A smart reimbursement management system based on cloud platform

Abstract

The present invention provides a cloud-based intelligent reimbursement management system, which includes a reimbursement application module, a platform design module, a payment module, a file management module, a budget management module, and a feedback and optimization module. The cloud-based intelligent reimbursement management system provided by the present invention reduces duplication of work and time waste in the approval process by deleting redundant approval nodes and adjusting the approval order, ensures a clear division of approval content and responsibilities, avoids the problem of overlapping approval content and responsibilities, solves the problems of overlapping approval content and responsibilities, irrelevance of approval results to decisions, and low efficiency of approval process, and improves the effectiveness and accuracy of decision-making by establishing an approval module. The streamlined approval process is clearer and more concise, so that the approval personnel can understand the approval requirements more quickly and reduce misunderstandings and delays caused by complex processes.

Description

Technical Field

[0001] The present invention relates to the field of reimbursement, and in particular to a smart reimbursement management system based on a cloud platform. Background Art

[0002] The enterprise expense management system based on the cloud platform includes functions such as user management, department management, expense management, note management, account management, and role management. Administrators can view the personal information and department-related information of all company users through the system, and can also process leave and expense applications of company users; users can view and modify their own information, and users can also apply for leave and expense for themselves; through this system, users can avoid the traditional inefficient office mode at work, and work efficiency and quality are improved.

[0003] The existing cloud-based intelligent reimbursement management system includes reimbursement application, approval process, reimbursement settlement, file management, and data analysis and support. The reimbursement application is the starting point. After the user submits it, it will be reviewed through the preset approval process. After the review is passed, it will enter the reimbursement settlement link for payment and account processing. All documents generated in the process are archived in the file management system, and data analysis and support run through the entire process, providing data insights and optimization suggestions for reimbursement management and decision-making. However, when the existing approval process is used, problems such as overlapping approval content and responsibilities, irrelevance of approval results to decisions, and inefficient approval process often occur.

[0004] Among them, the approval content and responsibilities overlap: the approval content, standards or responsibilities of two or more approval nodes are highly overlapped. For example, in the case of the initial review and re-review of the finance department, if the re-review simply reviews the content that has been reviewed by the initial review without introducing new approval standards or perspectives, then the re-review is a duplicate approval;

[0005] The approval result is irrelevant to the decision: the result of a certain approval node has no substantial impact on the final decision, or its decision can be completely replaced by other nodes. For example, if the review simply agrees with the result of the initial review without proposing any new opinions or suggestions, then the review is unnecessary.

[0006] Inefficient approval process: There are often too many approval nodes in the approval process, which will lead to inefficient approval and take too long, affecting approval efficiency and causing inconvenience in actual use.

[0007] Therefore, it is necessary to provide a new cloud-based intelligent reimbursement management system to solve the above-mentioned problems of overlapping approval content and responsibilities, irrelevance of approval results to decisions, and inefficient approval process. Summary of the invention

[0008] In order to solve the above technical problems, the present invention provides a smart reimbursement management system based on a cloud platform.

[0009] The cloud platform-based smart reimbursement management system provided by the present invention includes: a reimbursement application module, which is used for users to submit reimbursement applications online, including filling in the reimbursement amount, uploading relevant bills and invoices, and selecting the reimbursement category;

[0010] The platform design module builds a smart reimbursement management platform based on reimbursement applications, including database design, interface design, and system architecture;

[0011] Approval module: conduct online approval of submitted reimbursement applications based on the smart reimbursement management platform, fill in approval comments and select approval results, delete redundant approval nodes and adjust the approval order, view application details, fill in approval comments and select approval results;

[0012] The payment module executes payment operations based on approved reimbursement applications, including connecting with the bank system, generating payment instructions, and recording payment status. It also uses a multi-verification mechanism to verify payment operations to prevent payment errors or fraud.

