Bill processing method and device, electronic equipment and medium

Abstract

The invention provides a bill processing method which can be used in the financial field or other fields. The method comprises the following steps: a check machine scans and analyzes a bill stored by a user to obtain bill information; the check machine transmits the bill information to an intensive operation system; the intensive operation system processes the bill information to obtain transaction data; and the intensive operation system cashes the bill based on the transaction data and sends a processing result to the check machine. The invention further provides a bill processing device, equipment, a storage medium and a program product.

Description

Technical Field

[0001] The present disclosure relates to the financial field, and in particular, to a bill processing method, device, equipment, medium and program product. Background Art

[0002] Check machines are machines located in various bank branches that allow customers to deposit checks, promissory notes and other bills and cash them.

[0003] In the process of realizing the concept of the present disclosure, the inventors found that the current check machines are in an information island, and the bills deposited by customers through the check machines need to be manually entered and subsequently exchanged, resulting in a low degree of automation and slow processing speed for bill processing. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a bill processing method, apparatus, device, medium and program product.

[0005] According to the first aspect of the present disclosure, there is provided a bill processing method, comprising: a check machine scans and analyzes bills deposited by a user to obtain bill information; the check machine transmits the bill information to an intensive operation system; the intensive operation system processes the bill information to obtain transaction data; and the intensive operation system redeems the bill based on the transaction data and sends the processing result to the check machine.

[0006] According to an embodiment of the present disclosure, the bill information includes a bill image and a bill type, and the bill type includes a first bill, a second bill and an unidentified bill, wherein the first bill is a bill of an internal system and the second bill is a bill of an external system.

[0007] According to an embodiment of the present disclosure, the check machine scans the bill deposited by the user and analyzes it to obtain the bill information in the steps of: scanning the bill deposited by the user to obtain a bill image; based on the bill image, identifying the layout of the bill image; when the layout of the bill image is identified, determining whether the layout of the bill image is the same as a preset bill layout; when the layout of the bill image is the same as the preset bill layout, determining that the bill type of the bill is the first bill; and / or, when the layout of the bill image is different from the preset bill layout, determining that the bill type of the bill is the second bill.

[0008] According to an embodiment of the present disclosure, when the format of the bill image is not recognized, the bill type of the bill is determined to be an unrecognized bill.

[0009] According to an embodiment of the present disclosure, the steps of the intensive operation system processing the bill information to obtain transaction data include: cutting the bill image based on the bill type to obtain image fragments; and identifying transaction data in the image fragments.

[0010] According to an embodiment of the present disclosure, the step of cutting the bill image based on the bill type to obtain image fragments includes: when the bill type is a first bill, cutting the bill image according to fields to obtain image fragments; and / or, when the bill type is a second bill, cutting the bill image according to regions to obtain image fragments; and / or, when the bill type is an unrecognized bill, manually cutting the bill image to obtain image fragments.

[0011] According to an embodiment of the present disclosure, the ticket information also includes check machine information, and the check machine information is used to indicate the location of the check machine.

[0012] According to an embodiment of the present disclosure, before the step of the intensive operation system redeeming the bill based on the transaction data, it also includes: the intensive operation system reviews the transaction data; and when the review result is passed, the intensive operation system redeems the bill based on the transaction data.

[0013] According to an embodiment of the present disclosure, the method also includes: within each preset verification cycle, the check machine counts the number of bills deposited by the user, and calls a query interface to query the number of bills redeemed by the intensive operation system for the check machine; and when the number of deposited bills and the number of redeemed bills are the same, the intensive operation system switches the date of the check machine to the next working day.

[0014] According to an embodiment of the present disclosure, the method further includes: when the number of deposited bills is different from the number of redeemed bills, the check machine issues a risk warning.

[0015] The second aspect of the present disclosure provides a bill processing device, including: a scanning module, used to control the check machine to scan and analyze the bills deposited by the user to obtain bill information; a transmission module, used to control the check machine to transmit the bill information to the intensive operation system; a processing module, used to control the intensive operation system to process the bill information to obtain transaction data; and a result sending module, used to control the intensive operation system to redeem the bill based on the transaction data, and send the processing result to the check machine.

