A settlement management method, system, electronic device and storage medium

Abstract

The present application discloses a settlement management method, system, electronic device and storage medium, the method comprising: receiving order information and verifying the validity of the order information, obtaining valid order information and conducting risk assessment, obtaining the risk assessment result of the order and matching the corresponding bill template and verification method, generating a bill using the matching bill template and verifying it, performing settlement processing on the part involving settlement through data integrity and consistency verification; completing the accuracy verification of settlement processing using the matching settlement verification method, performing transfer operations using the matching transfer strategy on the part involving transfer through data integrity and consistency verification, transfer object hierarchical accuracy verification and transfer object security verification; completing transfer verification using the matching transfer verification method after determining that the transfer is completed, and generating a transfer invoice after successful verification. The present application can integrate multiple settlement functions and realize settlement adaptability management.

Description

Technical Field

[0001] The present application relates to the field of intelligent settlement technology, and specifically to a settlement management method, system, electronic device and storage medium. Background Art

[0002] With the acceleration of digital transformation, internal and external transactions of enterprises are becoming more frequent. The traditional single currency and fixed-level settlement methods are difficult to meet the diversified and multi-level fund management and transaction needs. Most settlement systems on the market currently focus on one aspect, such as separate bill management, settlement and transfer services or invoice issuance, and lack a comprehensive integrated design approach. Although this situation has improved the efficiency of certain specific functions to a certain extent, it has also brought many challenges.

[0003] Specifically, existing settlement systems usually adopt a separate processing approach, with different functions scattered in different subsystems. For example, order management, bill settlement, fund transfer, and invoice issuance are all run independently. These systems usually rely on fixed rules and processes, and coordinate the interaction between subsystems through manual intervention. This approach has led to serious data silos, and information between different business processes cannot be effectively communicated, which increases the error rate and processing time, and reduces the operational efficiency of the enterprise.

[0004] In addition, the existing technology also has systems that integrate multiple sub-functional systems such as order management, bill settlement, fund transfer and invoice issuance, but there are still limitations in the integration and comprehensive application of data flowing in both directions in multiple sub-functional systems, especially in the difficulty of adaptively optimizing and adjusting order processes and automating settlement under different settlement conditions. Therefore, there is an urgent need for a new settlement management method that effectively integrates multiple settlement functions and realizes flexible settlement adaptability management. Summary of the invention

[0005] In order to effectively integrate multiple settlement functions and realize settlement adaptive management, improve settlement efficiency and ensure data security throughout the settlement management process, the present application provides a settlement management method, system, electronic device and storage medium.

[0006] In a first aspect, the present application provides a settlement management method, comprising:

[0007] Receive order information and verify the validity of the order information to obtain valid order information;

[0008] Perform risk assessment based on valid order information and obtain the risk assessment results of the order; match the corresponding bill template, settlement verification method, transfer strategy, and transfer verification method based on the risk assessment results of the order. Each order with a risk assessment result is preset with a matching bill template, transfer strategy, settlement verification method, and transfer verification method;

[0009] Combine order information and use matching bill template to generate bill;

[0010] Combined with the order information, the generated bill is verified. The settlement part of the bill is verified for data integrity and consistency, and then the settlement process is carried out. After the accuracy verification of the settlement process is completed using the matching settlement verification method, the transfer part of the bill is verified for data integrity and consistency, and the hierarchical accuracy verification and security verification of the transfer object are passed, and the transfer operation is carried out using the matching transfer strategy.

[0011] When confirming that the transfer is complete, use the matching transfer verification method to complete the transfer verification. After verifying that the transfer is successful, generate a transfer invoice based on user needs.

[0012] By adopting the above solution, through the integrated management mechanism of order validity period verification, order corresponding bill template matching, bill verification, settlement and transfer verification and operation, and invoice generation, the efficiency of information flow is improved and the settlement cycle is shortened; according to the verification content of each link, the corresponding subsequent link generation or verification method is selected to achieve the optimization of the settlement management process based on the data flow of each link, so that the order information of different risks can be adaptively completed to complete efficient and safe settlement management, improve applicability and ensure data security.

[0013] Preferably, it also includes:

[0014] Based on the transaction data in the valid order information input by the same user received in the past, predict the future transaction trend, and generate the predicted order information based on the transaction trend;

[0015] Perform risk assessment on the predicted order information, match the corresponding bill template, settlement verification method, transfer strategy, transfer verification method according to the risk assessment results, associate with the predicted order information and store them together;

[0016] When order information is received at a predicted future time and determined to be valid order information, the order information received at the predicted future time is compared with the order information predicted at the same time; if the similarity is greater than the preset similarity, the bill template, transfer strategy, settlement verification method and transfer verification method associated with the predicted order information are directly used as the bill template, transfer strategy, settlement verification method and transfer verification method that match the received future order information.

