Business ticket accepting method, device and equipment and storage medium

Abstract

The invention provides a business ticket accepting method and device, equipment and a storage medium, and relates to the technical field of data processing, and the method comprises the steps that first terminal equipment receives a first prompt message from a business ticket exchange, and adds business ticket information of a business ticket in the first prompt message to a to-be-processed record; and then, the first terminal equipment performs payment processing on the business ticket according to a preset processing frequency and the business ticket information in the to-be-processed record. Since the above processes are completed by the first terminal device, there is no need to manually carry out payment processing on each business ticket, and the business ticket accepting efficiency is effectively improved.

Description

Technical Field

[0001] The embodiments of the present invention relate to the field of data processing technology, and in particular to a commercial bill acceptance method, device, equipment and storage medium. Background Art

[0002] Commercial bills, also known as commercial acceptance bills, are payment documents issued by the payer to the payee with a promise to pay. Before the commercial bill matures, the payee can ask the payee to promise to pay and sign the bill.

[0003] At present, after receiving the commercial bill, the payer often manually reviews the commercial bill and determines whether to promise to pay. This will lead to low efficiency in commercial bill acceptance. How to improve the efficiency of commercial bill acceptance is a technical problem that needs to be solved urgently. Summary of the invention

[0004] The embodiments of the present application provide a commercial bill acceptance method, device, equipment and storage medium for solving the problem of low acceptance efficiency of commercial bills.

[0005] On the one hand, an embodiment of the present application provides a commercial bill acceptance method, the method comprising:

[0006] Receiving a first prompt message sent from the commercial bill exchange, the first prompt message including commercial bill information of the commercial bill, and the first prompt message is used to instruct the first terminal device to perform payment processing on the commercial bill;

[0007] Add the commercial bill information of the commercial bill to the pending records;

[0008] According to the preset processing frequency and the commercial bill information in the to-be-processed record, payment processing is performed on the commercial bill.

[0009] Optionally, the adding the commercial bill information of the commercial bill to the record to be processed includes:

[0010] Determining a first business scenario corresponding to the commercial bill according to the commercial bill information of the commercial bill;

[0011] Adding the commercial bill information of the commercial bill to the pending record corresponding to the first business scenario;

[0012] The payment processing of the commercial bill according to the commercial bill information in the to-be-processed record according to the preset processing frequency includes:

[0013] According to the processing frequency corresponding to the first business scenario and based on the commercial bill information in the to-be-processed record corresponding to the first business scenario, payment processing is performed on the commercial bill.

[0014] Optionally, performing payment processing on the commercial bill according to the commercial bill information in the to-be-processed record corresponding to the first business scenario includes:

[0015] Confirming the authenticity of the commercial bill according to the commercial bill information in the to-be-processed record corresponding to the first business scenario;

[0016] In the case that the commercial bill is authentic, payment processing is performed on the commercial bill.

[0017] Optionally, it also includes:

[0018] In the case that the commercial bill is false, the commercial bill information of the commercial bill is sent to the manual platform for manual processing.

[0019] Optionally, the commercial bill information includes the bill holder's account number, the acceptor's account number and the acceptance amount;

[0020] The payment processing of the commercial bill includes:

[0021] Transferring the acceptance amount in the acceptor's account to a first account; the first account is an account of the bank where the acceptor's account is located;

[0022] A first payment response message is sent to the commercial bill exchange, wherein the first payment response message is used to instruct the commercial bill exchange to transfer the acceptance amount from the first account to a second account; the second account is an account of the bank where the holder's account is located.

[0023] Optionally, transferring the acceptance amount in the acceptor's account to the first account includes:

[0024] Determining whether the account balance in the acceptor's account is greater than or equal to the acceptance amount;

[0025] In the case where the account balance is greater than or equal to the acceptance amount, the acceptance amount in the acceptor's account is transferred to the first account.

[0026] On the one hand, an embodiment of the present application provides a commercial bill acceptance device, the device comprising:

[0027] A transceiver module, used for receiving a first prompt message sent from a commercial bill exchange, wherein the first prompt message includes commercial bill information of the commercial bill, and the first prompt message is used for instructing the first terminal device to perform payment processing on the commercial bill;

[0028] An adding module, used for adding the commercial bill information of the commercial bill to the pending records;

[0029] The processing module is used to process the payment of the commercial bill according to the commercial bill information in the to-be-processed record at a preset processing frequency.

