Electronic commercial bill accepting method and accepting system

Abstract

The embodiment of the invention discloses an accepting method and system for an electronic commercial bill, and is used for obtaining an optimal accepting scheme on the premise of improving the accepting scheme obtaining efficiency. The method provided by the embodiment of the invention comprises the following steps: screening out a first number of to-be-accepted electronic commercial drafts from an electronic commercial draft database according to a preset screening standard; obtaining a total fund amount for accepting and a preset difference; traversing the first number of to-be-accepted electronic commercial drafts according to the total fund amount and a preset difference so as to determine a plurality of groups of accepting schemes; calculating decision factors of each group of accepting schemes, so as to determine an optimal accepting scheme according to the decision factors, the decision factor is used for representing at least one of a first difference between the total accepting amount and the total fund amount of each group of accepting schemes, a time difference between the current time and the expiration time of the electronic commercial drafts in each group of accepting schemes, and the number of the electronic commercial drafts in each group of accepting schemes.

Description

technical field [0001] The invention relates to the technical field of electronic commercial bills, in particular to an acceptance method and an acceptance system for electronic commercial bills. Background technique [0002] In an enterprise fund management system, when it manages a large number of electronic commercial drafts, it must solve the daily storage management and use payment management of electronic commercial drafts. [0003] In daily storage management, enterprises need to consider the characteristics of electronic commercial drafts, such as the fact that the validity period is up to and usually short, the enterprise needs to bear a certain discount with the holding time, and there is a certain risk of acceptance failure with the change of the qualifications of different acceptors; in payment management, Since electronic commercial bills have the characteristics of scattered bills and face values, enterprises need to choose multiple bills of exchange for paymen...

AI Technical Summary

Problems solved by technology

[0004] The existing method of managing electronic commercial drafts is to first filter out a batch of bills that have not yet expired from the system during the fund payment process, and then manually exhaustively enumerate from the filtered bills to calculate the amount that meets the target amount. bills, and thus combine the funds payment plan, the acceptance plan selected in this way is not only inefficient, but also difficult to choose the optimal acceptance plan

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