Bill processing method and device, storage medium and computer program product

Abstract

The embodiment of the invention provides a bill processing method and device, a computer readable storage medium and a computer program product. The method can be applied to the field of financial science and technology. The method comprises the following steps: receiving a to-be-processed bill sent by a target terminal; a first graphic code is arranged in the to-be-processed bill; receiving first bill information obtained by scanning the first graphic code by a scanning device; the first bill information comprises second financial institution information; extracting second bill information of a handwritten form type in the to-be-processed bill, and generating a second graphic code based on the first bill information and the second bill information; sending a bill checking instruction to the second financial institution according to the second financial institution information; the bill checking instruction is used for indicating and checking the bill state and authenticity of the bill to be processed, and the bill checking instruction comprises a second graphic code; receiving a bill checking result returned by the second financial institution; and executing a corresponding operation on the to-be-processed bill according to the bill checking result. According to the method, the bill processing efficiency is improved.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of financial technology, and in particular, to a bill processing method, device, computer-readable storage medium, and computer program product. Background Art

[0002] Bill exchange refers to the process of inter-bank bill collection and payment, mutual exchange and clearing of funds between banks and other financial institutions. The bill issuing institution and the bill receiving institution in bill exchange are different.

[0003] The relevant technology is generally that after financial institutions receive bills, they mainly rely on manual methods to process the bills, which has high manpower and time costs, and low bill processing efficiency. Summary of the invention

[0004] The embodiments of the present application provide a bill processing method, device, computer-readable storage medium and computer program product, which can realize automatic entry of bill information and improve bill processing efficiency.

[0005] In a first aspect, an embodiment of the present application provides a bill processing method, which is applied to a first financial institution, comprising:

[0006] Receiving a to-be-processed bill sent by a target terminal; wherein the to-be-processed bill is provided with a first graphic code;

[0007] Receiving first bill information obtained by a scanning device by scanning the first graphic code; wherein the first bill information includes second financial institution information;

[0008] Extracting second bill information of handwritten type from the bill to be processed, and generating a second graphic code based on the first bill information and the second bill information;

[0009] Sending a bill verification instruction to the second financial institution according to the second financial institution information; wherein the bill verification instruction is used to instruct the second financial institution to verify the bill status and authenticity of the bill to be processed, and the bill verification instruction includes the second graphic code;

[0010] receiving a bill verification result returned by the second financial institution; wherein the bill verification result is obtained by the second financial institution from a database according to the second graphic code;

[0011] Execute corresponding operations on the bill to be processed according to the bill verification result.

[0012] In a second aspect, an embodiment of the present application provides a bill processing method, which is applied to a second financial institution, including:

[0013] Receiving a bill verification instruction for a bill to be processed sent by a first financial institution; wherein the bill to be processed is provided with a first graphic code, and the bill verification instruction includes a second graphic code, and the second graphic code is obtained based on first bill information carried in the first graphic code and second bill information of handwritten type in the bill to be processed;

[0014] Receiving third ticket information obtained by a scanning device through scanning the second graphic code;

[0015] Based on the bill verification instruction, verify the bill status and authenticity of the bill to be processed according to the third bill information and the database of the second financial institution to obtain a bill verification result;

[0016] The bill verification result is sent to the first financial institution, so that the first financial institution performs corresponding operations on the bill to be processed based on the bill verification result.

[0017] In a third aspect, an embodiment of the present application provides a bill processing device, including:

[0018] A receiving module, used for receiving a to-be-processed bill sent by a target terminal; wherein the to-be-processed bill is provided with a first graphic code;

[0019] An acquisition module, configured to acquire first bill information obtained by a scanning device through scanning the first graphic code; wherein the first bill information includes second financial institution information;

[0020] a processing module, configured to extract second bill information of a handwritten type from the bill to be processed, and generate a second graphic code based on the first bill information and the second bill information;

[0021] a sending module, configured to send a bill verification instruction to a second financial institution according to the information of the second financial institution; wherein the bill verification instruction is used to instruct the second financial institution to verify the bill status and authenticity of the bill to be processed, and the bill verification instruction includes the second graphic code;

[0022] The receiving module is further used to receive the bill verification result returned by the second financial institution; wherein the bill verification result is obtained by the second financial institution from the database according to the second graphic code;

[0023] The processing module is further used to perform corresponding operations on the bill to be processed according to the bill verification result.