[0013] The file management module is used to store and record the reimbursement applications, approval records and payment vouchers after payment in the smart reimbursement management platform to ensure the integrity and consistency of the data, prevent data loss or tampering, and provide query functions to support screening and query by time, category and amount;

[0014] The budget management module formulates and implements a combination of rigid, flexible and elastic budget management strategies based on the data reflected by the smart reimbursement management platform, monitors and analyzes budget data in real time, promptly identifies budget deviations and takes measures to make adjustments;

[0015] The feedback and optimization module establishes a feedback mechanism based on the budget management strategy and uses big data and artificial intelligence technology to optimize the collected feedback. Through regular surveys and analysis of user satisfaction, it understands the usage and existing problems of the smart reimbursement management platform and provides a basis for optimization.

[0016] Preferably, the deleting of redundant approval nodes includes the following steps:

[0017] S1, Login stage: First, the user logs in to the smart expense management system;

[0018] S2, entry stage: after logging into the system, find and click on the approval process management project;

[0019] S3, Selection stage: In the approval process management, select the reimbursement type that needs to be edited, and click to enter the process editing interface;

[0020] S3. Setting approval nodes and conditions: In the editing process interface, delete redundant approval nodes and adjust the approval order. Each node represents an approval link, which includes the designated approver, approval conditions, and post-approval operations.

[0021] S4, Preview and save stage: After the adjustment is completed, check the new approval process;

[0022] S5. Release stage: After confirming that the new approval process is correct, release the new process to the smart reimbursement management system.

[0023] Preferably, adjusting the approval order includes the following steps:

[0024] Step 1. Select the preliminary review node: In the process editing interface, the user finds and selects the preliminary review node, clicks the edit button next to the preliminary review node, and enters the editing interface of the approval conditions;

[0025] Step 2. Add new approval conditions: In the editing interface, add multiple approval conditions according to business needs, including the authenticity and compliance of the reimbursement document;

[0026] Step 3. Set conditional logic: After adding all approval conditions, find the setting option of conditional logic and select logical AND or logical OR operation;

[0027] Step 4. Preview and confirm: After completing the conditional logic settings, preview the new approval conditions and their logical relationships and confirm them;

[0028] Step 5. Save changes: After confirmation, save the changes and publish the new approval order to the smart reimbursement management system;

[0029] Step 6. Effective: Execute the operation of deleting redundant approval nodes again according to the new approval order.

[0030] Preferably, in the payment module, payment operations are performed according to the approved reimbursement applications, including docking with the bank system, generating payment instructions, and recording payment status, and multiple verification mechanisms are used to verify the payment operations.

[0031] Preferably, the budget management strategy includes the following steps:

[0032] a1. Budget preparation: Log in to the smart reimbursement management platform and enter the budget management module;

[0033] a2. Analyze needs and make choices: adopt a combination of rigid, flexible and elastic budget management, integrate the data of rigid, flexible and elastic budget management into budget preparation, and input various data required for budget preparation into the smart reimbursement management platform. The smart reimbursement management platform automatically generates a mixed budget preparation plan and conducts a preliminary review of the generated mixed budget preparation plan;

[0034] a3. Budget approval: Submit the budget plan to the relevant department or person in charge for approval;

[0035] a4. Budget execution and monitoring: After approval, the smart reimbursement management platform automatically checks whether the application meets the budget requirements and generates a real-time monitoring report;

[0036] a5. Budget adjustment and optimization: Based on the monitoring report, the smart reimbursement management platform determines whether a certain expense exceeds or approaches the budget;

[0037] a6. Alarm: According to the budget results, when a certain expense approaches or exceeds the budget, the smart reimbursement management platform will issue an early warning to remind the relevant person in charge.

[0038] Preferably, the rigid budget data includes inputting a fixed budget amount and a budget allocation ratio, the flexible budget data includes inputting a budget range and budget adjustment rules, and the elastic budget data includes inputting a business volume forecast, a budget formula or a model.

[0039] Preferably, the input data required for budget preparation include historical reimbursement data and market trend forecasts.

