Automated association method for business documents, bank statements and electronic receipts

Abstract

The present invention discloses an automatic association method for business documents, bank statements and electronic receipts. An association system is set up. The association system is connected with a business system and a capital system through data transmission interfaces. The association system obtains information data of the business documents, bank statements and electronic receipts through the data transmission interfaces and places them in different databases respectively. The association system has built-in key field association rules and custom configuration association rules. The association system starts an automatic matching program, successively adopts the key field association rules and the custom configuration association rules, cyclically matches the business documents and electronic receipts corresponding to the bank statements, and then establishes an association relationship between the business documents, bank statements and electronic receipts based on the information data of the bank statements, and stores the association relationship in the associated database.

Description

Technical Field

[0001] The present invention relates to the technical field of financial document processing, and more specifically, to an automatic association method for business documents, bank statements and electronic receipts. Background Art

[0002] When an enterprise conducts external collection and payment transactions, the bank will generate bank statements and bank electronic receipts after the transaction is successful. The group finance department needs to export each bank statement (the abbreviation of bank account transaction details) and electronic receipts to sort out the business and facilitate subsequent account settlement.

[0003] When the enterprise has a large transaction volume, a large number of documents are generated. The workload of manual document association is large and the efficiency is low. It is necessary to consider system automation processing and design a related document association system to realize the automatic association of business documents, bank statements and electronic receipts.

[0004] The document association system can directly obtain business documents, bank statements and electronic receipts through the business system and the capital system. After obtaining the data of the three-party documents, it can realize document association based on key fields, reduce manual operations, and greatly facilitate financial accounting and other operations. However, the existing document association system mainly identifies and associates through key fields. In actual use, there are differences between the banks that issue documents, such as the presence or absence of key fields, differences in key fields, the format of electronic receipts, the number of electronic receipts, and other practical problems, which ultimately affect the work of the document association system, bring more troubles to manual correction or verification in the later stage, and increase the workload of manual work.

[0005] The above shortcomings need to be improved. Summary of the invention

[0006] In order to overcome the deficiencies of the existing technology, the present invention provides an automated association method for business documents, bank statements and electronic receipts.

[0007] The technical solution of the present invention is as follows:

[0008] An automated association method for business documents, bank statements and electronic receipts, wherein an association system is set up, wherein the association system is respectively connected to a business system and a capital system through data transmission interfaces, wherein the association system obtains information data of the business documents, bank statements and electronic receipts through the data transmission interfaces and respectively places the information data of the three items in different databases.

[0009] The association system has built-in key field association rules and custom configuration association rules.

[0010] The association system starts an automatic matching program, successively adopts the key field association rules and the custom configuration association rules, cyclically matches the business documents and the electronic receipts corresponding to the bank statements, and then establishes the association relationship between the business documents, the bank statements and the electronic receipts based on the information data of the bank statements, and stores the association relationship between the three in the associated database.

[0011] The above-mentioned automated association method of business documents, bank statements and electronic receipts, the workflow of the association system includes:

[0012] Step S1. The association system connects the business system and the capital system respectively to obtain information data of the business document, the bank statement and the electronic receipt;

[0013] Step S2. The association system reads each piece of information data according to the key field association rule and forms a document list;

[0014] Step S3. The association system sequentially executes the automatic matching procedure of the business document with the bank statement and the automatic matching procedure of the bank statement with the electronic receipt according to the custom configured association rule;

[0015] Step S4. Using the bank statement as a matching intermediary, automatically check the electronic receipt and the business document corresponding to the same bank statement, complete the association of the three documents and output a query report.

[0016] In the above-mentioned automated association method of business documents, bank statements and electronic receipts, in step S1, the association system sets a timer task manager, the timer task manager starts the association system according to a timer, and the association system executes the corresponding automatic matching program according to the custom configuration association rule after the timer task manager is started.

[0017] Furthermore, the scheduled task manager cyclically starts the associated system at a certain period within a set time range.

[0018] In the above-mentioned method for automatic association of business documents, bank statements and electronic receipts, in step S2, the document list sets a category set, and the association system classifies the business documents, bank statements and electronic receipts according to the banks to which they belong and classifies them into different category sets. The association system calls out different category sets according to the task command and executes the automatic checking procedure.