[0016] According to an embodiment of the present disclosure, the ticket information in the scanning module includes a ticket image and a ticket type, and the ticket type includes a first ticket, a second ticket and an unidentified ticket, wherein the first ticket is a ticket of an internal system and the second ticket is a ticket of an external system.

[0017] According to an embodiment of the present disclosure, the scanning module includes: a scanning unit, used to control the check machine to scan the bill deposited by the user to obtain a bill image; a first recognition unit, used to control the check machine to recognize the format of the bill image based on the bill image; a first judgment unit, used to control the check machine to determine whether the format of the bill image is the same as a preset bill format when the format of the bill image is recognized; a first determination unit, used to control the check machine to determine that the bill type of the bill is the first bill when the format of the bill image is the same as the preset bill format; and / or, a second determination unit, used to control the check machine to determine that the bill type of the bill is the second bill when the format of the bill image is different from the preset bill format.

[0018] According to an embodiment of the present disclosure, the scanning module further includes: a third determination unit, which is used to control the check machine to determine that the bill type of the bill is an unrecognized bill when the format of the bill image is not recognized.

[0019] According to an embodiment of the present disclosure, the processing module includes: a cutting unit, used to cut the bill image based on the bill type and control the intensive operation system to obtain image fragments; and a second identification unit, used to control the intensive operation system to identify transaction data in the image fragments.

[0020] According to an embodiment of the present disclosure, the cutting unit includes: a first cutting sub-module, which is used to control the intensive operation system to cut the bill image according to fields to obtain image fragments when the bill type is a first bill; and / or, a second cutting sub-module, which is used to control the intensive operation system to cut the bill image according to regions to obtain image fragments when the bill type is a second bill; and / or, a third cutting sub-module, which is used to manually cut the bill image to obtain image fragments when the bill type is an unrecognized bill.

[0021] According to an embodiment of the present disclosure, the ticket information in the scanning module also includes check machine information, and the check machine information is used to indicate the location of the check machine.

[0022] According to an embodiment of the present disclosure, the device also includes: a review module, used to control the intensive operation system to review the transaction data; and a redemption module, used to control the intensive operation system to redeem the bill based on the transaction data when the review result is passed.

[0023] According to an embodiment of the present disclosure, the device also includes: a statistical module, which is used to control the check machine to count the number of bills deposited by users within each preset verification cycle, and call a query interface to query the number of bills redeemed by the intensive operation system for the check machine; and a date switching module, which is used to control the intensive operation system to switch the date of the check machine to the next working day when the number of deposited bills is the same as the number of redeemed bills.

[0024] According to an embodiment of the present disclosure, the device further includes: a risk warning module, which is used to control the check machine to issue a risk warning when the number of deposited bills is different from the number of redeemed bills.

[0025] A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above method.

[0026] The fourth aspect of the present disclosure also provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the above method.

[0027] The fifth aspect of the present disclosure also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0028] One or more of the above-mentioned embodiments have the following advantages or beneficial effects: The bill processing method provided by the embodiments of the present disclosure incorporates the existing check machine into the intensive operation system, and through the interaction between the check machine and the intensive operation system, realizes the automatic redemption of the bills deposited by the user, realizes the connectivity of data flow and operation flow, solves the problem of "information island" of the check machine, improves the degree of automation of bill processing, speeds up the bill processing, and improves the accuracy of bill processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0030] Figure 1 A diagram schematically illustrates an application scenario of a bill processing method, apparatus, device, medium, and program product according to an embodiment of the present disclosure;

[0031] Figure 2 A flowchart of a bill processing method according to an embodiment of the present disclosure is schematically shown;

[0032] Figure 3 A flowchart for obtaining bill information according to an embodiment of the present disclosure is schematically shown;

[0033] Figure 4 A flowchart for obtaining transaction data according to an embodiment of the present disclosure is schematically shown;

[0034] Figure 5 A schematic diagram of a structure of a bill processing device according to an embodiment of the present disclosure is shown; and

[0035] Figure 6 A block diagram of an electronic device suitable for implementing a bill processing method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0036] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0037] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0038] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0039] When using expressions such as "at least one of A, B, and C, etc.", it should generally be interpreted in accordance with the meaning of the expression generally understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.). The terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Therefore, features defined as "first" and "second" may explicitly or implicitly include one or more of the said features.

