An intelligent approval system for commercial factoring based on an automated process engine

Abstract

The present invention provides a commercial factoring intelligent approval system based on an automated process engine, which belongs to the field of financial data technology, and specifically includes: taking the approval documents of commercial factoring business as associated approval documents, and determining the historical approval processing results of different approval users according to the file types of different associated approval documents, determining the problem identification accuracy of the approval users and screening the approval users based on the historical approval processing results, generating an approval processing plan for the commercial factoring business based on the screening of approval users, and determining a priority approval plan based on the number of screened approval users and the problem identification accuracy in different approval processing plans, and automatically outputting the approval process of the commercial factoring business according to the priority approval plan and the automated process engine, thereby improving the efficiency and accuracy of the generation and processing of the approval process.

Description

Technical Field

[0001] The present invention belongs to the field of financial data technology, and in particular relates to a commercial factoring intelligent approval system based on an automated process engine. Background Art

[0002] Commercial factoring is a complete set of financial solutions based on the factoring contract signed between the factor and the supplier, including financing, credit risk management, accounts receivable management and collection services. Specifically, in CN202310996840.7 "Commercial Factoring Management Methods, Devices, Equipment and Media", it reduces the operational steps of the commercial factoring financing process, improves the user experience, and meets the requirements of convenient financing, automatic debt, fund security, and real transactions.

[0003] However, in the actual process of commercial factoring business, changes in commercial factoring financing plans, business continuation, project characterization, expenses, contracts and other matters often require application and approval, which makes how to improve the efficiency of approval processing a technical problem that needs to be solved urgently.

[0004] In response to the above technical problems, the present invention provides a commercial factoring intelligent approval system based on an automated process engine. Summary of the invention

[0005] To achieve the purpose of the present invention, the present invention adopts the following technical solutions:

[0006] According to one aspect of the present invention, a commercial factoring intelligent approval system based on an automated process engine is provided.

[0007] A commercial factoring intelligent approval system based on an automated process engine includes an approval process output module and an approval method, specifically including:

[0008] S1 determines the similarity between the commercial factoring business and other commercial factoring businesses based on the approval documents of the newly added commercial factoring business, and determines the reference business type of the commodity factoring business based on the similarity of the approval documents;

[0009] S2 determines the problem identification data of the reference business type according to the historical approval results of the reference business type, and further combines the accuracy of the approval results to determine that there is no reference business type whose approval processing reliability meets the requirements, and then proceeds to the next step;

[0010] S3 uses the approval document of the commercial factoring business as an associated approval document, and determines the historical approval processing results of different approval users according to the file types of different associated approval documents, and determines the problem recognition accuracy of the approval user and screens the approval user based on the historical approval processing results;

[0011] S4 generates an approval processing plan for the commercial factoring business based on the screened approval users, and determines a priority approval plan based on the number of screened approval users and the accuracy of problem identification in different approval processing plans. Based on the priority approval plan and the automated process engine, the approval process for the commercial factoring business is automatically output.

[0012] The beneficial effects of the present invention are:

[0013] Based on the problem identification data and the accuracy of the approval results of the reference business type, determine whether there is a reference business type whose approval processing reliability meets the requirements. This takes into account both the differences in the number of identification and processing times of problems in the approval documents of the reference business type and the omissions in the approval results process of the approval documents of the reference business type, thereby ensuring the accuracy of the assessment of the approval processing reliability of the reference business type and laying the foundation for further determining whether the reference business type can be used to output the approval process.

[0014] The priority approval plan is determined based on the number of screened approval users and the problem identification accuracy in different approval processing plans. The priority approval plan is determined from two perspectives: the identification accuracy of problems in the approval processing plan and the efficiency of the approval processing caused by the number of screened approval users. This not only ensures the efficiency of the approval processing, but also ensures the accuracy of the problem identification processing in the approval processing.

[0015] A further technical solution is that the newly added commercial factoring business is a commercial factoring business that has not yet undergone an approval process.