[0024] In a fourth aspect, an embodiment of the present application provides a bill processing device, including:

[0025] A receiving module, configured to receive a bill verification instruction for a bill to be processed sent by a first financial institution; wherein the bill to be processed is provided with a first graphic code, and the bill verification instruction includes a second graphic code, and the second graphic code is obtained based on first bill information carried in the first graphic code and second bill information of a handwritten type in the bill to be processed;

[0026] An acquisition module, used for acquiring third bill information obtained by a scanning device through scanning the second graphic code;

[0027] a processing module, configured to verify the bill status and authenticity of the bill to be processed based on the bill verification instruction, according to the third bill information and the database of the second financial institution, and obtain a bill verification result;

[0028] The sending module is used to send the bill verification result to the first financial institution, so that the first financial institution performs corresponding operations on the bill to be processed based on the bill verification result.

[0029] In a fifth aspect, an embodiment of the present application provides an electronic device, comprising a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the steps of the bill processing method provided in the first aspect or the second aspect of the embodiment of the present application are implemented.

[0030] In a sixth aspect, an embodiment of the present application provides a computer-readable storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the steps of the bill processing method provided in the first aspect or the second aspect of the embodiment of the present application are implemented.

[0031] In the seventh aspect, an embodiment of the present application provides a computer program product on which a computer program is stored. When the computer program is executed by a processor, the steps of the bill processing method provided in the first aspect or the second aspect of the embodiment of the present application are implemented.

[0032] The technical solution provided by the embodiment of the present application receives the bill to be processed, obtains the first bill information obtained by the scanning device through scanning the first graphic code in the bill to be processed, and extracts the second bill information of the handwritten type in the bill to be processed, generates a second graphic code based on the first bill information and the second bill information, carries the second graphic code in the bill verification instruction and sends it to the second financial institution to instruct the second financial institution to verify the bill status and authenticity of the bill to be processed, receives the bill verification result obtained by the second financial institution based on the second graphic code, and performs corresponding operations on the bill to be processed according to the obtained bill verification result, thereby realizing automatic processing of the bill, without the need for manual entry of the bill information, and improving the efficiency of bill processing; and the bill information is transmitted by the graphic code, thereby improving the security of the bill information transmission, thereby improving the reliability of bill processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] Figure 1 A schematic diagram of an application scenario adapted by the bill processing method provided in an embodiment of the present application;

[0034] Figure 2 A schematic diagram of a process flow of a bill processing method provided in an embodiment of the present application;

[0035] Figure 3 A schematic diagram of a process flow of extracting second bill information provided in an embodiment of the present application;

[0036] Figure 4 Another flowchart of the bill processing method provided in the embodiment of the present application;

[0037] Figure 5 A schematic diagram of the structure of a bill processing device provided in an embodiment of the present application;

[0038] Figure 6 Another structural schematic diagram of a bill processing device provided in an embodiment of the present application;

[0039] Figure 7 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0040] In order to make the purpose, technical solutions and advantages of the present application clearer, the technical solutions in the embodiments of the present application are further described in detail through the following embodiments and in combination with the accompanying drawings. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application. Those skilled in the art can make adjustments to them as needed to suit specific application scenarios. It should also be noted that, for ease of description, only the parts related to the present application are shown in the accompanying drawings, rather than all structures.

[0041] A bill is a valuable document issued by the drawer (e.g., the bill issuing institution) that stipulates that the drawer or the entrusting payee will unconditionally pay a certain amount of money to the payee or holder upon presentation of the bill or on a specified date. Bills generally include bills of exchange, promissory notes, and checks. Different bill issuing institutions issue different bills. Therefore, after the bill holder obtains the bill from the bill issuing institution, if the bill receiving institution is different from the bill issuing institution, the bill holder needs to go to the bill receiving institution to exchange the bill.

[0042] Currently, after receiving bills, bill receiving institutions mainly rely on manual methods to process bills, such as manual entry of bill information and manual exchange of bills, which results in high manpower and time costs and low bill processing efficiency.

[0043] To this end, the technical solution provided in the embodiment of the present application sets a graphic code in the bill, automatically obtains the bill information by scanning the graphic code, and establishes a bill exchange system at the same time, so that the bill processing efficiency between the bill issuing institution and the bill receiving institution is improved, and the bill information is transmitted between the bill issuing institution and the bill receiving institution through the graphic code, which also improves the reliability of bill processing.

[0044] It should be noted that the information collected in the embodiments of the present application are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant countries and regions, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0045] Figure 1 A schematic diagram of an application scenario adapted by the bill processing method provided in the embodiment of the present application. For ease of description, the following takes the example of a bill exchange institution including a first financial institution and a second financial institution. Figure 1 As shown, the application scenario may include a terminal device 101, a first financial institution terminal 102, and a second financial institution terminal 103. The terminal device 101 and the first financial institution terminal 102, as well as the first financial institution terminal 102 and the second financial institution terminal 103 may exchange information through a communication network, wherein the communication mode adopted by the communication network may be divided into a wireless communication mode or a wired communication mode. Exemplarily, the wireless communication network may include a cellular mobile communication network (e.g., a fifth generation mobile communication (5th Genearation, 5G) network or a 6G network) or a short-range wireless communication network (e.g., a wireless fidelity (Wireless Fidelity, Wi-Fi) network).