[0040] In the technical solution of the present disclosure, the user information (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data are in compliance with the relevant laws, regulations and standards of the relevant countries and regions, necessary confidentiality measures are taken, public order and good morals are not violated, and corresponding operation portals are provided for users to choose to authorize or refuse. In the technical solution of the present disclosure, the user's authorization or consent is obtained before obtaining or collecting the user's personal information.

[0041] The intensive operation model refers to the effective aggregation of systems, processes, data, and personnel scattered across different organizational structures, geographical regions, and business lines of the bank, the establishment of standard workflows and data flows, and the improvement of business processing efficiency and quality through centralized operations, the reduction of labor costs, and the realization of process innovation and management innovation of commercial banks. Check machines are machines that are arranged in various bank branches and provide customers with the ability to deposit checks, promissory notes, and other bills for cashing. At present, check machines are in information islands, with problems of decentralized storage and isolated data. The bills deposited by customers through check machines need to be manually taken out from the check machines, and entered into the system one by one to register the deposit records, and then processed for subsequent cashing and submission, resulting in a low degree of automation and slow processing speed for bill processing.

[0042] In view of the above problems, an embodiment of the present disclosure provides a bill processing method, including: a check machine scans and analyzes the bills deposited by a user to obtain bill information; the check machine transmits the bill information to an intensive operation system; the intensive operation system processes the bill information to obtain transaction data; and the intensive operation system redeems the bill based on the transaction data and sends the processing result to the check machine. The bill processing method provided by the embodiment of the present disclosure incorporates the existing check machine into the intensive operation system, and through the interaction between the check machine and the intensive operation system, realizes the automatic redemption of the bills deposited by the user, realizes the connectivity of data flow and operation flow, solves the problem of "information island" of the check machine, improves the automation degree of bill processing, speeds up the bill processing, and improves the accuracy of bill processing.

[0043] It should be noted that the method and device disclosed herein can be used for bill processing in the financial field, and can also be used for bill processing in any field other than the financial field. The application field of the method and device for bill processing disclosed herein is not limited.

[0044] Figure 1 The application scenario diagram of the bill processing method, apparatus, device, medium and program product according to the embodiments of the present disclosure is schematically shown.

[0045] like Figure 1 As shown, the application scenario 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is used to provide a medium for a communication link between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0046] Users can use terminal devices 101, 102, 103 to interact with server 105 through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

[0047] The terminal devices 101 , 102 , and 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0048] The server 105 may be a server that provides various services, such as a background management server (only an example) that provides support for websites browsed by users using the terminal devices 101, 102, and 103. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0049] It should be noted that the bill processing method provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the bill processing device provided in the embodiment of the present disclosure can generally be set in the server 105. The bill processing method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105. Accordingly, the bill processing device provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105.

[0050] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0051] Figure 2 The flowchart of the bill processing method according to the embodiment of the present disclosure is schematically shown.

[0052] like Figure 2 As shown, the bill processing method of this embodiment includes operations S210 to S240.

[0053] In operation S210, the check machine scans and analyzes the bill deposited by the user to obtain bill information.

[0054] According to an embodiment of the present disclosure, the bill information includes a bill image and a bill type, and the bill type includes a first bill, a second bill, and an unidentified bill, wherein the first bill is a bill of an internal system, and the second bill is a bill of an external system. For example, the first bill may include a bank check and a bank promissory note, and the second system includes a non-bank bill. Different bill processing workflows will be initiated according to different bill types.

[0055] Figure 3 The flowchart of obtaining ticket information according to an embodiment of the present disclosure is schematically shown.

