Method, device and computer readable storage medium for bill data operation

Abstract

The application discloses a method, device and computer readable storage medium for bill data operation. The method comprises obtaining and comparing available bill inventory amount and fund gap information, and outputting bill discount plan list and short-term loan plan list according to the calculation and comparison results of bill discount financing cost rate and short-term loan financing cost rate. The method can accurately budget future bill operation, give reasonable bill operation plan, maximize bill benefit, optimize debt structure, reduce bank loans, reduce interest-bearing liability scale, reduce financial bill expenditure and reduce fund management risk.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of bill data management, in particular to a bill data operation method, device and readable storage medium. BACKGROUND

[0002] High energy-consuming enterprises are subject to more restrictions of national monetary policy and industrial policy, the industry growth is slow, the development trend is weak, the capital chain is very nervous, and the bank acceptance bill is generally used as a credit settlement tool for paying electricity charges, resulting in that the bill collection amount of downstream enterprises accounts for more than 45% of the total electricity charge income. Since the bill liquidity is poor, it has a great impact on the operating cash flow of enterprises. In order to ensure the normal operation of enterprises, bank loans and other ways are needed to alleviate the problem of cash flow shortage, and the interest-bearing liability control is under great pressure.

[0003] Based on the above problems, the prior art often makes artificial judgment on the bill opening plan required by enterprises only according to historical experience, which cannot predict the enterprise fund gap, and the bill opening cost is high. For the complex business of enterprises, artificial bill opening and designated bill opening plan often cannot reasonably utilize the enterprise funds, greatly restricts the enterprise fund liquidity, increases the enterprise fund cash flow pressure, and cannot reasonably calculate according to the bank benchmark interest rate information, acceptance bill discount interest rate, borrowing interest rate and bill opening service fee, and increases the enterprise operation cost. SUMMARY

[0004] Therefore, the bill data operation method, device and readable storage medium provided by the present application are used to solve at least one of the above technical problems.

[0005] In a first aspect, the embodiments of the present application disclose a bill data operation method, comprising the following steps:

[0006] S1, obtaining an available bill inventory amount and a fund gap, wherein the available bill inventory amount is a bill inventory amount greater than zero, and the bill inventory amount is equal to a total bill inventory amount minus an arranged payment bill amount;

[0007] S2, judging whether the available bill inventory amount is less than the fund gap:

[0008] S3, if yes, performing a step of comparing a financing cost rate of a current inventory receivable bill discount mode with a short-term loan financing cost interest rate of the same amount:

[0009] S31, if the bill discount financing cost rate is lower, outputting a bill discount plan list and a short-term loan plan list, and the loan amount is a value obtained by subtracting the bill inventory amount from the fund gap;

[0010] S32, if the short-term loan financing cost rate is lower, output a short-term loan plan list, and the loan amount is the fund gap;

[0011] S4, if not, output a bill discount plan list.

[0012] In the embodiment of the present application, the calculation method of the bill discount financing cost rate comprises:

[0013] S51, obtaining a bill issuance detail list, the bill issuance detail list being obtained from the input bill issuance amount via a bill issuance plan;

[0014] S52, judging whether the bill has interest:

[0015] S53, if not, the bill discount financing cost rate = ∑(each bill face value × commission rate + total other fees) / ∑ each bill face value, wherein each bill face value is obtained through a bill issuance plan;

[0016] S54, if yes, the bill discount financing cost rate = ∑(each bill face value × commission rate + total other fees + interest accrual) / ∑ each bill face value, wherein interest accrual = bill face value × coupon rate × accrual days / 360, each bill face value is obtained through a bill issuance plan, and the accrual days are the number of days from the start date to the expiration date.

[0017] In the embodiment of the present application, the short-term loan financing cost rate = (total period interest + total period fee) / weighted average number of fund occupation, wherein,

[0018] The total period interest is equal to the total number of period interest amounts;

[0019] The total period fee = ∑auxiliary fee total × actual period occupation days / total financing days, and the total financing days are equal to the interval days between the end date of the fund and the start date of the fund;

[0020] The weighted average number of fund occupation = ∑(principal balance × period occupation days / 360).

[0021] In the embodiment of the present application, the fund gap is obtained by the following method:

[0022] S21, obtaining a payment score, the payment score being determined by the amount of the expenditure bill corresponding to different business types;

[0023] S22, outputting payment scheduling information, the payment scheduling information comprising a plurality of to-be-paid items arranged in descending order of the payment score, the to-be-paid item with a higher payment score being paid in priority, and the like.

[0024] S23, calculating a fund surplus balance, the fund surplus balance being calculated from an initial fund stock, a cumulative receivable amount, a cumulative payable amount to be paid on a period, and a cumulative payable amount paid during a period;

[0025] S24, judging whether the fund surplus balance is less than the backup amount;

[0026] S25, if yes, paying each item according to the payment schedule information, and after each payment is completed, turning to the step of judging whether the fund surplus balance is less than the backup amount;

[0027] S26, if no, outputting fund gap information.

[0028] Further in the embodiment of the present application, the step of outputting the payment schedule information specifically comprises:

[0029] S221, ranking the payment items according to the payment scores from high to low; and

[0030] S222, calculating a cumulative amount of the payment items that can be executed, the cumulative amount being less than the backup amount;

[0031] Wherein, when the superposition value of the first to nth payment items ranked according to the priority is less than the backup amount, and the superposition value of the first to (n+1)th payment items ranked according to the priority is greater than the backup amount, the superposition value of the first to nth payment items ranked according to the priority is taken as the cumulative amount; and the (n+1)th payment item and other payment items are carried over to the next month settlement.

[0032] In the embodiment of the present application, the total amount of the bill stock is obtained by the following method:

[0033] S11, obtaining a cash flow code of a newly added business bill;

[0034] S12, outputting an approval invitation voucher, the approval invitation voucher being triggered to be generated by the cash flow code;

[0035] S13, obtaining an approval voucher, the approval voucher being generated by the approval invitation voucher;

[0036] S14, judging whether the approval voucher is the same as the pre-prepared voucher;

[0037] S15, if yes, executing a bill collection and payment storage and flow analysis step, and if no, outputting a prompt information.