[0030] Optionally, the adding module is specifically used to:

[0031] Determining a first business scenario corresponding to the commercial bill according to the commercial bill information of the commercial bill;

[0032] Adding the commercial bill information of the commercial bill to the pending record corresponding to the first business scenario;

[0033] The processing module is specifically used for:

[0034] According to the processing frequency corresponding to the first business scenario and based on the commercial bill information in the to-be-processed record corresponding to the first business scenario, payment processing is performed on the commercial bill.

[0035] Optionally, the processing module is specifically used to:

[0036] Confirming the authenticity of the commercial bill according to the commercial bill information in the to-be-processed record corresponding to the first business scenario;

[0037] In the case that the commercial bill is authentic, payment processing is performed on the commercial bill.

[0038] Optionally, the processing module is further used to:

[0039] In the case that the commercial bill is false, the commercial bill information of the commercial bill is sent to the manual platform for manual processing.

[0040] Optionally, the commercial bill information includes the bill holder's account number, the acceptor's account number and the acceptance amount; the processing module is specifically used to:

[0041] Transferring the acceptance amount in the acceptor's account to a first account; the first account is an account of the bank where the acceptor's account is located;

[0042] A first payment response message is sent to the commercial bill exchange, wherein the first payment response message is used to instruct the commercial bill exchange to transfer the acceptance amount from the first account to a second account; the second account is an account of the bank where the holder's account is located.

[0043] Optionally, the processing module is specifically used to:

[0044] Determining whether the account balance in the acceptor's account is greater than or equal to the acceptance amount;

[0045] In the case where the account balance is greater than or equal to the acceptance amount, the acceptance amount in the acceptor's account is transferred to the first account.

[0046] On the one hand, an embodiment of the present application provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above-mentioned commercial bill acceptance method when executing the program.

[0047] On the one hand, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program that can be executed by a computer device. When the program is run on the computer device, the computer device executes the steps of the above-mentioned commercial bill acceptance method.

[0048] On the one hand, an embodiment of the present application provides a computer program product, including a computer program executable by a computer device, and when the program is run on the computer device, the computer device executes the steps of the above-mentioned commercial bill acceptance method.

[0049] In the embodiment of the present application, the first terminal device receives the first prompt message from the commercial bill exchange, and adds the commercial bill information of the commercial bill in the first prompt message to the pending record. Then, the first terminal device performs payment processing on the commercial bill according to the commercial bill information in the pending record at a preset processing frequency. Since the above process is completed by the first terminal device, there is no need to manually process the payment for each commercial bill, which effectively improves the efficiency of commercial bill acceptance. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0051] Figure 1 A schematic diagram of a system architecture provided for an embodiment of the present application;

[0052] Figure 2 A schematic diagram of a process for accepting a commercial bill provided in an embodiment of the present application;

[0053] Figure 3 A flowchart of a method for processing payment of commercial bills provided in an embodiment of the present application;

[0054] Figure 4 A flowchart of a method for processing payment of commercial bills provided in an embodiment of the present application;

[0055] Figure 5 A schematic diagram of the structure of a commercial bill acceptance device provided in an embodiment of the present application;

[0056] Figure 6A schematic diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0057] In order to make the purpose, technical scheme and advantages of the present application clearer, the technical scheme in the embodiment of the present application will be clearly and completely described below in conjunction with the drawings in the embodiment of the present application. Obviously, the described embodiment is only a part of the embodiment of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application. In the absence of conflict, the embodiments in the present application and the features in the embodiments can be arbitrarily combined with each other. In addition, although the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in an order different from that here.

[0058] The terms "first" and "second" in the specification and claims of the present application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the term "comprising" and any of their variations are intended to cover non-exclusive protection. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes steps or units that are not listed, or optionally also includes other steps or units inherent to these processes, methods, products or devices. "Multiple" in the present application can mean at least two, for example, two, three or more, and the embodiments of the present application are not limited.