[0016] A further technical solution is that the approval process output module is responsible for automatically outputting the approval process of the commercial factoring business for which the approval process has not yet been constructed.

[0017] A further technical solution is that the similarity between the commercial factoring business and other commercial factoring businesses is determined based on the document types of the approval documents of the commercial factoring business and other commercial factoring businesses.

[0018] A further technical solution is that the method for determining the reference business type of the commodity factoring business is:

[0019] Based on the file type of the approval document associated with the commodity factoring business, determining the approval document that is consistent with the approval document of the other commodity factoring business;

[0020] Determining a document similarity coefficient between the commodity factoring business and the other commodity factoring business according to the proportion of the consistent approval document in the number of approval documents associated with the commodity factoring business and the proportion of the consistent approval document in the number of approval documents associated with other commodity factoring businesses;

[0021] Based on the document similarity coefficient, it is determined whether the other commodity factoring business is a reference business type.

[0022] A further technical solution is that the method for determining the priority approval scheme is:

[0023] Determine the approval processing complexity coefficient in the approval processing scheme based on the number of screened approval users in the approval processing scheme and the ratio of the number of screened approval users to the number of preset approval users;

[0024] Normalizing the problem recognition accuracy rates of different screening and approving users in the approval processing scheme to obtain the scheme recognition accuracy rate of the approval processing scheme;

[0025] The comprehensive priority coefficient of the approval processing scheme is determined according to the weighted sum of the scheme identification accuracy rate and the approval processing complexity coefficient, and the priority approval scheme in the approval processing scheme is determined according to the comprehensive priority coefficient.

[0026] A further technical solution is that the preferred approval scheme is the approval processing scheme with the largest comprehensive optimization coefficient.

[0027] A further technical solution is to automatically output the approval process of the commercial factoring business, specifically including:

[0028] Based on the preferred approval scheme, determining a screening approval user corresponding to the preferred approval scheme;

[0029] Based on the screening and approval users and the automated process engine, the approval process of the commercial factoring business is automatically output.

[0030] Other features and advantages will be described in the following description. The objects and other advantages of the present invention are realized and obtained by the structures particularly pointed out in the description and drawings.

[0031] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, preferred embodiments are given below and described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] The above and other features and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings.

[0033] Figure 1 It is a flowchart of a commercial factoring intelligent approval system based on an automated process engine;

[0034] Figure 2 is a flow chart of a method for determining a reference business type for commodity factoring business;

[0035] Figure 3 is a flow chart of a method for determining the accuracy of question identification for an approval user;

[0036] Figure 4 It is a flow chart of the method for determining the priority approval plan. DETAILED DESCRIPTION

[0037] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on the embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this specification.

[0038] However, in the actual process of conducting commercial factoring business, changes in commercial factoring financing plans, business continuation, project characterization, expenses, contracts and other matters often require application and approval. Therefore, it is necessary to combine the similar cleanup of existing commercial factoring business and the approval personnel associated with commercial factoring business to generate an automatic approval process, thereby improving the efficiency of the generation and processing of the approval process.

[0039] Reference business type: It is determined based on the same document types between the commercial factoring business and other commercial factoring businesses. Specifically, the similarity coefficient is determined based on the proportion of the same document types. Other commercial factoring businesses with a similarity coefficient greater than 0.7 are used as reference month types.

[0040] Approval processing reliability: It is determined based on the accuracy of the approval results, and the accuracy rate is used as the approval processing reliability.

[0041] Problem identification accuracy of approval users: The problem identification accuracy is determined based on the proportion of approval processing times in which problems are discovered by approval users. Approval users with a problem identification accuracy greater than 0.6 are selected as screening approval users.