[0017] By adopting the above solution, machine learning technology is introduced to predict orders and match bills. When the orders received in the predicted future period are similar to the predicted orders, the settlement processing method of matching the predicted order information is directly used, which reduces the repeated risk assessment and matching process and improves settlement efficiency.

[0018] Preferably, the order presets for each risk assessment result have a matching bill template set as a dynamically adjustable template; further comprising:

[0019] Receive settlement demand instructions related to order information input by the user;

[0020] Querying the settlement requirement instruction range of the relevant order information preset by the user according to the user ID to determine whether the currently input settlement requirement instruction exceeds the range; the settlement requirement instruction range of the relevant order information preset by the user includes: the range of bill templates allowed to be customized by the user and the range of currencies allowed to be used as settlement;

[0021] If it does not exceed the range, the bill template matching the order information will be dynamically adjusted or the settlement currency will be determined according to the settlement demand instructions, and the exchange rate conversion of the determined currency will be performed in the subsequent settlement processing.

[0022] By adopting the above solution, a dynamically adjusted template is set up for users to customize the bill template according to their own business characteristics, and the settlement currency method is determined according to user needs and the exchange rate conversion is performed during the settlement process, so that the generated bills and settlement methods are more in line with the actual needs of users and improve the user experience.

[0023] Preferably, it also includes:

[0024] Receive user's intended order information; the intended order information includes: intended transaction object, intended transaction item, intended transaction quantity and intended transaction time period;

[0025] According to the intended order information, the market price forecast fluctuation results of the intended transaction items in the intended transaction period are obtained, and the promotion discount information of the intended transaction items disclosed by the intended transaction object in the intended transaction period is obtained, and the recommended time for the intended order transaction that meets the user's needs is generated accordingly; the user needs include: the time with the lowest transaction amount and the time with the greatest discount;

[0026] Supplement the intended transaction time to the intended order information according to the intended transaction recommendation time, use the intended order information after the supplementation operation to conduct risk assessment in advance, and match the corresponding bill template, settlement verification method, transfer strategy, transfer verification method according to the pre-acquired risk assessment results, and associate and store them with the supplemented intended order information;

[0027] When receiving user order information, determine whether the received user order information is the same as the intended order information after the supplement operation; if they are the same, directly use the billing template, transfer strategy, settlement verification method and transfer verification method associated with the intended order information after the supplement as the billing template, transfer strategy, settlement verification method and transfer verification method that match the received order information.

[0028] By adopting the above solution, the user's intended order information is received and the best transaction time is automatically recommended based on market price fluctuations and promotional information, helping users save costs; at the same time, the best transaction time is used to supplement the user's intended order information to perform risk assessment and bill template matching operations in advance, so that when the user submits an order based on the recommended information, settlement can be completed quickly, thereby improving settlement efficiency.

[0029] Preferably, it also includes:

[0030] Each order of risk assessment result is preset with a matching settlement verification method and transfer verification method, and correspondingly sets multiple sub-settlement verification methods and sub-transfer verification methods that match the user's credit rating;

[0031] According to the order object in the order information, query its historical settlement and transfer data, input the queried historical settlement and transfer data of the order object into the credit determination model to obtain the user's credit level; the credit determination model adopts a neural network algorithm and is generated by training the historical settlement and transfer data marked with the credit level;

[0032] The sub-settlement verification method that ultimately matches the user's credit rating is determined based on the obtained credit rating, so that the settlement verification is completed using the matching sub-settlement verification method in the matching settlement methods; the sub-transfer verification method that ultimately matches the user's credit rating is determined based on the obtained credit rating, so that the transfer verification is completed using the matching sub-transfer verification method in the matching transfer verification methods.

[0033] By adopting the above solution, the user's credit rating is obtained and matched with a more suitable sub-settlement verification method and sub-transfer verification method, the flexibility and accuracy of bill processing and transfer operations are improved, and the security and reliability of the system are further enhanced.

[0034] Preferably, it also includes:

[0035] Generate invoices for transfers based on user needs and conduct compliance verification. If verification fails, re-settlement the bill or generate transfers and repeat the compliance verification until the compliance verification succeeds and the invoice is output.

[0036] By adopting the above solution, compliance verification of invoices is carried out to ensure that the generated invoices comply with the requirements of laws and regulations.

[0037] Preferably, it also includes:

[0038] For each order information received, the order validity verification result, the settlement and transfer verification result, and the invoice generation result are recorded accordingly. Reminder information is generated according to the recorded content and the results are displayed in a visual form according to the process sequence.

[0039] By adopting the above solution and a full-process recording and display mechanism, users can intuitively see the progress and results of each node, thereby improving operational transparency and user experience.