[0059] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0060] In the technical solution of this application, the acquisition, transmission, storage, and use of data are in compliance with the requirements of relevant national laws and regulations.

[0061] refer to Figure 1 , which is a commercial bill acceptance system architecture diagram applicable to an embodiment of the present application, and the commercial bill acceptance system architecture diagram at least includes a first terminal device 101, a commercial bill exchange 102 and a second terminal device 103.

[0062] The first terminal device 101 is a terminal device used by the acceptor (i.e., the issuer of the commercial bill), and the first terminal device 101 is installed with a target application for commercial bill acceptance, which may be a pre-installed client, a web application, or a small program embedded in other applications, etc. The first terminal device 101 may be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc., but is not limited thereto.

[0063] The second terminal device 103 is a terminal device used by the bill holder (i.e., the commercial bill holder). The second terminal device 103 is installed with a target application for commercial bill acceptance, which may be a pre-installed client, a web application, or a small program embedded in other applications. The second terminal device 103 may be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc., but is not limited thereto.

[0064] The commercial bill exchange 102 can receive messages from the first terminal device 101, and can also receive messages from the second terminal device 103. The commercial bill exchange 102 can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms.

[0065] The first terminal device 101 and the commercial bill exchange 102 can be directly or indirectly connected via wired or wireless communication, which is not limited in this application. The commercial bill exchange 102 and the second terminal device 103 can be directly or indirectly connected via wired or wireless communication, which is not limited in this application.

[0066] The second terminal device 103 responds to the bill holder's commercial bill acceptance operation and sends a second prompt message to the commercial bill exchange 102, wherein the second prompt message includes the commercial bill information of the commercial bill, and the second prompt message is used to prompt the holder to process the payment for the commercial bill.

[0067] The commercial bill exchange 102 receives the second prompt message from the second terminal device 103, and generates a first prompt message according to the second prompt message, wherein the first prompt message includes the commercial bill information of the commercial bill, and the first prompt message is used to instruct the first terminal device to process the payment for the commercial bill. Afterwards, the commercial bill exchange 102 sends the first prompt message to the first terminal device 101.

[0068] The first terminal device 101 receives the first prompt message from the commercial bill exchange 102, and adds the commercial bill information of the commercial bill in the first prompt message to the pending record. After that, the first terminal device 101 performs payment processing on the commercial bill according to the commercial bill information in the pending record at a preset processing frequency.

[0069] based on Figure 1 The system architecture diagram, the present application embodiment provides a process of a commercial bill acceptance method, such as Figure 2 As shown, the process of this method is Figure 1 The first terminal device 101, the commercial bill exchange 102 and the second terminal device 103 shown interact and execute the following steps:

[0070] S201, the second terminal device sends a second prompt message to the commercial paper exchange; correspondingly, the commercial paper exchange receives the second prompt message from the second terminal device.

[0071] In the above S201, the second terminal device stores the commercial bill information of the commercial bill, and the commercial bill information includes but is not limited to the commercial bill identification, bill holder information, acceptor information, acceptance amount, acceptance date, etc. The specific explanation is as follows:

[0072] 1) The commercial bill identification is used to uniquely identify the commercial bill;

[0073] 2) The holder's information includes the holder's name, ID number, account number, etc. The holder's account number is the bank account number opened by the holder at the bank;

[0074] 3) The acceptor's information includes the acceptor's name, ID number, account number, etc. The acceptor's account number is the bank account opened by the acceptor at the bank;

[0075] 4) The acceptance amount is the amount that the acceptor needs to pay;

[0076] 5) The acceptance date is the date on which the acceptor is required to accept the payment;

[0077] It should be understood that, when the commercial bill is a paper commercial bill, the commercial bill information may also include a picture of the paper commercial bill.

[0078] In a possible implementation, the second terminal device may generate a second prompt message based on the commercial bill information of the commercial bill, and send the second prompt message to the commercial bill exchange, wherein the second prompt message includes the commercial bill information of the commercial bill, and the second prompt message is used to prompt payment processing for the commercial bill.

