Human resource business fund settlement processing method

Abstract

The invention belongs to the technical field of human resource service. The human resource business fund settlement processing method comprises the following steps: acquiring a plurality of payment orders of a business system to obtain a payment order list; according to a preset clearing rule, splitting the payment order list to obtain a payment packet, the payment packet at least comprising information required by a payment transaction; according to the payment packet, applying for payment from the bank; according to preset timed polling, obtaining a receipt of payment applied by the bank; and storing the receipt, and feeding back the payment result to the business system. According to the method, the multiple payment receipts can be split into the payment packets, payment is applied to the bank according to the payment packets, and the obtained bank receipts can be stored and fed back in a matched mode. And the payment settlement efficiency is greatly improved. The key payment information in the whole business process cannot be modified, the operation information is completely traced, the operation risks such as manual tampering are effectively reduced, and the safety performance is greatly improved.

Description

Technical Field

[0001] The present application belongs to the technical field of human resources services, and in particular, relates to a method for processing human resources business fund settlement. Background Art

[0002] The fund settlement business of the human resources service industry mainly involves the payment of funds such as salary, social insurance, provident fund, welfare security fees, etc., and has the characteristics of expenditure determined by income, large payment settlement volume, relatively concentrated payment time, high payment timeliness requirements, and large amount of working capital.

[0003] At present, there are many cases in this field where the collection process manually imports the online banking flow into the business system to claim the incoming funds, and the payment process manually exports the payment slip according to the online banking template of each bank on the business system side and imports it into the online banking for payment. The entire settlement business process consumes a lot of manpower, manual participation has a high capital risk, and the systems are fragmented, historical business is difficult to trace, and business and financial reconciliation is difficult. Summary of the invention

[0004] Based on this, it is necessary to provide a human resources business funds settlement processing method to solve the above technical problems.

[0005] In a first aspect, the present application provides a method for processing human resources business fund settlement, the method comprising:

[0006] Get multiple payment slips from the business system and obtain a list of payment slips;

[0007] According to a preset clearing rule, the payment order list is split to obtain a payment package, wherein the payment package at least includes information required for the payment transaction;

[0008] Applying for payment from the bank according to the payment package;

[0009] According to the preset timed polling, obtain the receipt of the bank's payment application;

[0010] The receipt is saved and the payment result is fed back to the business system.

[0011] In some practicable manners, the step of obtaining multiple payment slips from the business system and obtaining a payment slip list includes:

[0012] Obtaining a payment slip having a header and a body generated by the business system;

[0013] Combine the multiple payment slips to obtain the payment slip list.

[0014] In some practicable methods, the step of splitting the payment order list according to a preset clearing rule to obtain a payment package includes:

[0015] Acquire a plurality of splitting rules, wherein the splitting rules include conditions for splitting the payment order list;

[0016] Assign a weight to each clearing rule to obtain the weight of each clearing rule;

[0017] According to the plurality of said clearing sub-rules and the weight of each of said clearing sub-rules, the said clearing rule is obtained, wherein the said clearing rule includes the plurality of said clearing sub-rules, and the plurality of said clearing sub-rules are sorted according to the weight;

[0018] According to the clearing rules, the payment order list is split to obtain a payment package.

[0019] In some practicable ways, the step of applying for payment from the bank according to the payment package includes:

[0020] Determine the approval process according to the payment package, wherein the payment package includes at least one of the payment order application subject, payment amount, business type and payment channel;

[0021] Obtain the maximum number of transactions received by the bank's interface;

[0022] Obtain payment splitting information according to the maximum number of transactions received by the bank's interface and the approval result of the approval process;

[0023] Splitting the multiple payment packages according to the payment splitting information to obtain multiple split packages to be paid;

[0024] Apply for payment from the bank for the multiple split packages to be paid.

[0025] In some practicable manners, the step of obtaining the receipt of the bank's payment application according to a preset timed polling includes:

[0026] Obtaining interface performance parameters of the bank and performance parameters of the treasury system;

[0027] Determining the time interval of the scheduled polling according to the interface performance parameters of the bank and the performance parameters of the treasury system;

[0028] According to the time interval of the scheduled polling, the receipt of the bank's payment application is obtained to obtain the bank's receipt.

[0029] In some practicable methods, the step of saving the receipt and feeding back the payment result to the business system includes:

[0030] The bank receipt is stored and matched with the transaction records of the multiple split packages to be paid to obtain a matching result;

[0031] According to the matching result, the receipt corresponding to the payment order is fed back to the business system.