[0040] In a second aspect, the present application provides a settlement management system, including:

[0041] The order acquisition module is used to receive order information and verify the validity of the order information to obtain valid order information;

[0042] The bill template matching module is used to conduct risk assessment based on valid order information and obtain the risk assessment results of the order; the corresponding bill template, settlement verification method, transfer strategy, and transfer verification method are matched according to the risk assessment results of the order. Each order with a risk assessment result is preset with a matching bill template, settlement verification method, transfer strategy, and transfer verification method;

[0043] The bill generation module is used to generate bills by combining order information and using matching bill templates;

[0044] The settlement and transfer operation module is used to verify the generated bill content in combination with the order information, and to carry out settlement processing after the content of the settlement part of the bill passes the data integrity and consistency verification; after completing the accuracy verification of the settlement processing by using the matching settlement verification method, the content of the transfer part of the bill passes the data integrity and consistency verification, and passes the hierarchical accuracy verification of the transfer object and the security verification of the transfer object, and the transfer operation is carried out by using the matching transfer strategy;

[0045] The transfer verification and invoice generation module is used to determine when the transfer is completed, complete the transfer verification using the matching transfer verification method, and generate the transfer invoice according to user needs after the transfer is successfully verified.

[0046] By adopting the above solution, the entire process of order information validity verification, classification and risk assessment, bill template matching, bill generation, bill verification, bill settlement, transfer operations, settlement and transfer verification, and invoice generation is automated, efficiently managing multiple settlement links and ensuring data security.

[0047] In a third aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium includes a stored computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located is controlled to execute the method as described above.

[0048] In a fourth aspect, the present application provides a computer device, comprising a memory, a processor, and a program stored and executable on the memory, wherein the program implements the steps of the above method when executed by the processor.

[0049] In summary, this application has the following beneficial effects:

[0050] 1. Design an automated processing method for the entire process of order information validity verification, risk assessment, bill template matching, bill generation, bill verification, bill settlement, settlement verification, transfer operation, transfer verification and invoice generation to improve data circulation efficiency and shorten the settlement cycle; and when designing each link, adaptively complete the hierarchical control of bill matching, bill verification method selection, settlement verification method selection and transfer operation through the data circulated between different links, thereby improving settlement efficiency while ensuring the security of settlement data circulation;

[0051] 2. Introduce machine learning algorithms to predict order information based on historical transaction data or generate the recommended transaction time of intended orders that meet user needs based on user intended order information to guide the generation of optimal order information, and then pre-generate bill templates, transfer strategies, settlement verification methods and transfer verification methods in advance, so as to reduce the processing time and workload when actually receiving orders and improve settlement efficiency;

[0052] 3. Dynamically adjust bill templates and settlement methods according to user needs, or match more suitable settlement verification methods and transfer verification methods according to user information levels, so as to meet user needs as much as possible while achieving efficient settlement and improve user settlement experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] Figure 1 It is a flowchart of the settlement management method described in a specific embodiment;

[0054] Figure 2 It is a schematic diagram of the structure of the settlement management system described in a specific embodiment. DETAILED DESCRIPTION

[0055] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0056] like Figure 1 As shown, the embodiment of the present application discloses a settlement management method, and the specific steps include:

[0057] S1. Receive order information and verify its validity.

[0058] Specifically, the order validity verification refers to the verification of necessary order information, including order time validity verification, order object validity verification, and order quantity validity verification.

[0059] The validity of the order information received is verified to obtain valid order information. If it is determined that the currently received order information is invalid, a prompt message indicating that the order is invalid is generated accordingly.

[0060] S2. Perform risk assessment based on valid order information and obtain risk assessment results for the order.

[0061] Specifically, in order to conduct an accurate risk assessment of order information, a deep learning algorithm can be used in advance to build an order classification model. The model is generated through training with historical valid orders that are historically labeled with order classifications. The order classification model inputs valid order information and outputs order classifications, such as sales orders, purchase orders, etc.

[0062] Similarly, deep learning algorithms are used to build various types of order risk assessment models, which are trained through historical order information of specific types that are historically labeled with order risk levels. Valid order information belonging to the same order classification is input into the corresponding type of order risk assessment model, and order risk assessment results are output, including: low risk, medium risk, and high risk.

[0063] Therefore, the order classification model is used to classify the valid order information, and then the corresponding type of order risk assessment model is input to finally obtain the risk assessment result of the order.

[0064] S3. Match a series of settlement management methods based on the risk assessment results of the order.

[0065] Specifically, the series of settlement management methods runs through the entire settlement management process, including determining matching bill templates, transfer strategies, settlement verification methods and transfer verification methods, etc.

[0066] For each order with each risk assessment result, a series of settlement management methods are pre-set to match it; in this embodiment, low-risk orders are matched with the first series of settlement management methods, medium-risk orders are matched with the second series of settlement management methods, and high-risk orders are matched with the third series of settlement management methods.

