客户端输出银行报销审核通过的第一提示信息；当检测到所述客户端基于所述第一提示信息反馈的商户发票图像时，提取所述商户发票图像中的商户发票信息；当检测到所述商户发票信息与所述报销费用信息完全匹配时，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息。本发明将员工的消费行为以商务卡账号刷卡消费的形式记录在银行流水中，使得员工的每一笔公费支出都有所依据，解决了因无法监控财务支出以及规范员工报销流程导致报销流程繁琐冗余，审批效率低下的技术问题，加强了商务卡的财务监督，规范了员工报销流程，简化了报销流程，提高了审批效率。
附图说明
图1为本发明商务卡关联监督方法第一实施例的流程示意图；
图2为本发明商务卡关联监督方法第二实施例的流程示意图；
图3为本发明商务卡关联监督系统的功能模块示意图；
图4为本发明实施例方法涉及的硬件运行环境的设备结构示意图。
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
本发明提供一种商务卡关联监督方法，在商务卡关联监督方法第一实施例中，参照图1，所述商务卡关联监督方法包括：
步骤S10，当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号；
本实施例中，企业外派员工时会派发一张预设商务卡作为员工在商务差旅中的消费凭据。员工通过预设商务卡进行各种差旅消费，如酒店预定，机票预订，餐饮预订等等。员工需使用企业委托单位规定的商务卡进行公费支出，例如企业办公用品采购、合作伙伴招待等等。在完成公费支出之后，员工可获取到商户提供的发票，并在由企业委托单位提供的客户端中勾选报销类别和相关报销信息，所述客户端登录了员工账号。基于预设商务卡的消费记录将被与该预设商务卡相关联的银行机构所记录。在完成预设商务卡的消费之后，员工可在预设客户端上提交本次消费过程中的所有费用报销事宜。费用报销事宜中包括了报销费用信息和当前客户端登录的员工账号信息。员工可将报销类别，报销金额，消费时间，消费地点等等报销费用信息上报，而客户端将把报销费用信息和员工账号信息结合生成费用报销事宜并提交至系统。
当系统实时检测到基于客户端提交的费用报销事宜时，将从费用报销事宜中获取到报销费用信息和客户端的员工账号。员工账号是区别员工身份和验证消费记录的认证信息。
步骤S20，从预设银行中确定与所述员工账号绑定的预设商务卡的商务卡账号，并获取与所述商务卡账号对应的所有银行流水信息；
系统与预设银行实现银企直联，因此可从预设银行中获取到与员工账号绑定的预设商务卡的商务卡账号。预设商务卡为实体卡，而在银行中保存着该预设商务卡的虚拟卡，并以商务卡账号的形式存在。企业事先在预设银行中办理预设商务卡，该卡自带商务卡账号，企业将把商务卡账号与员工账号相互绑定，从而在出差员工利用预设商务卡进行消费时，所产生的消费记录将绑定到商务卡账号。
系统获取到员工账号之后，可根据员工账号从预设银行中确定与员工账号绑定的商务卡账号。例如员工账号001，而预设银行中与001绑定的商务卡账号为编号001。此时，系统将从预设银行中获取到与商务卡账号绑定的所有银行流水信息。所述银行流水信息指的是员工用预设商务卡消费时在预设银行中留下的扣费记录，包括扣费时间，扣费金额，扣费地点，扣费类别等等。
步骤S30，当检测到所述所有银行流水信息中存在与所述报销费用信息完全匹配的目标流水信息时，向所述客户端输出银行报销审核通过的第一提示信息；
系统将对银行流水信息以及报销费用信息进行比对匹配。系统将从所有银行流水信息中查找到与报销费用信息完全匹配的目标流水信息。所述目标流水信息与报销费用信息相互匹配。
具体地，系统将比对银行流水信息和报销费用信息中的类别。例如，将银行流水信息中的扣费时间与报销费用信息中的消费时间进行比对，若扣费时间与消费时间处于同一时间阶段内，那么扣费时间和消费时间的匹配成功。在本实施例中，银行流水信息和报销费用信息中的各种信息类别都需要全部匹配成功。