[0040] Preferably, the multiple verification mechanism includes the following steps:

[0041] b1. User login: First, enter the user name and static password to log in to the smart expense management platform. The smart expense management platform verifies the accuracy of the user name and password. If the verification fails, re-enter the user name and password. If the verification succeeds, enter the payment module;

[0042] b2. Select reimbursement application: Select the approved reimbursement application in the payment module, including the reimbursement amount and payee information;

[0043] b3. Generate payment instructions: After confirming that the reimbursement application information is correct, the smart reimbursement management platform generates payment instructions based on the reimbursement application information and verifies it;

[0044] b4. Dynamic password verification: A dynamic verification code is sent to the mobile phone number or email address bound by the user when registering. After receiving the verification code, the user enters the verification code in the designated location. The smart reimbursement management platform verifies the correctness of the verification code. If the verification fails, the user is prompted to re-enter the code. If the verification succeeds, the next step of verification is carried out;

[0045] b5. Biometric verification: After the dynamic password verification is successful, the smart expense management platform requires the user to perform fingerprint recognition. If the verification fails, the user is prompted to re-verify; if the verification is successful, the next step is taken;

[0046] b6. Second confirmation verification: The smart expense management platform displays the detailed information of the payment instruction and requires the user to confirm it again. The user clicks the confirmation button or enters the second confirmation password to confirm. The smart expense management platform verifies the correctness of the second confirmation. If the verification fails, the user is prompted to reconfirm. If the verification succeeds, the payment operation is executed.

[0047] b7. Payment operation and payment status: After the second confirmation is successful, the smart reimbursement management platform connects with the bank system to execute the payment instruction. The bank system returns the payment result, records the payment success or failure, and notifies the user of the payment result.

[0048] Preferably, in the approval module, the approval results include approval passed, approval rejected, and approval returned for modification.

[0049] Preferably, in step S4, the approval module further includes setting corresponding approval conditions for each approval node, wherein the approval conditions include an amount range and a reimbursement category.

[0050] Compared with the related art, the cloud platform-based intelligent reimbursement management system provided by the present invention has the following beneficial effects:

[0051] 1. By deleting redundant approval nodes and adjusting the approval order, the duplication of work and time waste in the approval process are reduced, the clear division of approval content and responsibilities is ensured, the problem of overlapping approval content and responsibilities is avoided, and the problems of overlapping approval content and responsibilities, irrelevance of approval results to decisions, and inefficient approval process are solved;

[0052] 2. By setting up an approval module, the effectiveness and accuracy of decision-making are improved. The streamlined approval process is clearer and simpler, allowing approval personnel to understand approval requirements more quickly and reduce misunderstandings and delays caused by complex processes;

[0053] 3. Formulate and implement budget management strategies based on the data reflected by the smart reimbursement management platform, combine rigid, flexible and elastic budget management to ensure the rationality and effectiveness of the budget, monitor the budget execution in real time, and help adjust the budget strategy in time to avoid budget overspending or waste. BRIEF DESCRIPTION OF THE DRAWINGS

[0054] Figure 1 A flowchart of the overall module of the cloud platform-based intelligent reimbursement management system provided by the present invention;

[0055] Figure 2 A flowchart for deleting redundant approval nodes;

[0056] Figure 3 A flowchart for adjusting the approval sequence;

[0057] Figure 4 It is a flowchart of the multiple authentication mechanism;

[0058] Figure 5 This is a flowchart of the budget management strategy. DETAILED DESCRIPTION

[0059] The present invention will be further described below in conjunction with the accompanying drawings and implementation modes.

[0060] Please refer to Figures 1 to 5 ,in, Figure 1 A flowchart of the overall module of the cloud platform-based intelligent reimbursement management system provided by the present invention; Figure 2 A flowchart for deleting redundant approval nodes; Figure 3 A flowchart for adjusting the approval sequence; Figure 4 It is a flowchart of the multiple authentication mechanism; Figure 5 This is a flowchart of the budget management strategy.

