Funds management method and system based on fund card

Abstract

The present invention relates to the technical field of financial data processing, and in particular to a method and system for fund management based on fund cards. By sequentially setting key data features, learning key data feature relevance, key data identification, key data extraction, and key data classification analysis, a fund management system corresponding to the fund card approval management is provided to monitor and approve fund card request and transfer behaviors, thereby realizing intelligent fund approval of fund cards. By converting a single fund request and transfer behavior of a fund card into key data features for one-by-one verification, it is effectively ensured that the fund request of the fund card is within a controlled range, and that the fund card automatically matches and compares various data when requesting and transferring funds, thereby improving the matching efficiency of the fund card request and transfer.

Description

Technical Field

[0001] The present invention relates to the technical field of financial data processing, and in particular to a method and system for managing funds based on a fund card. Background Art

[0002] The online expense management system is an integral part of the financial management information system. Through data sharing and process collaboration between the online expense management system and the budget management system, core account management system, and online banking system, the management of the entire cycle of expense business from budget execution, borrowing, expense reimbursement, and account offset to budget assessment and analysis can be effectively supported. The existing funding approval system and approval method focus more on the assessment of personnel authority and the optimization of the approval process, but there are often low approval efficiency due to the large number of accounting items in the full process approval.

[0003] Chinese Patent Publication No.: CN113673968A discloses an enterprise R&D fund management system, whose data collection module is used to obtain the completion status of the R&D projects of the management object; its evaluation module is used to determine the completion index according to the completion status of the R&D projects; its processing module is used to sort the management objects according to the completion index, and give priority to sorting by the modified completion index; its output module is used to display the sorting results to the user; it can be seen that the enterprise R&D fund management system can undertake part of the analysis work in the management of R&D funds, but it is unable to systematically manage the funds of the entire process, and its compatibility with financial accounting is low. Summary of the invention

[0004] To this end, the present invention provides a method and system for fund management based on fund cards, so as to overcome the problem of low matching efficiency in the prior art when matching and comparing various audit data when requesting and allocating funds.

[0005] To achieve the above objectives, on the one hand, the present invention provides a method for managing expenses based on an expense card, which is characterized by comprising:

[0006] Step S1, setting key data features. The data receiving unit of the fund management system is provided with several key data features corresponding to the fund card in and out account, so as to classify and store the single fund request and transfer behavior information of the fund card;

[0007] Step S2, learning the key data feature association, the data association unit of the fund management system associates a single fund card with the financial accounting subject of the financial system unit according to the purpose of the fund card in the key data feature to obtain a standard parameter of whether the request for payment transfer of the single fund card is approved and a list of approved devices for executing the request for payment transfer of the single fund card;

[0008] Step S3, key data identification, the data identification unit of the fund management system compares the single fund request and transfer execution device information of the single fund card recorded by the data receiving unit with the list of approved devices for request and transfer execution set in the data association unit to determine whether the request for request and transfer of the single fund card can be accepted;

[0009] Step S4, extracting key data. When the data identification unit identifies that the request for payment transfer of the single expense card can be accepted, the data extraction unit of the expense management system compares the key data features of the single expense card stored by the data receiving unit with the standard parameters to determine whether the request for payment transfer of the single expense card is compliant.

[0010] Step S5, key data classification analysis, the analysis unit of the expense management system controls the data extraction unit to perform data statistics on the key data features of the expense card and verify them with standard parameters according to the set period to review the financial information of the expense card.

[0011] Furthermore, in step S1, the data receiving unit is provided with key data features including:

[0012] The target entity of the request for payment is used to mark the transfer execution device that performs the transfer operation on the fund card;

[0013] The payment request subject includes the authority identity information corresponding to the expense card number, which is used to mark the information of the authority person or authority unit corresponding to the expense number of a single expense card;

[0014] The amount of payment requested, which is used to mark the amount of payment requested for the fund card to perform the transfer operation, including the amount of payment requested and the amount of payment requested;

[0015] The expense card type is used to mark the usage of the expense card.

[0016] Further, in step S2, the financial accounting entity is composed of a plurality of accounting units, including internal accounting units and external accounting units corresponding to the types of the expense cards, and a single accounting unit is composed of a plurality of expense cards, and the expense cards in a single accounting unit are of the same expense card type;

[0017] The financial system unit stores the expense card type and payment request subject information of each expense card corresponding to a single accounting unit.

[0018] Further, in the step S2, the data association unit determines to compare with the single accounting unit according to the type of the expense card, and determines whether the comparison matches according to the data conformity of the payment subject information of the single expense card. The data association unit matches the card number of the single expense card with the single payment subject information in the accounting unit and calculates the data conformity a of the payment subject information of the single expense card. The data association unit is provided with a first data integrity A1 and a second data integrity A2, wherein 60%<A1<A2,

[0019] When a<A1, the data association unit determines that the single expense card does not match the accounting unit;

[0020] When A1≤a<A2, the data association unit determines that the matching degree between the single expense card and the accounting unit is low, and the data association unit issues a manual verification prompt to confirm or modify the payment subject information of the single expense card;

[0021] When a≥A2, the data association unit determines that the matching degree between the single expense card and the accounting unit meets the standard, and the data association unit associates the single expense card with the accounting unit, and the association is the corresponding relationship between the accounting unit and the expense card.

[0022] Furthermore, in step S2, after the association between the accounting unit and the expense card is completed, the data association unit obtains the standard parameters of whether the request for payment transfer of each expense card of the accounting unit is approved by the financial system unit and the list of approved payment transfer execution devices for each expense card, and transmits the standard parameters to the data extraction unit, and transmits the list of approved payment transfer execution devices to the data identification unit, wherein:

[0023] The standard parameters include the authorization start time, authorization end time, total payment limit, single payment limit and minimum payment time interval, which are used as the standard for judging the compliance of the payment transfer request of the fund card;

[0024] The list of approved payment transfer execution devices includes information of several payment transfer execution devices, which is used to determine the security of accepting the payment transfer request of the expense card.