只有所有信息能够成功匹配上，才能代表本次交易的信息记录完成可考证。若系统能查找到目标流水信息，则说明员工基于商务卡账号的消费记录和报销信息能够对应上，费用报销事宜是合理的。此时，系统将向客户端输出银行报销审核通过的第一提示信息。银行报销审核是指企业通过预设银行判断员工的费用报销事宜是否合理的审核验证流程，而第一提示信息则表明审核验证成功。
具体地，系统提取出报销费用信息中的发票关键字段，并将提取出银行流水信息的消费关键字段。通过预设的字段映射表格，将发票关键字段与消费关键字段进行关联，并将发票关键值与对应的消费关键值进行一一比对。只有当检测到银行流水信息中存在一个目标流水信息的所有发票关键值都与报销费用信息中的消费关键值一致时，证明当前银行中的消费记录与报销数据能够完全匹配。也就是说，银行报销审核的消费记录与员工提交的报销信息对得上，即可证明员工提交的报销信息属于真实的费用支出。此时，系统将向员工账号所述的客户端输出银行报销审核通过的第一提示信息。
步骤S40，当检测到所述客户端基于所述第一提示信息反馈的商户发票图像时，提取所述商户发票图像中的商户发票信息；
当员工的客户端接收到第一提示信息时，可确认第一提示信息，并将商户发票图像提交至系统。系统获取到商户发票图像时，将从商票发票图像中提取出商户发票信息，例如系统监测到商户发票图像时，对商户发票图像进行OCR图像识别，识别并提取出商户发票图像中的客户名称、发票金额、银行开户账号、商品名称等商户发票信息。
步骤S50，当检测到所述商户发票信息与所述报销费用信息完全匹配时，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息。
此时，系统将把商户发票信息和报销费用信息进行对比匹配，商户发票信息中的客户名称、发票金额、银行开户账号、商品名称等信息，而报销费用信息中也包括企业名称、报销金额、报销商品等等信息。系统将对二者进行一一对比。当检测到二者的数据内容完全匹配时，证明当前商户发票信息与员工提交的报销费用信息相互对应。此时，系统将确定本次商务卡报销为正常商务支出，也就是说本次商务卡报销审核验证通过。系统将向客户端输出商务报销审核通过的第二提示信息，以告知员工本次商务卡报销流程的审核结果。
本发明中，当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号；从预设银行中确定与所述员工账号绑定的预设商务卡的商务卡账号，并获取与所述商务卡账号对应的所有银行流水信息；当检测到所述所有银行流水信息中存在与所述报销费用信息完全匹配的目标流水信息时，向所述客户端输出银行报销审核通过的第一提示信息；当检测到所述客户端基于所述第一提示信息反馈的商户发票图像时，提取所述商户发票图像中的商户发票信息；当检测到所述商户发票信息与所述报销费用信息完全匹配时，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息。本发明将员工的消费行为以商务卡账号刷卡消费的形式记录在银行流水中，使得员工的每一笔公费支出都有所依据，解决了因无法监控财务支出以及规范员工报销流程导致报销流程繁琐冗余，审批效率低下的技术问题，加强了商务卡的财务监督，规范了员工报销流程，简化了报销流程，提高了审批效率。
进一步地，在本发明商务卡关联监督方法第一实施例的基础上，提出本发明商务卡关联监督方法第二实施例，参照图2，与前述实施例的区别在于，
所述当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号的步骤之前还包括：
步骤S60，当检测到基于所述商务卡账号的刷卡支付请求时，获取所述刷卡支付请求中的商户信息；
预设商务卡具备信用卡刷卡支付功能，员工需通过预设商务卡进行费用支付。由于员工是公费报销，为避免员工对预设商务卡的滥用，系统事先设置了商户黑名单，使得预设商务卡不支持部分商家的费用支付。当员工使用预设商务卡进行刷卡支付时，系统可检测到商务卡账号的刷卡支付请求，并获取到刷卡支付请求中的商户信息。
步骤S70，当检测到预设商户黑名单中存在所述商户信息时，拒绝所述商务卡账号的刷卡支付请求，并向所述客户端发出第一告警信息。