[0038] In the embodiment of the present application, the step of executing the bill collection and payment storage and flow analysis step comprises:

[0039] S151, storing bill business information corresponding to the cash flow code;

[0040] S152, constructing an electronic bill pool, the electronic bill pool being constructed by accumulated stored historical bill transaction information and existing bill transaction information;

[0041] S153, outputting a total amount of bill inventory, the total amount of bill inventory being obtained by statistical analysis of the electronic bill pool.

[0042] Further, the bill data operation method provided by the embodiment of the present application further comprises generating a plurality of bill application records, the bill application records being automatically generated according to the to-be-issued bill amount and the bill issuing subprogram.

[0043] In the above embodiment, the bill issuing subprogram comprises the following steps:

[0044] S61, obtaining a value of a payable bill amount;

[0045] S62, obtaining a mark of a value range of a preset bill amount interval into which the value of the payable bill amount falls;

[0046] S63, executing a preset bill issuing instruction according to the mark to generate a bill application record, the bill application record comprising bill quantity information and payment amount information of each bill.

[0047] In a second aspect, in order to implement the bill data operation method of the first aspect, an embodiment of the present application discloses a bill data operation device. The device can be an independent bill operation system, can also be an integrated bill operation system, or can be a part of a bill operation system. The device has the function of implementing the bill data operation method. The function can be implemented by hardware, or can be implemented by hardware executing corresponding software. The hardware or software includes one or more modules corresponding to the above functions. Optionally, the bill operation system can include a user-oriented client and a background service system. Optionally, the user-oriented client can be an application program (APP), and can also be a web application. The client is integrated on a terminal device and runs on the terminal device. Optionally, the service system can include a server, and can also include a computer (PC) connected to the server and facing a bill issuing approval user, that is, the bill approval user can complete the approval, archiving and other processing of the bill based on the computer to assist the server.

[0048] In a possible implementation manner of the second aspect, the bill data operation apparatus comprises an information acquisition unit configured to acquire available bill inventory amount related information, fund gap information, bill discount financing cost related information, and short-term loan financing cost related information; an analysis unit configured to determine the size of the available bill inventory amount and the fund gap, and determine the size of the bill discount financing cost rate and the short-term loan financing cost rate; and an output unit configured to generate and display a bill operation plan list and / or a short-term loan plan list.

[0049] In further embodiments of the present application, the available bill inventory amount related information comprises a value of a total bill inventory amount and a value of arranged payment bill amount, the bill discount financing cost related information comprises bill opening details, bill opening interest, and bill opening fee information, and the short-term loan financing cost related information comprises period interest, period fee information, and principal balance information.

[0050] In embodiments of the present application, the analysis unit comprises:

[0051] a first calculation module configured to calculate a bill inventory amount, the inventory amount being equal to the total bill inventory amount minus the value of the arranged payment bill amount;

[0052] a first comparison module configured to compare whether the bill inventory amount is greater than zero, the available bill inventory amount being the bill inventory amount greater than zero;

[0053] a second calculation module configured to calculate a value of a fund gap;

[0054] a second comparison module configured to compare the size between the available bill inventory amount and the value of the fund gap;

[0055] a third calculation module configured to calculate a bill discount financing cost rate;

[0056] a fourth calculation module configured to calculate a short-term loan financing cost rate;

[0057] a third comparison module configured to compare the size between the bill discount financing cost rate and the short-term loan financing cost rate.

[0058] In a third aspect, embodiments of the present application disclose a computer readable storage medium, the computer readable storage medium storing instructions, when the instructions run on a computer, causing the computer to execute the bill data operation method.

[0059] Compared with the prior art, the present application has at least the following beneficial effects:

[0060] The bill data operation method disclosed in the application, the bill operation system obtains information of bill inventory amount and fund gap, and respectively calculates bill discount financing cost rate and short-term loan financing cost rate, compares the two, considers the smaller one, decides to output bill discount plan list and / or short-term loan plan list, can accurately budget future bill operation, gives the optimal bill operation plan in the way of minimizing bill operation cost, plays the maximum benefit of bills, optimizes debt structure, reduces bank loans, reduces interest-bearing liability scale, reduces financial bill expenditure, and reduces financial management risk. BRIEF DESCRIPTION OF DRAWINGS

[0061] Figure 1 The bill operation system architecture schematic diagram provided for the embodiments of the application.

[0062] Figure 2 The bill data operation method flowchart provided for the embodiments of the application.

[0063] Figure 3 The bill inventory total amount obtaining flowchart provided for the embodiments of the application.

[0064] Figure 4 The bill income and expenditure storage and flow analysis flowchart provided for the embodiments of the application.

[0065] Figure 5 The fund gap calculation method flowchart provided for the embodiments of the application.

[0066] Figure 6 The bill discount financing cost rate calculation method flowchart provided for the embodiments of the application.

[0067] Figure 7 The bill opening subprogram flowchart provided for the embodiments of the application.

[0068] Figure 8 The optional bill data operation device result schematic diagram provided for the embodiments of the application.

[0069] Figure 9 The optional bill data operation device result schematic diagram provided for the embodiments of the application. DETAILED DESCRIPTION

[0070] In order to make the purpose, technical scheme and advantages of the application clearer, the application is further described in detail below with embodiments. It should be understood that the specific embodiments described herein are only used to explain the application, and are not used to limit the application.

[0071] The method for handling invoice data provided in this application embodiment can be applied to an invoice handling system. The invoice handling system includes a user-facing client and a background service system. Optionally, the user-facing client can be an application (APP) or a web application, which is integrated and runs on a terminal device.