[0079] It should be understood that the second terminal device may send the second prompt message to the commercial paper exchange on the acceptance date, or may send the second prompt message to the commercial paper exchange before the acceptance date, which is not limited here.

[0080] In a possible implementation, after receiving the second prompt message, the commercial paper exchange may send a prompt confirmation message to the second terminal device, wherein the prompt confirmation message is used to indicate that the commercial paper exchange has successfully received the second prompt message.

[0081] S202, the commercial bill exchange generates a first prompt message according to the second prompt message.

[0082] Before executing S202, the second terminal device may send the bill holder association information to the commercial bill exchange, wherein the bill holder association information includes the bill holder information and the device identification of the second terminal device. The commercial bill exchange may save the bill holder association information to facilitate the subsequent determination of the device identification of the second terminal device used by the bill holder based on the bill holder information.

[0083] The first terminal device may also send the acceptor-related information to the commercial bill exchange, wherein the acceptor-related information includes the acceptor information and the device identification of the first terminal device. The commercial bill exchange may save the acceptor-related information to facilitate the subsequent determination of the device identification of the first terminal device used by the acceptor based on the acceptor information.

[0084] In a possible implementation, after obtaining the second prompt message, the commercial bill exchange obtains the commercial bill information of the commercial bill from the second prompt message, obtains the acceptor information from the commercial bill information, and then determines the device identifier of the first terminal device corresponding to the acceptor information according to the acceptor association information. The commercial bill exchange generates a first prompt message according to the commercial bill information of the commercial bill and the device identifier of the first terminal device, wherein the first prompt message includes the commercial bill information of the commercial bill, and the first prompt message is used to instruct the first terminal device to process the payment of the commercial bill.

[0085] S203, the commercial paper exchange sends a first prompt message to the first terminal device; correspondingly, the first terminal device receives the first prompt message from the commercial paper exchange.

[0086] S204, the first terminal device adds the commercial bill information of the commercial bill in the first prompt message to the record to be processed.

[0087] Before executing S204, the first terminal device may set different preset business scenarios and processing frequencies corresponding to different preset business scenarios. For example, the preset business scenarios may include commercial bills with corporate acceptors and commercial bills with individual acceptors.

[0088] It should be understood that for any preset business scenario, the processing frequency corresponding to the preset business scenario may be set, or the processing frequency corresponding to the preset business scenario may not be set, that is, the default processing frequency is used, which is not limited here.

[0089] In the above S204, the first terminal device can add the commercial bill information of the commercial bill through the following implementation mode A1 or A2.

[0090] In implementation mode A1, the first terminal device can directly add the commercial bill information of the commercial bill to the pending record, wherein the pending record can include the commercial bill information of any commercial bill type.

[0091] In implementation mode A2, the first terminal device determines the commercial bill type based on the commercial bill information of the commercial bill, and then compares the determined commercial bill type with multiple preset business scenarios. If multiple preset business scenarios include the commercial bill type, the first business scenario corresponding to the commercial bill is determined from the multiple preset business scenarios, and the commercial bill information of the commercial bill is added to the pending record corresponding to the first business scenario. If multiple preset business scenarios do not include the commercial bill type, the commercial bill information of the commercial bill is added to the local database for subsequent manual processing.

[0092] It should be understood that the data structure of the records to be processed may be a queue, an array, a linked list, etc., which is not limited here.

[0093] S205, the first terminal device performs payment processing on the commercial bill according to the preset processing frequency and the commercial bill information in the record to be processed.

[0094] In the above S205, the first terminal device can process the payment of the commercial bill through the following implementation mode B1 or B2.

[0095] Implementation method B1, when the commercial bill information of the commercial bill is added according to implementation method A1, the first terminal device can process the payment of the commercial bill according to the default processing frequency and in sequence according to the commercial bill information in the record to be processed.

[0096] Implementation method B2, when the commercial bill information of the commercial bill is added according to implementation method A2, the first terminal device can process the payment of the commercial bill according to the processing frequency corresponding to the first business scenario and the commercial bill information in the pending record corresponding to the first business scenario.

[0097] In the above implementation mode B2, the first terminal device can simultaneously process the commercial bill information in the to-be-processed records corresponding to different business scenarios, so as to improve the processing efficiency of the first terminal device.