[0061] In the specific implementation process, Figure 1 As shown, it includes: a reimbursement application module, which is used by users to submit reimbursement applications online, including filling in reimbursement details, uploading relevant receipts and supporting documents. After submission, the application enters the approval process;

[0062] The platform design module builds a smart reimbursement management platform based on reimbursement applications, including database design, interface design, and system architecture to ensure that the system can process reimbursement applications efficiently and accurately;

[0063] Approval module: conducts online approval of submitted reimbursement applications based on the smart reimbursement management platform, including deleting redundant approval nodes and adjusting the approval order. Approving personnel view application details, fill in approval opinions and select approval results. Approval results include approval, rejection and return for modification.

[0064] The payment module executes payment operations based on approved reimbursement applications, including connecting with the bank system, generating payment instructions, and recording payment status. It also uses a multi-verification mechanism to verify payment operations to prevent payment errors or fraud.

[0065] The file management module is used to store and record the reimbursement application, approval records and payment vouchers after payment in the smart reimbursement management platform;

[0066] The budget management module formulates and implements a combination of rigid, flexible and elastic budget management strategies based on the data reflected by the smart reimbursement management platform, monitors and analyzes budget data in real time, promptly identifies budget deviations and takes measures to make adjustments;

[0067] Feedback and optimization module, which establishes a feedback mechanism based on budget management strategies and optimizes the collected feedback using big data and artificial intelligence technologies;

[0068] It should be noted that through regular surveys and analysis of user satisfaction, we can understand the usage and existing problems of the smart expense management platform and provide a basis for optimization;

[0069] It should be noted that by optimizing the approval process, reducing the overlap of approval content and responsibilities, ensuring that the approval results are relevant to the decision, and improving approval efficiency;

[0070] It should be noted that the payment module ensures accurate and timely payment and connects with the accounting processing system;

[0071] It should be noted that in the archive management module, the integrity and consistency of data are ensured to prevent data loss or tampering, and a query function is provided to support filtering and querying by time, category and amount;

[0072] It should be noted that by deleting redundant approval nodes and adjusting the approval order, duplication of work and time waste in the approval process are reduced, a clear division of approval content and responsibilities is ensured, and the problem of overlapping approval content and responsibilities is avoided;

[0073] It should be noted that by setting up an approval module, the relevance of approval results to decisions is ensured, the effectiveness and accuracy of decisions are improved, and the streamlined approval process is clearer and simpler, allowing approval personnel to understand approval requirements more quickly and reduce misunderstandings and delays caused by complex processes.

[0074] refer to Figure 2 As shown, the deletion of redundant approval nodes includes the following steps:

[0075] S1, Login stage: First, the user logs in to the smart expense management system;

[0076] S2, entry stage: after logging into the system, find and click on the approval process management project;

[0077] S3, Selection stage: In the approval process management, select the reimbursement type that needs to be edited, and click to enter the process editing interface;

[0078] S4. Setting approval nodes and conditions: In the editing process interface, delete redundant approval nodes and adjust the approval order. Each node represents an approval link, which includes the designated approver, approval conditions, and post-approval operations.

[0079] S5, Preview and save stage: After making necessary changes to the approval process, the user previews the new process to ensure that there are no omissions or errors. After the preview is correct, the user saves the changes;

[0080] S6, Release stage: After confirming that the new approval process is correct, release the new process to the smart reimbursement management system. After release, the new process will replace the old process and become the default approval process for this reimbursement type in the system;

[0081] It should be noted that, in step S4, the approval module further includes setting corresponding approval conditions for each approval node, wherein the approval conditions include the amount range and the reimbursement category.

[0082] It should be noted that by deleting redundant approval nodes and adjusting the approval order, the new approval process is more concise and efficient, reducing time waste and duplication of work in the approval process and improving overall approval efficiency;

[0083] It should be noted that in step S3, the reimbursement types include travel expense reimbursement, office supplies reimbursement, conference expense reimbursement, training expense reimbursement, entertainment expense reimbursement, transportation expense reimbursement and other expense reimbursement.