[0019] Furthermore, the association program classifies the business documents, the bank statements and the electronic receipts according to the bank name keywords and classifies them into different category sets.

[0020] In the above-mentioned automated association method of business documents, bank statements and electronic receipts, in step S3, any of the custom configured association rules includes multiple locking conditions and multiple execution rules, and the association system determines the category sets set in two different databases according to the locking conditions, and the association system reads the document list in the two category sets according to the execution rules and executes the automatic checking procedure.

[0021] Furthermore, any of the custom configuration association rules and task commands are in a one-to-one mapping relationship, a plurality of the task commands form a task list, the task command sets an execution priority attribute, and the association program executes the automatic checking program for the corresponding task command according to the numerical value of the execution priority.

[0022] Furthermore, the custom configuration association rule has a unique identifier, and the automatic matching program preferentially matches the data in the document list corresponding to the unique identifier.

[0023] The above-mentioned automated association method of business documents, bank statements and electronic receipts, the specific association steps of the business documents and the bank statements are as follows:

[0024] Step A1. The association system connects the business system and the capital system respectively, obtains the information data of the business documents and the bank flow and generates the document list;

[0025] Step A2. The associated system executes the automatic check program for the task commands in the task list in turn according to the scheduled task manager and the execution priority attribute;

[0026] Step A3. If the automatic matching program successfully matches according to the custom configuration association rules, the matching of the business document and the bank statement is completed; if there is a list of unmatched documents after the automatic matching program is executed according to the custom configuration association rules, the association system outputs the corresponding document list to the manual matching interface.

[0027] The above-mentioned automated association method of business documents, bank statements and electronic receipts, the specific association steps of the electronic receipts and the bank statements are as follows:

[0028] Step B1. Determine the format of the electronic receipt;

[0029] Step B2. Perform structured data processing on the information data of the electronic receipt;

[0030] Step B3. Check the electronic receipt and the bank statement to establish an association relationship between the electronic receipt and the bank statement.

[0031] The present invention according to the above scheme has the beneficial effect that the present invention makes full use of the characteristics of the document itself, business logic and the learning of financial personnel through the set key field association rules and the custom configuration association rules that can be added and modified by the user, and uses some fixed key fields to form keyword combinations. Through the custom keyword combination, the association system can achieve flexible, accurate and fast association, and at the same time achieve the following effects:

[0032] 1. Automatically identify the business type without business documents in the bank statement, accurately determine whether there is a corresponding business document for the business type, and match the bank statements with business documents one by one to achieve the association relationship with the corresponding business documents, or associate the bank statements without business documents with a fixed business list.

[0033] 2. Flexibly identify one-to-one, one-to-many, and many-to-one relationships.

[0034] 3. Broaden the recognition scope of key fields and effectively solve the different recognition problems of key fields of different ports.

[0035] In addition, the present invention also has OCR recognition capability, and can effectively obtain data information of corresponding electronic receipts for the unconventional recognition format problems returned by some banks, and complete automatic association. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0037] Figure 1 It is a schematic diagram of the structural flow of the present invention.

[0038] Figure 2 This is a diagram of the document list interface.

[0039] Figure 3 This is a diagram of the task list interface.

[0040] Figure 4 This is a schematic diagram of the information interface for task commands.

[0041] Figure 5 This is a diagram of the interface of the scheduled task manager for task commands. DETAILED DESCRIPTION

[0042] In order to make the technical problems, technical solutions and beneficial effects to be solved by the present invention more clearly understood, the present invention is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not used to limit the present invention.

[0043] Automated linking method for business documents, bank statements and electronic receipts, such as Figure 1 As shown, the specific process is as follows:

[0044] Step S1. The associated system connects the business system and the capital system respectively to obtain information data of business documents, bank statements and electronic receipts.

