An information processing method and system for equity write-off

Abstract

The application relates to the technical field of data information processing, and particularly discloses an information processing method and system for right and interest cancellation, which mainly comprises the following steps: receiving order information and user information of a user, wherein the order information comprises a payment and a settlement amount; obtaining the payment as a pre-consumption payment, wherein the pre-consumption payment is the payment of goods selected by the user but not paid in the order process; sending a query request to a database storing right and interest information based on the user information and returning a query result to obtain the current right and interest information of the user. In the application, the payment requiring an auditor to audit and the right and interest information based on the payment are extracted from the pre-cancellation payment, and the payment and the right and interest information are sent to the auditor as artificial pre-audit request data, so that the auditor can perform artificial pre-audit, the time and energy of the auditor are saved, and the cancellation efficiency is improved and the waiting time of the user is reduced.

Description

Technical Field

[0001] This application relates to the field of data information processing technology, and in particular to an information processing method and an information processing system for equity write-off. Background Technology

[0002] Rights verification is a mechanism established to protect users' legitimate rights and prevent fraud. In areas such as insurance claims, information rights verification can effectively prevent insurance fraud and false claims, protecting the legitimate rights and interests of insurance companies and consumers.

[0003] In some medical insurance programs, insured individuals can enjoy reimbursement for drug expenses, which requires verification of insurance benefits. The general process involves the insured first purchasing the medication out-of-pocket, then submitting a reimbursement application to the insurance company. The insurance company will verify the applicant's medical expenses, benefit information, and medical documentation to ensure the applicant meets the medical insurance's compensation conditions and limits, and finally pay the corresponding reimbursement amount to the insured.

[0004] However, during the implementation of the relevant technical solutions, at least the following technical problems were found: the price of the goods before verification is higher than the price of the goods after verification. Therefore, users need to prepare more funds to purchase the goods. Secondly, when users submit their reimbursement, they usually bring complete purchase information. The verification process requires manual screening of the corresponding funds and review of whether the funds can be verified, which results in long verification time and long waiting time for users. Summary of the Invention

[0005] This application provides an information processing method and system for rights and interests verification, which solves the problem that the verification process in the prior art requires manual screening of the corresponding funds, resulting in long verification time and long waiting time for users, thereby effectively improving the verification efficiency.

[0006] Firstly, this application provides an information processing method for rights write-off, which includes the following steps:

[0007] Receive user order information and user information, the order information including payment and settlement amount; obtain the payment as pre-consumption funds, which are the payment for goods selected by the user during the order process but not yet paid for; send a query request to the database storing rights and benefits information based on the user information and return the query results to obtain the user's current rights and benefits information;

[0008] The pre-consumption amount is compared with the current rights and interests information to generate a pre-reimbursement amount; the amount that needs to be reviewed by the auditor and the rights and interests information based on the amount are extracted from the pre-reimbursement amount and sent to the auditor as manual pre-review request data so that the auditor can conduct manual pre-review; the results of the manual pre-review are received.

[0009] When the order information is changed to the order information, the manual pre-approval request data and the manual pre-approval result are changed to the manual actual approval request data and the manual actual approval result, respectively. It is then determined whether the manual actual approval result of the payment in the order information is approved. If it is approved, the payment is cleared and the settlement amount is updated.

[0010] By extracting the funds requiring review and the related rights information from the pre-reconciliation funds and sending them as pre-reconciliation request data to the reviewers, the reviewers can conduct pre-reconciliation manually, thus avoiding wasting their time and energy on funds that do not require review. This effectively improves reconciliation efficiency and reduces users' waiting time.

[0011] Furthermore, user information includes: a unique identifier; and a query request sent to the database based on the unique identifier, which specifically includes at least one of the following: ID card number or user ID.

[0012] Furthermore, reminder notifications are sent to auditors when the pre-audit request data is sent and when the pre-audit request data is changed to actual audit request data.

[0013] Furthermore, after receiving the order information, the system iterates through each order amount and the corresponding rights information, and generates the review status for each rights information. The review status includes: approved, failed, and under review.

[0014] Furthermore, the settlement amount is updated once each actual audit result for a payment is obtained.

[0015] Furthermore, comparing pre-consumed funds with current rights information specifically includes: obtaining the redemption conditions for each piece of rights information one by one, and determining whether the pre-consumed funds meet the redemption conditions. The redemption conditions include automatic identification conditions and manual review conditions.

[0016] If the benefit information meets the automatic identification criteria and does not meet the manual review criteria, a pending cancellation status is established between the pre-consumption amount and the benefit information, and the amount is cancelled when the order information is changed to the order information; if the benefit information meets the automatic identification criteria and meets the manual review criteria, the benefit information and the amount matching the benefit information need to be reviewed by the reviewer.