[0032] In a second aspect, the present application provides a human resources business fund settlement processing system, which is applied to the aforementioned human resources business fund settlement processing method, and the system includes:

[0033] An acquisition unit is used to acquire multiple payment orders from the business system and obtain a payment order list;

[0034] A splitting unit, used to split the payment order list according to a preset clearing rule to obtain a payment package, wherein the payment package includes information required for the payment transaction;

[0035] A payment unit, used for applying for payment from the bank according to the payment package;

[0036] A receipt unit, used to obtain a receipt of the bank's payment application according to a preset timed polling;

[0037] The storage feedback unit is used to save the receipt and feed back the payment result to the business system.

[0038] In a third aspect, the present application provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the aforementioned method when executing the computer program.

[0039] In a fourth aspect, the present application provides a computer storage medium having a computer program stored thereon, characterized in that the computer program implements the steps of the aforementioned method when executed by a processor.

[0040] In a fifth aspect, the present application provides a computer program, which implements the steps of the aforementioned method when executed by a processor.

[0041] Beneficial effects: The present application provides a method for processing funds settlement for human resources business, which obtains multiple payment slips from a business system and obtains a list of payment slips; splits the list of payment slips according to preset clearing rules to obtain a payment package, wherein the payment package at least includes the information required for the payment transaction; applies for payment from the bank according to the payment package; obtains the receipt of the bank's application for payment according to a preset timed polling; saves the receipt and feeds back the payment result to the business system. The above method can split multiple payment slips into payment packages, apply for payment from the bank according to the payment package, and can also store and match the obtained bank receipts. Greatly improve payment settlement efficiency. The key payment information of the entire business process cannot be modified, and all operation information is recorded, which effectively reduces operational risks such as human tampering and greatly improves security and efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the conventional technology, the drawings required for use in the embodiments or the conventional technology descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0043] Figure 1 The present invention is a flowchart of a method for processing human resources business fund settlement in one embodiment.

[0044] Figure 2 A flow acquisition and sharing logic diagram of a human resources business funds settlement processing method in an embodiment.

[0045] Figure 3 A logic diagram for obtaining and sharing receipts of a method for processing human resources business funds settlement in one embodiment.

[0046] Figure 4 A schematic diagram of a human resources business funds settlement processing method in an embodiment for claiming funds from customers after obtaining transaction flow.

[0047] Figure 5 A schematic diagram of a list of to-be-paid items of a method for processing human resources business fund settlement in an embodiment.

[0048] Figure 6 A schematic diagram of an electronic receipt query for a method for processing human resources business funds settlement in an embodiment. DETAILED DESCRIPTION

[0049] In order to facilitate understanding of the present application, the present application will be described more fully below with reference to the relevant drawings. Embodiments of the present application are provided in the drawings. However, the present application can be implemented in many different forms and is not limited to the embodiments described herein. On the contrary, the purpose of providing these embodiments is to make the disclosure of the present application more thorough and comprehensive.

[0050] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein in the specification of this application are only for the purpose of describing specific embodiments and are not intended to limit this application. The term "and / or" used herein includes any and all couplings of one or more related listed items.

[0051] It can be understood that the terms "first", "second", etc. used in the present application can be used in this article to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish the first element from another element.

[0052] Some terms involved in this application are explained below to facilitate understanding of this application:

[0053] Treasury Management System is an information system used by enterprises to manage their financial activities, especially those related to capital flow, risk control, cash flow and financing.

[0054] API (Application Programming Interface) is a set of predefined functions, protocols, and tools for building software applications.

[0055] SFTP (Secure File Transfer Protocol) server is a server that implements the secure file transfer protocol, which allows users to securely transfer files over an encrypted network connection. SFTP is a network protocol used to provide secure and reliable file access, transfer, and management capabilities between clients and servers.

[0056] RPA (Robotic Process Automation) is a technology that allows repetitive business process tasks to be automated and executed through software robots or "bots". These software robots can simulate human users' interactions with digital systems and applications, performing tasks such as data entry, data migration, file processing, and application updates.

[0057] In the human resources service industry, fund settlement business is a core financial activity, which covers a variety of fund payments such as salary payment, social insurance, housing provident fund and welfare security expenses. These payment activities have several significant characteristics: first, the scale of payment is usually large, and a large number of transactions need to be processed; second, payment activities often occur in a specific time period, resulting in a surge in capital flow in a short period of time; third, there are strict requirements for the timeliness of payment to ensure that employees and other stakeholders can receive funds on time; finally, the entire industry has a large demand for capital liquidity, and effective capital management is required to maintain daily operations.