[0046] In a possible application scenario, the first financial institution terminal 102 receives the bill to be processed submitted by the terminal device 101, obtains the first bill information by scanning the first graphic code in the bill to be processed through a scanning device, extracts the second bill information of the handwritten type in the bill to be processed, generates a second graphic code according to the first bill information and the second bill information, and sends the second graphic code to the second financial institution terminal 103 in a bill verification instruction. The second financial institution terminal 103 obtains the third bill information by scanning the second graphic code through a scanning device, verifies the bill status and authenticity of the bill to be processed based on the third bill information and a database, and sends the bill verification result to the first financial institution terminal 102. The first financial institution terminal 102 performs corresponding operations on the bill to be processed based on the bill verification result, and displays the bill processing result through the terminal device 101.

[0047] It should be noted that the bill processing method provided in the embodiment of the present application can be executed by a bill processing device, which can be implemented by software and / or hardware and can be integrated into the above-mentioned first financial institution end 102 or the first financial institution end 103.

[0048] To simplify the description, the first financial institution side may also be referred to as the first financial institution, and the second financial institution side may also be referred to as the second financial institution. The following takes the first financial institution as an example:

[0049] Figure 2 A flow chart of a bill processing method provided in an embodiment of the present application. The method is applied to a first financial institution, such as Figure 2 As shown, the method includes:

[0050] S201, receiving a to-be-processed bill sent by a target terminal.

[0051] Specifically, the bill to be processed is issued by the second financial institution, and the user submits the bill to be processed to the first financial institution through the target terminal. The user is a user of the first financial institution, that is, the first financial institution has the business account of the user, and the first financial institution receives the bill to be processed submitted by the user. In order to facilitate the acquisition of some fixed bill information in the bill to be processed, a first graphic code can be set at the corresponding position in the bill to be processed, and some fixed bill information in the bill to be processed can be embedded in the first graphic code. The position of the first graphic code in the bill to be processed can be set based on actual needs, for example, set at the upper left corner, upper right corner, lower left corner or lower right corner of the bill to be processed. In this way, the first financial institution can directly read the fixed bill information in the bill to be processed through a scanning device, without the need for staff to manually enter the bill information. Here, the fixed bill information in the bill to be processed can be referred to as the first bill information. Optionally, the first bill information includes but is not limited to a bill identifier, a payment account number, information of the second financial institution, and a payment account name. Optionally, the first graphic code can be a barcode or a QR code, etc., and this embodiment does not specifically limit the type of the first graphic code.

[0052] Optionally, the process of the first financial institution receiving the to-be-processed bill sent by the target terminal may include: receiving the to-be-processed bill sent by the target terminal through a bill interface that matches the device type of the target terminal.

[0053] The type of the bill interface is pre-set based on the type of the target terminal, and can effectively adapt to various types of terminal devices. Optionally, the bill interface includes but is not limited to: at least one of a check machine interface, an online banking interface, a mobile terminal device interface, and a business outlet server interface. The first financial institution can select a bill interface that matches the type of the target terminal from the at least one bill interface in combination with the type of the target terminal to receive the bill to be processed sent by the target terminal.

[0054] From the above description, it can be seen that the bill processing method provided by the embodiment of the present application, which is implemented with the first financial institution as the execution entity, can receive bills submitted by devices such as check machines, online banking, mobile terminal devices and business branch servers, further improving the convenience and efficiency of users in exchanging bills.

[0055] S202: Acquire first bill information obtained by a scanning device through scanning a first graphic code.

[0056] After obtaining the bill to be processed, the scanning device can be controlled / called to scan the first graphic code in the bill to be processed, and the first bill information obtained by the scanning device through scanning the first graphic code can be obtained. The first bill information includes but is not limited to the bill identification, the payee account number, the second financial institution information and the payee account name, etc. The second financial institution information may include the identification information of the second financial institution, such as the number, name, etc.

[0057] S203: extract the second bill information of the handwritten type from the bill to be processed, and generate a second graphic code based on the first bill information and the second bill information.

[0058] Specifically, in addition to the first bill information mentioned above, the bill to be processed also includes some second bill information of handwritten type. The second bill information is usually information manually filled in by the payee in the bill to be processed, involving relevant information of the payee, such as the payee's account number, the payee's account name, the amount to be paid, and the currency type. Therefore, in order to obtain comprehensive bill information, the second bill information of handwritten type in the bill to be processed can also be extracted through certain technical means.

[0059] Furthermore, after obtaining the first bill information and the second bill information, a second graphic code can be generated based on the first bill information and the second bill information, or the first graphic code can be updated using the second bill information to obtain the second graphic code. Optionally, the second graphic code can be a barcode or a QR code, etc., and this embodiment does not specifically limit the type of the second graphic code.