[0042] Prioritized approval plan: The approval processing complexity coefficient in the approval processing plan is determined by the number of screened approval users in the approval processing plan and the ratio of the number of screened approval users to the number of preset approval users. The problem recognition accuracy rates of different screened approval users in the approval processing plan are normalized to obtain the scheme recognition accuracy rate of the approval processing plan. The comprehensive priority coefficient of the approval processing plan is determined based on the weighted sum of the scheme recognition accuracy rate and the approval processing complexity coefficient, and the approval processing plan with the largest comprehensive priority coefficient is given priority.

[0043] To solve the above problems, according to one aspect of the present invention, Figure 1 As shown, a commercial factoring intelligent approval system based on an automated process engine is provided, including an approval process output module, and an approval method is applied, specifically including:

[0044] S1 determines the similarity between the commercial factoring business and other commercial factoring businesses based on the approval documents of the newly added commercial factoring business, and determines the reference business type of the commodity factoring business based on the similarity of the approval documents;

[0045] Furthermore, the newly added commercial factoring business is a commercial factoring business that has not yet undergone an approval process.

[0046] It can be understood that the approval process output module is responsible for automatically outputting the approval process of the commercial factoring business for which the approval process has not yet been constructed.

[0047] It should be noted that the similarity between the commercial factoring business and other commercial factoring businesses is determined based on the document types of the approval documents for the commercial factoring business and other commercial factoring businesses.

[0048] Specifically, Figure 2 As shown, the method for determining the reference business type of the commodity factoring business is:

[0049] Based on the file type of the approval document associated with the commodity factoring business, determining the approval document that is consistent with the approval document of the other commodity factoring business;

[0050] Determining a document similarity coefficient between the commodity factoring business and the other commodity factoring business according to the proportion of the consistent approval document in the number of approval documents associated with the commodity factoring business and the proportion of the consistent approval document in the number of approval documents associated with other commodity factoring businesses;

[0051] Based on the document similarity coefficient, it is determined whether the other commodity factoring business is a reference business type.

[0052] Furthermore, when the document similarity coefficient of the other commodity factoring business is greater than a preset similarity coefficient, the other commodity factoring business is determined as a reference business type.

[0053] It is understandable that the method for determining the reference business type of the commodity factoring business is:

[0054] Based on the file type of the approval document associated with the commodity factoring business, determining the approval document that is consistent with the approval document of the other commodity factoring business;

[0055] Determine whether the other commodity factoring business is a reference business type according to the number of the consistent approval documents.

[0056] Optionally, the method for determining the reference business type of the commodity factoring business is specifically:

[0057] Based on the file type of the approval document associated with the commodity factoring business, determining the approval documents that are consistent with the approval documents of the other commodity factoring business, and when the number of the consistent approval documents is less than the preset number of documents, determining that the other commodity factoring business does not belong to the reference business type;

[0058] When the number of the consistent approval documents is not less than the preset number of documents:

[0059] Determining the ratio of the consistent approval document to the number of related approval documents of the commodity factoring business, and when the ratio of the consistent approval document to the number of related approval documents of the commodity factoring business does not meet the requirement, determining that the other commodity factoring business does not belong to the reference business type;

[0060] When the proportion of the consistent approval documents in the number of related approval documents for commodity factoring business meets the requirements:

[0061] The associated approval documents except the consistent approval document are used as other approval documents, and the document type correlation coefficients of the other approval documents with the approval documents of the other commodity factoring business are determined according to the document types of the other approval documents; when the other commodity factoring business has other approval documents whose document type correlation coefficients do not meet the requirements, it is determined that the other commodity factoring business does not belong to the reference business type;

[0062] When the document type correlation coefficient with other approval documents in the other commodity factoring business meets the requirements of other approval documents,

[0063] Determining a document similarity coefficient between the commodity factoring business and the other commodity factoring business according to the proportion of the consistent approval document in the number of approval documents associated with the commodity factoring business and the proportion of the consistent approval document in the number of approval documents associated with other commodity factoring businesses;

[0064] Based on the document similarity coefficient, it is determined whether the other commodity factoring business is a reference business type.