[0072] Users making bill payments (hereinafter referred to as payment users) can initiate a bill acceptance process to the backend service system based on this client, such as submitting an electronic application form for business documents. Optionally, the terminal device can be a mobile phone, tablet, computer, personal digital assistant, etc., and this embodiment does not limit the form of the terminal device. In addition, it should be noted that the client involved in this embodiment can be a client working under any operating system, such as a client working under iOS or a client working under Android operating system, and this application does not limit the operating system involved in the client. Optionally, the service system can include a server, and can also include a computer (PC) connected to the server and facing the bill approval user, that is, the bill approval user can use the computer to assist the server in completing the approval, archiving, and other processing of bills. Optionally, the bill approval user can be a financial personnel.

[0073] Figure 1 This section introduces the invoice operation system from a system software perspective. (See also...) Figure 1 The system application architecture diagram shown below, in which, Figure 1 The bill operation system shown can interact with multiple systems, including a company's financial system, its administrative and human resources service system, and a bank's acceptance bill service system. This bill operation system may include: an interaction layer 20, a platform application layer 21, and a technical operation layer 22.

[0074] Regarding the interaction layer, this interaction layer 20 can be divided into front-end interaction 201 and middle-end interaction 202. The front-end interaction can include a web interface and / or an app interface. The front-end interaction mainly involves the interaction between the enterprise's electronic invoice application department and the approval authority. For example, it could be the aforementioned... Figure 1 This refers to the web application or app on the terminal device described above. The middleware interaction is the backend's interaction for processing invoices and approving user actions. This middleware interaction can be located in the aforementioned... Figure 1 The PC version of the back-end service system mentioned above allows users to receive, scan, sign, and approve invoices through the platform.

[0075] For the platform application layer, the platform application layer 21 mainly includes: the bill collection and payment module 211 and the bill display module 213 connected with the front desk, and the bill budget module 212, the fund calculation module 214, the bill discount cost calculation module 215 and the loan cost calculation module 216 connected with the middle desk.

[0076] Among them, the bill collection and payment module 211 can include procurement bill collection and payment module, production turnover bill collection and payment module, electricity purchase fee collection and payment module, etc. according to the bill type, to respectively perform the statistics of the collection and payment of different types of bills. Further, the procurement declaration module is divided into service procurement collection and payment module and material procurement collection and payment module.

[0077] Among them, the bill budget module 212 is for the prediction data of bill collection and the prediction data of bill expenditure, the actual execution data of bill collection and bill expenditure, etc. The fund calculation module 214 is for the gap of enterprise fund turnover, the statistical data of bank loan fund, etc. The bill display module 213 can clearly display the flow distribution and proportion of bills under each operating activity obtained by the bill collection and payment module 211: such as service procurement, material procurement, electricity purchase fee expenditure and other business categories respectively statistics the bill collection and payment situation within a certain period, and can also display the prediction data of bill collection and payment of the bill budget module 212, the enterprise fund gap, loan fund, mortgage fund and other data calculated by the fund calculation module 214, and the bill discount cost data calculated by the bill cost calculation module 215, and also for displaying the bank loan benchmark interest rate (short term) and other data calculated by the loan cost calculation module 216. The bill display module 213 can form the bill collection and payment trend chart and the bill collection and payment balance situation, the statistical analysis of the monthly, annual same period, and periodical data of new bill, cash, electricity sales, each business type income and expenditure, the accurate research and judgment of the bill collection and payment proportion change trend, and the improvement of the cash flow gap prediction accuracy.

[0078] For the technical operation layer, the technical operation layer is connected with the above-mentioned platform application layer, and is used for Figure 1The involved bill operation system provides technical support to achieve full-process automation and electronic processing of bill receipts and payments. This technical operation layer 22 can be further subdivided according to function into: a machine learning module 221 and a bill and loan operation module 222. The machine learning module can establish a correspondence between business language and financial language based on historical data learning, recognizing the business language on acquired business documents as financial language, and performing operations such as authenticity verification, duplicate checking, and electronic archiving of electronic bills. The bill and loan operation module 222 can automatically select the bill operation method / combination method with the lowest financial bill (cost) / maximum corporate benefit, based on the cash balance (cash and bills) in the enterprise's revenue pool and the payment order (cash and bill) demand in the enterprise's payment pool obtained from the cash balance (cash and bills) obtained from the cash balance (cash and bills) (compared to the cash flow analysis results obtained from the cash balance (cash balance (cash) ...) (cash)) obtained from the cash balance (cash) (cash) (cash) (cash) (cash) (cash)

[0079] To provide enterprises with optimal decision support for bill operations, and to address issues such as large volumes of bill transactions, numerous manual processing steps, and high management difficulty, thereby further improving the efficiency of bill payment processing, this application discloses a method and apparatus for bill operations. The following detailed embodiments illustrate the technical solution of this application and how it solves the aforementioned technical problems. These specific embodiments can be combined with each other, and similar concepts or processes may not be repeated in some embodiments. The embodiments of this application will be described below with reference to the accompanying drawings.

[0080] Figure 2 This is a flowchart illustrating the method for handling negotiable instruments provided in this application. The executing entity in this embodiment can be a processing device for handling negotiable instruments, which can be the aforementioned... Figure 1 The independent bill operation system involved can also be integrated into the bill operation system as part of it, for example, it can be the back-end service system of the bill operation system. The execution subject of the following method embodiments is described using the bill operation system as an example. This embodiment relates to how the bill operation system operates on the enterprise's bill data and outputs a bill operation plan list. Specifically, the bill operation plan list includes a bill discounting plan list and a short-term loan plan list.

[0081] The specific process is as follows:

[0082] S1, obtaining an available bill inventory amount and a fund gap, wherein the available bill inventory amount is a bill inventory amount greater than zero, and the bill inventory amount is equal to a total bill inventory amount minus a value of an arranged payment bill amount;

[0083] In this step, the total bill inventory amount and the arranged payment bill amount are obtained by the bill revenue and expenditure module 211 according to bill types, such as procurement bill revenue and expenditure, production turnover revenue and expenditure, and electricity purchase bill revenue and expenditure, and the like. The bill inventory amount and the available bill inventory amount can be calculated by the bill budget module 212.