[0060] Furthermore, the second graphic code may be carried in a bill verification instruction and sent to a second financial institution, so that the second financial institution can verify the bill status and authenticity of the bill to be processed based on the second graphic code.

[0061] S204. Send a bill verification instruction to the second financial institution according to the second financial institution information.

[0062] The bill verification instruction is used to instruct the second financial institution to verify the bill status and authenticity of the bill to be processed, and the bill verification instruction includes the second graphic code.

[0063] In the process of exchanging bill information between the first financial institution and the second financial institution, the bill information is replaced by a graphic code, so that the information contained in the graphic code is tamper-proof, which can prevent the bill information from being maliciously tampered with during transmission, thereby improving the security of bill exchange.

[0064] In the embodiment of the present application, after receiving the bill verification instruction, the second financial institution parses the bill verification instruction and verifies the bill status and authenticity of the bill to be processed according to the parsed second graphic code. The verification of the bill status here mainly verifies whether the bill to be processed has been exchanged, and the verification of authenticity mainly verifies the authenticity of the bill to be processed, that is, verifies whether the bill to be processed is a real bill or a forged bill.

[0065] S205. Receive the bill verification result returned by the second financial institution.

[0066] The bill verification result is obtained by the second financial institution from the database according to the second graphic code.

[0067] The second financial institution verifies the bill status and authenticity of the bill to be processed based on the bill information carried in the second graphic code and the database of the second financial institution, and returns the bill verification result. Optionally, the second financial institution can obtain the bill status information from the database based on the bill identification information carried in the second graphic code, and the bill status information may include unredeemed and redeemed. Optionally, the second financial institution can also obtain the bill element information from the database based on the bill identification information carried in the second graphic code, and the bill element information includes the issuing bank information, bill number and account number, etc. The second financial institution compares the bill information carried in the second graphic code with the bill element information. If the comparison result shows that the bill information and the bill element information are consistent, a result is generated that the bill to be processed has passed the authenticity verification; if the comparison result shows that the bill information and the bill element information are inconsistent, a result is generated that the bill to be processed has not passed the authenticity verification.

[0068] S206. Execute corresponding operations on the bills to be processed according to the bill verification results.

[0069] The first financial institution receives the bill verification result returned by the second financial institution, and performs corresponding operations on the bill to be processed according to the bill verification result.

[0070] Optionally, the above S206 may include: when the bill verification result indicates that the bill to be processed has not been exchanged and the authenticity verification has passed, exchanging the bill to be processed; when the bill verification result indicates that the bill to be processed has been exchanged and / or the authenticity verification has failed, returning or recovering the bill to be processed, and invalidating the second graphic code.

[0071] Through this method, it can be ensured that only authentic, valid and redeemable bills can be traded, preventing the repeated redemption of bills and improving the security of bill redemption; bills that fail the authenticity check and / or have been redeemed are returned or recycled, effectively preventing false bills, forged bills and other non-compliant bills from entering the circulation link, further improving the security of bill redemption.

[0072] The bill processing method provided in the embodiment of the present application receives the bill to be processed, obtains the first bill information obtained by the scanning device through scanning the first graphic code in the bill to be processed, and extracts the second bill information of the handwritten type in the bill to be processed, generates a second graphic code based on the first bill information and the second bill information, carries the second graphic code in the bill verification instruction and sends it to the second financial institution to instruct the second financial institution to verify the bill status and authenticity of the bill to be processed, receives the bill verification result obtained by the second financial institution based on the second graphic code, and performs corresponding operations on the bill to be processed according to the obtained bill verification result, thereby realizing automatic processing of the bill, without the need for manual entry of the bill information, and improving the bill processing efficiency; and the bill information is transmitted by the graphic code, thereby improving the security of the bill information transmission.

[0073] In one embodiment, optionally, Figure 3 As shown, the above-mentioned extraction of the second bill information of the handwritten type in the bill to be processed may include:

[0074] S301, obtaining a bill image of a bill to be processed.

[0075] S302: Perform text region detection on the bill image to obtain the handwritten text region in the bill image.

[0076] S303: Recognize the text content in the handwritten text area by using a text recognition model to obtain second bill information.

[0077] In this embodiment, the second bill information is usually the bill information in the bill to be processed whose font is a handwritten type. In order to obtain the second bill information, the bill to be processed can be scanned to obtain a bill image, and the handwritten text area in the bill image can be detected. The text content in the handwritten text area is recognized using a text recognition model to obtain the second bill information in a handwritten font.

[0078] Specifically, the handwritten text area in the bill image can be detected by a pre-trained text area detection model, that is, the bill image to be extracted with the second bill information is input into the text area detection model, and the handwritten text area in the bill image is determined based on the output of the text area detection model.