[0056] like Figure 3 As shown, the check machine of this embodiment scans and analyzes the bill deposited by the user, and the steps of obtaining the bill information at least include operation S310 to operation S340.

[0057] In operation S310, the bill deposited by the user is scanned to obtain a bill image. Optionally, the check machine scans the front and back of the bill respectively to obtain a bill image.

[0058] In operation S320, the format of the bill image is identified based on the bill image. For example, the format of the bill can be identified by using existing optical character recognition (OCR) technology. Since different types of bills have prescribed standard formats, the type of the bill can be determined by identifying the bill format.

[0059] In operation S330, when the format of the bill image is identified, it is determined whether the format of the bill image is the same as a preset bill format, wherein the preset format is a standard bill format.

[0060] When the format of the bill image is the same as the preset bill format, operation S340 is performed.

[0061] In operation S340, it is determined that the note type of the note is a first note.

[0062] It is understandable that when the format of the bill image is different from the preset bill format, that is, when the bill does not belong to the internal system, operation S350 is performed.

[0063] In operation S350, when the format of the bill image is different from the preset bill format, it is determined that the bill type of the bill is a second bill.

[0064] According to an embodiment of the present disclosure, when the format of the bill image is not recognized, the bill type of the bill is determined to be an unrecognized bill, and the unrecognized bill needs to be processed manually.

[0065] In operation S220, the check machine transmits the bill information to the centralized operation system. Optionally, the check machine can transmit the bill information to the centralized operation system through a data transmission interface. At the same time, for the convenience of transmission, the bill information can be transmitted in the form of a work package.

[0066] According to an embodiment of the present disclosure, the bill information also includes check machine information, and the check machine information is used to indicate the location of the check machine. For example, the check machine information includes the check machine terminal number and the branch number to which the check machine belongs, so that the centralized operation system can locate the check machine. For example, when transmitting the bill information, the check machine puts the image of the same bill into a work package, which is marked as B, and the bill type is marked on the work package, including the in-line check work package B(a), the in-line promissory note work package B(b), the out-of-line bill work package B(c), and the other unrecognized bill work package B(d). The check machine information includes the check machine terminal number n and the branch number m to which the check machine belongs. The data finally transmitted by the check machine to the centralized operation system are: in-line check work package B(a)(m, n), in-line promissory note work package B(b)(m, n), out-of-line bill work package B(c)(m, n), and other unrecognized bill work package B(d)(m, n).

[0067] In operation S230, the centralized operation system processes the ticket information to obtain transaction data.

[0068] Figure 4 A flowchart for obtaining transaction data according to an embodiment of the present disclosure is schematically shown.

[0069] like Figure 4 As shown, the centralized operation system of this embodiment processes the ticket information to obtain transaction data, including operations S410 to S420.

[0070] In operation S410, the bill image is cut based on the bill type to obtain image fragments.

[0071] According to an embodiment of the present disclosure, the step of cutting the bill image based on the bill type to obtain image fragments includes: when the bill type is a first bill, cutting the bill image according to fields to obtain image fragments; and / or, when the bill type is a second bill, cutting the bill image according to regions to obtain image fragments; and / or, when the bill type is an unrecognized bill, manually cutting the bill image to obtain image fragments. For example, after the intensive operation system receives the work package transmitted by the check machine, it starts the bill image cutting workflow, and then the intensive operation system performs image cutting according to the preset bill format. Taking the first bill as the bank's check and the bank's promissory note as an example, since the bill format of the internal system is fixed, the image cutting can be located to the field, so the bill image is cut according to the field to obtain image fragments; the second bill, that is, the non-bank bill, due to the difference in the details of the bill format, the image is cut to the region, and the bill image is cut according to the region to obtain image fragments; other unrecognized bills are cut by the manual bill image to obtain image fragments. It should be noted that, since different types of bills have a prescribed standard format, that is, the content displayed in the same area of ​​the bill is the same, the specific bill format details are slightly different. For example, for the bank's bills, the debit currency and the debit amount are displayed on the same line in the upper left corner, and for the non-bank bills, the debit currency and the debit amount are displayed in the upper and lower lines in the upper left corner. Therefore, when cutting the bank's bills, the correspondence between the fields and the image fragments in the first bill and the second bill will be different. For example, cutting according to the two fields of debit currency and debit amount will obtain two image fragments of debit currency and debit amount respectively, and one field corresponds to one image fragment, as shown in Tables 1 and 2; when cutting non-bank bills, cutting according to the area in the upper left corner will obtain an image fragment containing the debit currency and the debit amount, and two fields correspond to one image fragment, as shown in Table 3.