[0025] Furthermore, in step S3, the data identification unit obtains the device identification code sa of the payment target subject in the key data feature of the single expense card stored in the data receiving unit and compares sa with the list of approved payment transfer execution devices to determine whether the payment transfer request of a single expense card can be accepted. The data identification unit is provided with a device identification code set SI corresponding to each payment transfer execution device information, wherein SI={si}, si is a single device identification code and si uniquely corresponds to a single payment transfer execution device information.

[0026] When sa∈SI, the data identification unit determines that the request for payment transfer of a single expense card is accepted, and the data identification unit controls the data extraction unit to determine whether the request for payment transfer of a single expense card is compliant;

[0027] when When the data identification unit determines that the request for payment transfer of the single expense card is rejected, the data identification unit sends a payment transfer rejection notification to the transfer execution device corresponding to the device identification code sa and controls the data receiving unit to mark the request for payment transfer of the single expense card as rejected.

[0028] Furthermore, in step S4, when the request for payment transfer is accepted, the data extraction unit extracts all payment receipts and payments data in the expense card corresponding to the request for payment transfer and calculates the total amount of historical payment requests ga of the expense card before the request for payment transfer of the single expense card, and compares ga with the total payment request limit to preliminarily determine whether the request for payment transfer of the single expense card is compliant. The data extraction unit is provided with a total payment request limit GMAX, wherein GMAX>0,

[0029] If ga<GMAX, the data extraction unit determines that the amount of the single expense card payment request is compliant, and the data extraction unit determines the frequency compliance of the current payment request based on the interval between the current payment request and the previous payment request of the expense card;

[0030] If ga≥GMAX, the data extraction unit determines that the amount of the single expense card request for payment transfer is not compliant, and the data extraction unit sends a payment transfer rejection notice to the corresponding transfer execution device and controls the data receiving unit to mark the single expense card request for payment transfer as over-limit.

[0031] Furthermore, in step S4, the data extraction unit determines the frequency compliance of the current payment request based on the interval time ti between the current payment request and the previous payment request on the expense card. The data extraction unit is set with a minimum payment request time interval T1, where 0<T1<T2,

[0032] When ti<T1, the data extraction unit determines that the frequency of the request for payment transfer of the single expense card is not in compliance with the regulations, the data extraction unit sends a request for payment transfer rejection notice to the corresponding transfer execution device and controls the data receiving unit to mark the request for payment transfer of the single expense card as over-frequency;

[0033] When T1≤ti, the data extraction unit determines that the frequency of the single expense card request for payment transfer is compliant, and the data extraction unit determines the single payment limit for this payment request based on ti to determine the compliance of the amount of the expense card request for payment transfer.

[0034] Furthermore, in the step S4, the data extraction unit determines the single payment limit of this payment request according to the difference percentage f between ti and the standard payment request time interval, and the data extraction unit is provided with the standard payment request time interval T2, the difference percentage standard F, the first payment adjustment coefficient k1 and the second payment adjustment coefficient k2, wherein 0<T1<T2, 0<k1<k2<1, 0<F<50%,

[0035] When ti≤T2, the data extraction unit sets f=(T2-ti) / T2×100%,

[0036] If f>F, the data extraction unit determines that the payment request time is within the first time interval and uses the first payment adjustment coefficient k1 to calculate the single payment request limit, and the adjusted single payment request limit is recorded as GTi, and GTi=GT×k1;

[0037] If f≤F, the data extraction unit determines that the payment request time is within the second time interval and uses the second payment adjustment coefficient k2 to calculate the single payment request limit, setting GTi=GT×k2;

[0038] When ti>T2, the data extraction unit sets f=(ti-T2) / T2×100%,

[0039] If f≤F, the data extraction unit determines that the payment request time is in the third time interval and uses the first payment adjustment coefficient k2 to calculate the single payment request limit, setting GTi=GT×(2-k2);

[0040] If f>F, the data extraction unit determines that the payment request time is in the fourth time interval and uses the first payment adjustment coefficient k1 to calculate the single payment request limit, setting GTi=GT×(2-k1).

[0041] On the other hand, the present invention provides a fund management system applied to the above-mentioned fund management method based on fund card, comprising:

[0042] A financial system unit, which is used to record various financial information and calculate financial data. The financial system unit is provided with a financial accounting subject, standard parameters for requesting payment and transfer corresponding to the financial accounting subject, and a list of approved devices for executing requesting payment and transfer;

[0043] A data receiving unit, which is connected to the settlement device and the bank's online banking system, is used to receive the expense request and transfer behavior information of each expense card and convert the expense request and transfer behavior information of the expense card into key data features of the expense card;

[0044] A data association unit, which is connected to the data receiving unit and the financial system unit respectively, and is used to associate the expense card with the financial accounting subject of the financial system unit to obtain standard parameters of whether the request for payment transfer of a single expense card is approved and a list of approved devices for executing the request for payment transfer of a single expense card;

[0045] a data identification unit, which is connected to the data receiving unit and the data association unit respectively, and is used to compare the single expense request and transfer execution device information of the single expense card recorded by the data receiving unit with the list of approved payment transfer execution devices to determine whether the single expense card request and transfer request can be accepted;

[0046] A data extraction unit, which is connected to the data receiving unit, the data association unit and the data identification unit respectively, and is used to compare the key data features of the expense card with the standard parameters to determine the compliance of the single expense card request for payment transfer;

[0047] The analysis unit is respectively connected to the data receiving unit, the data association unit, the data identification unit and the data extraction unit, and is used to control the data extraction unit to perform data statistics on key data features of the expense card and to verify them with standard parameters according to a set period to review the financial information of the expense card.