[0058] However, the current settlement process has some obvious shortcomings. In the collection stage, staff need to manually import the transaction records of online banking into the business system in order to identify and attribute the funds. In the payment stage, staff need to manually export payment documents according to the online banking templates of various banks and import these documents into online banking to complete the payment. This process not only consumes a lot of human resources, but also increases the risk of fund operations due to the intervention of manual operations. In addition, due to the lack of effective integration between various systems, historical business data is difficult to track, which brings difficulties to financial reconciliation and affects the accuracy and efficiency of financial management.

[0059] Therefore, there is an urgent need for an automated and integrated solution to optimize this process and improve the efficiency and security of fund settlement.

[0060] This application provides a method for processing funds settlement for human resources business, connecting various banks, internal core businesses and financial accounting, and processing the entire process of "collection, order recognition, review, payment, accounting, and archiving" in a closed-loop online manner. By automatically obtaining bank transaction flow, automatic payment, automatic bill matching, and automatic generation of accounting vouchers, the payment and settlement efficiency is greatly improved. The key payment information of the entire business process cannot be modified, and the operation information is fully recorded, which effectively reduces the operational risks such as human tampering and greatly improves security and efficiency.

[0061] This application introduces the functions of payment package and pending list (payment order list), and clears business documents through the pending list function. The business system pushes the settlement needs of public payment, reimbursement, salary payment, etc. to the treasury system in the form of payment package for payment. The payment package supports multiple receipt details under one payer. For the payment package pushed by the business system, the treasury system supports automatic matching according to the business type or manual selection of payment type, payment channel and bank-enterprise direct payment interface by the cashier, and realizes the full process of payment request sending, payment status synchronization, flow synchronization, bank electronic receipt synchronization, payment order and flow, electronic receipt matching and other functions. Online and automated. For offline online banking payment business, it supports the processing of source business data format, generates online banking payment import files of different styles according to different payment banks, and supports batch uploading of payment results after successful online banking payment, and automatically completes the payment result update according to the account, name, summary, amount and other information of the payee and payee, reducing the workload of human intervention and manual data sorting.

[0062] By implementing the settlement function of the treasury system, the main problem is the online processing of large-volume and high-concurrency payment business and the automatic acquisition and automatic association of subsequent payment status, transaction flow, and electronic receipt. By integrating with the business system, the human intervention link of the entire payment chain is reduced, payment efficiency is improved, and financial risks are reduced.

[0063] like Figure 1 As shown, in the first aspect, the present application provides a method for processing human resources business fund settlement, the method comprising:

[0064] S100, obtaining multiple payment slips from the business system and obtaining a payment slip list.

[0065] Specifically, obtaining the payment order list includes the following steps:

[0066] S101, obtaining a payment slip having a header and a body generated by the business system.

[0067] S102, combining the plurality of payment slips to obtain the payment slip list.

[0068] It should be noted that the multiple payment slips generated by the business system can be individuals, departments, subsidiaries, etc. as the subject, and the payment slips formed, wherein the payment slips at least include a header and a body, the header may include the payee information, and the body may include the payee details. In this way, when business personnel make payment slips in the business system, they do not need to specify the settlement method and payment channel, which simplifies the workload of business personnel and reduces the possibility of operational errors. After the business personnel have completed the payment slip, they can send it to the treasury system through the system integration interface. After receiving the payment slip, the treasury system combines multiple payment slips to form a payment slip list for use in subsequent steps. The order of the payment slips included in the payment slip list can be sorted according to the creation or reception time.

[0069] Exemplarily, the payer information may include the payer name, payment account number, payment amount, payment date, etc. The payee details may include the payee name, payment account number, amount, transaction description, etc. Payment orders may be initiated by different entities, such as individual employees, departments, subsidiaries, etc., to meet different payment needs.

[0070] S200, splitting the payment order list according to a preset clearing rule to obtain a payment package.

[0071] The payment package at least includes information required for the payment transaction.

[0072] The payment order list is split to split the transactions in the payment order list into smaller payment units, namely payment packages, according to specific conditions to meet different payment needs and optimize the payment process.

[0073] Specifically, obtaining the payment package may include the following steps:

[0074] S201, obtaining multiple clearing rules.

[0075] The splitting rules include conditions for splitting the payment order list.

[0076] S202, assigning a weight to each clearing sub-rule to obtain the weight of each clearing sub-rule.

[0077] S203, obtaining the clearing rule according to the plurality of clearing sub-rules and the weight of each of the clearing sub-rules.