[0072] Table 1 Correspondence between fields and image fragments of our bank's checks

[0073] Field Name Fragment number Debit account Y(a)1 X(a)1 Debit currency Y(a)2 X(a)2 Debit amount Y(a)3 X(a)3 Debit voucher number Y(a)4 X(a)4 Credit account number Y(a)5 X(a)5 Credit currency Y(a)6 X(a)6

[0074] Table 2 Correspondence between fields and fragments of this bank's promissory note

[0075] Field Name Fragment number Debit account Y(b)1 X(b)1 Debit currency Y(b)2 X(b)2 Debit amount Y(b)3 X(b)3 Debit voucher number Y(b)4 X(b)4 Credit account number Y(b)5 X(b)5 Credit currency Y(b)6 X(b)6

[0076] Table 3. Correspondence between fields and fragments of lay bills

[0077] Field Name Fragment number Debit currency Y(c)2 X(c)1 Debit amount Y(c)3 X(c)1 Debit account Y(c)1 X(c)2 Debit voucher number Y(c)4 X(c)2 Input bank exchange number Y(c)7 X(c)2 Credit account number Y(c)5 X(c)3 Credit currency Y(c)6 X(c)3

[0078] In operation S420, the transaction data in the image fragments are identified. For example, after the bill image is cut, the cut image is defined as image fragments X(a / b / c)1, X(a / b / c)2...X(a / b / c)n. Then the intensive operation system starts the data entry workflow, uses the OCR optical character recognition technology to identify the image fragments, and obtains the field data, that is, the transaction data, wherein the transaction data includes the debit currency, debit amount, debit account number, debit voucher number, bank exchange number, credit account number and credit currency. Then the transaction data is entered into the corresponding bill field Y(a / b / c)n of the intensive operation system. Among them, the OCR entry rules are entered based on the correspondence between different types of bill fields and fragments. The specific entry rules are: for the bills of this bank, one field corresponds to one image fragment; for the bills of other banks, one area corresponds to one impact fragment, wherein one area contains at least one field. For data that cannot be recognized by OCR, the system automatically transfers it to manual processing, and the fragment entry personnel make professional judgments and enter it manually. In addition, for bills whose type is unrecognized, the system directly transfers them to manual processing, and the fragment entry personnel professionally judge the bill type based on the bill image, manually enter the field data and submit it to the system. In addition, the fragment verification link can be embedded in the data entry workflow of the intensive operation system, and a fragment verification post can be set up to review whether the entered field data is accurate based on the bill image.

[0079] In operation S240, the centralized operation system cashes the bill based on the transaction data and sends the processing result to the check machine. The corresponding cashing transaction is executed according to different bill types. For example, for checks of this bank, the cashing transaction workflow of this bank's checks is executed; for promissory notes of this bank, the cashing transaction workflow of this bank's promissory notes is executed; for non-bank bills, the non-bank bill cashing transaction workflow is executed. After the execution of the cashing transaction workflow, the centralized operation system sends the result of whether the cashing process is completed to the check machine to prompt the user. In addition, the transaction data of the bill field Y(a / b / c)n can be automatically collected by using Robotic Process Automation (RPA) technology, and filled into the bill cashing transaction interface. After the transaction data is filled in, it is automatically submitted to the system, which can further speed up the processing speed compared to manual filling.