[0084] S2, determining whether the available bill inventory amount is less than the fund gap:

[0085] S3, if yes, performing a step of comparing a bill discount financing cost rate of a current inventory receivable bill discount method with a short-term loan financing cost rate of the same amount:

[0086] S31, if the bill discount financing cost rate is lower, outputting a bill discount plan list and a short-term loan plan list, and the loan amount is the value of the fund gap minus the bill inventory amount;

[0087] S32, if the short-term loan financing cost rate is lower, outputting a short-term loan plan list, and the loan amount is the fund gap;

[0088] S4, if no, outputting a bill discount plan list.

[0089] The bill data operation method disclosed in the present application, the bill operation system obtains the information of the bill inventory amount and the fund gap, and respectively calculates the bill discount financing cost rate and the short-term loan financing cost rate, analyzes and compares the sizes of the two, considers the smaller one of the bill discount financing cost rate or the short-term loan financing cost rate, decides to output the bill discount plan list and / or the short-term loan plan list, can accurately budget the future bill operation, give the optimal bill operation plan in the way of minimizing the bill operation cost, play the maximum benefit of the bill, optimize the debt structure, reduce the bank loan, reduce the scale of the interest-bearing liability, reduce the financial bill expenditure, and reduce the risk of fund management.

[0090] To obtain the flow information of the bill collection and payment, the method for obtaining the total amount of bill inventory according to the embodiments of the application, the bill operation system generates an approval invitation voucher according to the cash flow code of the newly added business document submitted by the employee through the client, and outputs the approval invitation voucher to the client of the enterprise approval department. After the enterprise approval department approves, the approval voucher is output to the bill operation system. The bill operation system judges whether the approval voucher is the same as the pre-prepared voucher. If yes, the bill collection and payment step is generated. If no, the prompt information is output. Wherein, the total amount of bill inventory related to the bill can be obtained after the bill collection and payment step is executed, which serves as the basis for further bill operation. Specifically, in the embodiments of the application, the electronic bill used by the enterprise is more electronic bank acceptance bill. As shown in the following figure, the step for obtaining the total amount of bill inventory provided by the embodiments includes: Figure 3

[0091] S11: obtaining the cash flow code of the newly added business document;

[0092] Specifically, when the employee has a newly added material, service, other payable, employee reimbursement, electricity purchase, renewable, and other declaration business activities, the employee can declare the process in the client, and submit the business document to the bill operation system. Optionally, the cash flow code can be a digital number, a two-dimensional code or a bar code displayed by the electronic bill. The embodiments do not limit the specific form of the cash flow code.

[0093] S12: outputting an approval invitation voucher, wherein the approval invitation voucher is triggered by the cash flow code;

[0094] Specifically, after the bill operation system obtains the cash flow code, it can convert the information into each specific bill flow code, and write it into the pre-prepared voucher library, and the approval invitation voucher. The approval invitation voucher can only be received by the client of the enterprise approval department or the individual, and the input of the general application business employee or individual is shielded. Wherein, the pre-prepared voucher library includes a large number of vouchers corresponding to the cash flow code information of the bill business information. These pre-set vouchers have multiple types, and each type of pre-set voucher corresponds to different types of electronic bill and cash flow code. As for the line flow code, it can be directly the digital information corresponding to the cash amount.

[0095] S13: obtaining an approval voucher, wherein the approval voucher is generated by the approval invitation voucher;

[0096] ​The approval voucher obtaining process of the bill operation system is specifically as follows: after the client of the enterprise approval department or the individual obtains the approval invitation voucher output by the bill operation system, the client verifies whether the approval invitation voucher exists, and the corresponding user information is the newly added materials, services, other payables, employee reimbursement, electricity purchase, renewable and other declaration businesses of the employee. If it is confirmed on the client, the client triggers the approval voucher output. If it is not confirmed, the denial information of disapproval is sent to the bill operation system, and the bill operation system executes step S16.

[0097] In this step, the bill operation system is preset with a voucher, and the enterprise preset voucher library can be interconnected with the platform of the bank. For example, the enterprise transmits the bank acceptance bill issued to the client to the enterprise preset voucher library through the platform. Optionally, when the platform of the bank cannot be interconnected with the enterprise preset voucher library, the enterprise can transmit the electronic business document issued by the client to the enterprise preset voucher library through the upload interface provided by the client. The paper application form can be stored in the library by the way of photographing and uploading, and the paper application form becomes an electronic bill in the enterprise preset voucher library.

[0098] In addition, in the present embodiment, when the enterprise preset voucher library is established, if the bill operation system obtains a picture format application form, the bill operation system will take the picture format application form as an electronic bill, and identify the face information of the electronic bill through image processing technology. Therefore, the enterprise preset voucher library can contain a plurality of electronic bills and the corresponding face information of each electronic bill. The face information can be the amount of the electronic bill, the time of issuing the bill, the taxpayer identification number, etc.

[0099] Optionally, the bill operation system can also verify the authenticity of the obtained plurality of electronic bills before establishing the enterprise preset voucher library. Optionally, the bill operation system can be interconnected with the official bill checking interface, and the two can check the authenticity of the electronic bill together. For example, the authenticity of the electronic bill can be checked through the voucher in the electronic bill. The present embodiment does not limit the specific form of the authenticity verification of the electronic bill. When the bill operation system obtains the electronic bill with the verification result of true, the electronic bill with the verification result of true is used to establish the enterprise preset voucher library, so as to ensure the authenticity of the electronic bill in the enterprise preset voucher library and improve the accuracy of the enterprise in the later bill collection and operation.

[0100] S14: judging whether the approval voucher is the same as the pre-prepared voucher, if yes, executing S15, if not, executing S16.

[0101] The process of verifying the approval document by the bill operation system is specifically as follows: when the bill operation system obtains the approval document provided by the client from the approval department or individual through the user upload interface, the bill operation system compares the approval document with the pre-prepared document to determine whether they are the same, and if yes, S15, the bill collection and flow analysis step, is executed; if not, S16 is executed.

