Financial reimbursement method and device, electronic equipment and storage medium

Abstract

The invention discloses a financial reimbursement method and device, electronic equipment and a storage medium, and the method comprises the steps: obtaining applicant information and a reimbursement file submitted by a reimbursement applicant, and the reimbursement file comprises an invoice file and a payment record associated with the invoice file; obtaining consumption items in the invoice file; extracting a target field in the payment record; determining a consumption item corresponding to the payment record based on the target field; whether matching; if the invoice file is matched with the payment amount and the consumption item of the payment record, performing reimbursement processing on the reimbursement file based on the applicant information and the payment amount and the consumption item of the invoice file; and if not, determining that the reimbursement file does not pass the verification. In the stage that the applicant submits the reimbursement file, the matching degree of the payment amount and the consumption item of the invoice file and the payment record is automatically checked, the phenomenon that the payment amount of the invoice file and the payment record is matched but the consumption item is not matched can be avoided, and the occurrence probability of financial fraud and errors is reduced.

Description

Technical Field

[0001] The present invention relates to the technical field of financial management, and in particular to a financial reimbursement method, device, electronic equipment and storage medium. Background Art

[0002] In most enterprises or companies, many aspects of operations require financial expenses, and once expenses are incurred, financial reimbursement is required. The main process includes functions such as expense submission, review, payment and record keeping. Enterprises can effectively control and monitor employee expenditures to ensure compliance with financial policies and regulations.

[0003] Although the existing financial management system covers a wide range of automation tools and information technology means, there are some obvious deficiencies in actual operation. The existing system mainly relies on post-manual auditing in terms of risk control. On the one hand, manual form verification is prone to errors and low efficiency, especially when the amount of form data is large, the workload of manual verification is large, which is easy to increase labor costs. On the other hand, manual review is not timely, which increases the probability of financial fraud and errors, which is not conducive to the continuity and stability of financial work. Summary of the invention

[0004] In order to solve the above technical problems, the present invention provides a financial reimbursement method, device, electronic device and storage medium.

[0005] In a first aspect, the present invention provides a financial reimbursement method, characterized by comprising:

[0006] Acquiring applicant information and reimbursement documents submitted by a reimbursement applicant, wherein the reimbursement documents include an invoice document and a payment record associated with the invoice document;

[0007] Obtaining consumption items in the invoice file;

[0008] Extracting a target field in the payment record, wherein the target field includes a transaction type field, a merchant name field, and a payment amount field;

[0009] Determine the consumption item corresponding to the payment record based on the target field;

[0010] Determine whether the payment amount and consumption items in the invoice file match those in the payment record;

[0011] If so, reimbursement is processed for the reimbursement document based on the applicant information and the payment amount and consumption items of the invoice document;

[0012] If not, it is determined that the reimbursement document verification has failed.

[0013] In a second aspect, the present invention provides a financial reimbursement device, comprising:

[0014] An information acquisition module, used to acquire applicant information and reimbursement documents submitted by a reimbursement applicant, wherein the reimbursement documents include an invoice document and a payment record associated with the invoice document;

[0015] An invoice consumption item determination module is used to obtain the consumption items in the invoice file;

[0016] A target field extraction module, used to extract a target field in the payment record, wherein the target field includes at least one of a transaction type field, a merchant name field, a product name field, and a payment amount field;

[0017] A payment consumption item determination module, used to determine the consumption item corresponding to the payment record based on the target field;

[0018] An information matching module is used to determine whether the payment amount and consumption items of the invoice file match those of the payment record; if so, the contents of the reimbursement processing module are executed; if not, the contents of the verification failure module are executed;

[0019] A reimbursement processing module, used for performing reimbursement processing on the reimbursement document based on the applicant information and the payment amount and consumption items of the invoice document;

[0020] The verification failure module is used to determine whether the reimbursement document has failed the verification.

[0021] In a third aspect, the present invention provides an electronic device, the electronic device comprising:

[0022] at least one processor; and

[0023] a memory communicatively connected to the at least one processor; wherein,

[0024] The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the financial reimbursement method described in the first aspect of the present invention.

[0025] In a fourth aspect, the present invention provides a computer-readable storage medium storing computer instructions, wherein the computer instructions are used to enable a processor to implement the financial reimbursement method described in the first aspect of the present invention when executed.