系统会设置一些预设商户黑名单，用于拒绝对部分商户的刷卡支付流程。例如系统将“五星级及五星级以上酒店”作为商户黑名单，以限制员工在外住宿或者在外接待客户过于豪华。那么在员工在五星级酒店中进行刷卡消费时，系统会检测到刷卡支付请求，并得到其中的商户信息，而系统接收到商户信息时，若检测到商户黑名单包括了五星级酒店的商户信息，那么本次的刷卡消费行为将被确认为不合规的消费行为。系统将拒绝本次刷卡支付请求，并向该商务卡账号绑定的客户端发出第一告警信息。该步骤对商务卡账号的消费行为进行监控，以根据预设商户黑名单排除不合规的商户。
进一步地，在本发明商务卡关联监督方法第二实施例的基础上，提出本发明商务卡关联监督方法第三实施例，与前述实施例的区别在于，所述当检测到基于所述商务卡账号的刷卡支付请求时，获取所述刷卡支付请求中的商户信息的步骤之后还包括：
步骤S80，当检测到所述商户信息为非预设商户时，获取所述刷卡支付请求中的消费金额；
系统中设定了预设商户黑名单，而现实场景可能存在某些商户并不在商户黑名单中，同时也不在商户白名单中，这类商户为非预设商户。系统并没有拒绝刷卡交易，也没有允许刷卡交易，但在某些紧急情况下，员工需在这些商户进行消费。针对这一问题，本实施例采用额外预算的方式进行解决。非预设商户是计划之外的商户，系统检测到商户信息为非预设商户时，将获取刷卡支付请求中的消费金额。
步骤S90，将所述消费金额累计到所述商务卡账号基于非预设商户的总消费金额中；
商务卡账号中存储着一个计数器，用于累计该商务卡账号基于非预设商户的总消费金额，而系统将把消费金额累计到总消费金额上去。例如，商务卡账号当前的总消费金额是900元，当前员工在A商户（非预设商户）中刷卡消费的消费金额是100元，那么再将消费金额累计到总消费金额中即为1000元。
步骤S100，当检测到所述总消费金额大于预设预算值时，拒绝所述商务卡账号的刷卡支付请求。
本实施例中，系统设置了一个预设预算值。所述预设预算值为总消费金额的门限参考值。也就是说，系统通过预设预算值为商务卡账号设定了一个非预设商户的消费门限。员工可在任意非预设商户中进行刷卡消费，总消费金额也会随之增加。而预设预算值是固定的，若总消费金额大于预设预算值时，则说明当前的消费行为超过了商务卡账号的限额。此时，系统将拒绝商务卡账号的刷卡支付请求。
该步骤通过将累计的总消费金额与预设预算值进行比较，限定商务卡账号的刷卡支付额度，从而限制商务卡账号在非预设商户的刷卡消费行为。
进一步地，在本发明商务卡关联监督方法第三实施例的基础上，提出本发明商务卡关联监督方法第四实施例，与前述实施例的区别在于，所述商务卡账号设有商务级别，
所述当检测到所述总消费金额大于预设预算值时，拒绝所述商务卡账号的刷卡支付请求的步骤之前还包括:
从系统数据库中获取与所述商务卡账号的商务级别相互映射的预设预算值。
在本实施例中，商务卡账号根据持卡员工的职业级别的不同而设置不同的商务级别。而商务卡账号的商务级别对应着持卡员工在进行消费时所能享受的消费程度。假设商务级别从高往低排序分为一级，二级和三级。那么一级商务卡账号对应的持卡员工可能为总监，二级商务卡账号对应的持卡员工为主管，三级商务卡账号对应的持卡员工为业务员。很明显不同商务级别对应的是不同职位的员工，而不同职位的员工对应的对公消费需要体现一定的便利性。商务级别越高，则与之映射的预设预算值也会越高。例如总监所居住的酒店可以是三星级酒店，而业务员居住的酒店则为快捷酒店。
因此系统数据库中存储了与商务级别相互映射的预设预算值，因此在得到商务卡账号的商务级别时，系统将从数据库中得到与商务级别相互对应的
预设预算值，以供后续流程步骤调用。
进一步地，在本发明商务卡关联监督方法第四实施例的基础上，提出本发明商务卡关联监督方法第五实施例，与前述实施例的区别在于，所述获取刷卡支付请求中的商户信息的步骤之前还包括：
步骤S110，获取刷卡支付请求中的支付金额；
本实施例中，员工可能不小心丢失预设商务卡，而预设商务卡若丢失，很容易被他人盗刷。因此当检测到基于商务卡账号的刷卡支付请求，系统将获取刷卡支付请求中的支付金额。
步骤S120，当检测到所述支付金额大于预设警戒值时，获取所述支付请求中的交易位置；