[0078] The clearing rules include a plurality of clearing sub-rules, and the plurality of clearing sub-rules are sorted according to weights.

[0079] S204: split the payment order list according to the clearing rule to obtain a payment package.

[0080] It should be noted that for the payment orders in the payment order list, it is defined which transactions in the payment order list should be classified into the same payment package. The classification standard is the clearing sub-rule, which may include the applicant, payment amount, business type and payment channel. According to different business needs and payment strategies, multiple clearing sub-rules may be required to cover various situations. For example, there are three payment orders in the payment order list, namely the first payment order, the second payment order and the third payment order. The first payment order and the second payment order have the same business type, the second payment order and the third payment order have the same payment account, and the payment amount of the third payment order and the first payment order is in the same amount range. In this way, when a payment package needs to be formed, how to determine which two payment orders are used as a payment package needs to be determined according to the weight of the clearing sub-rule, that is, each clearing sub-rule needs to be given a weight so that the clearing sub-rule with a higher weight is given priority to form a payment package for payment, wherein the weight of the clearing sub-rule can be allocated according to factors such as business priority, payment cost, and processing time.

[0081] It should also be noted that the clearing rule is the final rule that combines multiple clearing sub-rules, which determines how the payment order is split. The clearing sub-rules are sorted according to weights to ensure that more important rules are given priority during the clearing process. Next, the payment order transactions in the payment order list can be split into multiple payment packages according to the clearing rules. It should be noted that each payment package contains at least all the necessary information required to complete the payment transaction, such as payer information, payee information, amount, payment channel, etc. Through the clearing rules, payment packages can be generated according to different payment strategies, such as giving priority to high-priority payments or the most cost-effective payments. In addition, clearing rules can help identify and avoid payment risks, such as avoiding exceeding the bank's single payment limit. The automated clearing process reduces manual errors while ensuring that payment operations meet internal and external compliance requirements. Through this process, the treasury system can flexibly handle complex payment requirements while ensuring the efficiency and security of payment operations. The generation of payment packages provides the basis for subsequent payment execution, accounting and reconciliation.

[0082] S300: Apply for payment from the bank according to the payment package.

[0083] The treasury system initiates a payment request to the bank based on the generated payment package. The payment package contains all the key information required to complete the payment, such as the payer's account, the payee's account, the amount, the payment channel, etc. The purpose of this step is to ensure that the payment request meets the bank's requirements and can be executed smoothly.

[0084] Specifically, according to the payment package, applying for payment from the bank may include the following steps:

[0085] S301, determining the approval process according to the payment package.

[0086] The payment package includes at least one of the payment order application entity, payment amount, business type and payment channel.

[0087] Specifically, before applying for payment from the bank, the treasury system needs to determine the corresponding approval process based on the information in the payment package, such as the payment order application entity, payment amount, business type and payment channel.

[0088] It should be noted that the payment order application subject, payment amount, business type and payment channel can all be used as a parameter to form a risk matrix. The evaluation results of the risk matrix can be used to determine the corresponding approval process, such as through keyword matching. In addition, it can also be achieved through the following steps:

[0089] S3011, the payment order application entity, payment amount, business type and payment channel, as well as the partner's credit are formed into different dimensions, each of which corresponds to a potential risk factor, forming a strong correlation.

[0090] S3012, for each dimension, define specific evaluation criteria to obtain the evaluation criteria for each dimension, where the amount can be set to small, medium, large and other levels; the business type can be classified according to the risk sensitivity of the business; the credit of the partner (payee) can be divided according to historical transaction performance and credit rating.

[0091] S3013, assign weights to each dimension to obtain the weight of each dimension. Different dimensions have different impacts on the overall risk. Therefore, a weight needs to be assigned to each dimension to reflect the importance of each dimension in risk assessment. The weight assignment can be based on conventional methods such as historical data analysis, expert opinions, or risk management strategies. In addition, it is necessary to ensure that the weights of all dimensions add up to a fixed value, such as 1 or 100%, so that the calculation of risk scores can be standardized.

[0092] S3014, weight calculation is performed according to the weight of each payment in each dimension to obtain a comprehensive risk score, wherein for each payment, a comprehensive risk score is calculated according to the performance in each dimension combined with the corresponding weight. The calculation method can be implemented through mathematical formulas or algorithms, such as weighted average method.

[0093] S3015, determine the approval process based on the comprehensive risk score, wherein the payment request is matched to the corresponding approval process based on the risk score, that is, based on the risk score, a risk threshold corresponding approval process is pre-built, so that different risk thresholds can be set to correspond to different approval levels. For example, low-risk payments may only require basic approval, medium-risk payments require intermediate approval, and high-risk payments require advanced approval or multiple approvals. This application does not limit how to conduct approval.