[0102] S15: executing the bill collection and flow analysis step;

[0103] S16: outputting prompt information.

[0104] The prompt information can be interacted with the client from the procurement business, production turnover application business and electricity purchase expense declaration business by the bill operation system, and output by the client to prompt the employee applying for the electronic bill to pay attention to the fact that the application business has not been approved and the application has failed. The first prompt information can be interacted with the client from the procurement business, production turnover application business and electricity purchase expense declaration business by the bill operation system, and output by the client to prompt the employee applying for the electronic bill to pay attention to the fact that the application business has not been approved and the application has failed.

[0105] Specifically, as shown in Figure 4 S15 specifically includes:

[0106] S151: storing the bill business information corresponding to the cash flow code, the bill business information including the business type information, transaction amount information and transaction party enterprise code information in the business document corresponding to the cash flow code. For example, the business type includes service procurement, material procurement, electricity purchase expense, etc., and the transaction amount includes service fee, material transaction amount and electricity purchase expense, etc. The business type can also include sales business and enterprise transfer, etc., and the transaction amount information includes sales income and enterprise transfer income, etc.

[0107] S152: constructing an electronic bill pool, the electronic bill pool being constructed by the cumulative stored historical bill business information and the existing bill business information.

[0108] S153: outputting the total amount of bill inventory, the total amount of bill inventory being obtained by statistical analysis of the electronic bill pool.

[0109] The total amount of bill inventory includes the statistical items of receivable bill balance at the beginning of the month, this month's new receivable amount, this month's reduced receivable bill amount, receivable bill balance at the end of the month, payable bill balance at the beginning of the month, this month's new payable amount, this month's reduced payable bill amount and payable bill balance at the end of the month, etc., and can display the receivable bill balance month distribution graph and the payable bill balance month distribution graph.

[0110] The method for performing bill collection and payment and flow analysis provided by the embodiments of the present application can clearly show the flow distribution and proportion of bills under each business activity: the bill collection and payment in a certain period is counted according to the business categories such as service procurement, material procurement, electricity purchase expense, etc., including the predicted data (budget) of bill collection and payment, the actual execution data of bill collection and payment, etc.; the bill collection and payment trend chart and the balance of bill collection and payment are formed. The statistical analysis of the monthly, the same period and the ring data of the newly added bills, cash, electricity sales, and each business type income and expenditure, the accurate judgment of the change trend of the bill collection and payment proportion, and the improvement of the prediction accuracy of the cash flow gap.

[0111] In order to accurately determine the fund gap of the enterprise, the embodiments provide a fund gap calculation method, which can further estimate the end-of-period balance according to the income schedule budget (including bills and cash), the expenditure schedule budget (cash + bills), the initial balance (cash + bills), dynamically predict and calculate the enterprise fund gap, eliminate the records of deferred payment, calculate whether there is a fund gap in the whole, that is, whether (initial fund stock + ∑ receivable amount) - (∑ payable amount paid on period + ∑ payable amount paid in month) is less than the standby amount, so as to calculate whether there is a fund gap.

[0112] As shown in Figure 5 , the method can include the following steps:

[0113] S21: obtaining a payment score determined by the amount of expenditure bills corresponding to different business types, such as bills needed to be used by bills of exchange for purchasing materials, purchasing services, other payable, employee reimbursement, electricity purchase expense and renewable business, wherein the bills corresponding to services and electricity purchase expense have higher scores, and the bills corresponding to other payable business have lower scores;

[0114] S22: outputting to-be-paid schedule information, wherein the payment schedule information includes a plurality of to-be-paid items arranged in descending order of the payment score, and the to-be-paid items with higher payment scores are paid in priority, and the to-be-paid items with lower payment scores are paid in turn;

[0115] S23: calculating a fund surplus or deficit balance, and a specific calculation formula is (initial fund stock + ∑ receivable amount) - (∑ payable amount paid on period + ∑ payable amount paid in period), and the calculation period can be monthly, quarterly or annually;

[0116] S24: judging whether the fund surplus or deficit balance is less than the standby amount, if yes, performing step S25, indicating that there is no fund gap; if no, performing step S26, indicating that there is a fund gap;

[0117] S25: Pay each item according to the payment schedule information, and repeat step S24 after each payment is completed until all pending payments are completed;

[0118] S26: Output the fund gap information to remind the user to make investment and financing to increase the standby amount, or to open a bill of exchange.

[0119] In this step, the bill operation system needs to first rate a number of payment items according to the payment score, with the payment items with high scores arranged in the front and the payment items with low scores arranged in the back; then, the bill operation system needs to calculate the cumulative amount of the payment items that can be executed, which is less than the standby amount; specifically, the bill operation system calculates the superposition value of the first to nth payment items ranked by priority and the superposition value of the first to nth+1 payment items ranked by priority; when the superposition value of the first to nth payment items ranked by priority is less than the standby amount, and the superposition value of the first to nth+1 payment items ranked by priority is greater than the standby amount, the superposition value of the first to nth payment items ranked by priority is taken as the cumulative amount; and the nth+1 payment item and other payment items are transferred to the next month settlement. After the execution of step S26, the output fund gap information and payment schedule information can be used as the basis for further enterprise bill operation, which can clearly balance and pay the enterprise funds, and provide a reference for constructing an enterprise bill operation model.

[0120] In this embodiment, as shown in Figure 6 the calculation method of the bill discount financing cost rate includes:

[0121] S51, obtain the bill list, which is obtained from the input bill amount via the bill plan;

[0122] S52, determine whether each planned bill on the bill list has interest:

[0123] S53, if not, the bill discount financing cost rate = ∑(each bill face value x commission rate + total other fees) / ∑ each bill face value, wherein each bill face value is obtained through the bill plan;

[0124] S54, if yes, the bill discount financing cost rate = ∑(each bill face value x commission rate + total other fees + interest accrued) / ∑ each bill face value, wherein interest accrued = bill face value x coupon rate x accrual days / 360, each bill face value is obtained through the bill plan, and the accrual days are the number of days from the start date to the expiration date.