[0084] refer to Figure 3 As shown, adjusting the approval order includes the following steps:

[0085] Step 1. Select the preliminary review node: In the process editing interface, the user finds and selects the preliminary review node, clicks the edit button next to the preliminary review node, and enters the editing interface of the approval conditions;

[0086] Step 2. Add new approval conditions: In the editing interface, add multiple approval conditions according to business needs, including the authenticity and compliance of the reimbursement document;

[0087] Step 3. Set conditional logic: After adding all approval conditions, find the setting option of conditional logic and select logical AND or logical OR operation;

[0088] Step 4. Preview and confirm: After completing the conditional logic settings, preview the new approval conditions and their logical relationships and confirm them. After confirmation, the user will proceed to the next step;

[0089] Step 5. Save changes: After confirmation, the user needs to save the changes. The system will automatically update the approval process and publish the new approval order to the smart reimbursement management system. At this time, the user returns to the process editing interface to check and confirm that the new approval order has been correctly applied;

[0090] Step 6. Effective: Execute the operation of deleting redundant approval nodes again according to the new approval order to further optimize the approval process;

[0091] It should be noted that the preliminary review node is the first link in the approval process and is responsible for the preliminary review of the basic information and completeness of the reimbursement document. Users can enter the approval condition editing interface of the node by clicking the edit button next to the preliminary review node;

[0092] It should be noted that in the editing interface, users can flexibly add multiple approval conditions according to business needs. The approval conditions are not limited to the authenticity and compliance of the reimbursement document, whether the reimbursement amount exceeds the budget, whether the reimbursement person is a formal employee, and whether the reimbursement time is within the validity period;

[0093] It should be noted that in Step 6, the operation of deleting redundant approval nodes is executed again according to the new approval order to further optimize the approval process. The approval process includes checking whether there are any unnecessary approval links and whether the approval order can be fine-tuned to improve efficiency. The operation of deleting redundant approval nodes is executed again to make the approval process more concise and efficient.

[0094] refer to Figure 4 As shown, the budget management strategy includes the following steps:

[0095] a1. Budget preparation: Log in to the smart reimbursement management platform and enter the budget management module;

[0096] a2. Analyze needs and make choices: adopt a combination of rigid, flexible and elastic budget management, integrate the data of rigid, flexible and elastic budget management into budget preparation, and input various data required for budget preparation into the smart reimbursement management platform. The smart reimbursement management platform automatically generates a mixed budget preparation plan and conducts a preliminary review of the generated mixed budget preparation plan. The rigid budget data includes inputting a fixed budget amount and budget allocation ratio, the flexible budget data includes inputting a budget range and budget adjustment rules, and the elastic budget data includes inputting business volume forecasts, budget formulas or models;

[0097] a3. Budget approval: Submit the budget plan to the relevant department or person in charge for approval;

[0098] a4. Budget execution and monitoring: After approval, the smart reimbursement management platform automatically checks whether the application meets the budget requirements and generates a real-time monitoring report;

[0099] a5. Budget adjustment and optimization: Based on the monitoring report, the smart reimbursement management platform determines whether a certain expense exceeds or approaches the budget;

[0100] a6. Alarm: According to the budget results, when a certain expense approaches or exceeds the budget, the smart reimbursement management platform will issue an early warning to remind the relevant person in charge;

[0101] It should be noted that the data required for input budget preparation include historical reimbursement data and market trend forecasts.

[0102] It should be noted that when inputting data, the following analysis is performed:

[0103] Among them, rigid budget data: For departments or projects that choose rigid budget management, enter detailed data such as fixed budget amount, budget allocation ratio, etc.

[0104] Flexible budget data: For departments or projects that choose flexible budget management, enter flexible data such as budget range and budget adjustment rules to ensure that there is a certain amount of adjustment space within the budget range.