[0026] The embodiment of the present invention provides a method for obtaining applicant information and reimbursement documents submitted by a reimbursement applicant, wherein the reimbursement documents include an invoice document and a payment record associated with the invoice document; obtaining consumption items in the invoice document; extracting a target field in the payment record, wherein the target field includes at least one of a transaction type field, a merchant name field, a commodity name field, and a payment amount field; determining the consumption items corresponding to the payment record based on the target field; judging whether the payment amount and consumption items of the invoice document match those of the payment record; if so, reimbursing the reimbursement document based on the applicant information and the payment amount and consumption items of the invoice document; if not, determining that the reimbursement document verification has not passed. At the stage when the applicant submits the reimbursement document, the matching degree of the payment amount and consumption items of the invoice document and the payment record is automatically reviewed in a timely manner, and the reimbursement process can be entered only when the payment amount of the invoice document matches that of the payment record and the consumption items match, thereby avoiding the phenomenon that the payment amount of the invoice document matches that of the payment record but the consumption items do not match, reducing the probability of financial fraud and errors, and facilitating the continuity and stability of financial work.

[0027] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. 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 creative work.

[0029] Figure 1 is a flow chart of a financial reimbursement method provided by an embodiment of the present invention;

[0030] Figure 2 is a schematic diagram of a reimbursement page provided by an embodiment of the present invention;

[0031] Figure 3 This is a schematic diagram of a payment record interface provided by an embodiment of the present invention;

[0032] Figure 4 It is a schematic diagram of a specific process of reimbursement processing of a reimbursement document provided by an embodiment of the present invention;

[0033] Figure 5 It is a structural schematic diagram of a financial reimbursement device provided by an embodiment of the present invention;

[0034] Figure 6It is a schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0035] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0036] Embodiment 1

[0037] An embodiment of the present invention provides a financial reimbursement method. This embodiment can be applicable to the situation where financial reimbursement is performed on reimbursement documents provided by a reimbursement applicant. The method can be executed by a financial reimbursement device. The financial reimbursement device can be implemented in the form of hardware and / or software. The financial reimbursement device can be configured in an electronic device. Figure 1 A flowchart of a financial reimbursement method provided in Embodiment 1 of the present invention is shown in FIG. Figure 1 As shown, the financial reimbursement method includes:

[0038] S101. Obtain applicant information and reimbursement documents submitted by a reimbursement applicant, where the reimbursement documents include an invoice document and a payment record associated with the invoice document.

[0039] The applicant information includes the applicant's name, department, employee ID, etc.

[0040] In an optional embodiment, the financial reimbursement method is applied to a reimbursement device including a reimbursement page, and before obtaining the applicant information and reimbursement documents submitted by the reimbursement applicant, it also includes:

[0041] Obtain the reimbursement file uploaded by the reimbursement applicant on the reimbursement page; associate the invoice file and the payment record in the reimbursement file based on the file name of the reimbursement file; for each invoice file or payment record, determine whether there is an associated payment record or invoice file; if so, determine that the invoice or payment record has been uploaded; if not, determine the type of the reimbursement file that has not been uploaded and feedback to the reimbursement page.

[0042] For example, Figure 2 A schematic diagram of a reimbursement page is shown in FIG. Figure 2As shown, the invoice file is usually in PDF format, while the payment record is usually in jpg, png, etc. An upload file button is provided on the reimbursement page. In response to the trigger instruction of the upload file button, the corresponding file can be selected and uploaded from the local or cloud of the reimbursement device. Specifically, Figure 2 As shown, on the reimbursement page, you can limit the number and size of uploaded files.

[0043] By automatically processing the reimbursement device and associating invoice documents with payment records, data processing time can be saved and the efficiency and accuracy of financial reimbursement can be improved.

[0044] In an optional embodiment, after obtaining the applicant information and reimbursement documents submitted by the reimbursement applicant, it also includes: for each invoice file, determining whether the time difference between the invoice date of the invoice file and the payment date in the corresponding payment record is within a preset time range; if not, determining that the reimbursement file verification has failed; if so, executing the step of obtaining the consumption items in the invoice file.