[0065] S2 determines the problem identification data of the reference business type according to the historical approval results of the reference business type, and further combines the accuracy of the approval results to determine that there is no reference business type whose approval processing reliability meets the requirements, and then proceeds to the next step;

[0066] Furthermore, the problem identification data of the reference business type includes the number of problem identifications of the reference business type.

[0067] Specifically, the accuracy of the approval result includes the number of unsuccessful approval processing times for issues in the approval documents of the reference business type and the proportion of the unsuccessful approval processing times in the total number of approval processing times.

[0068] It should also be noted that it is determined that there are no reference business types that meet the approval processing reliability requirements, including:

[0069] Determining the number of problem identifications of the reference business type using the problem identification data of the reference business type;

[0070] Determine the proportion of the number of unsuccessful approval processing times of the approval documents of the reference business type in the number of approval processing times based on the accuracy of the approval results;

[0071] The approval processing reliability coefficient of the reference business type is determined by the proportion of the number of unsuccessful approval processing times in the approval processing times and the ratio of the number of problem identification times to the approval processing times, and based on the approval processing reliability coefficient, it is determined whether the approval processing reliability of the reference business type meets the requirements.

[0072] Furthermore, the approval processing reliability coefficient of the reference business type is determined according to the product of the proportion of the number of unsuccessful approval processing times in the number of approval processing times and the ratio of the number of problem identification times to the number of approval processing times.

[0073] It should also be noted that when there is a reference business type whose approval processing reliability meets the requirements, the reference business type with the largest approval processing reliability coefficient is used to automatically output the approval process of the commercial factoring business.

[0074] It is understandable that it is determined that there are no reference business types that meet the approval processing reliability requirements, including:

[0075] Determine the number of problem identifications of the reference business type based on the problem identification data of the reference business type, and determine the problem identification quantity ratio according to the quantity ratio of the approval processing times with problem identification;

[0076] Determine the proportion of unsuccessful approval processing times of the approval documents of the reference business type in the total number of approval processing times based on the accuracy of the approval results, and determine the proportion of the number of identification deviations using the proportion of unsuccessful approval processing times in the total number of approval processing times;

[0077] The approval processing reliability coefficient of the reference business type is determined based on the proportion of the problem identification number and the proportion of the identification deviation number, and based on the approval processing reliability coefficient, it is determined whether the approval processing reliability of the reference business type meets the requirements.

[0078] Optionally, it is determined that there is no reference business type that meets the approval processing reliability requirement, including:

[0079] S21 determines the proportion of the number of unsuccessful approval processing times of the approval documents of the reference business type in the number of approval processing times based on the accuracy of the approval results, and determines the proportion of the number of identification deviations by using the proportion of the number of unsuccessful approval processing times in the number of approval processing times;

[0080] S22 determines the problem identification times of the reference business type based on the problem identification data of the reference business type, and determines the identification reliability coefficient according to the approval processing times of the existing problem identification and the problem identification times with different approval processing times;

[0081] S23 determines the approval processing reliability coefficient of the reference business type based on the identification reliability coefficient and the proportion of the number of identification deviations, and determines whether the approval processing reliability of the reference business type meets the requirements based on the approval processing reliability coefficient.

[0082] It should also be noted that the above step S21 includes steps S211-S213, which are specifically:

[0083] S211 determines the number of unsuccessful approval processing times of the approval documents of the reference business type based on the accuracy of the approval result, and uses it as the number of identification deviation approval times. When the number of identification deviation approval times does not meet the requirement, it is determined that the approval processing reliability of the reference business type does not meet the requirement. When the number of identification deviation approval times meets the requirement, it proceeds to step S212.

[0084] S212 determines the total number of problem identification omissions of the identification deviation approval times by using the number of problem identification omissions of the identification deviation approval times. When the total number of problem identification omissions of the identification deviation approval times does not meet the requirement, it is determined that the approval processing reliability of the reference business type does not meet the requirement. When the total number of problem identification omissions of the identification deviation approval times meets the requirement, the process proceeds to step S213.