[0125] In step S51, the bill opening plan includes bill opening amount information, bill opening quantity information, and information of the bill opening bank. The bill discount plan includes discount mode information, discount interest rate information, and discount conversion day information, etc., wherein the discount mode includes buyout discount and repurchase discount. The buyout discount is used for the bills to be expired in the current month, and the repurchase discount is used for the bills to be expired for more than 1 month.

[0126] The bill opening plan is automatically generated by the bill operation system according to the amount of bills to be issued and a bill opening subprogram. For example, the bill opening subprogram can be written by a bill opening amount splitting rule, which is a flow control instruction. The bill opening amount splitting rule can be self-defined, and the rule is shown in Table 1. It mainly includes the limitation of fixed bill opening quantity and denomination, balance bill opening splitting rule, minimum bill opening denomination, maximum bill opening denomination, and loop bill opening rule (for large amount bill opening scenario).

[0127] Specifically, as shown in Table 1, the bill opening subprogram includes the following steps: Figure 7

[0128] S61: obtaining the value of the amount of bills to be paid;

[0129] S62: obtaining the label of the value range of the preset bill amount interval in which the value of the amount of bills to be paid falls;

[0130] S63: executing a preset bill opening instruction according to the label to generate a bill opening application record, which includes bill opening quantity information and payment amount information of each bill. Specifically, multiple bill opening application records can be obtained by executing the bill opening subprogram multiple times, and the bill opening plan is composed of these bill opening application records. Table 1 shows a specific bill opening amount splitting method, which can obtain the optimal bill opening plan according to the amount to be paid.

[0131] Table 1: Bill opening amount splitting method

[0132]

[0133]

[0134] The embodiment provides a calculation method of a short-term loan financing cost rate, and the short-term loan financing cost rate = (total interest amount in the period + total fee amount in the period) / weighted average of period fund occupation.

[0135] The total interest amount in the period is equal to the total value of the interest amount in the period; the total fee amount in the period = ∑total auxiliary fee × actual occupation days in the period / total financing days. The total auxiliary fee is the statistics of auxiliary fees related to actual fund receipt, and the auxiliary fees include service consultant fee, sales fee, guarantee fee, rating fee, issuance fee, and other fees. ​

[0136] Total financing days = interval days between the end date of the financing and the start date of the financing; Weighted average of funds occupancy = ∑(principal balance x occupancy days during the period / 360); Period value explanation: the initial point is the day before the query start date.

[0137] Figure 8 The structure diagram of the device for operating the bill data provided in the present application. The device can be realized by software, hardware or a combination of software and hardware to become part or all of the above-mentioned bill operation system. As shown in the figure, the device comprises: an information acquisition unit 51 for acquiring available bill inventory amount related information, fund gap information, bill discount financing cost related information and short-term loan financing cost related information; an analysis unit 52 for judging the size of the available bill inventory amount and the fund gap and judging the size of the bill discount financing cost rate and the short-term loan financing cost rate; an output unit 53 for generating and displaying a bill operation plan list and / or a short-term loan plan list. Figure 8

[0138] Specifically, the available bill inventory amount related information includes the value of the total bill inventory amount and the value of the arranged payment bill amount, the bill discount financing cost related information includes the bill opening details list, bill opening interest and bill opening fee information, and the short-term loan financing cost related information includes period interest, period fee information and principal balance information. To acquire these information, the information acquisition unit 51 can acquire them uniformly through an integrated single module, or acquire them through multiple modules respectively, and then analyze and calculate them according to the above-mentioned related steps and methods to obtain the corresponding result information.

[0139] Specifically, the analysis unit 52 comprises:

[0140] a first calculation module for calculating the bill inventory amount, the inventory amount being equal to the total bill inventory amount minus the value of the arranged payment bill amount;

[0141] a first comparison module for comparing whether the bill inventory amount is greater than zero, the available bill inventory amount being the bill inventory amount greater than zero;

[0142] a second calculation module for calculating the value of the fund gap;

[0143] a second comparison module for comparing the size between the available bill inventory amount and the value of the fund gap;

[0144] a third calculation module for calculating the bill discount financing cost rate;

[0145] a fourth calculation module for calculating the short-term loan financing cost rate; ​

[0146] The third comparison module is used to compare the bill discounting financing cost rate with the short-term loan financing cost rate.

[0147] The apparatus for operating bill data provided in this application embodiment can execute the above method embodiment, and its implementation principle and technical effect are similar, so it will not be described again here.

[0148] Figure 9 This is a schematic diagram of the structure of a third embodiment of the device for operating bill data provided in this application. This device for operating bill data can be part or all of the aforementioned bill operation system. For example... Figure 9 As shown, the apparatus for operating the invoice data may include: an input device 61, an output device 62, a memory 63, and a processor 64. Optionally, it may also include at least one communication device 65. The communication device 65 is used to realize communication connections between components. The memory 63 may include high-speed RAM memory, and may also include non-volatile memory (NVM), such as at least one disk storage device. The memory 63 may store various programs for performing various processing functions and implementing the method steps of this embodiment. In addition, the input device 61 and output device 62 in this embodiment may be part or all of the client device provided by the invoice operation system to the reimbursement user, and may also be part or all of the computer provided by the invoice operation system to the approval user. The processor 64 may be part or all of the server provided by the invoice operation system for processing, control, and other functions. Optionally, the processor 64 may be, for example, a central processing unit (CPU), or a processing chip that implements the above method embodiments.

[0149] It should be noted that the communication device 65 can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, or an EISA (Extended Industry Standard Architecture) bus, etc. The communication device 65 can be one or more physical lines; when it is multiple physical lines, they can be divided into address buses, data buses, control buses, etc.

[0150] In this embodiment, the input device 61 is used to obtain new bill information provided by the terminal device, including bill information, fund information, and bank interest rate information directly input into the device, and / or obtain the cash flow code of the new business document.