[0045] The associated system is connected to the interfaces of the business system and the capital system to obtain the data of the three parties. Among them, the capital system carries the bank-enterprise direct connection function, obtains bank statements and bank electronic receipts through interfaces with multiple banks, avoids frequent operations of online banking and offline convenient services, and realizes online processing of all programs. When the associated system obtains documents from the business system and the capital system, if the business type is a payment application, the associated system sends the transaction instructions of the payment order from the capital system to the bank through the bank-enterprise direct connection, and then returns the transaction results through the interface of the bank-enterprise direct connection function, that is, obtains the business documents and bank statements at the same time; if the business type is not a payment application, it is transmitted to the capital system through the interface of other business systems, and the bank statements returned by the bank-enterprise direct connection function of the capital system feedback the transaction results.

[0046] During actual use, the business system and the capital system are in full-day operation, continuously generating business documents, bank statements and electronic receipts. If the associated system is connected to the business system and the capital system in real time to obtain document data, it will have a certain impact on the operation of the business system and the capital system. From the perspective of efficiency, energy consumption and computing utilization, the associated system should be set to obtain data at regular intervals, and try to do so when the business system and the capital system are idle, so as to reduce the impact on the business system and the capital system.

[0047] In this application, business documents, bank statements and electronic receipts are all data obtained at the same time. In order to achieve the association between the three documents, the association system associates the business documents with bank statements, and the bank statements with electronic receipts respectively. Finally, the bank statements are used as the base document to match the associated business documents and the electronic receipts, thus achieving the association of the three documents.

[0048] In one embodiment, the business system and the capital system set up an automatic push function. Whenever a corresponding document is generated, it is sent to the associated system. The associated system receives the information data of the business document, bank flow and electronic receipt according to the control of the scheduled task manager.

[0049] Step S2. The association system reads each piece of information data according to the key field association rules and forms a document list.

[0050] The associated system sets up an associated database. After the associated system obtains relevant documents, under normal circumstances, the document data read by the associated system are all document information with key fields, including document bank name, document number, document date, amount, document name, payee name, payee name, etc., to facilitate subsequent matching and association.

[0051] like Figure 2 As shown, according to the key field association rules, the information data of each business document, bank statement and electronic receipt are formed into a document list, that is, the set of associated databases corresponds to the three types of documents: business documents, bank statements and electronic receipts, and the document list is the information set corresponding to each document.

[0052] In one embodiment, the document list is classified according to the bank to which it belongs, and then the data information of the corresponding document is read according to the key fields and filled in the corresponding position of the collection. In a specific embodiment, the key fields include: bank name, receipt number, transaction time, currency, unit, verification code, income and expenditure attributes, transaction amount, payment account number, payer account name, payer opening bank, recipient account number, recipient account name, recipient opening bank, purpose and remarks.

[0053] Step S3. The association system executes the automatic matching procedures of business documents and bank statements and the automatic matching procedures of bank statements and electronic receipts in sequence according to the custom configured association rules. Since the interface data standards of bank statements and bank electronic receipts of different banks are inconsistent, the transaction details and electronic receipts of different banks adopt different key fields, and data value rules need to be configured to respectively identify the documents of different banks and identify the association. In this case, the system first needs to determine whether there are identifiable key fields between the bank statement and the electronic receipt. Since the bank statement and the electronic receipt are documents formed by the same transaction, they are associated with each other. Some banks will be directly reflected in the key fields. The system can determine whether the two are generated by the same transaction through the normal key field value rules. In this application, a custom matching rule is used for identification, and the identification method can be obtained through daily accumulation-manual input. In short, the matching rules in the association system are derived from the combination field matching formed by the commonly used or standard key fields pre-set by the association system, or from the custom configuration association rules set by the staff through work experience and content changes, etc., through the front desk.

[0054] Business documents, bank statements and electronic receipts belong to different databases. The association system extracts bank statement data one by one in the order of data acquisition, extracts corresponding data according to key fields and matches business document data in another data set one by one. In the matching process, the data combination of multiple key fields is often used as the matching rule. However, according to the specified key field matching, errors may occur when encountering some special document types, such as documents that do not have set key fields, and key fields that are different due to different bank interfaces. In this case, it is necessary to determine the association rules through custom configuration. In actual use, even if it is from different banks, business documents, bank statements and electronic receipts have certain rules. Just like the thinking process of the human brain to determine the association between business documents and bank statements, some words are extracted to form a combination matching rule.