[0094] In summary, building a risk matrix for the treasury system not only helps identify and manage payment risks, but also ensures the rationality and effectiveness of the approval process. This approach improves the security of payment processing while also optimizing the allocation of approval resources.

[0095] S302, obtaining the maximum number of transactions that can be received by the bank's interface.

[0096] Specifically, different bank interfaces may have different processing mechanisms. For example, the maximum number of transactions that can be processed by a single transaction. The treasury system needs to obtain this information to ensure that the payment request does not exceed the processing capacity of the bank interface. Therefore, it is necessary to obtain the bank's technical interface documentation (the bank provides the interface documentation) and other methods to obtain the maximum number of transactions that the bank's interface can receive.

[0097] S303, obtaining payment splitting information according to the maximum number of transactions received by the bank's interface and the approval result of the approval process.

[0098] Specifically, after knowing the maximum number of transactions that the bank's interface can accept and whether the payment request has been approved, the servo system will use this information to determine whether it is necessary to split a large amount of payment or a large number of payment requests into multiple smaller payment split information, i.e., smaller payment packages. This process needs to take into account the bank's restrictions and business needs to ensure payment efficiency and compliance.

[0099] S304: Split the multiple payment packages according to the payment splitting information to obtain multiple split packages to be paid.

[0100] Specifically, if necessary, the treasury system will split the original payment package into multiple smaller packages to be paid according to the payment split information. Each split package to be paid is independent and contains all the information required to complete the payment. This step ensures that even if the payment needs to be split, each payment request can meet the bank's requirements and can be processed correctly.

[0101] S305, applying for payment from the bank for the multiple split packages to be paid.

[0102] Specifically, the treasury system submits these split packages to be paid to the bank for payment processing. This step involves interacting with the bank's automated interface, such as API calls, to ensure that the payment request is correctly sent and processed. The treasury system will track the status of each package to be paid in subsequent steps to ensure that the payment is successfully executed and perform error handling or retries when necessary. It is understandable that this application does not improve the conventional way of applying for payment from the bank.

[0103] It should be noted that the method of splitting the payment package into packages to be paid may include the following steps:

[0104] According to the payment package, determine the number of payment requests in the payment package;

[0105] Compare the number of payment requests with the maximum number of transactions that the bank's interface can accept:

[0106] If the number of payment requests is greater than the maximum number of payments that the bank's interface can accept, then:

[0107] For each payee account x, check its payment request quantity |P x |;

[0108] For each payee account x, if its payment request is added to the current payment package B i The maximum number of received transactions n will not be exceeded, then the payment request is added to B i middle;

[0109] If the number of payment requests for adding the payee account x exceeds the maximum number of received transactions n, a new payment package B is created. i+1 , and P x Add to B i+1 middle.

[0110] The goal is to assign P to different B i So that each B i The number of payment requests in does not exceed n. Therefore, the calculation formula is:

[0111] B i =B i ∪P x if|B i |+|P x |≤n

[0112] For each payee account x, x can be payee account A, payee account B, payee account C, payee account D, etc. B1, B2, B3, etc. are the numbers of the generated packages to be paid. |B i | indicates package B to be paid i The number of payment requests in |P x| represents the number of payment requests of the payee account x; P is the total number of payment requests in the original payment package; n is the maximum number of transactions received by the bank interface.

[0113] For example, if n=50, P A =30, P B =20, P C =10,P D =10, according to the above formula and steps, we get:

[0114] Create B1 and add P A (30 records);

[0115] Create B2 and add P B (20 records);

[0116] Create B3 and add P C (10 items);

[0117] P D Add to B3(B3+P D =10+10=20≤50).

[0118] That is, B1: 30 transactions (Account A); B2: 20 transactions (Account B); B3: 20 transactions (Accounts C and D).

[0119] S400, obtaining the receipt of the payment application from the bank according to the preset timed polling.

[0120] Among them, the bank-enterprise platform (treasury system) obtains the bank's receipt for payment application, which can be obtained on T+1 day. On T+1 day, the time interval is set, for example, the number of scheduled polling in a day is 2 times, so that the bank's receipt is automatically obtained twice a day.

[0121] Specifically, according to the preset timed polling, obtaining the receipt of the bank's payment application includes the following steps:

[0122] S401, obtaining the interface performance parameters of the bank and the performance parameters of the treasury system.