[0079] In some examples, the text region detection model can be trained by the following process: obtaining a training data set, which includes sample bill images containing handwritten text, performing handwritten text region marking processing on the data set to obtain a marking result of the data set; inputting the data set into the text region detection model to be trained to obtain a predicted handwritten text region detection result of the data set; comparing the predicted handwritten text region detection result with the marking result to obtain a comparison result; optimizing the text region detection model to be trained based on the comparison result and a preset loss function until a preset iteration termination condition is met to obtain a trained text region detection model.

[0080] The marking results of the above dataset can be regarded as the real handwritten text area of ​​the dataset. The predicted handwritten text area detection result is compared with the real handwritten text area. The error between the two is calculated through a pre-defined loss function, and the error is compared with a preset threshold. If the error is greater than the preset threshold, the error is back-propagated layer by layer through the back-propagation algorithm to obtain the partial derivative of the loss function with respect to the neuron weights in each layer of the model layer by layer. The gradient of the loss function with respect to the weight is used as the gradient of the loss function with respect to the weight. The gradient is fed back to the loss function to update the weight to minimize the loss function. When the error is less than the preset threshold, the training of the text area detection model is completed.

[0081] In some examples, the text recognition model may include a convolution layer, a bidirectional long short-term memory network (LSTM) layer, and a transcription layer. The text content in the handwritten text area is recognized by the text recognition model, including: inputting the handwritten text area into the convolution layer for feature extraction to obtain a feature sequence of the handwritten text area; inputting the feature sequence into the bidirectional LSTM layer for contextual semantic information extraction to predict the label distribution of each feature vector in the feature sequence to obtain character prediction sequence information; inputting the character prediction sequence information into the transcription layer for integration to obtain the second bill information in the bill image.

[0082] In this embodiment, text area detection is performed on the bill image to obtain the handwritten text area in the bill image, and the text content in the handwritten text area is recognized by a text recognition model to obtain the second bill information. That is, this solution can accurately locate the handwritten text area in the bill image, thereby improving the recognition accuracy of handwritten type bill information, and further improving the reliability of bill exchange.

[0083] In one embodiment, optionally, the above process of generating a second graphic code based on the first bill information and the second bill information may include: checking the consistency of the second bill information based on the database of the first financial institution; when the checking result indicates the consistency of the second bill information, merging the first bill information and the second bill information to obtain merged bill information; encrypting the merged bill information, and generating a second graphic code based on the encrypted bill information.

[0084] Specifically, after obtaining the second bill information, the first financial institution can check the consistency of the second bill information based on its own database, that is, check whether the second bill information is consistent with the information recorded in the database, such as checking whether the payee's account number exists, whether the payee's account number and the payee's account name match, etc. By verifying the second bill information, it can be ensured that the bill amount can be accurately transferred to the designated account, thereby improving the reliability of bill processing.

[0085] In the case where the verification result indicates that the consistency of the second bill information is not passed, the bill to be processed is returned, and the reason for the bill return is sent to the target terminal. In the case where the verification result indicates that the consistency of the second bill information is passed, the first bill information and the second bill information are integrated to provide a complete data source for the subsequent generation of the second graphic code. After obtaining the merged / integrated bill information, an encryption algorithm can be used to encrypt the merged / integrated information. The encryption algorithm here includes but is not limited to a symmetric encryption algorithm, an asymmetric encryption algorithm, and a hash function. By encrypting the bill information, unauthorized access to the bill information is prevented, thereby improving the security of bill information transmission. After obtaining the encrypted bill information, a second graphic code is generated based on the encrypted bill information. By replacing the bill information with a graphic code, the information contained in the graphic code is tamper-proof, which can prevent the bill information from being maliciously tampered with during the transmission process, thereby improving the security of bill exchange. In addition, the second financial institution can directly obtain the bill information of the bill to be processed by scanning the second graphic code, without the need for staff to manually enter the bill information, thereby improving the efficiency of bill information entry.

[0086] In some embodiments, optionally, the bill processing method also includes: during the processing of the bill to be processed, recording the bill processing status of the bill to be processed; sending bill status notification information to the target terminal in a preset manner; wherein the bill status notification information is used to prompt the latest bill processing status of the bill to be processed.

[0087] The bill processing status here may include "pending review", "under review", "passed review", "pending exchange", "exchange completed", etc. For example, after receiving the bill to be processed sent by the target terminal, the bill processing status of the bill to be processed is recorded as "pending review". If the bill verification result indicates that the bill to be processed has not been exchanged and the authenticity verification has passed, before the bill to be processed is exchanged, the bill processing status of the bill to be processed is adjusted to "pending exchange". After the bill to be processed is exchanged, the bill processing status of the bill to be processed is adjusted to "exchange completed".