[0098] exist Figure 2In the steps shown, the first terminal device receives the first prompt message from the commercial bill exchange, and adds the commercial bill information of the commercial bill in the first prompt message to the pending record. Then, the first terminal device performs payment processing on the commercial bill according to the commercial bill information in the pending record at a preset processing frequency. Since the above process is completed by the first terminal device, there is no need to manually process the payment for each commercial bill, which effectively improves the efficiency of commercial bill acceptance.

[0099] Optionally, in the above implementation B2, the first terminal device can Figure 3 The following steps are shown to process the payment of the bill.

[0100] S301, the first terminal device confirms the authenticity of the commercial bill according to the commercial bill information in the to-be-processed record corresponding to the first business scenario.

[0101] In the above S301, the first terminal device may obtain the commercial bill information from the pending record corresponding to the first business scenario, and verify the obtained commercial bill information to confirm the authenticity of the commercial bill.

[0102] In one possible implementation, the first terminal device may compare the commercial bill identification, bill holder information, acceptor information, acceptance amount, and acceptance date in the acquired commercial bill information with the commercial bill identification, bill holder information, acceptor information, acceptance amount, and acceptance date in the commercial bill information to be accepted stored in the first terminal device. If all are the same, the first terminal device confirms that the commercial bill is authentic; otherwise, the first terminal device confirms that the commercial bill is false.

[0103] In a possible implementation, the first terminal device may directly verify the image of the paper commercial bill in the commercial bill information to confirm the authenticity of the commercial bill.

[0104] S302: When the commercial bill is authentic, the first terminal device performs payment processing on the commercial bill.

[0105] In the above S302, the first terminal device can Figure 4 The following steps are shown to process the payment of the bill.

[0106] S401, the first terminal device determines whether the account balance in the acceptor's account is greater than or equal to the acceptance amount, if so, execute S402; otherwise, execute S408.

[0107] S402, the first terminal device transfers the acceptance amount in the acceptor's account to the first account, wherein the first account is an account of the bank where the acceptor's account is located.

[0108] S403, the first terminal device generates a first payment response message, wherein the first payment response message is used to instruct the commercial bill exchange to transfer the acceptance amount from the first account to the second account, and the second account is the account of the bank where the holder's account is located.

[0109] S404, the first terminal device sends a first payment response message to the commercial paper exchange; correspondingly, the commercial paper exchange receives the first payment response message from the first terminal device.

[0110] S405, the Commercial Bill Exchange transfers the acceptance amount from the first account to the second account according to the first payment response message.

[0111] S406, the commercial bill exchange generates a first acceptance response message, wherein the first acceptance response message is used to indicate that the commercial bill acceptance is successful.

[0112] S407, the commercial paper exchange sends a first acceptance response message to the second terminal device; correspondingly, the second terminal device receives the first acceptance response message from the commercial paper exchange.

[0113] S408, the first terminal device generates a second payment response message, wherein the second payment response message is used to indicate that the transfer by the first terminal device has failed.

[0114] S409, the first terminal device sends a second payment response message to the commercial paper exchange; correspondingly, the commercial paper exchange receives the second payment response message from the first terminal device.

[0115] S410, the commercial bill exchange generates a second acceptance response message according to the second payment response message, wherein the second acceptance response message is used to identify the failure of commercial bill acceptance.

[0116] S411, the commercial paper exchange sends a second acceptance response message to the second terminal device; correspondingly, the second terminal device receives the second acceptance response message from the commercial paper exchange.

[0117] Figure 4 The steps shown provide a specific method for processing payment of commercial bills.

[0118] S303, when the commercial bill is false, the first terminal device sends the commercial bill information of the commercial bill to the manual platform for manual processing.

[0119] exist Figure 3 In the steps shown, the first terminal device first verifies the authenticity of the commercial bill. If the commercial bill is authentic, the first terminal device processes the payment for the commercial bill, which can effectively ensure the accuracy of the payment processing.