[0067] Among them, the first series of settlement management methods include: the first bill template (with transaction object, transaction quantity, transaction unit price that meets dynamic pricing rules, tax information and other information related to the transaction amount to be settled), the first transfer strategy includes one-click transfer or batch transfer, the first settlement verification method includes setting the first settlement processing times range, and the first transfer method includes setting the first transfer reconciliation times range;

[0068] The second series of settlement management methods include: a second bill template (in addition to the transaction object, transaction quantity, transaction unit price that meets the dynamic pricing rules, tax information and other transaction amount related information to be settled, it also includes a transaction amount calculation process display module and a tax information calculation process display module), a second transfer strategy including batch transfer and allowing one-click transfer after manual review, a second settlement verification method including setting a second settlement processing times range, and a second transfer method including setting a second transfer reconciliation times range;

[0069] The third series of settlement management methods include: the third bill template (with transaction object, transaction quantity, transaction unit price that meets dynamic pricing rules, tax information and other information related to the transaction amount that needs to be settled, transaction amount calculation process display module, tax information calculation process display module, and also a manual authorization to generate transaction settlement module), the third transfer strategy includes batch transfer, the third settlement verification method includes setting the third settlement processing number range, and the third transfer method includes setting the third transfer reconciliation number range.

[0070] S4. Combine the order information and use the matching bill template to generate the bill.

[0071] Specifically, the information contained in the order information is extracted, such as: transaction object, transaction quantity, transaction item, transaction time, etc., and the matching bill template content is used to perform corresponding calculations and fill in the bill template to generate the bill.

[0072] S5. Verify the generated bill content in combination with the order information, and complete the settlement and transfer operations based on the bill verification results.

[0073] Specifically, in order to ensure that the subsequent settlement basis is correct, it is necessary to verify the integrity and consistency of the relevant data in the bill that needs to be settled, ensure that the content used to calculate the settlement transaction amount and the transaction object exist, and verify that the content used to calculate the settlement transaction amount and the transaction object are accurate, and then proceed with the bill settlement process. Among them, if the data integrity and consistency verification of the content that needs to be settled in the bill fails, the bill generation failure is re-determined, and the process goes to S4 to regenerate the bill.

[0074] After confirming that the settlement process is completed, that is, after determining the specific transaction amount, the settlement accuracy verification is completed using the matching settlement method, that is, the settlement processing times are selected according to the matching settlement processing times range, and the settlement transaction amount is calculated repeatedly. If the transaction amounts calculated multiple times are consistent, the settlement processing accuracy verification is deemed to be successful. If the verification of the settlement processing involved in the bill fails, a prompt message indicating that the bill involves settlement failure is generated accordingly.

[0075] After completing the accuracy verification of settlement processing using the matching settlement verification method, in order to ensure that the basis for subsequent transfer operations is correct, it is necessary to verify the data integrity and consistency of the content related to the transfer in the statement to ensure that the content used for the transfer transaction amount and the content of the transfer object exist; in order to achieve strict account level control, prevent confusion between transfers at different levels, reduce the risk of violations, and ensure the safety of transfer funds, verify that the transfer transaction amount is consistent with the settlement transaction amount, and verify that the hierarchical nature of the transfer object is accurate, that is, the hierarchical nature of the transfer object conforms to the transfer operation between objects of the same transfer level and the transfer operation between hierarchical objects with a superior-subordinate hierarchical relationship, such as: the transfer object is AB, BC, CD; A and B are company-level objects, C is a platform-level object, and D is a user-level object, then the hierarchical nature of the transfer object is determined to be accurate; in order to further ensure the security of the transfer operation, the anti-fraud system can also be linked to perform security verification on the transfer object to verify whether the transfer object belongs to the object in the blacklist of the anti-fraud system. If not, the security verification is passed. After completing all the above verifications, use the matching transfer strategy to perform the transfer operation. If the verification of the above-mentioned contents involving the transfer fails, the bill generation failure is re-determined, and the process goes to S4 to regenerate the bill.

[0076] S6. When the transfer is confirmed to be completed, the transfer verification is completed using the matching transfer verification method. After the transfer is successfully verified, an invoice for the transfer is generated according to the user's needs.

[0077] Specifically, when determining that the transfer is completed, the transfer verification is completed using the matching transfer verification method, that is, the transfer data is reconciled using the matching transfer reconciliation times to determine that the transfer object is correct and the transfer amount is consistent; if multiple reconciliation results all show that the transfer is successful, then the transfer is deemed to be correct and the verification is successful; after verifying that the transfer is successful, an invoice for the transfer is generated according to user needs.

[0078] In addition, if the verification of the transfer content in the bill fails, a prompt message indicating that the transfer failed will be generated accordingly.