[0055] In a specific embodiment, Figure 3 , Figure 4 As shown in Figure 1, a single custom configuration association rule forms a task command, thereby forming a task list of the associated system. The custom configuration association rule includes execution priority, task type, bank type, execution rule, enable flag and operation, as shown below.

[0056] Execution priority: It symbolizes the execution order of the character commands corresponding to the custom configuration association rules. The association system sorts the character commands in the task list according to the numerical value of the execution priority, and executes the corresponding custom configuration association rules in turn to complete the automatic checking procedure.

[0057] Task type: specifies the type of task command. In this application, it means whether the task command is to check the business document with the bank statement or to check the electronic receipt with the bank statement. In the program, this content is used to determine what database content the associated system reads.

[0058] Bank type: In different databases, different category sets are set according to the bank type. The association system determines which category set to read data information based on this information.

[0059] Among them, the task type and bank type are both locking conditions. The associated system finally determines two different category sets based on these two items, so as to extract the document list in the category set to perform matching and checking procedures.

[0060] Execution rules: This content is customized and edited by the staff. The association program matches the information in the document list in the two category sets one by one according to the information in the execution rules. When the information in all execution rules matches, the association system automatically performs a checking procedure on the documents corresponding to the document list.

[0061] In a specific embodiment, the execution rules include:

[0062] 1. Unit + transaction amount + payment account + payer's account name + recipient's account name + income and expenditure attributes + transaction time + currency + purpose;

[0063] 2. Payment account + receiving account;

[0064] 3. Unique identification;

[0065] 4. Transaction amount + receiving account;

[0066] 5.Currency+unit;

[0067] 6. Unit + transaction amount.

[0068] Among them, the unique identifier is the unique code corresponding to the document, and all its contents are unique to the document. When the associated system matches, it can directly match according to the unique identifier.

[0069] Enable flag: indicates whether the task command corresponding to the custom configuration association rule will be started by the associated system, that is, the working status of the task command.

[0070] In one embodiment, if Figure 5 As shown, the task command is executed according to the settings of the scheduled task manager, including the start execution date, the end execution date and the execution method, wherein the execution method includes periodic execution. The scheduled task manager controls the task command within the specified execution date range and controls the associated system to execute the task command according to the execution method to complete the automatic checking procedure.

[0071] Operation: The concentrated area of ​​operation buttons for the task command, including edit button and disable / enable button. The former modifies the locking conditions and execution rules of the task command, and the latter is used to control the working status of the task command.

[0072] In actual situations, for example, bank statements for provident fund and other deduction items initiated by the bank do not have corresponding business documents. In this case, the association system cannot automatically identify the business documents corresponding to the bank statements through matching. The association system will eventually put this type of bank statement into the manual identification pool, which will also increase the manual workload. In this application, in order to solve this problem, identification rules other than matching are set in the custom configuration association rules, as follows:

[0073] The user enters the rules through custom configuration association rules, and the association system executes them. Since such payment items are basically periodic and fixed businesses, they can be automatically identified through the field values ​​of the bank flow. For example, if the payment account is a basic account or an account used by the enterprise to deduct social security, the matching result is none, and then the payment account information is identified, which can be automatically considered as the social security deduction type, and then classified into the associated database after identification; or for automatic deduction items such as loans, the relevant rules about the loan repayment plan can be entered through custom configuration association rules, including amount, repayment time, repayment account, repayment bank, etc. When the bank flow information meets the above rules at the same time, the business type of the bank flow can be identified as a loan repayment item and included in the associated database. In another case, some enterprises have business application forms for loan repayment projects when applying for them internally. This type of document can be regarded as a business document when setting the interface with the business system. The association system identifies and judges through custom configuration association rules, and automatically matches it to a fixed business application form, thereby completing the association.

[0074] Similarly, there is no corresponding business document for bank loan disbursement. The loan plan can be entered through custom configured association rules, and the document can be automatically identified and marked, or it can be matched with the loan payment bank flow to the same fixed loan application form.