[0120] Based on the same technical concept, the embodiment of the present application provides a commercial bill acceptance device, such as Figure 5 As shown, the commercial bill acceptance device 500 includes:

[0121] The transceiver module 501 is used to receive a first prompt message sent from the commercial bill exchange, wherein the first prompt message includes commercial bill information of the commercial bill, and the first prompt message is used to instruct the first terminal device to perform payment processing on the commercial bill;

[0122] An adding module 502 is used to add the commercial bill information of the commercial bill to the record to be processed;

[0123] The processing module 503 is used to perform payment processing on the commercial bill according to the commercial bill information in the to-be-processed record at a preset processing frequency.

[0124] Optionally, the adding module 502 is specifically configured to:

[0125] Determining a first business scenario corresponding to the commercial bill according to the commercial bill information of the commercial bill;

[0126] Adding the commercial bill information of the commercial bill to the pending record corresponding to the first business scenario;

[0127] The processing module 503 is specifically used for:

[0128] According to the processing frequency corresponding to the first business scenario and based on the commercial bill information in the to-be-processed record corresponding to the first business scenario, payment processing is performed on the commercial bill.

[0129] Optionally, the processing module 503 is specifically configured to:

[0130] Confirming the authenticity of the commercial bill according to the commercial bill information in the to-be-processed record corresponding to the first business scenario;

[0131] In the case that the commercial bill is authentic, payment processing is performed on the commercial bill.

[0132] Optionally, the processing module 503 is further configured to:

[0133] In the case that the commercial bill is false, the commercial bill information of the commercial bill is sent to the manual platform for manual processing.

[0134] Optionally, the commercial bill information includes the bill holder's account number, the acceptor's account number and the acceptance amount; the processing module 503 is specifically used to:

[0135] Transferring the acceptance amount in the acceptor's account to a first account; the first account is an account of the bank where the acceptor's account is located;

[0136] A first payment response message is sent to the commercial bill exchange, wherein the first payment response message is used to instruct the commercial bill exchange to transfer the acceptance amount from the first account to a second account; the second account is an account of the bank where the holder's account is located.

[0137] Optionally, the processing module 503 is specifically configured to:

[0138] Determining whether the account balance in the acceptor's account is greater than or equal to the acceptance amount;

[0139] In the case where the account balance is greater than or equal to the acceptance amount, the acceptance amount in the acceptor's account is transferred to the first account.

[0140] Based on the same technical concept, the embodiment of the present application provides a computer device, which may be a terminal or a server, such as Figure 6 As shown, it includes at least one processor 601 and a memory 602 connected to the at least one processor. The specific connection medium between the processor 601 and the memory 602 is not limited in the embodiment of the present application. Figure 6 For example, the processor 601 and the memory 602 are connected via a bus. The bus can be divided into an address bus, a data bus, a control bus, etc.

[0141] In the embodiment of the present application, the memory 602 stores instructions that can be executed by at least one processor 601. The at least one processor 601 can execute the steps included in the above-mentioned commercial bill acceptance method by executing the instructions stored in the memory 602.

[0142] Among them, the processor 601 is the control center of the computer device, which can use various interfaces and lines to connect various parts of the computer device, and perform commercial bill acceptance by running or executing instructions stored in the memory 602 and calling data stored in the memory 602. Optionally, the processor 601 may include one or more processing units, and the processor 601 may integrate an application processor and a modem processor, wherein the application processor mainly processes the operating system, user interface, and application programs, and the modem processor mainly processes wireless communications. It is understandable that the above-mentioned modem processor may not be integrated into the processor 601. In some embodiments, the processor 601 and the memory 602 may be implemented on the same chip, and in some embodiments, they may also be implemented separately on independent chips.

[0143] Processor 601 can be a general-purpose processor, such as a central processing unit (CPU), a digital signal processor, an application-specific integrated circuit (ASIC), a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component, and can implement or execute the methods, steps and logic block diagrams disclosed in the embodiments of the present application. A general-purpose processor can be a microprocessor or any conventional processor, etc. The steps of the method disclosed in the embodiments of the present application can be directly embodied as a hardware processor for execution, or can be executed by a combination of hardware and software modules in the processor.