[0045] In some transactions, the buyer may pay in advance, and the invoice may be issued at a certain point in time after the payment; in other transactions, the buyer may pay after a period of time after receiving the goods or services, in which case the invoice is usually issued when the transaction occurs. It can be seen that due to the inconsistency between the time of consumption and the time of invoicing, the invoice date in the invoice file and the payment date in the payment record are usually inconsistent, but the time difference between the two is usually not too long, so the time difference between the two can be limited by a preset time range. In actual operation, when the time difference between the two is too long, it is easy to affect the financial accounting processing and tax compliance as well as the continuity and stability of financial work. Therefore, when the time difference between the invoice date of the invoice file and the corresponding payment date in the payment record is outside the preset time range, it is considered that the reimbursement application does not comply with the rules. At this time, it is determined that the reimbursement document verification has not passed. For example, the preset time range can be set to one month. The specific time range can be set according to company regulations or actual needs.

[0046] S102: Obtain consumption items in the invoice file.

[0047] The content in the invoice document is usually presented in the form of a table, which usually includes a header of the consumption items. The table content corresponding to the header is the specific content of the consumption items. It should be noted that in some invoice documents, the consumption items may also appear as "consumption type", "service name", "project name" and other words. Through semantic analysis, the header and the content in the header with the same semantics as the consumption item can be determined.

[0048] It should also be noted that the present invention can combine semantic recognition, text recognition scanning or deep learning models to identify information in different files to automatically extract the required text (digital) information in the files.

[0049] S103: Extract the target field in the payment record.

[0050] The target field includes at least one of a transaction type field, a merchant name field, a product name field, and a payment amount field.

[0051] The payment method in the present invention refers to an online payment method based on the Internet. It should be noted that, when different online payment methods are used, the fields in the corresponding payment records may also be different, and the target fields to be extracted in this step include the transaction type field, the merchant name field and the payment amount field. Therefore, when there are no completely identical fields in the payment record, the semantic analysis method is used to obtain the fields with the same or similar semantics in the payment record as the corresponding target fields.

[0052] Figure 3 A schematic diagram of a payment record interface is shown in FIG. Figure 3 As shown, the content of the payment record includes the payment amount, payment time (i.e. payment time), payment method, product description, acquiring institution, and full name of the payee. Figure 3 In the payment record shown, the field corresponding to the full name of the payee is the merchant name field, and the field corresponding to "product description" is the transaction type field.

[0053] Of course, the target field may also include product name, etc.

[0054] S104. Determine the consumption item corresponding to the payment record based on the target field.

[0055] The association between the target field in the payment record and the consumption item is as follows:

[0056] Transaction type: records the specific type of transaction, such as shopping, dining, transportation, etc., which helps to distinguish the specific scenarios of consumption.

[0057] Merchant Name: Displays the name of the merchant where the transaction occurred, which can further confirm the consumption item. For example, when the merchant name is "xx restaurant" or "xx coffee shop", the consumption item is usually related to catering. When the merchant name is "xx hotel", the consumption item is usually related to accommodation. When the merchant name is a taxi company, bus company, etc., the consumption item is usually related to transportation.

[0058] Product Name: The name of the specific product or service purchased, which directly reflects the consumption item. For example, when the product name is a specific dish or drink, the consumption item is food and beverage.

[0059] Payment amount: The specific amount of the transaction, although it does not directly determine the consumption items, can help determine the nature and scale of consumption. For example, for a breakfast, its price is usually no more than 100 yuan, and for a camera product, its price is usually no less than 1,000 yuan. Therefore, the payment amount can be combined to determine the major categories of consumption items.

[0060] The accuracy of the consumption items determined by a single target field is relatively low, while the accuracy of the consumption items determined by multiple target fields is relatively high. Therefore, different types of target fields can be obtained from the payment items as much as possible to determine the consumption items. When the number of target fields is large and the consumption items determined by multiple target fields are inconsistent, the target fields can be prioritized, and the consumption items corresponding to one or more target fields with higher priorities shall prevail.

[0061] S105: Determine whether the payment amount and consumption items in the invoice file match those in the payment record.

[0062] That is, it is determined whether the payment amount in the invoice document matches the payment record, and whether the consumption items in the invoice document match the payment record. If both are matched, S107 is executed; if one does not match, S106 is executed.

[0063] S106. Determine whether the reimbursement document verification has failed.

[0064] When there is a mismatch between the payment amount and consumption items in the invoice document and the payment record, it is considered that the invoice document and payment record have not passed the preliminary verification, and specific information can be fed back to the applicant's email to remind the applicant to check the reimbursement record and reimbursement document.

[0065] S107: Process the reimbursement document based on the applicant information and the payment amount and consumption items in the invoice document.