[0079] S7. Generate transfer invoices based on user needs and conduct compliance verification to obtain compliant invoices.

[0080] Specifically, the invoice for the transfer generated according to the user's needs is verified for compliance. If the verification fails, the transfer invoice is regenerated and the compliance verification is repeated until the compliance verification is successful and the invoice is output.

[0081] In addition, in order to facilitate users to directly observe the full process processing results of order settlement management, the order validity verification results, whether the corresponding order bill is successfully generated, the corresponding generated bill verification results, the corresponding settlement and transfer verification results, and the invoice generation results are recorded for each order information received. Reminder information is generated according to the recorded content and the results are displayed in a visual form according to the process sequence.

[0082] In a specific embodiment, a prediction algorithm is introduced to complete future transaction trends, and predicted order information is generated in advance and matched with a corresponding series of settlement management methods. When similar order information is determined to be received in the future, the matching series of settlement management methods can be directly used to improve settlement efficiency. The method also includes:

[0083] Based on the transaction data in the valid order information input by the same user received in the past, the future transaction trend is predicted, and the predicted order information is generated based on the transaction trend. Specifically, an order transaction prediction model is constructed based on a deep neural network algorithm, and the model is trained by integrating the historical order information of the same user as a training data set. The input of the model is the historical order information of the same user, and the output is the predicted order information.

[0084] Perform risk assessment on the predicted order information, match the corresponding bill template, settlement verification method, transfer strategy, transfer verification method according to the risk assessment results, and store them together with the associated predicted order information.

[0085] When the order information received at the predicted future time is determined to be valid order information, the order information received at the predicted future time is compared with the order information predicted at the same time; wherein the predicted future time can be set manually.

[0086] If the similarity is greater than the preset similarity, the bill template, transfer strategy, settlement verification method and transfer verification method associated with the predicted order information are directly used as the bill template, transfer strategy, settlement verification method and transfer verification method for matching the received future order information, so as to replace the risk assessment based on the order information received at the predicted future time, obtain the risk assessment result of the order and complete the matching method to obtain the bill template, transfer strategy, settlement verification method and transfer verification method.

[0087] In a specific embodiment, considering that in some cases users have the need to customize bill templates so that the bill displays required content or completes settlement in a specified currency, in order to further improve the user experience, the method further includes:

[0088] Receive settlement demand instructions related to order information input by the user; the settlement demand instructions include: requirements for adjusting bill content, requirements for selecting settlement methods in different currencies, etc.

[0089] Querying the settlement requirement instruction range of the relevant order information preset by the user according to the user ID to determine whether the currently input settlement requirement instruction exceeds the range; the settlement requirement instruction range of the relevant order information preset by the user includes: the range of bill templates allowed to be customized by the user and the range of currencies allowed to be used as settlement;

[0090] If it does not exceed the range, the bill template matching the order information is dynamically adjusted or the settlement currency form is determined according to the settlement demand instruction, and the exchange rate conversion of the determined currency is performed in the subsequent settlement processing; wherein, the matching bill template preset for the order of each risk assessment result is set as a dynamically adjustable template; under the condition of determining the settlement currency form, the exchange rate of the corresponding currency is searched by the associated exchange rate system, and the exchange rate of the settled transaction amount is converted in real time; if it exceeds the range, a prompt message is generated that the settlement demand instruction cannot be executed.

[0091] In a specific embodiment, by intelligently processing and recommending the intended order information submitted by the user, the user is guided to generate the order information at the recommended time considering the user's needs, thereby further improving the efficiency of order settlement processing; the method also includes:

[0092] Receive user's intended order information; the intended order information includes: intended transaction object, intended transaction item, intended transaction time period and intended transaction quantity;

[0093] By utilizing the associated market transaction system, the predicted market price fluctuation results of the intended transaction items in the intended transaction period are obtained according to the intended order information, and the promotional discount information of the transaction items disclosed by the intended transaction objects in the intended transaction period is obtained, and the recommended time for the intended order transaction that meets the user's needs is generated accordingly; the user needs include: the time with the lowest transaction amount, the time with the greatest discount, etc.

[0094] Specifically, taking the recommendation of the moment with the lowest transaction amount as an example, analyze the market price fluctuations of the transaction items during the intended transaction period and the promotional discount information of the transaction items, traverse the transaction unit prices and transaction discounts of the transaction items at each moment, calculate the transaction amount based on the intended transaction quantity, and calculate the transaction moment with the lowest transaction amount during the intended transaction period as the moment with the lowest transaction amount.