[0048] Compared with the prior art, the beneficial effect of the present invention lies in that the fund management method based on the fund card of the present invention realizes intelligent fund approval for the fund card by sequentially setting key data features, learning the correlation of key data features, key data identification, key data extraction and key data classification analysis, and converts the single fund request and transfer behavior of the fund card into key data features for one-by-one verification, thereby effectively ensuring that the fund request of the fund card is within a controlled range, ensuring that the fund card automatically matches and compares various data when making a request and transfer, thereby improving the request and matching efficiency of the fund card.

[0049] Furthermore, the data receiving unit of the present invention is provided with key data features to divide the data features of the expense card. By setting the key data features with a request target subject to mark the transfer execution device that performs the transfer operation on the expense card, setting a request subject to mark the information of the authorized person or authorized unit corresponding to the expense number of a single expense card, a request receipt and payment amount to mark the request amount for the transfer operation performed by the expense card, and a expense card type to mark the purpose of use of the expense card, the expense usage of the expense card is effectively limited, the matching efficiency in the subsequent expense card request review is improved, and it is ensured that various data of the expense card can be stored by the data receiving unit.

[0050] Furthermore, the financial accounting subject of the present invention is composed of a plurality of accounting units, and the information of a single expense card is set through the accounting unit. By comparing the single expense card with the accounting unit, the data range of the financial accounting is formed, thereby ensuring that the expense usage of the expense card is within the accounting unit of the financial system unit, avoiding the phenomenon of missed accounting in the expense card management, and further ensuring that the expense card request matching has a matching basis.

[0051] Furthermore, the present invention determines whether a comparison matches based on the degree of data conformity of the payment subject information of a single expense card, and determines the degree of data conformity of the payment subject information of the expense card by setting a data integrity standard, thereby ensuring that the expense card is in a determined accounting unit when confirming the payment request, ensuring the validity of the subsequent matching standard parameters and the list of approved devices for payment transfer execution, and further improving the payment request matching efficiency of the expense card.

[0052] Furthermore, after completing the association between the accounting unit and the expense card, the data association unit of the present invention obtains the standard parameters of whether the request for payment transfer of each expense card of the accounting unit is approved by the financial system unit, as well as the list of approved devices for executing payment transfer of a single expense card, thereby effectively ensuring that the payment judgment standard for the expense card is consistent with the actual use of the expense card, further improving the efficiency of matching the payment request of the expense card.

[0053] Furthermore, the data identification unit of the present invention obtains the device identification code sa of the target subject of the single expense card key data feature stored in the data receiving unit and compares sa with the list of approved devices for executing the expense card transfer to determine whether the expense card expense card request can be accepted. By identifying and determining the transfer execution device for the single expense card expense card request, it is ensured that the expense card expense card request operation is performed in the authorized transfer execution device, thereby improving the security of the expense card expense card request. By identifying the transfer execution device, it is further effectively possible to eliminate the expense card expense card request outside the authorization without identifying the expense card request amount information, thereby further improving the expense card expense card request matching efficiency.

[0054] Furthermore, the data extraction unit of the present invention extracts all payment receipts and payments data in the expense card corresponding to the payment request and calculates the historical total payment amount ga of the expense card before the payment request of the single expense card and compares ga with the total payment limit to preliminarily determine whether the payment request of the single expense card is compliant. By first determining the historical total payment amount ga, the actual use process of the expense card is understood, and the situation that the total payment exceeds the limit due to a single payment approval is avoided, thereby ensuring the integrity of the payment request and transfer approval of the expense card.

[0055] Furthermore, the data extraction unit of the present invention determines the frequency compliance of the current payment request based on the interval time ti between the current payment request and the previous payment request on the expense card. By determining the payment request frequency, the mismatch between the project progress and the payment request progress caused by multiple payment requests in a short period of time is avoided, and it is ensured that the approval of the payment request and allocation of the expense card can take into account the entire use cycle of the expense card.

[0056] Furthermore, the data extraction unit of the present invention determines the single payment limit of this payment request based on the difference percentage f between ti and the standard payment request time interval, and further adjusts the single payment limit to make the use of funds on the fund card consistent with its payment cycle. Moreover, through the difference percentage f between ti and the standard payment request time interval, the single payment limit can be adjusted so that the payment request on the fund card does not need to be completely consistent with the standard payment request time interval, so that the payment request and transfer operation of the fund card has a certain degree of mobility without the need for cumbersome declaration and approval, thereby further improving the payment request matching efficiency of the fund card. BRIEF DESCRIPTION OF THE DRAWINGS

[0057] Figure 1 A step diagram of the expense card-based expense management method of the present invention;

[0058] Figure 2 It is a structural diagram of the fund management system of the present invention;

[0059] Figure 3 The present invention is a logic diagram for approving a single fund request and transfer for a fund card according to an embodiment of the present invention. DETAILED DESCRIPTION

[0060] In order to make the objects and advantages of the present invention more clearly understood, the present invention is further described below in conjunction with embodiments; it should be understood that the specific embodiments described herein are only used to explain the present invention and are not used to limit the present invention.

[0061] The preferred embodiments of the present invention are described below with reference to the accompanying drawings. It should be understood by those skilled in the art that these embodiments are only used to explain the technical principles of the present invention and are not intended to limit the protection scope of the present invention.

[0062] It should be noted that, in the description of the present invention, terms such as "up", "down", "left", "right", "inside" and "outside" indicating directions or positional relationships are based on the directions or positional relationships shown in the drawings. This is merely for the convenience of description and does not indicate or imply that the device or element must have a specific orientation, be constructed and operated in a specific orientation. Therefore, it cannot be understood as a limitation on the present invention.