[0066] When the invoice file matches the payment amount and consumption items in the payment record, it is considered that the invoice file and payment record have passed the preliminary verification and can enter the reimbursement stage. When processing reimbursement, the reimbursement process can be automatically executed through the financial reimbursement device. The financial reimbursement device can use OCR technology to intelligently identify information on the bill, such as amount, date, consumption items, etc., and automatically fill in the reimbursement form to reduce manual entry errors and time consumption. In addition, the reimbursement upper limit can be set in the financial reimbursement device, and the system will automatically monitor and warn the budget execution to ensure that the reimbursement expenses are controlled within the budget.

[0067] The embodiment of the present invention provides a method for obtaining applicant information and reimbursement documents submitted by a reimbursement applicant, wherein the reimbursement documents include an invoice document and a payment record associated with the invoice document; obtaining consumption items in the invoice document; extracting a target field in the payment record, wherein the target field includes at least one of a transaction type field, a merchant name field, a commodity name field, and a payment amount field; determining the consumption items corresponding to the payment record based on the target field; judging whether the payment amount and consumption items of the invoice document match those of the payment record; if so, reimbursing the reimbursement document based on the applicant information and the payment amount and consumption items of the invoice document; if not, determining that the reimbursement document verification has not passed. At the stage when the applicant submits the reimbursement document, the matching degree of the payment amount and consumption items of the invoice document and the payment record is automatically reviewed in a timely manner, and the reimbursement process can be entered only when the payment amount of the invoice document matches that of the payment record and the consumption items match, thereby avoiding the phenomenon that the payment amount of the invoice document matches that of the payment record but the consumption items do not match, reducing the probability of financial fraud and errors, and facilitating the continuity and stability of financial work.

[0068] In an alternative embodiment, Figure 4 A specific flow chart of reimbursement processing for reimbursement documents is shown in FIG. Figure 4 As shown, the reimbursement file is processed based on the applicant information and the payment amount and consumption items in the invoice file, including:

[0069] S1071. Determine the reimbursement type of the invoice document based on the consumption items in the invoice document.

[0070] When the consumption items are food and accommodation, the reimbursement type is usually travel expenses. When the consumption items are communication equipment, keyboards, monitors, etc., the reimbursement type is usually office expenses. When the consumption items are advertising fees and endorsement fees, the reimbursement type is usually publicity fees. The association between consumption items and reimbursement types can be set according to actual needs.

[0071] S1072. When the reimbursement type is a specified pre-application reimbursement type, determine whether the reimbursement file also includes an expense application process sheet.

[0072] If no, execute S1073, if yes, execute S1074.

[0073] For example, when the reimbursement type is travel expenses, it is usually necessary to apply for a business trip in advance, and the applicant can print or download the application process sheet for the business trip.

[0074] S1073. Determine that the reimbursement document verification has not passed.

[0075] When the reimbursement type is the specified pre-application reimbursement type and the expense application process sheet is not included in the reimbursement document, the rationality of the applicant's reimbursement document cannot be determined, and therefore the reimbursement document verification is determined to have failed.

[0076] S1074. Obtain the credit score of the applicant.

[0077] The present invention introduces the concept of credit score of the applicant, which can enable the financial reimbursement device and financial processing personnel to make different degrees of preparation for people with different credit scores, that is, to estimate the risk level of the reimbursement document in advance.

[0078] S1075. Based on the credit score of the applicant and the payment amount and consumption items of the invoice document, determine the risk assessment of the reimbursement document to obtain the risk assessment nature of the reimbursement document.

[0079] The risk assessment properties include high risk and normal risk.

[0080] Specifically, it can be determined whether the consumption item is a preset high-risk item or the credit score of the applicant is lower than the preset score; if so, the risk assessment nature of the reimbursement document is set to high risk; if not, the association pattern between the consumption items and payment amounts of the historical invoice documents is obtained; it can be determined whether the consumption items and payment amounts of the current invoice document conform to the association pattern; if so, the risk assessment nature of the reimbursement document is set to high risk; if not, the risk assessment nature of the reimbursement document is set to normal.