[0095] Supplement the intended transaction time to the intended order information according to the intended transaction recommendation time, use the intended order information after the supplementation operation to conduct risk assessment in advance, and match the corresponding bill template, settlement verification method, transfer strategy, transfer verification method according to the pre-acquired risk assessment results, and associate and store them with the supplemented intended order information;

[0096] When receiving user order information, determine whether the received user order information is the same as the intended order information after the supplement operation; if they are the same, it indicates that the user generates the order information at the recommended time, and directly use the bill template, transfer strategy, settlement verification method and transfer verification method associated with the intended order information after the supplement as the bill template, transfer strategy, settlement verification method and transfer verification method matched with the received order information, so as to replace the risk assessment based on the received order information, obtain the risk assessment result of the order and complete the matching method to obtain the bill template, transfer strategy, settlement verification method and transfer verification method.

[0097] In a specific embodiment, in order to further match a settlement verification method and a transfer verification method that are more suitable for the user, the method further includes:

[0098] Each order of risk assessment result is preset with a matching settlement verification method and transfer verification method, and multiple sub-settlement verification methods and sub-transfer verification methods are set correspondingly to the user's credit level. Specifically, the user's credit level is divided into low credit, medium credit and high credit; the first to third settlement processing times range and the first to third transfer reconciliation times range are divided according to the credit level, and the matching settlement processing times of the low credit level are greater than the matching settlement processing times of the high credit level, and the matching transfer reconciliation times of the low credit level are greater than the matching transfer reconciliation times of the high credit level.

[0099] According to the order object in the order information, its historical settlement and transfer data are queried, and the queried historical settlement and transfer data of the order object are input into a credit determination model to obtain the user's credit level; the credit determination model adopts a neural network algorithm and is generated by training the historical settlement and transfer data marked with credit levels.

[0100] The sub-settlement verification method that ultimately matches the user's credit rating is determined based on the obtained credit rating, so that the settlement verification is completed using the matching sub-settlement verification method in the matching settlement methods; the sub-transfer verification method that ultimately matches the user's credit rating is determined based on the obtained credit rating, so that the transfer verification is completed using the matching sub-transfer verification method in the matching transfer verification methods.

[0101] like Figure 2 As shown, the embodiment of the present application discloses a settlement management system, which specifically includes:

[0102] The order acquisition module 101 is used to receive order information and verify the validity of the order information to obtain valid order information;

[0103] The bill template matching module 102 is used to perform risk assessment based on valid order information and obtain the risk assessment result of the order; match the corresponding bill template, settlement verification method, transfer strategy, and transfer verification method according to the risk assessment result of the order, and each order with a risk assessment result is preset with a matching bill template, settlement verification method, transfer strategy, and transfer verification method;

[0104] The bill generation module 103 is used to generate a bill using a matching bill template in combination with the order information;

[0105] The settlement and transfer operation module 104 is used to verify the generated bill content in combination with the order information, and to perform settlement processing after the content of the settlement part of the bill passes the data integrity and consistency verification; after completing the accuracy verification of the settlement processing by using the matching settlement verification method, the content of the transfer part of the bill passes the data integrity and consistency verification, and passes the transfer object hierarchical accuracy verification and transfer object security verification, and performs the transfer operation by using the matching transfer strategy;

[0106] The transfer verification and invoice generation module 105 is used to complete the transfer verification using a matching transfer verification method when determining that the transfer is completed, and after verifying that the transfer is successful, generate a transfer invoice according to user needs.

[0107] In a specific embodiment, the system further includes: a predicted order acquisition module 106, which predicts future transaction trends based on transaction data in valid order information input by the same user received historically, and generates predicted order information based on the transaction trends;

[0108] The bill template matching module 102 is also used to perform risk assessment on the predicted order information, match the corresponding bill template, settlement verification method, transfer strategy, transfer verification method according to the risk assessment result, and store them together after associating with the predicted order information; when the order information is received at the predicted future time and determined to be valid order information, compare the order information received at the predicted future time with the order information predicted at the same time; if the similarity is greater than the preset similarity, the bill template, transfer strategy, settlement verification method and transfer verification method associated with the predicted order information are directly used as the bill template, transfer strategy, settlement verification method and transfer verification method for matching the received future order information.

[0109] In a specific embodiment, the bill generation and settlement adjustment module 107 is also used to receive settlement requirement instructions input by the user regarding order information; query the settlement requirement instruction range preset by the user regarding the order information according to the user ID to determine whether the currently input settlement requirement instruction exceeds the range; the settlement requirement instruction range preset by the user regarding the order information includes: a range of bill templates allowed to be customized by the user and a range of currencies allowed as settlement; if it does not exceed the range, the bill template matching the order information is dynamically adjusted or the settlement currency form is determined according to the settlement requirement instruction, and the exchange rate conversion of the determined currency is performed in the subsequent settlement processing process.