[0063] In addition, it should be noted that in the description of the present invention, unless otherwise clearly specified and limited, the terms "installed", "connected", and "connected" should be understood in a broad sense, for example, it can be a fixed connection, a detachable connection, or an integral connection; it can be a mechanical connection or an electrical connection; it can be a direct connection, or it can be indirectly connected through an intermediate medium, or it can be the internal communication of two components. For those skilled in the art, the specific meanings of the above terms in the present invention can be understood according to specific circumstances.

[0064] See also Figure 1 As shown, it is a step diagram of the expense management method based on the expense card of the present invention. The present invention provides an expense management method based on the expense card, which is characterized by comprising:

[0065] Step S1, setting key data features. The data receiving unit of the fund management system is provided with several key data features corresponding to the fund card in and out account, so as to classify and store the single fund request and transfer behavior information of the fund card;

[0066] Step S2, learning the key data feature association, the data association unit of the fund management system associates a single fund card with the financial accounting subject of the financial system unit according to the purpose of the fund card in the key data feature to obtain a standard parameter of whether the request for payment transfer of the single fund card is approved and a list of approved devices for executing the request for payment transfer of the single fund card;

[0067] Step S3, key data identification, the data identification unit of the fund management system compares the single fund request and transfer execution device information of the single fund card recorded by the data receiving unit with the list of approved devices for request and transfer execution set in the data association unit to determine whether the request for request and transfer of the single fund card can be accepted;

[0068] Step S4, extracting key data. When the data identification unit identifies that the request for payment transfer of the single expense card can be accepted, the data extraction unit of the expense management system compares the key data features of the single expense card stored by the data receiving unit with the standard parameters to determine whether the request for payment transfer of the single expense card is compliant.

[0069] Step S5, key data classification analysis, the analysis unit of the expense management system controls the data extraction unit to perform data statistics on the key data features of the expense card and verify them with standard parameters according to the set period to review the financial information of the expense card.

[0070] The expense management method based on the expense card of the present invention realizes intelligent expense approval for the expense card by sequentially setting key data features, learning the correlation of key data features, key data identification, key data extraction and key data classification analysis. By converting a single expense request and transfer behavior of the expense card into key data features for one-by-one verification, it effectively ensures that the expense request of the expense card is within a controlled range, ensures that the expense card automatically matches and compares various data when requesting and transferring, and improves the expense request matching efficiency of the expense card.

[0071] Specifically, in step S1, the data receiving unit is provided with key data features including:

[0072] The target entity of the request for payment is used to mark the transfer execution device that performs the transfer operation on the fund card, including internal fund centralized equipment and external fund centralized equipment;

[0073] The payment request subject includes the authority identity information corresponding to the expense card number, which is used to mark the information of the authority person or authority unit corresponding to the expense number of a single expense card;

[0074] The amount of payment requested, which is used to mark the amount of payment requested for the fund card to perform the transfer operation, including the amount of payment requested and the amount of payment requested;

[0075] The type of budget card is used to mark the usage of the budget card, including internal budget card and external budget card.

[0076] The internal budget card is included in the internal budget fund management, including a number of funding cards corresponding to various departments;

[0077] The external budget card is included in the external budget fund management, including external project funding cards and other project funding cards.

[0078] The data receiving unit of the present invention is provided with key data features to divide the data features of the expense card. By setting the key data features with a payment request target subject to mark the transfer execution device that performs the transfer operation on the expense card, setting a payment request subject to mark the information of the authorized person or authorized unit corresponding to the expense number of a single expense card, a payment request receipt and payment amount to mark the payment request amount for the transfer operation performed by the expense card, and a expense card type to mark the use purpose of the expense card, the expense usage of the expense card is effectively limited, the matching efficiency in the subsequent expense card payment request review is improved, and it is ensured that various data of the expense card can be stored by the data receiving unit.

[0079] Specifically, in step S2, the financial accounting entity is composed of a plurality of accounting units, including internal accounting units and external accounting units corresponding to the expense card types, and a single accounting unit is composed of a plurality of expense cards, and the expense cards in a single accounting unit are of the same expense card type;

[0080] The financial system unit stores the expense card type and payment request subject information of each expense card corresponding to a single accounting unit.

[0081] The financial accounting subject of the present invention is composed of a plurality of accounting units, and the information of a single expense card is set through the accounting unit. By comparing the single expense card with the accounting unit, the data range of the financial accounting is formed, which ensures that the expense usage of the expense card is within the accounting unit of the financial system unit, avoids the phenomenon of missed accounting in the expense card management, and further ensures that the expense card request matching has a matching basis.

[0082] Specifically, in step S2, the data association unit determines to compare with the single accounting unit according to the type of the expense card, and determines whether the comparison matches according to the data conformity of the payment subject information of the single expense card. The data association unit matches the card number of the single expense card with the single payment subject information in the accounting unit and calculates the data conformity a of the payment subject information of the single expense card. The data association unit is provided with a first data integrity A1 and a second data integrity A2, wherein 60%<A1<A2,

[0083] When a<A1, the data association unit determines that the single expense card does not match the accounting unit;

[0084] When A1≤a<A2, the data association unit determines that the matching degree between the single expense card and the accounting unit is low, and the data association unit issues a manual verification prompt to confirm or modify the payment subject information of the single expense card;

[0085] When a≥A2, the data association unit determines that the matching degree between the single expense card and the accounting unit meets the standard, and the data association unit associates the single expense card with the accounting unit, and the association is the corresponding relationship between the accounting unit and the expense card.

[0086] The present invention determines whether a comparison matches based on the degree of data conformity of the payment subject information of a single expense card, and determines the degree of data conformity of the payment subject information of the expense card by setting a data integrity standard, thereby ensuring that the expense card is in a determined accounting unit when confirming the payment request, ensuring the validity of the subsequent matching standard parameters and the list of approved devices for payment transfer execution, and further improving the payment request matching efficiency of the expense card.