[0081] When the credit score of the applicant is low, it is considered that the reimbursement document of the application is more likely to contain errors or fraud, so the risk assessment nature of the reimbursement document is set to high risk, so as to focus on the processing of the reimbursement document. When the credit score of the applicant is high, it can be temporarily considered that the reimbursement document of the application is less likely to contain errors or fraud, and the regularity of the consumption items and payment amounts in the reimbursement document is further determined. Specifically, the correlation law between consumption items and payment amounts in historical invoice files is used as a benchmark for determination. It is easy to know that in the same enterprise or company, the correlation law between payment amounts and reimbursement items is relatively stable during financial reimbursement. Therefore, the correlation law between consumption items and payment amounts in historical invoice files has a strong reference. Based on this correlation law, the risk of the current reimbursement document is evaluated, and the risk assessment nature of the reimbursement document can be obtained quickly, reasonably and accurately.

[0082] S1076. Process reimbursement documents based on the nature of risk assessment.

[0083] Specifically, the reimbursement documents with high risk in the risk assessment nature are processed first. For enterprises or companies, high-risk reimbursement documents are more likely to contain fraud or errors. In order to avoid delayed reimbursement leading to inaccurate financial data and financial reimbursement errors, high-risk reimbursement documents can be processed first, especially when there are many reimbursement documents, which helps to control financial risks and ensure the stability of financial work. By optimizing screening and classification processing, high-risk reimbursement documents can be responded to quickly. Priority setting not only improves processing efficiency, but also enhances the accuracy of the approval process through comparison with historical data. Through real-time risk assessment, the incidence of financial fraud and errors is effectively reduced, and the security of financial management is improved.

[0084] In an optional embodiment, after the reimbursement document is processed based on the applicant information and the payment amount and consumption items of the invoice document, it also includes: for the reimbursement document with a high risk in risk assessment nature, the corresponding reimbursement processing result is sent to the manual end for review to obtain a final review result; the credit score of the applicant is set according to the final review result. The final review result is the review result of the manual end, which has a high credibility. Therefore, the credit score of the applicant can be set according to the final review result, specifically to increase or decrease the credit score of the applicant. When the final review result is a pass, the credit score of the applicant can be adaptively increased. When the final review result is a fail, the credit score of the applicant can be adaptively reduced.

[0085] Corresponding to the financial reimbursement method of the present invention, the present invention also provides a financial reimbursement device, Figure 5 The structure diagram of a financial reimbursement device provided by an embodiment of the present invention is shown in FIG. Figure 5 As shown, the financial reimbursement device includes:

[0086] An information acquisition module 501 is used to acquire applicant information and reimbursement documents submitted by a reimbursement applicant, wherein the reimbursement documents include an invoice document and a payment record associated with the invoice document;

[0087] An invoice consumption item determination module 502 is used to obtain consumption items in the invoice file;

[0088] A target field extraction module 503 is used to extract a target field in the payment record, wherein the target field includes at least one of a transaction type field, a merchant name field, a product name field, and a payment amount field;

[0089] A payment consumption item determination module 504, configured to determine the consumption item corresponding to the payment record based on the target field;

[0090] The information matching module 505 is used to determine whether the payment amount and consumption items of the invoice file match those of the payment record; if so, the contents of the reimbursement processing module are executed; if not, the contents of the verification failure module are executed;

[0091] A reimbursement processing module 506, configured to perform reimbursement processing on the reimbursement document based on the applicant information and the payment amount and consumption items of the invoice document;

[0092] The verification failure module 507 is used to determine whether the reimbursement document has failed verification.

[0093] Optionally, the reimbursement device includes a reimbursement page,

[0094] A reimbursement file acquisition module, used to acquire the reimbursement file uploaded by the reimbursement applicant on the reimbursement page before acquiring the applicant information and reimbursement file submitted by the reimbursement applicant;

[0095] an association matching module, used for associating the invoice file and the payment record in the reimbursement file based on the file name of the reimbursement file;

[0096] The association judgment module is used to judge whether there is an associated payment record or invoice file for each invoice file or payment record; if not, the content of the upload completion determination module is executed, and if not, the content of the feedback module is executed.

[0097] An upload completion confirmation module, used to confirm that the invoice or the payment record has been uploaded;

[0098] The feedback module is used to determine the type of the reimbursement file that has not been uploaded and feed back to the reimbursement page.

[0099] Optionally, the reimbursement device further comprises:

[0100] The time difference verification module is used to determine, for each invoice file, whether the time difference between the invoice date of the invoice file and the payment date in the corresponding payment record is within a preset time range after obtaining the applicant information and reimbursement documents submitted by the reimbursement applicant; if not, the content of the verification failure module 507 is executed; if so, the content of the invoice consumption item determination module 502 is executed.