[0085] S213 determines the proportion of identification deviations by using the proportion of identification deviation approval times in the approval processing times. When the identification deviation proportion is within the preset deviation proportion range, step S22 is entered. When the identification deviation proportion is not within the preset deviation proportion range, it is directly determined that the approval processing reliability of the reference business type does not meet the requirements.

[0086] It can be understood that the above step S22 includes steps S221-S223, which are specifically:

[0087] S221 determines the problem identification times of the reference business type based on the problem identification data of the reference business type. When the problem identification times of the reference business type is not within the preset times interval, it is directly determined that the approval processing reliability of the reference business type does not meet the requirements. When the problem identification times of the reference business type is within the preset times interval, the process proceeds to step S222;

[0088] S222: obtaining the number of approval processes with problem identification. When the number of approval processes with problem identification is less than the preset number of approval processes, directly determining that the approval process reliability of the reference business type does not meet the requirement. When the number of approval processes with problem identification is not less than the preset number of approval processes, proceeding to step S223.

[0089] S223 determines the identification reliability coefficient based on the number of approval processes with problem identification and the number of problem identifications with different approval processes. When the identification reliability coefficient meets the requirements, it proceeds to step S23. When the identification reliability coefficient does not meet the requirements, it is directly determined that the approval processing reliability of the reference business type does not meet the requirements.

[0090] S3 uses the approval document of the commercial factoring business as an associated approval document, and determines the historical approval processing results of different approval users according to the file types of different associated approval documents, and determines the problem recognition accuracy of the approval user and screens the approval user based on the historical approval processing results;

[0091] Specifically, Figure 3 As shown, the method for determining the accuracy of question recognition of the approving user is:

[0092] Based on the historical approval processing results of the approval user, determine the accuracy of the problem identification of the approval user in different related approval documents;

[0093] The problem identification accuracy of the approval user is determined according to the problem identification accuracy of the approval user in different related approval documents.

[0094] Furthermore, the question recognition accuracy of the approving user ranges from 0 to 1, wherein when the question recognition accuracy of the approving user is greater than a preset recognition accuracy threshold, the approving user is determined to be a screened approving user.

[0095] Optionally, the method for determining the accuracy of question recognition of the approving user comprises the following steps:

[0096] S31 determines the problem identification data of the approving user in the associated approval document based on the historical approval processing results of the approving user, and determines the number of problem identifications and the number of problem identification deviations of the associated approval document using the problem identification data;

[0097] S32 determines the recognition reliability coefficient of the approval user in different associated approval documents based on the ratio of the problem identification deviation number to the approval processing number and the ratio of the problem identification deviation number to the approval processing number;

[0098] S33 determines the weight coefficient of the approval user in different related approval documents based on the number of approval processes of the approval user in different related approval documents, and determines the problem recognition accuracy of the approval user through the weight coefficient and the recognition reliability coefficient.

[0099] S4 generates an approval processing plan for the commercial factoring business based on the screened approval users, and determines a priority approval plan based on the number of screened approval users and the accuracy of problem identification in different approval processing plans. Based on the priority approval plan and the automated process engine, the approval process for the commercial factoring business is automatically output.

[0100] Specifically, Figure 4 As shown, the method for determining the priority approval scheme is:

[0101] Determine the approval processing complexity coefficient in the approval processing scheme based on the number of screened approval users in the approval processing scheme and the ratio of the number of screened approval users to the number of preset approval users;

[0102] Normalizing the problem recognition accuracy rates of different screening and approving users in the approval processing scheme to obtain the scheme recognition accuracy rate of the approval processing scheme;

[0103] The comprehensive priority coefficient of the approval processing scheme is determined according to the weighted sum of the scheme identification accuracy rate and the approval processing complexity coefficient, and the priority approval scheme in the approval processing scheme is determined according to the comprehensive priority coefficient.