[0075] The bank statements that meet the requirements of no business documents in existing businesses include loan repayments, loan disbursements, purchases of financial investments, redemptions of financial investments, time deposits and notice deposits. The key field combination used by the relevant custom configuration association rules is the payment account, currency, summary, transaction account, transaction time and transaction amount. After completing the one-by-one matching of the key fields, the bank statement of the business document is not successfully matched. The above-defined configuration rules extract, combine and judge to identify the business type represented by the bank statement, and then attach the corresponding fixed business document according to the specific amount, account and preset plan.

[0076] The bank statements and business documents are matched according to the preset keyword rules and the configured custom association rules. The association system associates the successfully matched business documents with the bank statements, that is, automatically checks them. The successfully matched bank statements and business documents are included in the associated database so that they can be exported from the database later.

[0077] For bank statements that exceed the set key fields and the custom configured association rules, the association system will classify this part into the manual processing database. After the association system completes the matching action, the content of this database will be manually checked and classified into the associated database by the staff. At the same time, when the staff conducts a later spot check or finds an error, the checked data will be extracted from the associated database through the front-end operation, and the manual check will be cancelled, and the association system will delete it from the associated database. Therefore, in the front-end operation, each extracted data has an association identifier, and the association identifier is selected to complete the association.

[0078] In step S3, the association between the electronic receipt and the bank statement is performed synchronously. However, in actual situations, the format of the bank's electronic receipt is not directly recognizable by the system. Some electronic receipts are in the form of pictures, etc. The associated system cannot directly obtain the information of the electronic receipt from the picture. Therefore, this type of electronic receipt needs to be recognized by OCR to change its information data format.

[0079] Specific steps for associating electronic receipts with bank statements:

[0080] Step B1. Determine the format of the electronic receipt. In this step, the associated system directly reads the received electronic receipt information, and the electronic receipts that cannot be read are all marked for extraction.

[0081] Step B2. Perform structured data processing on the information data of the electronic receipt. For the electronic receipt whose information can be directly read in step B1, a document list is formed, which is consistent with the business document and bank flow. The electronic receipt continuously fills the original template according to the identification information and forms a check mark at the front end of the form. For the electronic receipt in the image format that cannot be directly read, OCR recognition is used to convert the unrecognizable information into recognizable information, and finally form a document list.

[0082] Step B3. Check the electronic receipt and bank statement to establish the association between the electronic receipt and bank statement. The association system matches the main information of the electronic receipt and bank statement through key fields, just like the association between bank statements and business documents, and compares and matches based on information such as amount, date, account, bank, etc.

[0083] In the process of matching electronic receipts with bank statements, there is a situation where the same electronic receipt of the bank corresponds to the bank statements of multiple transactions, resulting in deviations in the correspondence between this part of the electronic receipt and the bank statement in key fields. For example, when the principal and interest of a time deposit expire, the bank will generate two transaction statements of principal and interest, but only provide one electronic receipt. In this case, the association system cannot automatically identify it and needs to be completed through custom configuration association rules. Since some fields of the bank's electronic receipt sometimes intercept part of the transaction flow number, the system can be set to intercept the data in a certain field and compare it with the bank flow number. If they are consistent, it can be considered that the two are generated by the same transaction, thereby realizing the association between the electronic receipt and the bank statement. The custom configuration association rule in this application is a fusion field match, that is, the basic information of the bank statement and the electronic receipt is extracted and fused. The components of the fusion field are the name of the document forming unit, the transaction account number, the transaction time and the transaction amount. If the fusion fields formed by the above-mentioned document information are consistent, it can be considered that the bank statement and the electronic receipt are formed by the same transaction, thereby realizing the association between the bank statement and the electronic receipt.

[0084] Step S4. Using the bank statement as a matching intermediary, automatically check the electronic receipt and the business document corresponding to the same bank statement, complete the association of the three documents and output a query report.

[0085] After completing the association between business documents and bank statements, and electronic receipts and bank statements, the associated business documents and electronic receipts are associated based on bank statements, thereby realizing the association of the three documents. After the association system completes the association of the three documents, the data associated with the three documents enters the associated database. The association system provides a query function, which can query the corresponding data of any one of the business documents, bank statements and electronic receipts.