[0080] The bill processing method provided by the embodiment of the present disclosure incorporates the existing check machine into the intensive operation system, and through the interaction between the check machine and the intensive operation system, realizes the automatic redemption of the bills deposited by the user, realizes the connectivity of data flow and operation flow, solves the problem of "information island" of the check machine, improves the degree of automation of bill processing, speeds up the bill processing, and improves the accuracy of bill processing.

[0081] According to an embodiment of the present disclosure, before the step of the intensive operation system redeeming the bill based on the transaction data, it also includes: the intensive operation system reviews the transaction data; and when the review result is passed, the intensive operation system redeems the bill based on the transaction data. For example, a review process can be set in the bill redemption workflow, and for transactions submitted by robotic process automation technology, the system automatically assigns the transaction status to "pending review". The review post reviews the transaction category and input data contained in the transaction interface. When the review is passed, the system automatically updates the transaction status to "reviewed" and the bill status to "redeemed", deposits the bill amount into the credit account, and registers the bill redemption record and the check machine terminal number and the branch number (m, n) of the bill source.

[0082] According to an embodiment of the present disclosure, the method also includes: within each preset verification cycle, the check machine counts the number of bills deposited by the user, and calls a query interface to query the number of bills redeemed by the intensive operation system for the check machine; and when the number of deposited bills and the number of redeemed bills are the same, the intensive operation system switches the date of the check machine to the next working day.

[0083] According to an embodiment of the present disclosure, the method further includes: when the number of deposited bills is different from the number of redeemed bills, the check machine issues a risk warning.

[0084] For example, in order to ensure transaction security, the check machine will start the bill verification workflow at a fixed time, for example, at the end of each day, automatically count the various types of physical bills in the machine. The total number of bills in the check machine is recorded as M, and the number of each type of bill is recorded as M (a / b / c / d); the check machine calls the query interface to query the total number of bills cashed by the check machine registered in the intensive operation system, record it as N, and the number of each type of bill is recorded as N (a / b / c / d), and check the two. If there is a quantity deviation, the check machine automatically warns the branch outlets, and the system controls that the check machine cannot be cut to the next working day. If the verification is correct and the quantity is consistent, the business personnel take out the bills from the check machine, put the bank's bills into the warehouse, and take the non-bank bills to the bill exchange. Among them, the intensive operation system handles the work of the check machine's daily cutting, that is, switching the date of the check machine to the next working day. According to the deadline of the bill exchange business, the deadline for the check machine's deposit processing on the same day is set in the intensive operation system. When the deadline arrives, the system automatically starts the check machine's daily cutting workflow and switches the date of the check machine to the next working day. At this time, the bills deposited in the check machine can run the bill type judgment workflow and bill data transmission workflow, while the bill image cutting workflow, data entry workflow, bill redemption workflow, etc. of the intensive operation system will be processed on the next working day. For check machines with inconsistent verification results in the bill verification workflow, automatic daily cutting fails and manual daily cutting is required after verification by business personnel.

[0085] Based on the above-mentioned bill processing method, the present disclosure also provides a bill processing device. Figure 5 The device is described in detail.

[0086] Figure 5 The structural block diagram of the bill processing device according to the embodiment of the present disclosure is schematically shown.

[0087] like Figure 5 As shown, the bill processing device 500 of this embodiment includes a scanning module 510 , a transmission module 520 , a processing module 530 and a result sending module 540 .

[0088] The scanning module 510 is used to control the check machine to scan and analyze the bills deposited by the user to obtain bill information. In one embodiment, the scanning module 510 can be used to perform the operation S210 described above, which will not be repeated here.

[0089] The transmission module 520 is used to control the check machine to transmit the bill information to the centralized operation system. In one embodiment, the transmission module 520 can be used to perform the operation S220 described above, which will not be described in detail here.

[0090] The processing module 530 is used to control the centralized operation system to process the ticket information to obtain transaction data. In one embodiment, the processing module 530 can be used to perform the operation S230 described above, which will not be described in detail here.

[0091] The result sending module 540 is used to control the centralized operation system to cash the bill based on the transaction data and send the processing result to the check machine. In one embodiment, the result sending module 540 can be used to perform the operation S240 described above, which will not be repeated here.