[0104] Furthermore, the preferred approval plan is the approval processing plan with the largest comprehensive optimization coefficient.

[0105] It is understandable that the automatic output of the approval process of the commercial factoring business specifically includes:

[0106] Based on the preferred approval scheme, determining a screening approval user corresponding to the preferred approval scheme;

[0107] Based on the screening and approval users and the automated process engine, the approval process of the commercial factoring business is automatically output.

[0108] In another embodiment, the step S31 includes steps S311-S313, specifically:

[0109] S311 determines the problem identification data of the approving user in the associated approval file based on the historical approval processing results of the approving user. If it is determined based on the problem identification data that there is an associated approval file whose problem identification deviation times do not meet the requirements, it is determined that the problem identification accuracy rate of the approving user does not meet the requirements. If it is determined based on the problem identification data that there is no associated approval file whose problem identification deviation times do not meet the requirements, the process proceeds to step S312.

[0110] S312 uses the problem identification data to determine the number of problem identification deviations of the associated approval document, and uses the number of problem identification deviations of the associated approval document to determine the total number of problem identification deviations. When the total number of problem identification deviations does not meet the requirement, it is determined that the problem identification accuracy of the approving user does not meet the requirement. When the total number of problem identification deviations meets the requirement, the process proceeds to step S313;

[0111] S313 associates the approval documents with the problem identification deviation times greater than the preset identification deviation times threshold based on the problem identification deviation times. When the number of associated approval documents with the problem identification deviation times greater than the preset identification deviation times threshold does not meet the requirement, it is determined that the problem identification accuracy rate of the approving user does not meet the requirement. When the number of associated approval documents with the problem identification deviation times greater than the preset identification deviation times threshold meets the requirement, proceed to step S32.

[0112] In another embodiment, the above step S32 includes steps S321-S323, specifically:

[0113] S321 determines the recognition reliability coefficient of the approval user in different related approval documents based on the ratio of the problem recognition deviation times to the approval processing times and the ratio of the problem recognition deviation times to the approval processing times. When there is a related approval document whose recognition reliability coefficient does not meet the requirement, it is determined that the problem recognition accuracy rate of the approval user does not meet the requirement. When there is no related approval document whose recognition reliability coefficient does not meet the requirement, the process proceeds to step S322;

[0114] S322 determines the average value of the recognition reliability coefficients of different associated approval documents based on the recognition reliability coefficients of the approval user in different associated approval documents. When the average value of the recognition reliability coefficients of different associated approval documents does not meet the requirements, it is determined that the problem recognition accuracy rate of the approval user does not meet the requirements. When the average value of the recognition reliability coefficients of different associated approval documents meets the requirements, the process proceeds to step S33.

[0115] It should be further explained that the above step S33 includes steps S331-S332, which are specifically:

[0116] S331 determines the weight coefficient of the approval user in different related approval documents based on the number of approval processing times of the approval user in different related approval documents, and determines the correction reliability coefficient of different related approval documents by the product of the weight coefficient and the recognition reliability coefficient. When there is a related approval document whose correction reliability coefficient does not meet the requirement, it is determined that the problem recognition accuracy rate of the approval user does not meet the requirement. When there is no related approval document whose correction reliability coefficient does not meet the requirement, it goes to step S332;

[0117] S332 determines the recognition accuracy of the question of the approving user through the weight coefficient and the recognition reliability coefficient.

[0118] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device, equipment, and non-volatile computer storage medium embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0119] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0120] The above description is only one or more embodiments of this specification and is not intended to limit this specification. For those skilled in the art, one or more embodiments of this specification may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of this specification shall be included in the scope of the claims of this specification.