[0087] Specifically, in step S2, after the association between the accounting unit and the expense card is completed, the data association unit obtains the standard parameters of whether the request for payment transfer of each expense card of the accounting unit is approved by the financial system unit and the list of approved devices for payment transfer execution of a single expense card, and transmits the standard parameters to the data extraction unit, and transmits the list of approved devices for payment transfer execution to the data identification unit, wherein,

[0088] The standard parameters include the authorization start time, authorization end time, total payment limit, single payment limit and minimum payment time interval, which are used as the standard for judging the compliance of the payment transfer request of the fund card;

[0089] The list of approved payment transfer execution devices includes information of several payment transfer execution devices, which is used to determine the security of accepting the payment transfer request of the expense card.

[0090] After completing the association between the accounting unit and the expense card, the data association unit of the present invention obtains the standard parameters of whether the request for payment transfer of each expense card of the accounting unit is approved by the financial system unit, as well as the list of approved devices for executing payment transfer of a single expense card, thereby effectively ensuring that the payment judgment standard for the expense card is consistent with the actual use of the expense card, and further improving the efficiency of matching the payment request of the expense card.

[0091] Specifically, in step S3, the data identification unit obtains the device identification code sa of the payment target subject in the key data features of a single expense card stored in the data receiving unit and compares sa with the list of approved payment transfer execution devices to determine whether the payment transfer request of a single expense card can be accepted. The data identification unit is provided with a device identification code set SI corresponding to each payment transfer execution device information, wherein SI={si}, si is a single device identification code and si uniquely corresponds to a single payment transfer execution device information.

[0092] When sa∈SI, the data identification unit determines that the request for payment transfer of a single expense card is accepted, and the data identification unit controls the data extraction unit to determine whether the request for payment transfer of a single expense card is compliant;

[0093] when When the data identification unit determines that the request for payment transfer of the single expense card is rejected, the data identification unit sends a payment transfer rejection notification to the transfer execution device corresponding to the device identification code sa and controls the data receiving unit to mark the request for payment transfer of the single expense card as rejected.

[0094] The data identification unit of the present invention obtains the device identification code sa of the payment target subject in the key data features of a single expense card stored in the data receiving unit and compares sa with the list of approved payment transfer execution devices to determine whether the payment transfer request of a single expense card can be accepted. By identifying and judging the transfer execution device of the single payment request of the expense card, it is ensured that the payment request operation of the expense card is carried out in the transfer execution device with authority, thereby improving the payment security of the expense card. By identifying the transfer execution device, it is further effectively possible to eliminate the payment request of the expense card outside the authority without identifying its payment amount information, thereby further improving the payment matching efficiency of the expense card.

[0095] Specifically, in step S4, when the request for payment transfer is accepted, the data extraction unit extracts all payment receipts and payments data in the expense card corresponding to the request for payment transfer and calculates the total amount of historical payment requests ga of the expense card before the request for payment transfer of the single expense card, and compares ga with the total payment request limit to preliminarily determine whether the request for payment transfer of the single expense card is compliant. The data extraction unit is set with a total payment request limit GMAX, where GMAX>0.

[0096] If ga<GMAX, the data extraction unit determines that the amount of the single expense card payment request is compliant, and the data extraction unit determines the frequency compliance of the current payment request based on the interval between the current payment request and the previous payment request of the expense card;

[0097] If ga≥GMAX, the data extraction unit determines that the amount of the single expense card request for payment transfer is not compliant, and the data extraction unit sends a payment transfer rejection notice to the corresponding transfer execution device and controls the data receiving unit to mark the single expense card request for payment transfer as over-limit.

[0098] The data extraction unit of the present invention extracts all payment receipts and payments data in the expense card corresponding to the payment request and calculates the historical total payment amount ga of the expense card before the payment request of the single expense card, and compares ga with the total payment limit to preliminarily determine whether the payment request of the single expense card is compliant. By first determining the historical total payment amount ga, the actual use process of the expense card is understood, and the situation that the total payment exceeds the limit due to a single payment approval is avoided, thereby ensuring the integrity of the payment request and transfer approval of the expense card.

[0099] Specifically, in step S4, the data extraction unit determines the frequency compliance of the current payment request based on the interval time ti between the current payment request and the previous payment request on the expense card. The data extraction unit is set with a minimum payment request time interval T1, where 0<T1<T2,

[0100] When ti<T1, the data extraction unit determines that the frequency of the request for payment transfer of the single expense card is not in compliance with the regulations, the data extraction unit sends a request for payment transfer rejection notice to the corresponding transfer execution device and controls the data receiving unit to mark the request for payment transfer of the single expense card as over-frequency;

[0101] When T1≤ti, the data extraction unit determines that the frequency of the single expense card request for payment transfer is compliant, and the data extraction unit determines the single payment limit for this payment request based on ti to determine the compliance of the amount of the expense card request for payment transfer.

[0102] The data extraction unit of the present invention determines the frequency compliance of the current payment request based on the interval time ti between the current payment request and the previous payment request on the expense card. By determining the payment request frequency, the mismatch between the project progress and the payment request progress caused by multiple payment requests in a short period of time is avoided, and it is ensured that the approval of the payment request and allocation of the expense card can take into account the entire use cycle of the expense card.