[0110] In a specific embodiment, the system further includes: an intended order acquisition module 108, which is used to receive user intended order information; the intended order information includes: intended transaction object, intended transaction item, intended transaction quantity and intended transaction time period;

[0111] The bill template matching module 102 obtains the market price forecast fluctuation results of the intended transaction items in the intended transaction period according to the intended order information, obtains the promotion discount information of the transaction items disclosed by the intended transaction object in the intended transaction period, and generates the recommended time of the intended order transaction that meets the user's needs; the user needs include: the time of the lowest transaction amount and the time of the maximum discount; the intended transaction time is supplemented to the intended order information according to the recommended time of the intended transaction, and the intended order information after the supplement operation is used to perform risk assessment in advance, and the corresponding bill template, settlement verification method, transfer strategy, transfer verification method are matched according to the risk assessment results obtained in advance, and are associated and stored with the supplemented intended order information; when receiving the user order information, it is determined whether the received user order information is the same as the intended order information after the supplement operation; if they are the same, the bill template, transfer strategy, settlement verification method and transfer verification method associated with the supplemented intended order information are directly used as the bill template, transfer strategy, settlement verification method and transfer verification method matched with the received order information.

[0112] In a specific embodiment, the settlement and transfer operation module 104 in the system is also used for setting a plurality of sub-settlement verification methods and sub-transfer verification methods that match the user's credit rating in accordance with the preset settlement verification method and transfer verification method for each order of the risk assessment result; querying its historical settlement and transfer data according to the order object in the order information, inputting the queried historical settlement and transfer data of the order object into the credit determination model, and obtaining the user's credit rating; the credit determination model adopts a neural network algorithm, and is generated by training the historical settlement and transfer data marked with the credit rating; determining the sub-settlement verification method that finally matches the user's credit rating according to the obtained user's credit rating, so that the settlement verification is completed by using the matching sub-settlement verification method in the matching settlement method;

[0113] The transfer verification and invoice generation module 105 in the system is also used for each order of the risk assessment result to be preset with a matching settlement verification method and transfer verification method, and a plurality of sub-settlement verification methods and sub-transfer verification methods that match the user's credit level are set accordingly; the historical settlement and transfer data of the order ordering object in the order information is queried, and the historical settlement and transfer data of the queried order ordering object are input into the credit determination model to obtain the user's credit level; the credit determination model adopts a neural network algorithm and is generated by training the historical settlement and transfer data marked with the credit level; the sub-transfer verification method that finally matches the user's credit level is determined according to the obtained user's credit level, so that the transfer verification is completed by using the matching sub-transfer verification method in the matching transfer verification method.

[0114] The embodiment of the present application also discloses a computer-readable storage medium.

[0115] Specifically, the computer-readable storage medium stores a computer program that can be loaded by a processor and execute the above-mentioned settlement management method. The computer-readable storage medium includes, for example: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, and other media that can store program codes.

[0116] The embodiment of the present application also discloses a computer device.

[0117] Specifically, the computer device includes a memory and a processor, and the memory stores a computer program that can be loaded by the processor and execute the above-mentioned settlement management method.

[0118] The above are all preferred embodiments of the present application, and are not intended to limit the protection scope of the present application. Any feature disclosed in this specification (including the abstract and drawings), unless otherwise stated, can be replaced by other equivalent or alternative features with similar purposes. That is, unless otherwise stated, each feature is only an example of a series of equivalent or similar features.

Claims

1. A settlement management method, characterized in that: include: Receive order information and verify the validity of the order information to obtain valid order information; Conduct risk assessment based on valid order information and obtain the risk assessment results of the order; The corresponding bill template, settlement verification method, transfer strategy and transfer verification method are matched according to the risk assessment results of the order. Each order with a risk assessment result is preset with a matching bill template, settlement verification method, transfer strategy and transfer verification method; Combine order information and use matching bill template to generate bill; Verify the generated bill in combination with the order information; perform settlement processing after the data integrity and consistency verification of the settlement part of the bill; perform the transfer operation after the accuracy verification of the settlement processing is completed using the matching settlement verification method, perform the transfer operation after the data integrity and consistency verification of the transfer object hierarchy accuracy verification and transfer object security verification are completed on the bill. When confirming that the transfer is complete, use the matching transfer verification method to complete the transfer verification. After verifying that the transfer is successful, generate a transfer invoice based on user needs.

2. The settlement management method according to claim 1, characterized in that: Also includes: Based on the transaction data in the valid order information input by the same user received in the past, predict the future transaction trend, and generate the predicted order information based on the transaction trend; Conduct risk assessment on the predicted order information, match the corresponding bill template, settlement verification method, transfer strategy, transfer verification method according to the risk assessment results, and store them together with the associated predicted order information; When order information received at a predicted future time is determined to be valid order information, the order information received at the predicted future time is compared with the order information predicted at the same time; If the similarity is greater than the preset similarity, the bill template, transfer strategy, settlement verification method and transfer verification method associated with the predicted order information are directly used as the bill template, transfer strategy, settlement verification method and transfer verification method for matching the received future order information.