[0086] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for automatically associating business documents, bank statements and electronic receipts, characterized in that: Set up a correlation system, the correlation system is connected with the business system and the capital system through data transmission interfaces, the correlation system obtains information data of business documents, bank statements and electronic receipts through the data transmission interfaces and stores them in different databases respectively. The association system has built-in key field association rules and custom configuration association rules. The association system starts an automatic matching program, successively adopts the key field association rule and the custom configuration association rule, cyclically matches the business document corresponding to the bank statement and the electronic receipt, and then establishes the association relationship between the business document, the bank statement and the electronic receipt based on the information data of the bank statement, and stores the association relationship between the three in the associated database; The workflow of the association system includes: Step S1. The association system connects the business system and the capital system respectively to obtain information data of the business document, the bank statement and the electronic receipt; Step S2. The association system reads each piece of information data according to the key field association rule and forms a document list; Step S3. The association system sequentially executes the automatic matching procedure of the business document with the bank statement and the automatic matching procedure of the bank statement with the electronic receipt according to the custom configured association rule; Step S4. Using the bank statement as a matching intermediary, automatically check the electronic receipt and the business document corresponding to the same bank statement, complete the association of the three documents and output a query report.

2. The method for automatically associating business documents, bank statements and electronic receipts according to claim 1, characterized in that: In step S1, the associated system sets a timer task manager, and the timer task manager starts the associated system according to a timer. After the timer task manager is started, the associated system executes the corresponding automatic checking program according to the custom configured association rule.

3. The method for automatically associating business documents, bank statements and electronic receipts according to claim 1, characterized in that: In step S2, the document list sets a category set, and the associated system classifies the business documents, the bank statements and the electronic receipts according to the banks to which they belong and places them into different category sets. The associated system calls out different category sets according to the task command and executes the automatic checking procedure.

4. The method for automatically associating business documents, bank statements and electronic receipts according to claim 3, characterized in that: The association program classifies the business documents, the bank statements and the electronic receipts according to the bank name keywords and classifies them into different category sets.

5. The method for automatically associating business documents, bank statements and electronic receipts according to claim 1, characterized in that: In step S3, any of the custom configuration association rules includes multiple locking conditions and multiple execution rules. The association system determines the category sets set in two different databases according to the locking conditions. The association system reads the document list in the two category sets according to the execution rules and executes the automatic checking procedure.

6. The method for automatically associating business documents, bank statements and electronic receipts according to claim 5, characterized in that: There is a one-to-one mapping relationship between any of the custom configuration association rules and the task commands, a plurality of the task commands form a task list, the task command sets an execution priority attribute, and the association program executes the automatic checking program for the corresponding task command according to the numerical value of the execution priority.

7. The method for automatically associating business documents, bank statements and electronic receipts according to claim 5, characterized in that: The custom configuration association rule has a unique identifier, and the automatic matching program preferentially matches the data in the document list corresponding to the unique identifier.

8. The method for automatically associating business documents, bank statements and electronic receipts according to claim 1, characterized in that: Specific steps for associating the business document with the bank statement: Step A1. The association system connects the business system and the capital system respectively, obtains the information data of the business documents and the bank flow and generates a document list; Step A2. The associated system executes the automatic check program for the task commands in the task list in turn according to the scheduled task manager and the execution priority attribute; Step A3. If the automatic matching program successfully matches according to the custom configuration association rules, the matching of the business document and the bank statement is completed; if there is a list of unmatched documents after the automatic matching program is executed according to the custom configuration association rules, the association system outputs the corresponding list of documents to the manual matching interface.

9. The method for automatically associating business documents, bank statements and electronic receipts according to claim 1, characterized in that: The specific steps of associating the electronic receipt with the bank statement are as follows: Step B1. Determine the format of the electronic receipt; Step B2. Perform structured data processing on the information data of the electronic receipt; Step B3. Check the electronic receipt and the bank statement to establish an association relationship between the electronic receipt and the bank statement.

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