[0088] When the bill processing status is updated, the sending of the bill status notification information is triggered, that is, based on the latest bill processing status of the bill to be processed, the bill status notification information that is easy for users to understand is generated in a specified format, and the bill status notification information is sent to the target terminal in a preset manner. For example, when the bill processing status changes from "under review" to "approved", the bill status notification information generated based on the latest bill processing status can be "Your bill has successfully passed the review stage and is currently undergoing the next step of processing." Furthermore, the bill status notification information is sent to the target terminal in a preset manner. The preset method includes but is not limited to email, text message, instant messaging tool or message push within online banking, etc.

[0089] When the bill processing status is updated, the bill status notification information is sent to the user in a timely manner, so that the user can be informed of the latest processing status of the bill to be processed in a timely manner, thereby improving the user experience.

[0090] Figure 4 Another flow chart of the bill processing method provided in the embodiment of the present application is shown in FIG. Figure 4 As shown, the method may include:

[0091] S401: Receive a bill verification instruction for a bill to be processed sent by a first financial institution.

[0092] Among them, a first graphic code is set in the bill to be processed, and the bill verification instruction is used to instruct the verification of the bill status and authenticity of the bill to be processed. The bill status here mainly refers to whether the bill to be processed has been exchanged, and the bill verification instruction includes a second graphic code, which is based on the first bill information carried in the first graphic code and the second bill information of handwritten type in the bill to be processed.

[0093] The first bill information mentioned above mainly refers to some fixed bill information in the bill to be processed, which can be embedded in the first graphic code, and the first graphic code is set at the corresponding position of the bill to be processed, so that the first financial institution can obtain the first bill information by scanning the first graphic code. The second bill information refers to some handwritten bill information in the bill to be processed, involving relevant information of the payee, such as the payee's account number, the payee's account name, the amount to be paid, and the currency type.

[0094] S402: Acquire third bill information obtained by the scanning device through scanning the second graphic code.

[0095] The second financial institution parses the bill verification instruction, obtains the second graphic code, controls / calls the scanning device to scan the second graphic code, and receives the third bill information obtained by the scanning device by scanning the second graphic code. The third bill information can be understood as the bill information integrated with the first bill information and the second bill information, which is the complete bill information of the bill to be processed.

[0096] S403: Based on the bill verification instruction, the bill status and authenticity of the bill to be processed are verified according to the third bill information and the database of the second financial institution to obtain a bill verification result.

[0097] The second financial institution can obtain the bill status information from the database based on the bill identification information in the third bill information. The bill status information may include unredeemed and redeemed. By querying the database, the verification result of whether the bill to be processed has been redeemed can be obtained. Furthermore, the second financial institution can also obtain the bill element information from the database based on the above bill identification information. The bill element information includes the issuing bank information, bill number and account number, etc. The second financial institution compares the third bill information with the bill element information. If the comparison result shows that the third bill information and the bill element information are consistent, the result that the bill to be processed has passed the authenticity verification is generated; if the comparison result shows that the third bill information and the bill element information are inconsistent, the result that the bill to be processed has not passed the authenticity verification is generated.

[0098] S404: Send the bill verification result to the first financial institution, so that the first financial institution performs corresponding operations on the bill to be processed based on the bill verification result.

[0099] The second financial institution sends the bill verification result to the first financial institution, and the first financial institution performs corresponding operations on the bill to be processed based on the bill verification result. Optionally, if the bill verification result indicates that the bill to be processed has not been exchanged and the authenticity check has passed, the second financial institution saves the third bill information in the database, and after the bill to be processed is successfully exchanged, records the bill status information associated with the third bill information in the database, that is, changes the bill status information associated with the third bill information from "unexchanged" to "exchanged", providing a data basis for bill status verification; if the bill verification result indicates that the bill to be processed has been exchanged and / or the authenticity check has not passed, the second financial institution invalidates / discards the third bill information.

[0100] In this embodiment, by receiving a bill verification instruction sent by the first financial institution, the bill verification instruction includes a second graphic code, obtaining third bill information obtained by the scanning device by scanning the second graphic code, verifying the bill status and authenticity of the third bill information based on the database, and feeding back the bill verification result to the first financial institution, so that the first financial institution performs corresponding operations on the bill to be processed based on the bill verification result, thereby realizing automatic processing of the bill, and eliminating the need for manual entry of the bill information, thereby improving the efficiency of bill processing; and the bill information is transmitted between the first financial institution and the second financial institution through the graphic code, thereby improving the security of bill information transmission, thereby improving the reliability of bill processing.

[0101] Figure 5 A schematic diagram of the structure of a bill processing device provided in an embodiment of the present application. The device is integrated in a first financial institution, such as Figure 5 As shown, the device may include: a receiving module 501, an acquiring module 502, a processing module 503 and a sending module 504.