[0123] Before determining the polling interval, you first need to understand the performance parameters of the bank interface, such as response time and processing capacity, as well as the performance parameters of the treasury system itself, such as network bandwidth and processing speed. The bank's interface performance parameters can be obtained through communication with the bank or by reading the technical documents provided by the bank. The performance parameters of the treasury system can be determined through internal testing and monitoring. Understanding these parameters helps avoid unnecessary burdens on the bank system and also ensures that the treasury system can effectively process receipt data.

[0124] S402, determining the time interval of the scheduled polling according to the interface performance parameters of the bank and the performance parameters of the treasury system.

[0125] The most appropriate polling time interval is determined based on the performance parameters of the bank interface and the treasury system. This time interval should be able to ensure timely receipt of receipts, but should not request the bank interface too frequently, affecting the performance of the bank system or causing unnecessary resource consumption.

[0126] Specifically, determining the most suitable polling time interval new_interval includes the following formula:

[0127]

[0128] Among them, initial_interval is the initial polling time interval, which is a preset value and can be set according to historical data or preliminary tests; load_difference is the difference between the current treasury system load and the baseline load, reflecting the deviation between the current load status of the treasury system and normal operation; load_base is the baseline load, which represents the average load of the treasury system under normal operating conditions, and is used to compare with the current load to determine the change in the treasury system load; adjust_factor is a factor adjusted according to business needs, and the factor can be adjusted according to the urgency of the business and the processing time requirements to affect the length of the polling interval; performance_ratio is the ratio of the bank interface performance to the treasury system performance (the ratio of the average response time of the bank interface to the average processing time of the treasury system). The ratio is used to adjust the polling interval to adapt to changes in the performance of the two systems and is not 0.

[0129] When determining the polling interval, you need to consider business requirements, such as the urgency and processing time requirements for payment receipts. For example, for payments that require quick confirmation, you may need to set a shorter polling interval. In addition, the polling interval may need to be dynamically adjusted based on actual conditions, such as increasing the interval when the system load is high, or shortening the interval during business peaks.

[0130] S403, obtaining the receipt of the payment application from the bank according to the time interval of the scheduled polling, and obtaining the receipt from the bank.

[0131] S500, save the receipt and feed back the payment result to the business system.

[0132] Specifically, saving the receipt and feeding back the payment result to the business system includes the following steps:

[0133] S501, storing the bank receipt, and matching it with the transaction records of the multiple split packages to be paid, to obtain a matching result.

[0134] like Figure 2 As shown, specifically, after successfully obtaining the receipt from the bank, the treasury system needs to save the receipt file information to the treasury system database for subsequent query and audit. The treasury system also needs to feed back the receipt file to the business system so that the business department can update the order status, perform subsequent business operations or notify relevant personnel.

[0135] The receipt documents obtained from the bank are stored electronically in the database of the treasury system. The receipt documents can include PDF, images, or files in a specific format provided by the bank. A database entry is created for each receipt record, including key information such as receipt number, payment amount, payment date, and beneficiary information.

[0136] Obtain transaction information related to each payment package from the treasury system, which may include the internal identifier of the payment request, payment time, payment channel, etc.

[0137] Use preset matching rules (such as payment amount, payee account number, payment date, etc.) to match the receipt with the corresponding transaction record.

[0138] For successfully matched flow records, the database entry is updated to mark the matching status and the matching result is recorded.

[0139] It should be noted that storing the bank receipt and matching it with the transaction flow of the multiple split packages to be paid may include the following steps:

[0140] The bank receipt image is preprocessed, wherein the preprocessing may include grayscale, binarization, denoising and other operations to improve the matching accuracy.

[0141] Extract key fields from the transaction information of the package to be paid in advance to form a template image, where the key fields may include transaction amount, date, beneficiary account number, etc. This action can generate a template image after applying for payment from the bank, so as to avoid generating a template image before applying for payment from the bank, thereby wasting resources. In other words, failure to apply for payment from the bank means that the payment may be cancelled.

[0142] Using the template matching function provided by the OpenCV image processing library, the template image is slid on the bank receipt image, the similarity is calculated, and the similarity calculation result is obtained, wherein the OpenCV image processing library is an existing library, and the template matching function can be cv2.matchTemplate in the regular OpenCV image processing library.

[0143] According to the similarity calculation result, the best matching position is determined. For example, the cv2.minMaxLoc function can be used to find the maximum or minimum value in the similarity calculation result (depending on the matching method, for example, the correlation coefficient algorithm in the similarity algorithm. In the correlation coefficient algorithm, the value range of the correlation coefficient is between -1 and 1, and the value of 1 indicates a perfect positive correlation, -1 indicates a perfect negative correlation, and 0 indicates no correlation; the maximum value of the correlation coefficient is found, because the maximum value 1 indicates that there is a perfect linear relationship between the template image and the receipt area, that is, the best match.), thereby determining the matching position of the template image in the receipt image.

