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

Abstract

Embodiments of the present application provide a kind of bill processing method, equipment, computer readable storage medium and computer program product, the method can be applied to the field of financial technology.The method comprises: receiving the target terminal sent to be processed bill;First graphic code is arranged in to-be-processed bill;First bill information obtained by scanning device by scanning first graphic code is received;Second financial institution information is included in first bill information;Second bill information of handwriting type in to-be-processed bill is extracted, and second graphic code is generated based on first bill information and second bill information;second financial institution information is sent to second financial institution according to bill check instruction;bill check instruction is used to indicate the bill state and authenticity of checking to-be-processed bill, and second graphic code is included in bill check instruction;bill check result returned by second financial institution is received;according to bill check result, corresponding operation is executed to to-be-processed bill.The method improves bill processing efficiency.

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 collecting and paying bills across banks and other financial institutions, exchanging and clearing funds. 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, applied to a first financial institution, comprising:

[0006] Receiving a bill to be processed sent by a target terminal; wherein the bill to be processed 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 information of a second financial institution;

[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 based on 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 bills to be processed according to the bill verification results.

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

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

[0014] receiving third bill 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, comprising:

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

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

[0020] a processing module, configured to extract second bill information of 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 the second financial institution based on 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;

[0022] The receiving module is further configured to receive 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;

[0023] The processing module is further configured 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, comprising:

[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 graphical code, and the bill verification instruction includes a second graphical code, wherein the second graphical code is obtained based on first bill information carried in the first graphical code and second bill information of handwritten type in the bill to be processed;

[0026] An acquisition module, configured to acquire third bill information obtained by a scanning device by 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, the third bill information, and a database of the second financial institution, to obtain a bill verification result;

[0028] The sending module is configured 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 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.

[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 by 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, and eliminating the need for manual entry of bill information, thereby improving the efficiency of bill processing; and transmitting the bill information through the graphic code improves the security of 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 flowchart of a bill processing method provided in an embodiment of the present application;

[0035] Figure 3 A schematic diagram of a process flow for 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 diagram of the 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 this application more clearly understood, the technical solutions in the embodiments of this application are further described in detail through the following embodiments and in conjunction with the accompanying drawings. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this 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, the drawings only show parts related to this application rather than all structures.

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

[0042] Currently, after receiving bills, bill receiving institutions mainly rely on manual methods to process bills, such as manually entering bill information and manually exchanging 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 is 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 relevant data comply with the relevant laws, regulations and standards of 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. Information exchange can be performed between the terminal device 101 and the first financial institution terminal 102, as well as between the first financial institution terminal 102 and the second financial institution terminal 103, via a communication network. The communication mode adopted by the communication network may be classified as a wireless communication mode or a wired communication mode. For example, the wireless communication network may include a cellular mobile communication network (e.g., a fifth generation mobile communication (5G) network or a 6G network) or a short-range wireless communication network (e.g., a wireless fidelity (Wi-Fi) network).

[0046] In one possible application scenario, a first financial institution 102 receives a pending bill submitted by a terminal device 101, obtains first bill information by scanning a first graphical code in the pending bill using a scanning device, extracts second handwritten bill information from the pending bill, generates a second graphical code based on the first and second bill information, and sends the second graphical code along with a bill verification instruction to a second financial institution 103. The second financial institution 103 obtains third bill information by scanning the second graphical code using a scanning device, verifies the bill status and authenticity of the pending bill based on the third bill information and a database, and sends the bill verification result to the first financial institution 102. The first financial institution 102 performs corresponding operations on the pending bill based on the bill verification result and displays the bill processing result on 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: Receive a bill to be processed sent by a target terminal.

[0051] Specifically, a pending bill is issued by a second financial institution. A user submits the pending bill to a first financial institution via a target terminal. The user is a customer of the first financial institution, meaning the first financial institution has a business account with the user. The first financial institution receives the pending bill submitted by the user. To facilitate access to certain fixed bill information within the pending bill, a first graphical code can be placed at a corresponding location within the pending bill, and the fixed bill information within the pending bill can be embedded within the first graphical code. The location of the first graphical code within the pending bill can be customized based on actual needs, for example, in the upper left, upper right, lower left, or lower right corner of the pending bill. This allows the first financial institution to directly read the fixed bill information within the pending bill using a scanning device, eliminating the need for staff to manually enter the bill information. Herein, the fixed bill information within the pending bill may be referred to as first bill information. Optionally, the first bill information includes, but is not limited to, a bill identifier, payment account number, information about the second financial institution, and payment account name. Optionally, the first graphical code can be a barcode or a QR code, etc. This embodiment does not specifically limit the type of the first graphical 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 bill interface is pre-set based on the target terminal type, effectively adapting 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 branch server interface. Based on the type of the target terminal, the first financial institution can select a bill interface from the at least one bill interface that matches the target terminal type 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 by 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 by scanning a first graphic code.