[0101] Optionally, the reimbursement processing module 506 includes:

[0102] A reimbursement type determination submodule, used to determine the reimbursement type of the invoice document based on the consumption items of the invoice document;

[0103] The application process sheet judgment submodule is used to judge whether the reimbursement file also includes an expense application process sheet when the reimbursement type is a specified pre-application reimbursement type; if not, the content of the failed judgment submodule is executed; if so, the content of the credit score acquisition submodule is executed.

[0104] A failed determination submodule is used to determine that the reimbursement document verification has failed;

[0105] A credit score acquisition submodule, used to acquire the credit score of the applicant;

[0106] A risk assessment submodule, for determining the risk assessment of the reimbursement document based on the credit score of the applicant and the payment amount and consumption items of the invoice document, and obtaining the risk assessment property of the reimbursement document, wherein the risk assessment property includes high risk and normal risk;

[0107] The reimbursement processing submodule is used to perform reimbursement processing on the reimbursement document according to the nature of the risk assessment.

[0108] Optionally, the risk assessment submodule includes:

[0109] The first evaluation unit is used to determine whether the consumption item is a preset high-risk item or the credit score of the applicant is lower than the preset score; if so, the content of the high-risk determination unit is executed; if not, the content of the association rule acquisition unit is executed;

[0110] A high risk determination unit, used to set the risk assessment property of the reimbursement document to high risk;

[0111] An association rule acquisition unit, used to acquire association rules between consumption items and payment amounts in historical invoice files;

[0112] A rule matching unit is used to determine whether the consumption items and payment amounts of the current invoice document conform to the association rule; if not, the content of the high-risk determination unit is executed; if yes, the content of the regular determination unit is executed;

[0113] A regular determination unit is used to set the risk assessment property of the reimbursement document to regular.

[0114] Optionally, the reimbursement processing submodule includes:

[0115] The reimbursement processing unit is used to preferentially process the reimbursement documents whose risk assessment properties are high risk.

[0116] Optionally, the financial reimbursement device further includes:

[0117] A manual review and sending module is used to send the corresponding reimbursement processing result to the manual end for review after reimbursement processing of the reimbursement file based on the applicant information and the payment amount and consumption items of the invoice file, for the reimbursement file with a high risk in the risk assessment nature, to obtain a final review result;

[0118] A credit score setting module is used to set the credit score of the applicant according to the final review result.

[0119] The financial reimbursement device provided in the embodiment of the present invention can execute the financial reimbursement method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0120] Figure 6 A schematic diagram of an electronic device 40 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0121] like Figure 6 As shown, the electronic device 40 includes at least one processor 41, and a memory connected to the at least one processor 41, such as a read-only memory (ROM) 42, a random access memory (RAM) 43, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 41 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 42 or the computer program loaded from the storage unit 48 to the random access memory (RAM) 43. In the RAM 43, various programs and data required for the operation of the electronic device 40 can also be stored. The processor 41, the ROM 42, and the RAM 43 are connected to each other through a bus 44. An input / output (I / O) interface 45 is also connected to the bus 44.

[0122] A number of components in the electronic device 40 are connected to the I / O interface 45, including: an input unit 46, such as a keyboard, a mouse, etc.; an output unit 47, such as various types of displays, speakers, etc.; a storage unit 48, such as a disk, an optical disk, etc.; and a communication unit 49, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 49 allows the electronic device 40 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0123] The processor 41 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 41 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 41 executes the various methods and processes described above, such as a financial reimbursement method.

[0124] In some embodiments, the financial reimbursement method may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 48. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 40 via the ROM 42 and / or the communication unit 49. When the computer program is loaded into the RAM 43 and executed by the processor 41, one or more steps of the financial reimbursement method described above may be performed. Alternatively, in other embodiments, the processor 41 may be configured to execute the financial reimbursement method in any other appropriate manner (e.g., by means of firmware).