[0092] According to an embodiment of the present disclosure, the ticket information in the scanning module includes a ticket image and a ticket type, and the ticket type includes a first ticket, a second ticket and an unidentified ticket, wherein the first ticket is a ticket of an internal system and the second ticket is a ticket of an external system.

[0093] According to an embodiment of the present disclosure, the scanning module includes: a scanning unit, used to control the check machine to scan the bill deposited by the user to obtain a bill image; a first recognition unit, used to control the check machine to recognize the format of the bill image based on the bill image; a first judgment unit, used to control the check machine to determine whether the format of the bill image is the same as a preset bill format when the format of the bill image is recognized; a first determination unit, used to control the check machine to determine that the bill type of the bill is the first bill when the format of the bill image is the same as the preset bill format; and / or, a second determination unit, used to control the check machine to determine that the bill type of the bill is the second bill when the format of the bill image is different from the preset bill format.

[0094] According to an embodiment of the present disclosure, the scanning module further includes: a third determination unit, which is used to control the check machine to determine that the bill type of the bill is an unrecognized bill when the format of the bill image is not recognized.

[0095] According to an embodiment of the present disclosure, the processing module includes: a cutting unit, used to cut the bill image based on the bill type and control the intensive operation system to obtain image fragments; and a second identification unit, used to control the intensive operation system to identify transaction data in the image fragments.

[0096] According to an embodiment of the present disclosure, the cutting unit includes: a first cutting sub-module, which is used to control the intensive operation system to cut the bill image according to fields to obtain image fragments when the bill type is a first bill; and / or, a second cutting sub-module, which is used to control the intensive operation system to cut the bill image according to regions to obtain image fragments when the bill type is a second bill; and / or, a third cutting sub-module, which is used to manually cut the bill image to obtain image fragments when the bill type is an unrecognized bill.

[0097] According to an embodiment of the present disclosure, the ticket information in the scanning module also includes check machine information, and the check machine information is used to indicate the location of the check machine.

[0098] According to an embodiment of the present disclosure, the device also includes: a review module, used to control the intensive operation system to review the transaction data; and a redemption module, used to control the intensive operation system to redeem the bill based on the transaction data when the review result is passed.

[0099] According to an embodiment of the present disclosure, the device also includes: a statistical module, which is used to control the check machine to count the number of bills deposited by users within each preset verification cycle, and call a query interface to query the number of bills redeemed by the intensive operation system for the check machine; and a date switching module, which is used to control the intensive operation system to switch the date of the check machine to the next working day when the number of deposited bills is the same as the number of redeemed bills.

[0100] According to an embodiment of the present disclosure, the device further includes: a risk warning module, which is used to control the check machine to issue a risk warning when the number of deposited bills is different from the number of redeemed bills.

[0101] According to an embodiment of the present disclosure, any multiple modules of the scanning module 510, the transmission module 520, the processing module 530 and the result sending module 540 can be combined in one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the scanning module 510, the transmission module 520, the processing module 530 and the result sending module 540 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in a suitable combination of any of them. Alternatively, at least one of the scanning module 510 , the transmission module 520 , the processing module 530 and the result sending module 540 may be at least partially implemented as a computer program module, and when the computer program module is executed, a corresponding function may be performed.

[0102] Figure 6 A block diagram of an electronic device suitable for implementing a bill processing method according to an embodiment of the present disclosure is schematically shown.

[0103] like Figure 6 As shown, the electronic device 600 according to an embodiment of the present disclosure includes a processor 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 into a random access memory (RAM) 603. The processor 601 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 601 may also include an onboard memory for caching purposes. The processor 601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0104] In RAM 603, various programs and data required for the operation of electronic device 600 are stored. Processor 601, ROM 602 and RAM 603 are connected to each other via bus 604. Processor 601 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 602 and / or RAM 603. It should be noted that the program can also be stored in one or more memories other than ROM 602 and RAM 603. Processor 601 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0105] According to an embodiment of the present disclosure, the electronic device 600 may further include an input / output (I / O) interface 605, which is also connected to the bus 604. The electronic device 600 may further include one or more of the following components connected to the I / O interface 605: an input portion 606 including a keyboard, a mouse, etc.; an output portion 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 608 including a hard disk, etc.; and a communication portion 609 including a network interface card such as a LAN card, a modem, etc. The communication portion 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed into the storage portion 608 as needed.