[0103] Specifically, in step S4, the data extraction unit determines the single payment limit of this payment request according to the difference percentage f between ti and the standard payment request time interval, and the data extraction unit is provided with the standard payment request time interval T2, the difference percentage standard F, the first payment adjustment coefficient k1 and the second payment adjustment coefficient k2, wherein 0<T1<T2, 0<k1<k2<1, 0<F<50%,

[0104] When ti≤T2, the data extraction unit sets f=(T2-ti) / T2×100%,

[0105] If f>F, the data extraction unit determines that the payment request time is within the first time interval and uses the first payment adjustment coefficient k1 to calculate the single payment request limit, and the adjusted single payment request limit is recorded as GTi, and GTi=GT×k1;

[0106] If f≤F, the data extraction unit determines that the payment request time is within the second time interval and uses the second payment adjustment coefficient k2 to calculate the single payment request limit, setting GTi=GT×k2;

[0107] When ti>T2, the data extraction unit sets f=(ti-T2) / T2×100%,

[0108] If f≤F, the data extraction unit determines that the payment request time is in the third time interval and uses the first payment adjustment coefficient k2 to calculate the single payment request limit, setting GTi=GT×(2-k2);

[0109] If f>F, the data extraction unit determines that the payment request time is in the fourth time interval and uses the first payment adjustment coefficient k1 to calculate the single payment request limit, setting GTi=GT×(2-k1).

[0110] The data extraction unit of the present invention determines the single payment limit of this payment request according to the difference percentage f between ti and the standard payment request time interval, and further adjusts the single payment limit to make the use of funds on the fund card conform to its payment cycle. Moreover, by adjusting the difference percentage f between ti and the standard payment request time interval, the single payment limit can be adjusted so that the payment request on the fund card does not need to be completely consistent with the standard payment request time interval, so that the payment request and transfer operation of the fund card has a certain degree of mobility without the need for cumbersome declaration and approval, and further improves the payment request matching efficiency of the fund card.

[0111] See also Figure 2 As shown, it is a structural block diagram of the intelligent management system of the present invention. The present invention provides a fund management system applied to the above-mentioned fund management method based on the fund card, including:

[0112] A financial system unit, which is used to record various financial information and calculate financial data. The financial system unit is provided with a financial accounting subject, standard parameters for requesting payment and transfer corresponding to the financial accounting subject, and a list of approved devices for executing requesting payment and transfer;

[0113] A data receiving unit, which is connected to the settlement device and the bank's online banking system, is used to receive the expense request and transfer behavior information of each expense card and convert the expense request and transfer behavior information of the expense card into key data features of the expense card;

[0114] A data association unit, which is connected to the data receiving unit and the financial system unit respectively, and is used to associate the expense card with the financial accounting subject of the financial system unit to obtain standard parameters of whether the request for payment transfer of a single expense card is approved and a list of approved devices for executing the request for payment transfer of a single expense card;

[0115] a data identification unit, which is connected to the data receiving unit and the data association unit respectively, and is used to compare the single expense request and transfer execution device information of the single expense card recorded by the data receiving unit with the list of approved payment transfer execution devices to determine whether the single expense card request and transfer request can be accepted;

[0116] A data extraction unit, which is connected to the data receiving unit, the data association unit and the data identification unit respectively, and is used to compare the key data features of the expense card with the standard parameters to determine the compliance of the single expense card request for payment transfer;

[0117] The analysis unit is respectively connected to the data receiving unit, the data association unit, the data identification unit and the data extraction unit, and is used to control the data extraction unit to perform data statistics on key data features of the expense card and to verify them with standard parameters according to a set period to review the financial information of the expense card.

[0118] By setting up an intelligent management system corresponding to the expense card approval management to monitor and approve the expense card request and allocation behavior, the expense card request and approval can be effectively connected to the financial system to correspond to the approval operation within the specified accounting unit, ensuring the consistency of the standards of financial approval and expense card approval data. In addition, by associating financial data with expense card approval data, the expense card data can be compounded by setting data features for financial accounting, further realizing the correspondence between financial accounting and expense card request information.

[0119] Example:

[0120] This embodiment provides a fund management system, wherein the data receiving unit is provided with a basic dictionary for matching with key data features, including:

[0121] The accounting unit dictionary is the smallest unit of cost accounting. The accounting units are divided by departments, and one department is regarded as an accounting unit.

[0122] Accounting category dictionary, which categorizes the work of financial accounting;

[0123] Income summary dictionary, used to fill in when entering income on the expense card, briefly summarizes the reason for income entry;

[0124] Expenditure summary dictionary, used to fill in when entering expenditure on the expense card, briefly recording the reasons for expenditure entry;

[0125] Funding card category dictionary, used to describe the usage of funding cards, such as scientific research project funds, natural fund funds, graduate student funds, department internal funds, etc.

[0126] See also Figure 3 , which is a logic diagram of a single expense request and transfer approval of an expense card in an embodiment of the present invention. In this embodiment, the expense card request and payment approval in the expense card-based expense management method adopts the following steps, including:

[0127] Step 1: Obtain the expense card type and authority identity information of the expense card to correspond to the unique accounting unit;

[0128] Step 2: Obtain the expense card identity information stored in the accounting unit and match it with the expense card authority information corresponding to the payment request and transfer operation to determine the matching degree of the expense card for the payment request and transfer operation;

[0129] Step 3: If the match is valid, obtain the standard parameters of the fund card and the list of approved equipment for requesting payment transfers; if the match is invalid, make manual corrections;

[0130] Step 4: Determine whether the transfer execution device corresponding to the request for payment transfer operation is approved according to the list of approved devices for request for payment transfer execution;

[0131] Step 5: If the application is not approved, the payment request will be rejected; if the application is approved, the application will be approved based on whether the standard parameters are met;

[0132] Step six, when the parameter standards are met, a confirmation message for the request for payment will be issued so that the payment execution device can complete the request for payment from the fund card.