[0102] Specifically, the receiving module 501 is used to receive a to-be-processed bill sent by a target terminal; wherein the to-be-processed bill is provided with a first graphic code;

[0103] The acquisition module 502 is used to acquire the first bill information obtained by the scanning device by scanning the first graphic code; wherein the first bill information includes the second financial institution information;

[0104] The processing module 503 is used to extract the second bill information of the handwritten type from the bill to be processed, and generate a second graphic code based on the first bill information and the second bill information;

[0105] The sending module 504 is used to send a bill verification instruction to the second financial institution according to the second financial institution information; wherein the bill verification instruction is used to instruct the second financial institution to verify the bill status and authenticity of the bill to be processed, and the bill verification instruction includes the second graphic code;

[0106] The receiving module 501 is also used to receive the bill verification result returned by the second financial institution; wherein the bill verification result is obtained by the second financial institution from the database according to the second graphic code;

[0107] The processing module 503 is further configured to perform corresponding operations on the bill to be processed according to the bill verification result.

[0108] Based on the above embodiment, optionally, the processing module 503 is also used to obtain a bill image of the bill to be processed; perform text area detection on the bill image to obtain a handwritten text area in the bill image; and recognize the text content in the handwritten text area through a text recognition model to obtain the second bill information.

[0109] Based on the above embodiment, optionally, the processing module 503 is also used to verify the consistency of the second bill information based on the database of the first financial institution; when the verification result indicates that the consistency of the second bill information is passed, the first bill information and the second bill information are merged to obtain merged bill information; the merged bill information is encrypted, and a second graphic code is generated based on the encrypted bill information.

[0110] Based on the above embodiment, optionally, the processing module 503 is also used to exchange the bill to be processed when the bill verification result indicates that the bill to be processed has not been exchanged and the authenticity verification has passed; when the bill verification result indicates that the bill to be processed has been exchanged and / or the authenticity verification has failed, the bill to be processed is returned or recovered, and the second graphic code is invalidated.

[0111] Based on the above embodiment, optionally, the processing module 503 is further used to record the bill processing status of the bill to be processed during the processing of the bill to be processed;

[0112] The sending module 504 is further configured to send bill status notification information to the target terminal in a preset manner when the bill processing status is updated; wherein the bill status notification information is configured to indicate the latest bill processing status of the bill to be processed.

[0113] On the basis of the above embodiment, optionally, the receiving module 501 is further configured to receive the to-be-processed bill sent by the target terminal through a bill interface matched with the device type of the target terminal.

[0114] Figure 6 Another structural diagram of the bill processing device provided in the embodiment of the present application. The device is integrated in a second financial institution, such as Figure 6 As shown, the device may include: a receiving module 601 , an acquiring module 602 , a processing module 603 and a sending module 604 .

[0115] Specifically, the receiving module 601 is used to receive a bill verification instruction for a bill to be processed sent by a first financial institution; wherein the bill to be processed is provided with a first graphic code, and the bill verification instruction includes a second graphic code, and the second graphic code is obtained based on the first bill information carried in the first graphic code and the second bill information of the handwritten type in the bill to be processed;

[0116] The acquisition module 602 is used to acquire the third bill information obtained by the scanning device by scanning the second graphic code;

[0117] The processing module 603 is used to verify the bill status and authenticity of the bill to be processed based on the bill verification instruction, according to the third bill information and the database of the second financial institution, and obtain a bill verification result;

[0118] The sending module 604 is used to send the bill verification result to the first financial institution, so that the first financial institution performs corresponding operations on the bill to be processed based on the bill verification result.

[0119] Figure 7 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application, the electronic device may be a device associated with the first financial institution in the above embodiment, or a device associated with the second financial institution, such as Figure 7 As shown, the device includes a processor 70, a memory 71, an input device 72 and an output device 73; the number of processors 70 in the device can be one or more. Figure 7 A processor 70 is taken as an example; the processor 70, memory 71, input device 72 and output device 73 in the device can be connected by a bus or other means. Figure 7 The example of connecting through bus is taken in the following.

[0120] The memory 71 is a computer-readable storage medium that can be used to store software programs, computer executable programs and modules, such as program instructions / modules corresponding to the bill processing method in the embodiments of the present application. The processor 70 executes various functional applications and data processing of the device by running the software programs, instructions and modules stored in the memory 71, that is, implementing the bill processing method provided in any of the above embodiments.

[0121] The memory 71 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system and at least one application required for a function; the data storage area may store data created during the bill processing process, etc. In addition, the memory 71 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some instances, the memory 71 may further include a memory remotely arranged relative to the processor 70, and these remote memories may be connected to the device / terminal / server via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0122] The input device 72 may be used to receive input digital or character information and generate key signal input related to user settings and function control of the electronic device. The output device 73 may include a display device such as a display screen.