[0105] Flexible budget data: For departments or projects that choose flexible budget management, dynamic data such as business volume forecasts, budget formulas or models are entered to dynamically adjust the budget according to changes in business volume;

[0106] It should be noted that the specific operating steps of rigid budget management are as follows:

[0107] Determine budget items and amounts: First, identify the items that require a rigid budget and their fixed budget amounts;

[0108] Allocate budget proportions: Allocate budget amounts to specific expense categories or projects based on the company's financial planning and business needs;

[0109] Input data into the smart expense management platform: input the determined budget items and amounts, as well as the budget allocation ratio into the budget management module of the smart expense management platform;

[0110] The system generates a rigid budget plan: The smart reimbursement management platform automatically generates a rigid budget plan based on the input data and conducts a preliminary review to ensure the accuracy and rationality of the data.

[0111] It should be noted that the specific operating steps of flexible budget management are as follows:

[0112] Determine the budget scope and rules: First, clarify the budget scope of the budget items and the rules and conditions for budget adjustment;

[0113] Input data into the smart expense management platform: input the determined budget range and rules into the budget management module of the smart expense management platform;

[0114] System generates flexible budget plan: The smart reimbursement management platform automatically generates a flexible budget plan based on the input data and conducts a preliminary review of it;

[0115] Monitoring and adjustment: During the budget execution process, the smart reimbursement management platform will automatically determine whether budget adjustments are needed based on the comparison between actual expenditures and the budget range, and allow adjustments within the rules.

[0116] It should be noted that the specific steps of flexible budget management are as follows:

[0117] Determine the business volume forecast and budget formula or model: First, determine the business volume forecast value based on historical data and market forecasts, and develop a corresponding budget formula or model;

[0118] Input data into the smart expense management platform: Input the determined business volume forecast value, budget formula or model into the budget management module of the smart expense management platform;

[0119] System generates flexible budget plan: The smart reimbursement management platform automatically generates a flexible budget plan based on the input data and conducts a preliminary review of it;

[0120] Dynamic adjustment: During the budget execution process, the system will automatically adjust the budget amount according to changes in actual business volume to ensure that the budget matches the business volume.

[0121] Embodiment 1

[0122] refer to Figure 4 As shown in the figure, for flexible budget management, the following analysis is provided: Based on historical sales data and market research, predict the monthly sales volume of a company's new products in the next year. The sales volume in January is predicted to be 1,000 units, in February to be 1,200 units, and so on, until the sales volume in December is predicted to be 2,000 units. The cost of each product is set at 50 yuan, and the selling price is 100 yuan per piece. The cost of the product includes production cost and transportation cost, and the marketing cost is set at 10% of the sales revenue.

[0123] The budget formula is: Total budget = (sales volume × product cost) + (sales revenue × marketing expense rate) Sales revenue = sales volume × product price.

[0124] References Figure 5 As shown, the multiple verification mechanism includes the following steps: b1. User login: First, enter the user name and static password to log in to the smart expense management platform. The smart expense management platform verifies the accuracy of the user name and password. If the verification fails, re-enter the user name and password. If the verification succeeds, enter the payment module; b2. Select reimbursement application: Select the approved reimbursement application in the payment module, including the reimbursement amount and payee information; b3. Generate payment instructions: After confirming that the reimbursement application information is correct, the smart reimbursement management platform generates payment instructions based on the reimbursement application information and verifies it; b4. Dynamic password verification: A dynamic verification code is sent to the mobile phone number or email address bound by the user when registering. After receiving the verification code, the user enters the verification code in the designated location. The smart reimbursement management platform verifies the correctness of the verification code. If the verification fails, the user is prompted to re-enter the code. If the verification succeeds, the next step of verification is carried out; b5. Biometric verification: After the dynamic password verification is successful, the smart expense management platform requires the user to perform fingerprint recognition. If the verification fails, the user is prompted to re-verify; if the verification is successful, the next step is taken; b6. Second confirmation verification: The smart expense management platform displays the detailed information of the payment instruction and requires the user to confirm it again. The user clicks the confirmation button or enters the second confirmation password to confirm. The smart expense management platform verifies the correctness of the second confirmation. If the verification fails, the user is prompted to reconfirm. If the verification succeeds, the payment operation is executed. b7. Payment operation and payment status: After the second confirmation is successful, the smart reimbursement management platform connects with the bank system to execute the payment instruction. The bank system returns the payment result, records the payment success or failure, and notifies the user of the payment result.