[0151] Optionally, the input device 61 is further configured to obtain the total amount of available bill inventory information, the amount of scheduled payment bill information, and the like.

[0152] Optionally, the input device 61 is further configured to obtain the bill discount financing cost information, the bill discount financing cost information, the bill discount financing cost information, and the like.

[0153] Optionally, the input device 61 is further configured to obtain the bill discount financing cost information, the bill discount financing cost information, the bill discount financing cost information, and the like.

[0154] Optionally, the processor 64 is configured to trigger the generation of the approval invitation voucher according to the cash flow code, and transmit the approval invitation voucher to the terminal device through the communication device, and compare the approval invitation voucher with the pre-prepared voucher to determine whether to execute the bill payment and flow analysis step.

[0155] Optionally, the processor 64 is further configured to perform statistics and analysis on the electronic bill pool.

[0156] Optionally, the processor 64 is further configured to sort the payment score of the to-be-paid amount, calculate the profit and loss amount, and determine whether the profit and loss amount is less than the reserve amount.

[0157] Optionally, the processor 64 is further configured to calculate the bill inventory amount according to the total amount of available bill inventory minus the amount of scheduled payment bill.

[0158] Optionally, the processor 64 is further configured to determine whether the bill inventory amount is greater than zero, and the available bill inventory amount is greater than zero.

[0159] Optionally, the processor 64 is configured to calculate the amount of the fund gap.

[0160] Optionally, the processor 64 is configured to compare the size between the available bill inventory amount and the amount of the fund gap.

[0161] Optionally, the processor 64 is configured to calculate the bill discount financing cost rate.

[0162] Optionally, the processor 64 is configured to calculate the short-term loan financing cost rate.

[0163] Optionally, the processor 64 is configured to compare the size between the bill discount financing cost rate and the short-term loan financing cost rate.

[0164] The memory 63 is further configured to store the accumulated historical bill business information, the existing bill business information, the historical fund gap information, the existing fund defect information, the historical benchmark interest rate information, and the like.

[0165] The memory 63 is further configured to store a large number of vouchers corresponding to cash flow code information of various types of bill business information.

[0166] The memory 63 is further configured to temporarily store available bill inventory amount related information, bill discount financing cost related information and short-term loan financing cost related information.

[0167] The output device 62 is configured to display bill operation lists, and the bill operation plan lists include bill issuance plans, bill discount plans, bill pledge plans and financial bill information.

[0168] The output device 62 is further configured to output approval invitation vouchers for client reception by enterprise approval departments or individuals, so as to approve bill issuance application businesses of employees or individuals.

[0169] The output device 62 is further configured to output prompt information to prompt employees applying for electronic bills to pay attention to the fact that the application businesses have not been approved.

[0170] The output device 62 is further configured to display bill operation plan information, including bill discount plan lists and short-term short-fund plan lists.

[0171] The bill data operation device provided by the embodiment of the present application can execute the method embodiment, and the implementation principle and technical effects are similar, and thus will not be described herein.

[0172] The present application further provides a computer readable storage medium, wherein the computer readable storage medium stores instructions, and when the instructions are executed on a computer, the computer executes the method executed by the bill operation system in the method embodiment.

[0173] The embodiment of the present application further provides a computer program product, which contains instructions, and when the computer program is executed by a computer, the instructions make the computer execute the functions executed by the bill operation system in the method.

[0174] The above-mentioned embodiments can be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented by software, the embodiments can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the processes or functions described in the embodiments of the present application are wholly or partially generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable apparatus. The computer instructions can be stored in a computer-readable storage medium or transferred from one computer-readable storage medium to another. For example, the computer instructions can be transferred from one website, computer, server, or data center to another via wired (such as coaxial cable, optical fiber digital subscriber line DSL) or wireless (such as infrared, wireless, microwave, etc.) manner. The computer-readable storage medium can be any available medium accessible by a computer or a data storage device such as a server, data center, etc. integrated with one or more available media. The available media can be a magnetic medium such as a floppy disk, a hard disk, a magnetic tape, an optical medium (such as a DVD), or a semiconductor medium (such as a solid state disk SSD), etc.

[0175] The above description is merely a preferred specific embodiment of the present application, but the scope of protection of the present application is not limited thereto. Any changes or replacements within the technical scope disclosed in the present application can be easily conceived by those skilled in the art, and should be encompassed within the scope of protection of the present application.

Claims

1. A ticket operation system characterized by comprising: Comprise: An interaction layer, a platform application layer and a technical operation layer; The interaction layer is divided into foreground interaction and middle interaction, the foreground interaction includes Web end and / or APP end, and is used for interaction between an enterprise electronic bill application department and an approval department; The middle interaction is used for operation interaction of a user for processing bills and approval; The platform application layer comprises: a bill collection and payment module connected with the foreground interaction, and a bill display module, and a bill budget module, a fund calculation module, a bill discount cost calculation module and a loan cost calculation module connected with the middle interaction; The bill collection and payment module comprises a procurement bill collection and payment module, a production turnover fund collection and payment module and a power purchase fee collection and payment module according to bill types, and respectively performs statistics on the collection and payment of different types of bills; the bill budget module is used for predicted data of bill collection and predicted data of bill payment, actual execution data of bill collection and bill payment; the fund calculation module is used for statistical data of enterprise fund turnover gap and bank loan fund; the bill display module is used for displaying the flow distribution and proportion of bills under each operating activity obtained by the bill collection and payment module: service procurement, material procurement and power purchase fee payment, respectively statistics on bill collection and payment within a certain period, and is also used for displaying predicted data of bill collection and payment of the bill budget module; the fund calculation module is used for calculating enterprise fund gap, loan fund, mortgage fund and displaying bill discount cost data calculated by the bill cost calculation module, and is also used for displaying bank loan benchmark interest rate calculated by the loan cost calculation module; the bill display module is used for forming a bill collection and payment trend chart and a bill collection and payment balance condition, statistical analysis of new bill, cash, power sales, each business type income and expenditure, month-on-month and year-on-year data, and making a judgment on the change trend of bill collection and payment proportion; The technical operation layer is connected with the platform application layer, and the technical operation layer is divided into: a machine learning module and a bill and loan operation module; the machine learning module is used for learning based on historical data, establishing a corresponding relationship between business language and financial language, identifying business language on a business document as financial language, and identifying the authenticity of an electronic bill, repeated inspection and electronic archiving; the bill and loan operation module is used for comparing data obtained by the bill budget module, the fund calculation module and the bill cost calculation module, according to fund stock in enterprise income pool and payment order demand in enterprise payment pool, combining bill flow analysis results obtained by the bill budget module and respective bill operation modes and each type of bank interest cost information obtained by the bill cost calculation, automatically selecting a bill operation mode / combination mode with the lowest financial bill / maximum enterprise benefit, generating a corresponding bill operation plan list, and displaying the bill operation plan list by the bill display module.