[0106] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0107] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 602 and / or RAM 603 described above and / or one or more memories other than ROM 602 and RAM 603.

[0108] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the method of the embodiment of the present disclosure.

[0109] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 601. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0110] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 609, and / or installed from a removable medium 611. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0111] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 609, and / or installed from the removable medium 611. When the computer program is executed by the processor 601, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, apparatus, module, unit, etc. described above can be implemented by a computer program module.

[0112] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0113] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0114] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0115] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A bill processing method, characterized in that: include: The check machine scans and analyzes the notes deposited by the user to obtain the note information; The check machine transmits the bill information to the centralized operation system; The centralized operation system processes the bill information to obtain transaction data; as well as The centralized operation system cashes the bill based on the transaction data and sends the processing result to the check machine.

2. The method according to claim 1, characterized in that The bill information includes a bill image and a bill type, and the bill type includes a first bill, a second bill, and an unidentified bill, wherein the first bill is a bill of an internal system, and the second bill is a bill of an external system.

3. The method according to claim 2, characterized in that The steps of scanning and analyzing the bill deposited by the user to obtain the bill information include: Scanning the bill deposited by the user to obtain a bill image; Based on the bill image, identifying the format of the bill image; When the format of the bill image is identified, determining whether the format of the bill image is the same as a preset bill format; When the format of the bill image is the same as the preset bill format, determining that the bill type of the bill is a first bill; and / or, When the format of the bill image is different from the preset bill format, it is determined that the bill type of the bill is a second bill.

4. The method according to claim 3, characterized in that When the format of the bill image is not recognized, the bill type of the bill is determined to be an unrecognized bill.

5. The method according to claim 2, characterized in that: The step of the intensive operation system processing the bill information to obtain transaction data includes: Cutting the bill image based on the bill type to obtain image fragments; and Transaction data is identified in the image fragments.

6. The method according to claim 5, characterized in that The step of cutting the bill image based on the bill type to obtain image fragments comprises: When the bill type is a first bill, cutting the bill image according to fields to obtain image fragments; and / or, When the bill type is the second bill, cutting the bill image according to regions to obtain image fragments; and / or, When the bill type is an unrecognized bill, the bill image is manually cut to obtain image fragments.

7. The method according to claim 2, characterized in that The ticket information also includes check machine information, and the check machine information is used to indicate the location of the check machine.

8. The method according to claim 1, characterized in that Before the step of cashing the bill based on the transaction data, the centralized operation system further includes: The centralized operation system reviews the transaction data; and When the review result is passed, the centralized operation system redeems the bill based on the transaction data.

9. The method according to claim 1, characterized in that: The method further comprises: In each preset verification cycle, the check machine counts the number of bills deposited by the user, and calls the query interface to query the number of bills cashed by the intensive operation system for the check machine; and When the number of deposited bills is the same as the number of redeemed bills, the centralized operation system switches the date of the check machine to the next working day.

10. The method according to claim 9, characterized in that The method further comprises: When the number of deposited bills is different from the number of redeemed bills, the check machine issues a risk warning.

11. A bill processing device, comprising: The scanning module is used to control the check machine to scan and analyze the bills deposited by the user to obtain the bill information; A transmission module, used for controlling the check machine to transmit the bill information to the centralized operation system; A processing module, used to control the centralized operation system to process the bill information to obtain transaction data; as well as The result sending module is used to control the centralized operation system to redeem the bill based on the transaction data and send the processing result to the check machine.

12. An electronic device comprising: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors are enabled to execute the method according to any one of claims 1 to 10.

13. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the method according to any one of claims 1 to 10.

14. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the method according to any one of claims 1 to 10 is implemented.

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