[0133] So far, the technical solutions of the present invention have been described in conjunction with the preferred embodiments shown in the accompanying drawings. However, it is easy for those skilled in the art to understand that the protection scope of the present invention is obviously not limited to these specific embodiments. Without departing from the principle of the present invention, those skilled in the art can make equivalent changes or substitutions to the relevant technical features, and the technical solutions after these changes or substitutions will fall within the protection scope of the present invention.

[0134] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A method for managing expenses based on an expense card, characterized in that: include: Step S1, setting key data features. The data receiving unit of the fund management system is provided with several key data features corresponding to the fund card in and out account, so as to classify and store the single fund request and transfer behavior information of the fund card; Step S2, learning the key data feature association, the data association unit of the fund management system associates a single fund card with the financial accounting subject of the financial system unit according to the purpose of the fund card in the key data feature to obtain a standard parameter of whether the request for payment transfer of the single fund card is approved and a list of approved devices for executing the request for payment transfer of the single fund card; Step S3, key data identification, the data identification unit of the fund management system compares the single fund request and transfer execution device information of the single fund card recorded by the data receiving unit with the list of approved devices for request and transfer execution set in the data association unit to determine whether the request for request and transfer of the single fund card can be accepted; Step S4, extracting key data. When the data identification unit identifies that the request for payment transfer of the single expense card can be accepted, the data extraction unit of the expense management system compares the key data features of the single expense card stored by the data receiving unit with the standard parameters to determine whether the request for payment transfer of the single expense card is compliant. Step S5, key data classification analysis, the analysis unit of the expense management system controls the data extraction unit to perform data statistics on each key data feature of the expense card and verify it with standard parameters to review the financial information of the expense card according to a set period; In the step S1, the data receiving unit is provided with key data features including: The target entity for requesting payment, which is used to mark the transfer execution device that performs the transfer operation on the fund card, including internal fund centralized equipment and external fund centralized equipment; The payment request subject includes the authority identity information corresponding to the expense card number, which is used to mark the information of the authority person or authority unit corresponding to the expense number of a single expense card; The amount of payment requested, which is used to mark the amount of payment requested for the fund card to perform the transfer operation, including the amount of payment requested and the amount of payment requested; The type of budget card is used to mark the purpose of the budget card, including internal budget card and external budget card; In step S2, the financial accounting entity is composed of a plurality of accounting units, including internal accounting units and external accounting units corresponding to the types of the expense cards, and a single accounting unit is composed of a plurality of expense cards, and the expense cards in a single accounting unit are of the same expense card type; The financial system unit stores the expense card type and payment request subject information of each expense card corresponding to a single accounting unit; The data association unit determines to compare with the single accounting unit according to the type of the expense card, and determines whether the comparison matches according to the data conformity of the payment subject information of the single expense card. The data association unit matches the card number of the single expense card with the single payment subject information in the accounting unit and calculates the data conformity a of the payment subject information of the single expense card. The data association unit is provided with a first data integrity A1 and a second data integrity A2, wherein 60%<A1<A2, When a<A1, the data association unit determines that the single expense card does not match the accounting unit; When A1≤a<A2, the data association unit determines that the matching degree between the single expense card and the accounting unit is low, and the data association unit issues a manual verification prompt to confirm or modify the payment subject information of the single expense card; When a≥A2, the data association unit determines that the matching degree between the single expense card and the accounting unit meets the standard, and the data association unit associates the single expense card with the accounting unit, and the association is the corresponding relationship between the accounting unit and the expense card.

2. The expense card-based expense management method according to claim 1, characterized in that: In the step S1, the data receiving unit is provided with key data features including: The target entity of the request for payment is used to mark the transfer execution device that performs the transfer operation on the fund card; The payment request subject includes the authority identity information corresponding to the expense card number, which is used to mark the information of the authority person or authority unit corresponding to the expense number of a single expense card; The amount of payment requested, which is used to mark the amount of payment requested for the fund card to perform the transfer operation, including the amount of payment requested and the amount of payment requested; The expense card type is used to mark the usage of the expense card.

3. The expense card-based expense management method according to claim 2, characterized in that: In step S2, the financial accounting entity is composed of a plurality of accounting units, including internal accounting units and external accounting units corresponding to the types of the expense cards, and a single accounting unit is composed of a plurality of expense cards, and the expense cards in a single accounting unit are of the same expense card type; The financial system unit stores the expense card type and payment request subject information of each expense card corresponding to a single accounting unit.

4. The expense card-based expense management method according to claim 3, characterized in that: In the step S2, the data association unit determines to compare with the single accounting unit according to the type of the expense card, and determines whether the comparison matches according to the data conformity of the payment subject information of the single expense card. The data association unit matches the card number of the single expense card with the single payment subject information in the accounting unit and calculates the data conformity a of the payment subject information of the single expense card. The data association unit is provided with a first data integrity A1 and a second data integrity A2, wherein 60%<A1<A2, When a<A1, the data association unit determines that the single expense card does not match the accounting unit; When A1≤a<A2, the data association unit determines that the matching degree between the single expense card and the accounting unit is low, and the data association unit issues a manual verification prompt to confirm or modify the payment subject information of the single expense card; When a≥A2, the data association unit determines that the matching degree between the single expense card and the accounting unit meets the standard, and the data association unit associates the single expense card with the accounting unit, and the association is the corresponding relationship between the accounting unit and the expense card.

5. The expense card-based expense management method according to claim 4, characterized in that: In step S2, after the association between the accounting unit and the expense card is completed, the data association unit obtains the standard parameters of whether the request for payment transfer of each expense card of the accounting unit is approved by the financial system unit and the list of approved payment transfer execution devices for each expense card, and transmits the standard parameters to the data extraction unit, and transmits the list of approved payment transfer execution devices to the data identification unit, wherein: The standard parameters include the authorization start time, authorization end time, total payment limit, single payment limit and minimum payment time interval, which are used as the standard for judging the compliance of the payment transfer request of the fund card; The list of approved payment transfer execution devices includes information of several payment transfer execution devices, which is used to determine the security of accepting the payment transfer request of the expense card.