本实施例中将设置一个预设警戒值，该预设警戒值将作为支付金额的参考门限值。当支付金额大于预设警戒值时，说明当前商务卡账号的消费行为超过了设置的警戒线，存在超额刷卡的行为。例如支付金额为3000，而预设警戒值为2000，则系统将当前的消费刷卡行为列为盗刷怀疑对象。为进一步确定商务卡账号是否被盗刷，系统将以当前刷卡支付请求的交易位置作为参考。
步骤S130，当检测到所述交易位置与预设的商务目的地之间的距离大于预设阈值时，拒绝所述商务卡账号的刷卡支付请求，并向所述客户端发出第二告警信息。
系统设置了预设的商务目的地，通常员工进行的刷卡消费都会在企业设定的某些商务地点。例如客户商务大楼里或者其他预设与会地点。若检测到刷卡款请求的交易位置与预设的商务目的地之间的距离大于预设阈值，例如交易位置为B购物商城，而预设的商务目的地为C大厦写字楼，且C大厦写字楼与B购物商城之间的距离达到2千米，而预设阈值为500米，那么系统将确定当前的刷卡支付请求为盗刷，从而拒绝该笔支付请求，并向客户端发出第二告警信息，以提示员工。
进一步地，在本发明商务卡关联监督方法第五实施例的基础上，提出本发明商务卡关联监督方法第六实施例，与前述实施例的区别在于，所述向所述客户端发出第二告警信息的步骤之后还包括：
步骤S140，当接收到所述客户端基于第二告警信息反馈的锁定指令时，冻结所述商务卡账号的所有刷卡支付请求，并向所述客户端发送尽快挂失报备的第三告警信息。
若员工确定商务卡账号被盗刷，那么可在客户端上基于第二告警信息进行商务卡锁定。此时，系统将直接对商务卡账号进行冻结，任何经由商务卡账号的刷卡支付请求都将被拒绝，以避免商务卡账号被进一步盗刷。此时，商务卡账号不在员工身边，但客户端仍可在员工身边，系统将向客户端发出尽快挂失报备的第三告警信息，以提示员工。
进一步地，在本发明商务卡关联监督方法第六实施例的基础上，提出本发明商务卡关联监督方法第七实施例，与前述实施例的区别在于，所述商务卡关联监督方法还包括：
步骤a，当检测到与所述员工账号绑定的第三方预设账号的第三方支付请求时，允许所述所述第三方支付请求，并向所述员工账号对应的当前登录客户端发送获取商户发票的第三提示信息；
若预设商务卡丢失或损毁，则员工无法基于商务卡账号进行消费支出。本实施例提供一种第三方支付方式，通过第三方预设账号，绑定员工个人的员工账户实现身份识别。例如将第三方预设账号A与员工账号绑定，那么员工通过第三方预设账号A进行消费支出时，可将第三方预设账号基于消费支出生成的第三方支付请求发送至系统。系统检测到第三方支付请求时，允许确认该第三方支付请求，并向员工账号所述客户端发送保存获取商户发票的第一提示信息，以确认本次第三方支付请求的合理性。
步骤b，获取所述当前登录客户端基于第三提示信息反馈的商户发票图像，并向所述当前登录客户端发送妥善保管商户发票，以便人工报销的第四提示信息。
员工通过第三方支付进行费用个人垫付，但依旧需要上传商户发票图像，供系统备份，系统在获得商户发票图像之后，将提示用户妥善保管商户发票的第二提示信息，所述第二提示信息可让员工注意保存发票，以凭借真实发票向财务部进行费用报销，从而规范商务报销审批流程，提升审批效率，加快报销流程。
参照图3，本发明提供了一种商务卡关联监督系统，所述商务卡关联监督系统包括：
第一获取模块，用于当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号；
第二获取模块，用于从预设银行中确定与所述员工账号绑定的预设商务卡的商务卡账号，并获取与所述商务卡账号对应的所有银行流水信息；
第一输出模块，用于当检测到所述所有银行流水信息中存在与所述报销费用信息完全匹配的目标流水信息时，向所述客户端输出银行报销审核通过的第一提示信息；
提取模块，用于当检测到所述客户端基于所述第一提示信息反馈的商户发票图像时，提取所述商户发票图像中的商户发票信息；
第二输出模块，用于当检测到所述商户发票信息与所述报销费用信息完全匹配时，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息。
参照图4，图4是本发明实施例方法涉及的硬件运行环境的设备结构示意图。