2. A method of operating ticket data, characterized by, Applied to the bill operation system of claim 1, comprising the following steps: obtaining an available bill inventory amount and a fund gap, wherein the available bill inventory amount is a bill inventory amount greater than zero, and the bill inventory amount is equal to a total bill inventory amount minus a value of an arranged payment bill amount; determining whether the available bill inventory amount is less than the fund gap; if yes, performing a step of calculating a bill discount financing cost rate of a current inventory receivable bill discount method and comparing the bill discount financing cost rate with a short-term loan financing cost rate of the same amount; if no, outputting a bill discount plan list; wherein the step of calculating the financing cost rate of the current inventory receivable bill discount method and comparing the financing cost rate with the short-term loan financing cost rate of the same amount comprises: if the bill discount financing cost rate is lower, outputting a bill discount plan list and a short-term loan plan list, and a loan amount is a value of the fund gap minus the bill inventory amount; if the short-term loan financing cost rate is lower, outputting a short-term loan plan list, and a loan amount is the fund gap.

3. The method of claim 2, wherein, the calculation method of the bill discount financing cost rate comprises: obtaining an invoice detail list, the invoice detail list being obtained from an input invoice amount via an invoice plan; determining whether the bill has interest: if no, the bill discount financing cost rate = ∑ (each invoice bill face value × commission rate + total other fees) / ∑ each bill face value, wherein each bill face value is obtained from the input invoice amount; if yes, the bill discount financing cost rate = ∑ (each invoice bill face value × commission rate + total other fees + interest accrued) / ∑ each bill face value, wherein interest accrued = bill face value × coupon rate × accrual days / 360, each bill face value is obtained from the invoice plan, and the accrual days are the number of days from the start date to the expiration date.

4. The method of claim 2, wherein: the short-term loan financing cost rate = (total period interest + total period fee) / weighted average of period fund occupancy, wherein: the total period interest is equal to the total value of the period interest amount; the total period fee = ∑ (total auxiliary fee × actual occupancy days in the period / total financing days), the total financing days are equal to the interval days between the termination date of the fund and the start date of the fund; the weighted average of the fund occupancy = ∑ (principal balance × occupancy days in the period / 360).

5. The method according to any one of claims 2-4, characterized in that, the fund gap is obtained by the following method: obtaining a payment score, the payment score being determined by the amount of the expenditure bill corresponding to different business types; outputting payment scheduling information, the payment scheduling information comprising a plurality of payment items arranged in descending order of the payment score, the payment item with a higher payment score being paid first, and the like; calculating a fund surplus or deficit balance, the fund surplus or deficit balance being calculated from the initial fund inventory, the cumulative receivable amount, the cumulative payable amount paid on schedule, and the cumulative payable amount paid in the period; determining whether the fund surplus or deficit balance is less than the standby amount; if yes, paying each item according to the payment scheduling information, and after each payment is completed, returning to the step of determining whether the fund surplus or deficit balance is less than the standby amount; if no, outputting fund gap information.

6. The method of claim 5, wherein, The step of outputting the payment schedule information specifically comprises: ranking the payment items according to the payment scores from high to low; and calculating the cumulative amount of the payment items that can be executed, the cumulative amount being less than the standby amount; wherein when the superimposed value of the first to nth payment items ranked according to priority is less than the standby amount, and the superimposed value of the first to n+1 payment items ranked according to priority is greater than the standby amount, the superimposed value of the first to nth payment items ranked according to priority is taken as the cumulative amount; and the n+1 payment item and other payment items are carried over to the next month settlement.

7. The method of claim 6, wherein, The total amount of the bill inventory is obtained by the following method: obtaining the cash flow code of the newly added business document; outputting an approval invitation voucher, the approval invitation voucher being triggered to be generated by the cash flow code; obtaining an approval voucher, the approval voucher being generated by the approval invitation voucher; judging whether the approval voucher is the same as the pre-prepared voucher; if yes, performing the bill collection and payment storage and flow analysis step, and if no, outputting a prompt message.

8. The method of claim 7, wherein, The step of performing the bill collection and payment storage and flow analysis comprises: storing the bill business information corresponding to the cash flow code; constructing an electronic bill pool, the electronic bill pool being constructed by cumulatively storing historical bill business information and existing bill business information; outputting the total amount of the bill inventory, the total amount of the bill inventory being obtained by statistical analysis of the electronic bill pool.

9. The method according to any one of claims 6 to 8, characterized in that, Further comprising generating a plurality of invoice application records, the invoice application records being automatically generated according to the amount of bills to be allocated and calling an invoice subprogram.

10. The method of claim 9, wherein, The invoice subprogram comprises the following steps: obtaining the value of the payable bill amount; obtaining the label of the value range of the preset bill amount interval in which the value of the payable bill amount falls; executing a preset invoice instruction according to the label to generate an invoice application record, the invoice application record including invoice quantity information and payment amount information of each bill.

11. A computer readable storage medium, characterized in that, The computer readable storage medium stores instructions, when the instructions are run on the computer, the computer executes the method of any one of claims 2-10.

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