6. The expense card-based expense management method according to claim 5, characterized in that: In step S3, the data identification unit obtains the device identification code sa of the payment target subject in the key data features of the single expense card stored in the data receiving unit and compares sa with the list of approved payment transfer execution devices to determine whether the payment transfer request of a single expense card can be accepted. The data identification unit is provided with a device identification code set SI corresponding to each payment transfer execution device information, wherein SI={si}, si is a single device identification code and si uniquely corresponds to a single payment transfer execution device information. When sa∈SI, the data identification unit determines that the request for payment transfer of a single expense card is accepted, and the data identification unit controls the data extraction unit to determine whether the request for payment transfer of a single expense card is compliant; when When the data identification unit determines that the request for payment transfer of the single expense card is rejected, the data identification unit sends a payment transfer rejection notification to the transfer execution device corresponding to the device identification code sa and controls the data receiving unit to mark the request for payment transfer of the single expense card as rejected.

7. The expense card-based expense management method according to claim 6, characterized in that: In step S4, when the request for payment transfer is accepted, the data extraction unit extracts all payment receipts and payments data in the expense card corresponding to the request for payment transfer and calculates the total amount of historical payment requests ga of the expense card before the request for payment transfer of the single expense card and compares ga with the total payment request limit to preliminarily determine whether the request for payment transfer of the single expense card is compliant. The data extraction unit is set with a total payment request limit GMAX, where GMAX>0. If ga<GMAX, the data extraction unit determines that the amount of the single expense card payment request is compliant, and the data extraction unit determines the frequency compliance of the current payment request based on the interval between the current payment request and the previous payment request of the expense card; If ga≥GMAX, the data extraction unit determines that the amount of the single expense card request for payment transfer is not compliant, and the data extraction unit sends a payment transfer rejection notice to the corresponding transfer execution device and controls the data receiving unit to mark the single expense card request for payment transfer as over-limit.

8. The expense card-based expense management method according to claim 7, characterized in that: In step S4, the data extraction unit determines the frequency compliance of the current payment request based on the interval time ti between the current payment request and the previous payment request on the expense card. The data extraction unit is set with a minimum payment request time interval T1, where 0<T1<T2. When ti<T1, the data extraction unit determines that the frequency of the request for payment transfer of the single expense card is not in compliance with the regulations, the data extraction unit sends a request for payment transfer rejection notice to the corresponding transfer execution device and controls the data receiving unit to mark the request for payment transfer of the single expense card as over-frequency; When T1≤ti, the data extraction unit determines that the frequency of the single expense card request for payment transfer is compliant, and the data extraction unit determines the single payment limit for this payment request based on ti to determine the compliance of the amount of the expense card request for payment transfer.

9. The expense card-based expense management method according to claim 8, characterized in that: In step S4, the data extraction unit determines the single payment limit of this payment request according to the difference percentage f between ti and the standard payment request time interval, and the data extraction unit is provided with the standard payment request time interval T2, the difference percentage standard F, the first payment adjustment coefficient k1 and the second payment adjustment coefficient k2, wherein 0<T1<T2, 0<k1<k2<1, 0<F<50%, When ti≤T2, the data extraction unit sets f=(T2-ti) / T2×100%, If f>F, the data extraction unit determines that the payment request time is within the first time interval and uses the first payment adjustment coefficient k1 to calculate the single payment request limit, and the adjusted single payment request limit is recorded as GTi, and GTi=GT×k1; If f≤F, the data extraction unit determines that the payment request time is within the second time interval and uses the second payment adjustment coefficient k2 to calculate the single payment request limit, setting GTi=GT×k2; When ti>T2, the data extraction unit sets f=(ti-T2) / T2×100%, If f≤F, the data extraction unit determines that the payment request time is in the third time interval and uses the first payment adjustment coefficient k2 to calculate the single payment request limit, setting GTi=GT×(2-k2); If f>F, the data extraction unit determines that the payment request time is in the fourth time interval and uses the first payment adjustment coefficient k1 to calculate the single payment request limit, setting GTi=GT×(2-k1).

10. A fund management system applied to the fund management method based on fund card according to any one of claims 1 to 9, characterized in that: include: A financial system unit, which is used to record various financial information and calculate financial data. The financial system unit is provided with a financial accounting subject, standard parameters for requesting payment and transfer corresponding to the financial accounting subject, and a list of approved devices for executing requesting payment and transfer; A data receiving unit, which is connected to the settlement device and the bank's online banking system, is used to receive the expense request and transfer behavior information of each expense card and convert the expense request and transfer behavior information of the expense card into key data features of the expense card; A data association unit, which is connected to the data receiving unit and the financial system unit respectively, and is used to associate the expense card with the financial accounting subject of the financial system unit to obtain standard parameters of whether the request for payment transfer of a single expense card is approved and a list of approved devices for executing the request for payment transfer of a single expense card; a data identification unit, which is connected to the data receiving unit and the data association unit respectively, and is used to compare the single expense request and transfer execution device information of the single expense card recorded by the data receiving unit with the list of approved payment transfer execution devices to determine whether the single expense card request and transfer request can be accepted; A data extraction unit, which is connected to the data receiving unit, the data association unit and the data identification unit respectively, and is used to compare the key data features of the expense card with the standard parameters to determine the compliance of the single expense card request for payment transfer; The analysis unit is respectively connected to the data receiving unit, the data association unit, the data identification unit and the data extraction unit, and is used to control the data extraction unit to perform data statistics on key data features of the expense card and to verify them with standard parameters according to a set period to review the financial information of the expense card.

Images