[0125] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), complex programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0126] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0127] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0128] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0129] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0130] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0131] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0132] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A financial reimbursement method, characterized in that: include: Acquiring applicant information and reimbursement documents submitted by a reimbursement applicant, wherein the reimbursement documents include an invoice document and a payment record associated with the invoice document; Obtaining consumption items in the invoice file; Extracting a target field in the payment record, the target field comprising at least one of a transaction type field, a merchant name field, a product name field, and a payment amount field; Determine the consumption item corresponding to the payment record based on the target field; Determine whether the payment amount and consumption items in the invoice file match those in the payment record; If so, reimbursement is processed for the reimbursement document based on the applicant information and the payment amount and consumption items of the invoice document; If not, it is determined that the reimbursement document verification has failed.

2. The financial reimbursement method according to claim 1, characterized in that: The reimbursement device applied to the reimbursement page further includes: Obtain the reimbursement documents uploaded by the reimbursement applicant on the reimbursement page; Associating the invoice file and the payment record in the reimbursement file based on the file name of the reimbursement file; For each of the invoice files or the payment records, determining whether there is an associated payment record or invoice file; If yes, confirm that the invoice or the payment record has been uploaded; If not, the type of the reimbursement document that was not uploaded is determined and fed back to the reimbursement page.

3. The financial reimbursement method according to claim 1, characterized in that: After obtaining the applicant information and reimbursement documents submitted by the reimbursement applicant, it also includes: For each of the invoice files, determining whether the time difference between the invoice date of the invoice file and the payment date in the corresponding payment record is within a preset time range; If not, it is determined that the reimbursement document verification has failed; If yes, the step of obtaining the consumption items in the invoice file is performed.

4. The financial reimbursement method according to claim 1, characterized in that: The reimbursement processing of the reimbursement document based on the applicant information and the payment amount and consumption items of the invoice document includes: Determining the reimbursement type of the invoice document based on the consumption items of the invoice document; When the reimbursement type is a specified pre-application reimbursement type, determining whether the reimbursement file also includes an expense application process sheet; If not, it is determined that the reimbursement document verification has failed; If so, obtaining the credit score of the applicant; Determine the risk assessment of the reimbursement document based on the credit score of the applicant and the payment amount and consumption items of the invoice document to obtain the risk assessment property of the reimbursement document, wherein the risk assessment property includes high risk and normal risk; The reimbursement document is processed for reimbursement according to the nature of the risk assessment.

5. The financial reimbursement method according to claim 4, characterized in that: The step of determining the risk assessment of the reimbursement document based on the credit score of the applicant and the payment amount and consumption items of the invoice document to obtain the risk assessment property of the reimbursement document includes: Determine whether the consumption item is a preset high-risk item or whether the credit score of the applicant is lower than a preset score; If yes, set the risk assessment nature of the reimbursement document to high risk; If not, obtain the correlation pattern between consumption items and payment amounts in historical invoice files; Determine whether the consumption items and payment amounts of the current invoice document conform to the association rule; If yes, set the risk assessment nature of the reimbursement document to high risk; If not, set the risk assessment nature of the reimbursement document to normal.

6. The financial reimbursement method according to claim 4, characterized in that: The reimbursement processing of the reimbursement document according to the nature of the risk assessment includes: Priority is given to processing the reimbursement documents whose risk assessment nature is high risk.

7. The financial reimbursement method according to claim 4, characterized in that: After the reimbursement document is processed based on the applicant information and the payment amount and consumption items of the invoice document, the method further includes: For the reimbursement documents with high risk in the risk assessment, the corresponding reimbursement processing results are sent to the manual end for review to obtain the final review results; The credit score of the applicant is set according to the final review result.

8. A financial reimbursement device, characterized in that: include: An information acquisition module, used to acquire applicant information and reimbursement documents submitted by a reimbursement applicant, wherein the reimbursement documents include an invoice document and a payment record associated with the invoice document; An invoice consumption item determination module is used to obtain the consumption items in the invoice file; A target field extraction module, used to extract a target field in the payment record, wherein the target field includes at least one of a transaction type field, a merchant name field, a product name field, and a payment amount field; A payment consumption item determination module, used to determine the consumption item corresponding to the payment record based on the target field; An information matching module is used to determine whether the payment amount and consumption items of the invoice file match those of the payment record; if so, the contents of the reimbursement processing module are executed; if not, the contents of the verification failure module are executed; A reimbursement processing module, used for performing reimbursement processing on the reimbursement document based on the applicant information and the payment amount and consumption items of the invoice document; The verification failure module is used to determine whether the reimbursement document has failed the verification.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor to enable the at least one processor to perform the financial reimbursement method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the financial reimbursement method according to any one of claims 1 to 7 when executed.

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