本发明实施例终端可以是PC，也可以是智能手机、平板电脑、电子书阅读器、MP3（Moving Picture
Experts Group Audio Layer III，动态影像专家压缩标准音频层面3）播放器、MP4（Moving Picture Experts
Group Audio Layer IV，动态影像专家压缩标准音频层面4）播放器、便携计算机等终端设备。
如图4所示，该报销终端可以包括：处理器1001，例如CPU，存储器1005，通信总线1002。其中，通信总线1002用于实现处理器1001和存储器1005之间的连接通信。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile
memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
可选地，该报销终端还可以包括用户接口、网络接口、摄像头、RF（Radio
Frequency，射频）电路，传感器、音频电路、WiFi模块等等。用户接口可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口还可以包括标准的有线接口、无线接口。网络接口可选的可以包括标准的有线接口、无线接口（如WI-FI接口）。
本领域技术人员可以理解，图4中示出的报销终端结构并不构成对报销终端的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图4所示，作为一种计算机存储介质的存储器1005中可以包括操作系统、网络通信模块以及商务卡关联监督程序。操作系统是管理和控制报销终端硬件和软件资源的程序，支持商务卡关联监督程序以及其它软件和/或程序的运行。网络通信模块用于实现存储器1005内部各组件之间的通信，以及与报销终端中其它硬件和软件之间通信。
在图4所示的报销终端中，处理器1001用于执行存储器1005中存储的商务卡关联监督程序，实现以下步骤：
当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号；
从预设银行中确定与所述员工账号绑定的预设商务卡的商务卡账号，并获取与所述商务卡账号对应的所有银行流水信息；
当检测到所述所有银行流水信息中存在与所述报销费用信息完全匹配的目标流水信息时，向所述客户端输出银行报销审核通过的第一提示信息；
当检测到所述客户端基于所述第一提示信息反馈的商户发票图像时，提取所述商户发票图像中的商户发票信息；
当检测到所述商户发票信息与所述报销费用信息完全匹配时，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息。
本发明报销终端的具体实施方式与上述商务卡关联监督方法各实施例基本相同，在此不再赘述。
本发明还提供了一种计算机可读存储介质，所述计算机可读存储介质存储有一个或者一个以上程序，所述一个或者一个以上程序还可被一个或者一个以上的处理器执行以用于：
当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号；
从预设银行中确定与所述员工账号绑定的预设商务卡的商务卡账号，并获取与所述商务卡账号对应的所有银行流水信息；
当检测到所述所有银行流水信息中存在与所述报销费用信息完全匹配的目标流水信息时，向所述客户端输出银行报销审核通过的第一提示信息；
当检测到所述客户端基于所述第一提示信息反馈的商户发票图像时，提取所述商户发票图像中的商户发票信息；
当检测到所述商户发票信息与所述报销费用信息完全匹配时，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息。
本发明计算机可读存储介质具体实施方式与上述商务卡关联监督方法各实施例基本相同，在此不再赘述。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本发明各个实施例所述的方法。
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。
Claims (20)