[0144] The memory 602 is a non-volatile computer-readable storage medium that can be used to store non-volatile software programs, non-volatile computer executable programs and modules. The memory 602 may include at least one type of storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory, a random access memory (Random Access Memory, RAM), a static random access memory (Static Random Access Memory, SRAM), a programmable read-only memory (Programmable Read Only Memory, PROM), a read-only memory (Read Only Memory, ROM), an electrically erasable programmable read-only memory (Electrically Erasable Programmable Read-Only Memory, EEPROM), a magnetic memory, a disk, an optical disk, etc. The memory 602 is any other medium that can be used to carry or store a desired program code in the form of an instruction or data structure and can be accessed by a computer, but is not limited thereto. The memory 602 in the embodiment of the present application can also be a circuit or any other device that can realize a storage function, for storing program instructions and / or data.

[0145] Based on the same inventive concept, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program that can be executed by a computer device. When the program runs on the computer device, the computer device executes the steps of the above-mentioned commercial bill acceptance method.

[0146] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0147] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0148] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0149] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0150] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A commercial bill acceptance method, characterized in that: Applied to the first terminal device, including: Receiving a first prompt message sent from the commercial bill exchange, the first prompt message including commercial bill information of the commercial bill, and the first prompt message is used to instruct the first terminal device to perform payment processing on the commercial bill; Add the commercial bill information of the commercial bill to the pending records; According to the preset processing frequency and the commercial bill information in the to-be-processed record, payment processing is performed on the commercial bill.

2. The method according to claim 1, characterized in that The step of adding the commercial bill information of the commercial bill to the record to be processed includes: Determining a first business scenario corresponding to the commercial bill according to the commercial bill information of the commercial bill; Adding the commercial bill information of the commercial bill to the pending record corresponding to the first business scenario; The payment processing of the commercial bill according to the commercial bill information in the to-be-processed record according to the preset processing frequency includes: According to the processing frequency corresponding to the first business scenario and based on the commercial bill information in the to-be-processed record corresponding to the first business scenario, payment processing is performed on the commercial bill.

3. The method according to claim 2, characterized in that The performing payment processing on the commercial bill according to the commercial bill information in the to-be-processed record corresponding to the first business scenario includes: Confirming the authenticity of the commercial bill according to the commercial bill information in the to-be-processed record corresponding to the first business scenario; In the case that the commercial bill is authentic, payment processing is performed on the commercial bill.

4. The method according to claim 3, characterized in that Also includes: In the case that the commercial bill is false, the commercial bill information of the commercial bill is sent to the manual platform for manual processing.

5. The method according to claim 2, characterized in that The commercial bill information includes the bill holder's account number, the acceptor's account number and the acceptance amount; The payment processing of the commercial bill includes: Transferring the acceptance amount in the acceptor's account to a first account; the first account is an account of the bank where the acceptor's account is located; A first payment response message is sent to the commercial bill exchange, wherein the first payment response message is used to instruct the commercial bill exchange to transfer the acceptance amount from the first account to a second account; the second account is an account of the bank where the holder's account is located.

6. The method according to claim 5, characterized in that The transferring of the acceptance amount in the acceptor's account to the first account includes: Determining whether the account balance in the acceptor's account is greater than or equal to the acceptance amount; In the case where the account balance is greater than or equal to the acceptance amount, the acceptance amount in the acceptor's account is transferred to the first account.

7. A commercial bill acceptance device, characterized in that: include: A transceiver module, used for receiving a first prompt message sent from a commercial bill exchange, wherein the first prompt message includes commercial bill information of the commercial bill, and the first prompt message is used for instructing the first terminal device to perform payment processing on the commercial bill; An adding module, used for adding the commercial bill information of the commercial bill to the pending records; The processing module is used to process the payment of the commercial bill according to the commercial bill information in the to-be-processed record at a preset processing frequency.

8. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the steps of any one of the methods of claims 1 to 6 are implemented.

9. A computer-readable storage medium, characterized in that: It stores a computer program executable by a computer device. When the program is run on the computer device, the computer device executes the steps of any method described in claims 1 to 6.

10. A computer program product, characterized in that The invention comprises a computer program executable by a computer device, and when the program is run on the computer device, the computer device executes the steps of any one of the methods of claims 1 to 6.

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