[0144] The matching result is determined according to the best matching position, wherein a matching threshold may be set, and only the best matching position greater than the set matching threshold is confirmed as the matching result.

[0145] The matching results are stored in the database, and the payment status is fed back to the business system to update the corresponding payment order status.

[0146] Through the above method, the bank receipt storage can be realized and matched with the flow of multiple split packages to be paid.

[0147] S502: Feedback the receipt corresponding to the payment order to the business system according to the matching result.

[0148] Specifically, according to the matching results, the successful payment receipt information is fed back to the business system, which can be achieved through API calls, database synchronization or file transfer.

[0149] The feedback information may include receipt number, payment status, payment amount, payee information, etc.

[0150] After receiving the receipt information, the business system updates the corresponding payment order status, such as marking it as "paid" and attaching the receipt details. For payments that fail to match, the business system may need to update the status to "pending review" or "payment exception" and notify relevant personnel for follow-up processing.

[0151] like Figure 3As shown, it should be noted that after obtaining the receipt file from the bank, according to the matching rules between the receipt and the flow of the package to be paid, the receipt file name is intercepted and the receipt file is transferred to the SFTP (Secure File Transfer Protocol Server) server, and the receipt and flow matching rules are recorded at the same time. The business system can query and download the receipt file according to the flow number. The treasury system automatically scans the payment order and flow information at regular intervals (set the time for automatic scanning, and the treasury system automatically scans according to the set automatic scanning time), and completes the matching of the payment order and flow according to the payee and payee account, amount, transaction date, summary, business reference number and other fields. After the matching is completed, the treasury system regularly pushes the receipt and flow and the association relationship of the electronic receipt to the business system to complete the closed loop of the payment business.

[0152] It should also be noted that the bank-enterprise platform of the treasury system can obtain the transaction information of the directly connected account from the bank through automatic task timing. For non-directly connected users, RPA (Robotic Process Automation) + manual method is used to import to ensure data integrity. The business system can obtain the full transaction information of the treasury system through automatic task timing.

[0153] In summary, this application provides a calculation method for the human resources industry. After the payment documents of the business system are pushed to the to-be-paid list, the business personnel are supported to clear the payment documents, including defining the payment type, payment channel, and merging or splitting the payment packages. The payment channel is a bank-enterprise direct payment. After approval, the system will send a payment request to the bank through an automatic task, and regularly poll to obtain payment status, transaction flow, electronic receipts and other information. Business personnel only need to focus on business clearing, and the subsequent process will be automatically implemented by the system.

[0154] The human resources business settlement process, including collection, settlement, payment, payment result feedback, and receipt processing, is fully processed online. In the settlement process, it automatically splits and packages according to the payment business type and the bank's maximum payment capacity, greatly improving the payment settlement efficiency. It realizes the synchronization from payment application issuance to payment result, payment flow acquisition, electronic receipt acquisition, and the cross-checking and association of payment orders, payment flow, and electronic receipts, realizing the online and automated payment process, and forming a closed loop of the payment business process while meeting the financial archiving requirements.

[0155] Example

[0156] This application provides a method for processing human resources business funds settlement, which can significantly shorten the business processing time from 4 hours to 0.5 hours, and improve the efficiency by nearly 8 times. The specific functions are as follows:

[0157] like Figure 4As shown, the business system automatically obtains bank statements through the bank-enterprise direct connection of the treasury system, and claims customer funds after obtaining the transaction statements.

[0158] like Figure 5 As shown, the business system transmits the payment order that needs to be paid to the treasury system to form a to-be-paid list. After the relevant personnel at the treasury accept and approve the to-be-paid list, the treasury system automatically or manually splits and merges the to-be-paid list. After the approval, the document automatically generates a payment instruction, and the bank front-end program is called through the bank-enterprise platform to interact with the bank to complete the fund payment.

[0159] like Figure 6 As shown, after the payment of the pending list is completed, the treasury system will feedback the payment status to the business system and obtain the electronic receipt of the transaction flow from the bank.