- 一种商务卡关联监督方法，其特征在于，所述商务卡关联监督方法包括：当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号；从预设银行中确定与所述员工账号绑定的预设商务卡的商务卡账号，并获取与所述商务卡账号对应的所有银行流水信息；当检测到所述所有银行流水信息中存在与所述报销费用信息完全匹配的目标流水信息时，向所述客户端输出银行报销审核通过的第一提示信息；当检测到所述客户端基于所述第一提示信息反馈的商户发票图像时，提取所述商户发票图像中的商户发票信息；当检测到所述商户发票信息与所述报销费用信息完全匹配时，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息。
- 如权利要求1所述的商务卡关联监督方法，其特征在于，所述当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号的步骤之前还包括：当检测到基于所述商务卡账号的刷卡支付请求时，获取所述刷卡支付请求中的商户信息；当检测到预设商户黑名单中存在所述商户信息时，拒绝所述商务卡账号的刷卡支付请求，并向所述客户端发出第一告警信息。
- 如权利要求2所述的商务卡关联监督方法，其特征在于，所述商务卡关联监督方法还包括：当检测到与所述员工账号绑定的第三方预设账号的第三方支付请求时，允许所述所述第三方支付请求，并向所述员工账号对应的当前登录客户端发送获取商户发票的第三提示信息；获取所述当前登录客户端基于第三提示信息反馈的商户发票图像，并向所述当前登录客户端发送妥善保管商户发票，以便人工报销的第四提示信息。
- 如权利要求2所述的商务卡关联监督方法，其特征在于，所述获取所述刷卡支付请求中的商户信息的步骤之前还包括：获取所述刷卡支付请求中的支付金额；当检测到所述支付金额大于预设警戒值时，获取所述支付请求中的交易位置；当检测到所述交易位置与预设的商务目的地之间的距离大于预设阈值时，拒绝所述商务卡账号的刷卡支付请求，并向所述客户端发出第二告警信息。
- 如权利要求4所述的商务卡关联监督方法，其特征在于，所述商务卡关联监督方法还包括：当检测到与所述员工账号绑定的第三方预设账号的第三方支付请求时，允许所述所述第三方支付请求，并向所述员工账号对应的当前登录客户端发送获取商户发票的第三提示信息；获取所述当前登录客户端基于第三提示信息反馈的商户发票图像，并向所述当前登录客户端发送妥善保管商户发票，以便人工报销的第四提示信息。
- 如权利要求4所述的商务卡关联监督方法，其特征在于，所述向所述客户端发出第二告警信息的步骤之后还包括：当接收到所述客户端基于第二告警信息反馈的锁定指令时，冻结所述商务卡账号的所有刷卡支付请求，并向所述客户端发送尽快挂失报备的第三告警信息。
- 如权利要求6所述的商务卡关联监督方法，其特征在于，所述商务卡关联监督方法还包括：当检测到与所述员工账号绑定的第三方预设账号的第三方支付请求时，允许所述所述第三方支付请求，并向所述员工账号对应的当前登录客户端发送获取商户发票的第三提示信息；获取所述当前登录客户端基于第三提示信息反馈的商户发票图像，并向所述当前登录客户端发送妥善保管商户发票，以便人工报销的第四提示信息。
- 如权利要求2所述的商务卡关联监督方法，其特征在于，所述当检测到基于所述商务卡账号的刷卡支付请求时，获取所述刷卡支付请求中的商户信息的步骤之后还包括：当检测到所述商户信息为非预设商户时，获取所述刷卡支付请求中的消费金额；将所述消费金额累计到所述商务卡账号基于非预设商户的总消费金额中；当检测到所述总消费金额大于预设预算值时，拒绝所述商务卡账号的刷卡支付请求。
- 如权利要求8所述的商务卡关联监督方法，其特征在于，所述获取所述刷卡支付请求中的商户信息的步骤之前还包括：获取所述刷卡支付请求中的支付金额；当检测到所述支付金额大于预设警戒值时，获取所述支付请求中的交易位置；当检测到所述交易位置与预设的商务目的地之间的距离大于预设阈值时，拒绝所述商务卡账号的刷卡支付请求，并向所述客户端发出第二告警信息。