[0125] It should be noted that through multiple verification mechanisms, the smart reimbursement management platform can ensure the security of user payments, execute payment operations, and further improve the security of fund flow.

[0126] The above shows and describes the basic principles and main features of the present invention and the advantages of the present invention. For those skilled in the art, it is obvious that the present invention is not limited to the details of the above exemplary embodiments, and the present invention can be implemented in other specific forms without departing from the spirit or basic features of the present invention. Therefore, no matter from which point of view, the embodiments should be regarded as exemplary and non-restrictive. The scope of the present invention is defined by the attached claims rather than the above description, and it is intended that all changes falling within the meaning and scope of the equivalent elements of the claims are included in the present invention, and any figure mark in the claims should not be regarded as limiting the claims involved.

[0127] In addition, it should be understood that although the present specification is described according to implementation modes, not every implementation mode contains only one independent technical solution. This description of the specification is only for the sake of clarity. Those skilled in the art should regard the specification as a whole. The technical solutions in each embodiment may also be appropriately combined to form other implementation modes that can be understood by those skilled in the art.

Claims

1. A smart reimbursement management system based on a cloud platform, characterized in that: Includes a reimbursement application module for users to submit reimbursement applications online; The platform design module establishes a smart reimbursement management platform based on reimbursement applications; Approval module: conduct online approval of submitted reimbursement applications based on the smart reimbursement management platform, delete redundant approval nodes, adjust the approval order, view application details, fill in approval opinions, and select approval results; The payment module performs payment operations based on approved reimbursement applications; The file management module is used to store and record the reimbursement application, approval records and payment vouchers after payment in the smart reimbursement management platform; The budget management module formulates and implements a combination of rigid, flexible and elastic budget management strategies based on the data reflected by the smart reimbursement management platform; The feedback and optimization module establishes a feedback mechanism based on the budget management strategy and uses big data and artificial intelligence technologies to optimize the collected feedback.

2. The cloud platform-based intelligent expense management system according to claim 1 is characterized in that: Deleting redundant approval nodes includes the following steps: S1, Login stage: First, the user logs in to the smart expense management system; S2, entry stage: after logging into the system, find and click on the approval process management project; S3, Selection stage: In the approval process management, select the reimbursement type that needs to be edited, and click to enter the process editing interface; S4. Setting approval nodes and conditions: In the editing process interface, delete redundant approval nodes and adjust the approval order. Each node represents an approval link, which includes the designated approver, approval conditions, and post-approval operations. S5, Preview and save stage: After the adjustment is completed, check the new approval process; S6. Release stage: After confirming that the new approval process is correct, release the new process to the smart reimbursement management system.

3. The cloud-based intelligent expense management system according to claim 1 is characterized in that: Adjusting the approval order includes the following steps: Step 1. Select the preliminary review node: In the process editing interface, the user finds and selects the preliminary review node, clicks the edit button next to the preliminary review node, and enters the editing interface of the approval conditions; Step 2. Add new approval conditions: In the editing interface, add multiple approval conditions according to business needs, including the authenticity and compliance of the reimbursement document; Step 3. Set conditional logic: After adding all approval conditions, find the setting option of conditional logic and select logical AND or logical OR operation; Step 4. Preview and confirm: After completing the conditional logic settings, preview the new approval conditions and their logical relationships and confirm them; Step 5. Save changes: After confirmation, save the changes and publish the new approval order to the smart reimbursement management system; Step 6. Effective: Execute the operation of deleting redundant approval nodes again according to the new approval order.