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

[0057] S203, extracting second bill information of a handwriting type in the to-be-processed bill, and generating a second graphic code based on the first bill information and the second bill information.

[0058] Specifically, in addition to the first bill information, the to-be-processed bill also includes second bill information of a handwriting type. The second bill information is usually information manually filled in the to-be-processed bill by the payer, and involves information related to the payee, such as a payee account number, a payee name, an amount to be paid, and a currency type. Therefore, in order to obtain comprehensive bill information, the second bill information of the handwriting type in the to-be-processed bill can also be extracted by a certain technical means.

[0059] Further, after the first bill information and the second bill information are acquired, 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, so as to obtain the second graphic code. Alternatively, the second graphic code can be a bar code or a two-dimensional code, and the type of the second graphic code is not limited in the embodiment.

[0060] Further, the second graphic code can be carried in a bill verification instruction and sent to the second financial institution, so that the second financial institution verifies the bill state and authenticity of the to-be-processed bill based on the second graphic code.

[0061] S204, sending 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 state and authenticity of the to-be-processed bill, and the second graphic code is included in the bill verification instruction.

[0063] In the process of exchanging bill information between the first financial institution and the second financial institution, the graphic code is used to replace the bill information, so that the information contained in the graphic code is tamper-proof, the bill information can be prevented from being maliciously tampered with in the transmission process, and the security of bill exchange is improved.

[0064] In this 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 based on the parsed second graphical code. The bill status verification here mainly verifies whether the bill to be processed has been exchanged, and the authenticity verification mainly verifies the authenticity of the bill to be processed, that is, verifies whether the bill to be processed is a genuine bill or a counterfeit 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. 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. 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 failed the authenticity verification.

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

[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, the bill to be processed is exchanged; 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.

[0071] This method ensures that only authentic, valid and redeemable bills can be traded, preventing duplicate redemption of bills and improving the security of bill exchange. Bills that fail authenticity verification 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 exchange.

[0072] The bill processing method provided in the embodiment of the present application receives the bill to be processed, obtains first bill information obtained by a scanning device by scanning a first graphic code in the bill to be processed, and extracts second bill information of 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 a bill verification instruction and sends it to a 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 manual entry of bill information, improving bill processing efficiency; and transmitting the bill information through the graphic code improves the security of 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 from the bill to be processed may include:

[0074] S301: Obtain 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 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 with a handwritten font 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 type.

[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 from which the second bill information is to be extracted 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 labeling on the data set to obtain a labeling 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 labeling 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, thereby obtaining a trained text region detection model.

[0080] The labeling results of the above dataset can be regarded as the real handwritten text area of ​​the dataset. The predicted handwritten text area detection results are 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. 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 reaches a value 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 convolutional layer, a bidirectional long short-term memory (LSTM) layer, and a transcription layer. The text recognition model recognizes the text content in the handwritten text region, including: inputting the handwritten text region into the convolutional layer for feature extraction to obtain a feature sequence of the handwritten text region; 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; and inputting the character prediction sequence information into the transcription layer for integration to obtain 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 the 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-mentioned process of generating the second graphic code based on the first bill information and the second bill information may include: verifying the consistency of the second bill information based on the database of the first financial institution; when the verification 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 the second graphic code based on the encrypted bill information.

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

[0085] If the verification result indicates that the consistency of the second bill information fails, the bill to be processed is returned and the reason for the bill return is sent to the target terminal. If the verification result indicates that the consistency of the second bill information passes, 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 symmetric encryption algorithms, asymmetric encryption algorithms, and hash functions. 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. Replacing the bill information with a graphic code makes the information contained in the graphic code tamper-proof, preventing the bill information from being maliciously tampered with during transmission, 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, eliminating 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 further includes: recording the bill processing status of the bill to be processed during the processing 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 a pending bill sent by the target terminal, the bill processing status of the pending bill is recorded as "pending review". If the bill verification result indicates that the pending bill has not been exchanged and the authenticity verification has passed, before the pending bill is exchanged, the bill processing status of the pending bill is adjusted to "pending exchange". After the pending bill is exchanged, the bill processing status of the pending bill is adjusted to "exchange completed".

[0088] When the bill processing status is updated, the sending of bill status notification information is triggered. Specifically, based on the latest bill processing status of the pending bill, a user-friendly bill status notification message is generated in a specified format and sent to the target terminal via a preset method. For example, when the bill processing status changes from "under review" to "approved," the bill status notification message generated based on the latest bill processing status may read, "Your bill has successfully passed the review phase and is currently undergoing the next step of processing." Furthermore, the bill status notification message is sent to the target terminal via a preset method. Preset methods include, but are not limited to, email, text message, instant messaging tools, or push notifications within online banking.