- 如权利要求8所述的商务卡关联监督方法，其特征在于，所述商务卡关联监督方法还包括：当检测到与所述员工账号绑定的第三方预设账号的第三方支付请求时，允许所述所述第三方支付请求，并向所述员工账号对应的当前登录客户端发送获取商户发票的第三提示信息；获取所述当前登录客户端基于第三提示信息反馈的商户发票图像，并向所述当前登录客户端发送妥善保管商户发票，以便人工报销的第四提示信息。
- 如权利要求8所述的商务卡关联监督方法，其特征在于，所述商务卡账号设有商务级别，所述当检测到所述总消费金额大于预设预算值时，拒绝所述商务卡账号的刷卡支付请求的步骤之前还包括:从系统数据库中获取与所述商务卡账号的商务级别相互映射的预设预算值。
- 如权利要求11所述的商务卡关联监督方法，其特征在于，所述获取所述刷卡支付请求中的商户信息的步骤之前还包括：获取所述刷卡支付请求中的支付金额；当检测到所述支付金额大于预设警戒值时，获取所述支付请求中的交易位置；当检测到所述交易位置与预设的商务目的地之间的距离大于预设阈值时，拒绝所述商务卡账号的刷卡支付请求，并向所述客户端发出第二告警信息。
- 如权利要求11所述的商务卡关联监督方法，其特征在于，所述商务卡关联监督方法还包括：当检测到与所述员工账号绑定的第三方预设账号的第三方支付请求时，允许所述所述第三方支付请求，并向所述员工账号对应的当前登录客户端发送获取商户发票的第三提示信息；获取所述当前登录客户端基于第三提示信息反馈的商户发票图像，并向所述当前登录客户端发送妥善保管商户发票，以便人工报销的第四提示信息。
- 如权利要求1所述的商务卡关联监督方法，其特征在于，所述商务卡关联监督方法还包括：当检测到与所述员工账号绑定的第三方预设账号的第三方支付请求时，允许所述所述第三方支付请求，并向所述员工账号对应的当前登录客户端发送获取商户发票的第三提示信息；获取所述当前登录客户端基于第三提示信息反馈的商户发票图像，并向所述当前登录客户端发送妥善保管商户发票，以便人工报销的第四提示信息。
- 一种商务卡关联监督系统，其特征在于，所述商务卡关联监督系统包括：第一获取模块，用于当检测到基于客户端提交的预设商务卡的费用报销事宜时，获取所述费用报销事宜中的报销费用信息和所述客户端对应的当前登录的员工账号；第二获取模块，用于从预设银行中确定与所述员工账号绑定的预设商务卡的商务卡账号，并获取与所述商务卡账号对应的所有银行流水信息；第一输出模块，用于当检测到所述所有银行流水信息中存在与所述报销费用信息完全匹配的目标流水信息时，向所述客户端输出银行报销审核通过的第一提示信息；提取模块，用于当检测到所述客户端基于所述第一提示信息反馈的商户发票图像时，提取所述商户发票图像中的商户发票信息；第二输出模块，用于当检测到所述商户发票信息与所述报销费用信息完全匹配时，确认本次商务卡报销审核通过，并向客户端输出商务报销审核通过的第二提示信息。
- 一种报销终端，其特征在于，所述报销终端包括：存储器、处理器、通信总线以及存储在所述存储器上的商务卡关联监督程序，所述处理器用于执行所述商务卡关联监督程序，以实现如权利要求1所述的商务卡关联监督方法的步骤。
- 一种报销终端，其特征在于，所述报销终端包括：存储器、处理器、通信总线以及存储在所述存储器上的商务卡关联监督程序，所述处理器用于执行所述商务卡关联监督程序，以实现如权利要求2所述的商务卡关联监督方法的步骤。
- 一种报销终端，其特征在于，所述报销终端包括：存储器、处理器、通信总线以及存储在所述存储器上的商务卡关联监督程序，所述处理器用于执行所述商务卡关联监督程序，以实现如权利要求3所述的商务卡关联监督方法的步骤。
- 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有商务卡关联监督程序，所述商务卡关联监督程序被处理器执行时实现如权利要求1所述的商务卡关联监督方法的步骤。
- 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有商务卡关联监督程序，所述商务卡关联监督程序被处理器执行时实现如权利要求2所述的商务卡关联监督方法的步骤。
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