3. The settlement management method according to claim 1, characterized in that: The order presets for each risk assessment result are provided with a matching bill template, all of which are set as dynamically adjustable templates; and further comprising: Receive settlement demand instructions related to order information input by the user; Querying the settlement requirement instruction range of the relevant order information preset by the user according to the user ID to determine whether the currently input settlement requirement instruction exceeds the range; the settlement requirement instruction range of the relevant order information preset by the user includes: the range of bill templates allowed to be customized by the user and the range of currencies allowed to be used as settlement; If it does not exceed the range, the bill template matching the order information will be dynamically adjusted or the settlement currency will be determined according to the settlement demand instructions, and the exchange rate conversion of the determined currency will be performed in the subsequent settlement processing.

4. The settlement management method according to claim 1, characterized in that: Also includes: Receive user's intended order information; The intended order information includes: intended transaction object, intended transaction item, intended transaction quantity and intended transaction time period; According to the intended order information, the market price forecast fluctuation results of the intended transaction items in the intended transaction period are obtained, and the promotion discount information of the intended transaction items disclosed by the intended transaction object in the intended transaction period is obtained, and the recommended time for the intended order transaction that meets the user's needs is generated accordingly; the user needs include: the time with the lowest transaction amount and the time with the greatest discount; Supplement the intended transaction time to the intended order information according to the intended transaction recommendation time, use the intended order information after the supplementation operation to conduct risk assessment in advance, and match the corresponding bill template, settlement verification method, transfer strategy, transfer verification method according to the pre-acquired risk assessment results, and associate and store them with the supplemented intended order information; When receiving user order information, determine whether the received user order information is the same as the intended order information after the supplement operation; if they are the same, directly use the billing template, transfer strategy, settlement verification method and transfer verification method associated with the intended order information after the supplement as the billing template, transfer strategy, settlement verification method and transfer verification method that match the received order information.

5. The settlement management method according to claim 1, characterized in that: Also includes: Each order of risk assessment result is preset with a matching settlement verification method and transfer verification method, and correspondingly sets multiple sub-settlement verification methods and sub-transfer verification methods that match the user's credit rating; According to the order object in the order information, query its historical settlement and transfer data, input the queried historical settlement and transfer data of the order object into the credit determination model to obtain the user's credit level; the credit determination model adopts a neural network algorithm and is generated by training the historical settlement and transfer data marked with the credit level; The sub-settlement verification method that ultimately matches the user's credit rating is determined based on the obtained credit rating, so that the settlement verification is completed using the matching sub-settlement verification method in the matching settlement methods; the sub-transfer verification method that ultimately matches the user's credit rating is determined based on the obtained credit rating, so that the transfer verification is completed using the matching sub-transfer verification method in the matching transfer verification methods.

6. The settlement management method according to claim 1, characterized in that: Also includes: Generate transfer invoices based on user needs and conduct compliance verification. If the verification fails, regenerate the transfer invoice and repeat the compliance verification until the compliance verification succeeds and the invoice is output.

7. The settlement management method according to claim 1, characterized in that: Also includes: For each order information received, the order validity verification result, the settlement and transfer verification result, and the invoice generation result are recorded accordingly. Reminder information is generated according to the recorded content and the results are displayed in a visual form according to the process sequence.

8. A settlement management system, characterized in that: include: The order acquisition module is used to receive order information and verify the validity of the order information to obtain valid order information; The bill template matching module is used to conduct risk assessment based on valid order information and obtain the risk assessment results of the order; the corresponding bill template, settlement verification method, transfer strategy, and transfer verification method are matched according to the risk assessment results of the order. Each order with a risk assessment result is preset with a matching bill template, settlement verification method, transfer strategy, and transfer verification method; The bill generation module is used to generate bills by combining order information and using matching bill templates; The settlement and transfer operation module is used to verify the generated bill content in combination with the order information, and to carry out settlement processing after the content of the settlement part of the bill passes the data integrity and consistency verification; after completing the accuracy verification of the settlement processing by using the matching settlement verification method, the content of the transfer part of the bill passes the data integrity and consistency verification, and passes the hierarchical accuracy verification of the transfer object and the security verification of the transfer object, and the transfer operation is carried out by using the matching transfer strategy; The transfer verification and invoice generation module is used to determine when the transfer is completed, complete the transfer verification using the matching transfer verification method, and generate the transfer invoice according to user needs after the transfer is successfully verified.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located is controlled to execute the method according to any one of claims 1 to 7.

10. A computer device, characterized in that: The computer device comprises a memory, a processor and a program stored and executable on the memory, and the program implements the steps of the method according to any one of claims 1 to 7 when executed by the processor.

Images