[0123] In one embodiment, a computer-readable storage medium is further provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of the bill processing method provided in any of the above embodiments are implemented.

[0124] In one embodiment, a computer program product is also provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of the bill processing method provided in any of the above embodiments are implemented.

[0125] The bill processing device, electronic device, computer-readable storage medium, and computer program product provided in the above embodiments can execute the bill processing method provided in any embodiment of the present application, and have the corresponding functional modules and beneficial effects of executing the method. For technical details not described in detail in the above embodiments, please refer to the bill processing method provided in any embodiment of the present application.

[0126] Through the above description of the implementation method, the technicians in the relevant field can clearly understand that the present application can be implemented with the help of software and necessary general hardware, and of course it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as a computer floppy disk, read-only memory (ROM), random access memory (RAM), flash memory (FLASH), hard disk or optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, server, or network device, etc.) to execute the methods of each embodiment of the present application.

[0127] It is worth noting that the various units and modules included in the above embodiments are only divided according to functional logic, but are not limited to the above division, as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of this application.

[0128] Note that the above are only preferred embodiments of the present application and the technical principles used. Those skilled in the art will understand that the present application is not limited to the specific embodiments herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present application. Therefore, although the present application is described in more detail through the above embodiments, the present application is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present application, and the scope of the present application is determined by the scope of the appended claims.

Claims

1. A bill processing method, characterized in that: Applied to the first financial institutions, including: Receiving a to-be-processed bill sent by a target terminal; wherein the to-be-processed bill is provided with a first graphic code; Acquire first bill information obtained by a scanning device by scanning the first graphic code; wherein the first bill information includes second financial institution information; Extracting second bill information of handwritten type from the bill to be processed, and generating a second graphic code based on the first bill information and the second bill information; Sending a bill verification instruction to the second financial institution according to the second financial institution information; wherein the bill verification instruction is used to instruct the second financial institution to verify the bill status and authenticity of the bill to be processed, and the bill verification instruction includes the second graphic code; receiving a bill verification result returned by the second financial institution; wherein the bill verification result is obtained by the second financial institution from a database according to the second graphic code; Execute corresponding operations on the bill to be processed according to the bill verification result.

2. The method according to claim 1, characterized in that The step of extracting the second bill information of the handwritten type from the bill to be processed includes: Acquire a bill image of the bill to be processed; Performing text region detection on the bill image to obtain a handwritten text region in the bill image; The text content in the handwritten text area is recognized by a text recognition model to obtain the second bill information.

3. The method according to claim 1, characterized in that The generating a second graphic code based on the first bill information and the second bill information comprises: checking the consistency of the second bill information based on the database of the first financial institution; If the checking result indicates that the second bill information passes the consistency check, the first bill information and the second bill information are merged to obtain merged bill information; The merged bill information is encrypted, and a second graphic code is generated based on the encrypted bill information.

4. The method according to claim 1, characterized in that: The performing corresponding operations on the to-be-processed bills according to the bill verification results includes: If the bill verification result indicates that the bill to be processed has not been exchanged and the authenticity check has passed, the bill to be processed is exchanged; When the bill verification result indicates that the bill to be processed has been exchanged and / or has failed the authenticity verification, the bill to be processed is returned or recovered, and the second graphic code is invalidated.

5. The method according to any one of claims 1 to 4, characterized in that Also includes: During the processing of the bill to be processed, recording the bill processing status of the bill to be processed; When the bill processing status is updated, bill status notification information is sent to the target terminal in a preset manner; wherein the bill status notification information is used to prompt the latest bill processing status of the bill to be processed.

6. The method according to any one of claims 1 to 4, characterized in that The receiving the to-be-processed ticket sent by the target terminal includes: The to-be-processed ticket sent by the target terminal is received through a ticket interface that matches the device type of the target terminal.

7. A bill processing method, characterized in that: Applicable to the second financial institution, including: Receiving a bill verification instruction for a bill to be processed sent by a first financial institution; wherein the bill to be processed is provided with a first graphic code, and the bill verification instruction includes a second graphic code, and the second graphic code is obtained based on first bill information carried in the first graphic code and second bill information of handwritten type in the bill to be processed; Acquire third ticket information obtained by a scanning device through scanning the second graphic code; Based on the bill verification instruction, verify the bill status and authenticity of the bill to be processed according to the third bill information and the database of the second financial institution to obtain a bill verification result; The bill verification result is sent to the first financial institution, so that the first financial institution performs corresponding operations on the bill to be processed based on the bill verification result.

8. An electronic 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 7 are implemented.

9. A computer-readable 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 7 are implemented.

10. A computer program product 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 7 are implemented.

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