4. The cloud-based intelligent expense management system according to claim 1 is characterized in that: In the payment module, payment operations are performed according to the approved reimbursement applications, including docking with the bank system, generating payment instructions, and recording payment status, and multiple verification mechanisms are used to verify the payment operations.

5. The cloud-based intelligent expense management system according to claim 1 is characterized in that: The budget management strategy includes the following steps: a1. Budget preparation: Log in to the smart reimbursement management platform and enter the budget management module; a2. Analyze needs and make choices: adopt a combination of rigid, flexible and elastic budget management, integrate the data of rigid, flexible and elastic budget management into budget preparation, and input various data required for budget preparation into the smart reimbursement management platform. The smart reimbursement management platform automatically generates a mixed budget preparation plan and conducts a preliminary review of the generated mixed budget preparation plan; a3. Budget approval: Submit the budget plan to the relevant department or person in charge for approval; a4. Budget execution and monitoring: After approval, the smart reimbursement management platform automatically checks whether the application meets the budget requirements and generates a real-time monitoring report; a5. Budget adjustment and optimization: Based on the monitoring report, the smart reimbursement management platform determines whether a certain expense exceeds or approaches the budget; a6. Alarm: According to the budget results, when a certain expense approaches or exceeds the budget, the smart reimbursement management platform will issue an early warning to remind the relevant person in charge.

6. The cloud-based intelligent expense management system according to claim 5 is characterized in that: The rigid budget data includes inputting a fixed budget amount and a budget allocation ratio, the flexible budget data includes inputting a budget range and budget adjustment rules, and the elastic budget data includes inputting a business volume forecast, a budget formula or a model.

7. The cloud-based intelligent expense management system according to claim 5 is characterized in that: The input data required for budget preparation include historical reimbursement data and market trend forecasts.

8. The cloud-based intelligent expense management system according to claim 4 is characterized in that: The multiple verification mechanism includes the following steps: b1. User login: First, enter the user name and static password to log in to the smart expense management platform. The smart expense management platform verifies the accuracy of the user name and password. If the verification fails, re-enter the user name and password. If the verification succeeds, enter the payment module; b2. Select reimbursement application: Select the approved reimbursement application in the payment module, including the reimbursement amount and payee information; b3. Generate payment instructions: After confirming that the reimbursement application information is correct, the smart reimbursement management platform generates payment instructions based on the reimbursement application information and verifies it; b4. Dynamic password verification: A dynamic verification code is sent to the mobile phone number or email address bound by the user when registering. After receiving the verification code, the user enters the verification code in the designated location. The smart reimbursement management platform verifies the correctness of the verification code. If the verification fails, the user is prompted to re-enter the code. If the verification succeeds, the next step of verification is carried out; b5. Biometric verification: After the dynamic password verification is successful, the smart expense management platform requires the user to perform fingerprint recognition. If the verification fails, the user is prompted to re-verify; if the verification is successful, the next step is taken; b6. Second confirmation verification: The smart expense management platform displays the detailed information of the payment instruction and requires the user to confirm it again. The user clicks the confirmation button or enters the second confirmation password to confirm. The smart expense management platform verifies the correctness of the second confirmation. If the verification fails, the user is prompted to reconfirm. If the verification succeeds, the payment operation is executed. b7. Payment operation and payment status: After the second confirmation is successful, the smart reimbursement management platform connects with the bank system to execute the payment instruction. The bank system returns the payment result, records the payment success or failure, and notifies the user of the payment result.

9. The cloud-based intelligent expense management system according to claim 1 is characterized in that: In the approval module, the approval results include approval passed, approval rejected, and approval returned for modification.

10. The cloud platform-based intelligent expense management system according to claim 2 is characterized in that: In the step S4, the approval module further includes setting corresponding approval conditions for each approval node, wherein the approval conditions include an amount range and a reimbursement category.

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