Claims

1. A commercial factoring intelligent approval system based on an automated process engine, including an approval process output module, applying an approval method, characterized in that: Specifically include: Determine the similarity between the commercial factoring business and other commercial factoring businesses based on the approval documents of the newly added commercial factoring business, and determine the reference business type of the commercial factoring business based on the similarity of the approval documents; Determine the problem identification data of the reference business type according to the historical approval results of the reference business type, and further combine the accuracy of the approval results to determine that there is no reference business type whose approval processing reliability meets the requirements, then proceed to the next step; The approval document of the commercial factoring business is used as an associated approval document, and according to the file types of different associated approval documents, the historical approval processing results of different approval users are determined, and the problem recognition accuracy of the approval user is determined based on the historical approval processing results, and the approval user is screened; Generate an approval processing scheme for the commercial factoring business based on the screened approval users, determine a preferred approval scheme based on the number of screened approval users and the accuracy of problem identification in different approval processing schemes, and automatically output the approval process of the commercial factoring business based on the preferred approval scheme and the automated process engine; The method for determining the reference business type of the commercial factoring business is: Determining, based on the file type of the approval document associated with the commercial factoring business, an approval document that is consistent with the approval documents of the other commercial factoring business; Determining a document similarity coefficient between the commercial factoring business and the other commercial factoring business according to the proportion of the consistent approval document in the number of related approval documents of the commercial factoring business and the proportion of the consistent approval document in the number of related approval documents of other commercial factoring businesses; determining whether the other commercial factoring business is a reference business type based on the document similarity coefficient; When the document similarity coefficient of the other commercial factoring business is greater than the preset similarity coefficient, determining the other commercial factoring business as the reference business type; The method for determining the preferred approval scheme is: Determine the approval processing complexity coefficient in the approval processing scheme based on the number of screened approval users in the approval processing scheme and the ratio of the number of screened approval users to the number of preset approval users; Normalizing the problem recognition accuracy rates of different screening and approving users in the approval processing scheme to obtain the scheme recognition accuracy rate of the approval processing scheme; Determine the comprehensive optimization coefficient of the approval processing scheme according to the weighted sum of the scheme identification accuracy rate and the approval processing complexity coefficient, and determine the preferred approval scheme among the approval processing schemes according to the comprehensive optimization coefficient; Determine that there are no reference business types that meet the approval processing reliability requirements, including: Determining the number of problem identifications of the reference business type using the problem identification data of the reference business type; Determine the proportion of the number of unsuccessful approval processing times of the approval documents of the reference business type in the number of approval processing times based on the accuracy of the approval results; The approval processing reliability coefficient of the reference business type is determined by the proportion of the number of unsuccessful approval processing times in the approval processing times and the ratio of the number of problem identification times to the approval processing times, and based on the approval processing reliability coefficient, it is determined whether the approval processing reliability of the reference business type meets the requirements.

2. The commercial factoring intelligent approval system based on the automated process engine as claimed in claim 1, characterized in that: The newly added commercial factoring business is the commercial factoring business that has not yet gone through the approval process.

3. The commercial factoring intelligent approval system based on the automated process engine as claimed in claim 1, characterized in that: The approval process output module is responsible for automatically outputting the approval process of commercial factoring business for which the approval process has not yet been constructed.

4. The commercial factoring intelligent approval system based on the automated process engine as claimed in claim 1, characterized in that: The similarity between the commercial factoring business and other commercial factoring businesses is determined based on the document types of the approval documents for the commercial factoring business and other commercial factoring businesses.

5. The commercial factoring intelligent approval system based on the automated process engine as claimed in claim 1, characterized in that: The problem identification data of the reference business type includes the number of problem identification times of the reference business type.

6. The commercial factoring intelligent approval system based on the automated process engine as claimed in claim 1, characterized in that: The accuracy of the approval result includes the number of unsuccessful approval processing times for issues in the approval documents of the reference business type and the proportion of unsuccessful approval processing times in the total number of approval processing times.

7. The commercial factoring intelligent approval system based on the automated process engine as claimed in claim 1, characterized in that: The preferred approval plan is the approval processing plan with the largest comprehensive optimization coefficient.

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