[0160] In a second aspect, the present application provides a human resources business fund settlement processing system, which is applied to the aforementioned human resources business fund settlement processing method, and the system includes:

[0161] An acquisition unit is used to acquire multiple payment orders from the business system and obtain a payment order list;

[0162] A splitting unit, used to split the payment order list according to a preset clearing rule to obtain a payment package, wherein the payment package includes information required for the payment transaction;

[0163] A payment unit, used for applying for payment from the bank according to the payment package;

[0164] A receipt unit, used to obtain a receipt of the bank's payment application according to a preset timed polling;

[0165] The storage feedback unit is used to save the receipt and feed back the payment result to the business system.

[0166] In a third aspect, the present application provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the aforementioned method when executing the computer program.

[0167] In a fourth aspect, the present application provides a computer storage medium having a computer program stored thereon, characterized in that the computer program implements the steps of the aforementioned method when executed by a processor.

[0168] In a fifth aspect, the present application provides a computer program, which implements the steps of the aforementioned method when executed by a processor.

[0169] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0170] The various embodiments in the present disclosure are described in a progressive manner, and the same or similar parts between the various embodiments can be referenced to each other, and each embodiment focuses on the differences from other embodiments.

[0171] The protection scope of the present disclosure is not limited to the above-mentioned embodiments. Obviously, those skilled in the art can make various changes and modifications to the present disclosure without departing from the scope and spirit of the present disclosure. If these changes and modifications fall within the scope of the claims of the present disclosure and their equivalents, the intention of the present disclosure also includes these changes and modifications.

Claims

1. A method for processing human resources business fund settlement, characterized in that: Methods include: Get multiple payment slips from the business system and obtain a list of payment slips; According to a preset clearing rule, the payment order list is split to obtain a payment package, wherein the payment package at least includes information required for the payment transaction; Applying for payment from the bank according to the payment package; According to the preset timed polling, obtain the receipt of the bank's payment application; The receipt is saved and the payment result is fed back to the business system.

2. The method for processing human resources business fund settlement according to claim 1, characterized in that: The step of obtaining multiple payment slips from the business system and obtaining a payment slip list includes: Obtaining a payment slip having a header and a body generated by the business system; Combine the multiple payment slips to obtain the payment slip list.

3. The method for processing human resources business fund settlement according to claim 1, characterized in that: The step of splitting the payment order list according to the preset clearing rules to obtain the payment package includes: Acquire a plurality of splitting rules, wherein the splitting rules include conditions for splitting the payment order list; Assign a weight to each clearing rule to obtain the weight of each clearing rule; According to the plurality of said clearing sub-rules and the weight of each of said clearing sub-rules, the said clearing rule is obtained, wherein the said clearing rule includes the plurality of said clearing sub-rules, and the plurality of said clearing sub-rules are sorted according to the weight; According to the clearing rules, the payment order list is split to obtain a payment package.

4. The method for processing human resources business fund settlement according to claim 1, characterized in that: The step of applying for payment from the bank according to the payment package includes: Determine the approval process according to the payment package, wherein the payment package includes at least one of the payment order application subject, payment amount, business type and payment channel; Obtain the maximum number of transactions received by the bank's interface; Obtain payment splitting information according to the maximum number of transactions received by the bank's interface and the approval result of the approval process; Splitting the plurality of payment packages according to the payment splitting information to obtain a plurality of split packages to be paid; Apply for payment from the bank for the multiple split packages to be paid.

5. The method for processing human resources business fund settlement according to claim 1, characterized in that: The step of obtaining the receipt of the bank's payment application according to the preset timed polling includes: Obtaining interface performance parameters of the bank and performance parameters of the treasury system; Determining the time interval of the scheduled polling according to the interface performance parameters of the bank and the performance parameters of the treasury system; According to the time interval of the scheduled polling, the receipt of the bank's payment application is obtained to obtain the bank's receipt.

6. The method for processing human resources business fund settlement according to claim 4, characterized in that: The step of saving the receipt and feeding back the payment result to the business system includes: The bank receipt is stored and matched with the transaction records of the multiple split packages to be paid to obtain a matching result; According to the matching result, the receipt corresponding to the payment order is fed back to the business system.

7. A human resources business fund settlement processing system, characterized in that: The method for processing human resources business funds settlement applied to any one of claims 1 to 6, wherein the system comprises: An acquisition unit is used to acquire multiple payment orders from the business system and obtain a payment order list; A splitting unit, used to split the payment order list according to a preset clearing rule to obtain a payment package, wherein the payment package includes information required for the payment transaction; A payment unit, used for applying for payment from the bank according to the payment package; A receipt unit, used to obtain a receipt of the bank's payment application according to a preset timed polling; The storage feedback unit is used to save the receipt and feed back the payment result to the business system.

8. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

9. A computer storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

10. A computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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