[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 promptly know the latest processing status of the pending bills, thereby improving the user experience.

[0090] Figure 4 Another flow chart of the bill processing method provided in the embodiment of the present application. The method is applied to a second financial institution, such as 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. 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.

[0093] The first bill information mentioned above primarily refers to some fixed bill information on the bill to be processed. This fixed bill information can be embedded in a first graphical code and placed at a corresponding position on the bill to be processed, so that the first financial institution can obtain the first bill information by scanning the first graphical code. The second bill information refers to some handwritten bill information on the bill to be processed, involving information related to the payee, such as the payee's account number, payee name, amount to be paid, and currency type.

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

[0095] The second financial institution parses the bill verification instruction, obtains the second graphical code, controls / invokes a scanning device to scan the second graphical code, and receives the third bill information obtained by the scanning device from scanning the second graphical code. The third bill information can be understood as the integration of the first and second bill information, representing the complete bill information for the bill to be processed.

[0096] S403: 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.

[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 second financial institution can obtain the verification result of whether the pending bill has been redeemed. Furthermore, the second financial institution can also obtain the bill element information from the database based on the above-mentioned 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 second financial institution generates a result that the pending bill has passed the authenticity verification; if the comparison result shows that the third bill information and the bill element information are inconsistent, the second financial institution generates a result that the pending bill has failed the authenticity verification.

[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 pending bill based on the bill verification result. Optionally, if the bill verification result indicates that the pending bill has not been redeemed and the authenticity verification has passed, the second financial institution saves the third bill information in the database, and after the pending bill is successfully redeemed, 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 "unredeemed" to "redeemed", providing a data basis for bill status verification; if the bill verification result indicates that the pending bill has been redeemed and / or the authenticity verification has failed, the second financial institution invalidates / discards the third bill information.

[0100] In this embodiment, by receiving a bill verification instruction sent by a 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 bills, and eliminating the need for manual entry of bill information, thereby improving bill processing efficiency; 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 into 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 bill to be processed sent by a target terminal; wherein the bill to be processed is provided with a first graphic code;

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

[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 configured to send a bill verification instruction to the second financial institution based on the second financial institution information; wherein the bill verification instruction is configured 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 further configured to receive 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;

[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 configured 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 prompt the latest bill processing status of the bill to be processed.

[0113] Based on 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 that matches the device type of the target terminal.

[0114] Figure 6 This is another structural diagram of the bill processing device provided in the embodiment of the present application. The device is integrated into 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 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, wherein 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;

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

[0118] The sending module 604 is configured 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 bus connection is taken as an example.

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

[0121] Memory 71 may primarily include a program storage area and a data storage area. 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 generated during the bill processing process, etc. Furthermore, memory 71 may include high-speed random access memory and non-volatile memory, such as at least one disk storage device, flash memory device, or other non-volatile solid-state memory device. In some instances, memory 71 may further include memory remotely located relative to processor 70, and such remote memory may be connected to the device / terminal / server via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, 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 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.

[0125] The bill processing devices, electronic devices, computer-readable storage media, and computer program products provided in the above embodiments can execute the bill processing methods provided in any of the embodiments of this application, and possess the corresponding functional modules and beneficial effects of executing the methods. For technical details not fully described in the above embodiments, please refer to the bill processing methods provided in any of the embodiments of this application.

[0126] Through the above description of the implementation methods, those skilled in the art can clearly understand that the present application can be implemented with the help of software and necessary general-purpose 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, or the part that contributes to the prior art, can be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as a computer's 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 enabling 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 employed. 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 has been described in more detail through the above embodiments, the present application is not limited to the above embodiments and may include many other equivalent embodiments without departing from the scope of the present application. 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 first-tier financial institutions, including: Receiving a bill to be processed sent by a target terminal; wherein the bill to be processed 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 based on 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 bills to be processed according to the bill verification results.

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: Acquiring 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 includes: checking the consistency of the second bill information based on the database of the first financial institution; If the verification result indicates that the second bill information passes consistency, merging the first bill information and the second bill information to obtain merged bill information; The combined bill information is encrypted, and a second graphic code is generated based on the encrypted bill information.

4. The method according to claim 1, wherein The performing corresponding operations on the bill to be processed according to the bill verification result includes: If 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 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 of the to-be-processed bill sent by the target terminal includes: The to-be-processed bill sent by the target terminal is received through a bill interface that matches the device type of the target terminal.

7. A bill processing method, characterized in that: Applicable to second financial institutions, including: Receiving a bill verification instruction for a bill to be processed from a first financial institution; wherein the bill to be processed is provided with a first graphical code, and the bill verification instruction includes a second graphical code, wherein the second graphical code is obtained based on first bill information carried in the first graphical code and second bill information of handwritten type in the bill to be processed; Obtaining third bill information obtained by a scanning device by 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.

Images