[0017] If the pre-verification of the funds and the rights information based on those funds is successful, a pending cancellation status is established between the pre-consumption funds and the rights information.

[0018] Furthermore, establishing a pending write-off status specifically involves generating the calculation formula P for the equity information and the amount. In the formula, P, O, These represent the price of the goods after the payment is cleared, the price of the goods before the payment is cleared, and the total amount deducted for different rights and interests, respectively. n This represents the amount deducted for the nth benefit information.

[0019] Furthermore, determining whether the rights and interests information meets the conditions for manual review specifically involves: determining whether the rights and interests information has a preset manual review identifier.

[0020] Furthermore, the specific steps for processing the write-off of funds include: determining whether the funds and the equity information based on the funds are in a state of pending write-off; if not, establishing a write-off status and determining again whether the funds and the equity information based on the funds are in a state of pending write-off; if they are in a state of pending write-off, replacing the price P of the goods corresponding to the funds before write-off with the price O of the goods corresponding to the funds before write-off with the price P of the goods corresponding to the funds after write-off.

[0021] Secondly, this application provides an information processing system for equity write-off, which employs the information processing method for equity write-off as described in the first aspect, comprising:

[0022] The rights acquisition module is used to receive the user's order information and user information. The order information includes the amount and settlement amount; acquire the amount as pre-consumption funds, which are the amount of goods that the user has not yet paid for; send a query request to the database storing rights information based on the user information and return the query results to obtain the user's current rights information.

[0023] Rights and interests review module: It is used to compare the pre-consumption amount with the current rights and interests information to generate the pre-reimbursement amount; extract the amount that needs to be reviewed by the reviewer and the rights and interests information based on the amount from the pre-reimbursement amount as manual pre-review request data and send it to the reviewer so that the reviewer can conduct manual pre-review; receive the results of manual pre-review;

[0024] The rights and interests verification module is used to change the manual pre-approval request data and the result of manual pre-approval to the manual actual verification request data and the result of manual actual verification when the order information is changed to the order information. It determines whether the result of the manual actual verification of the payment in the order information is approved. If it is approved, the payment is verified and the settlement amount is updated.

[0025] The technical solution provided in this application has at least the following technical effects or advantages:

[0026] 1. By extracting the funds requiring review and the related rights information from the pre-reconciliation funds as manual pre-review request data and sending it to the reviewers, the problem of long reconciliation times and long user waiting times caused by manually screening the corresponding funds is effectively solved. This avoids reviewers wasting time and energy on funds that do not need to be reviewed, thus effectively improving reconciliation efficiency and reducing user waiting time.

[0027] 2. By pre-calculating the price P of the goods corresponding to the payment during the user's order placement process, the price P of the goods corresponding to the payment after verification is directly replaced with the price O of the goods corresponding to the payment before verification after the user establishes the order information. This reduces the time required to generate the settlement amount and improves the efficiency of verification.

[0028] 3. Because the funds and related rights information are extracted during the user's order placement process for manual pre-review by auditors, the results of manual review can be obtained more quickly after the order information is generated, which facilitates the rapid generation of manual review results and improves the efficiency of verification. Attached Figure Description

[0029] Figure 1 This is a flowchart of the information processing method used for rights write-off in this application;

[0030] Figure 2 This is a flowchart of the process for verifying and processing the rights and interests information of this application. Detailed Implementation

[0031] The existing information processing methods for rights and interests verification result in long verification times and long waiting times for users. This application provides an information processing method that can pre-verify goods during the user's order placement process, which can effectively improve verification efficiency and reduce user waiting time.

[0032] To better understand the above technical solutions, the following will provide a detailed explanation of the technical solutions in conjunction with the accompanying drawings and specific implementation methods.

[0033] Example 1

[0034] Please refer to Figures 1-2 This embodiment provides an information processing method for rights and interests write-off, which includes the following steps:

[0035] I. Acquisition of Rights

[0036] Receive user order information and user information. Order information includes payment and settlement amount. Obtain payment as pre-consumption funds, which are the payments for goods selected by the user during the order process but not yet paid for.

[0037] In this embodiment, when a user purchases medical products such as medicines, the system first obtains the user's user information and order information. Specifically, the user information includes a unique identifier, which includes at least one of the following: ID card number, user ID, etc. The order information is the information of the products purchased by the user, and the payment includes the name, number, and price of the medicines, etc. The settlement amount is the total settlement amount of all currently selected medicines.

[0038] Pre-consumption funds refer to amounts paid by users who have selected certain goods or services when placing an order but have not yet paid for them. These funds may need to be verified in subsequent processes to ensure that users actually enjoy the corresponding benefits. Therefore, during the order placement process, the system needs to extract and process these pre-consumption funds accordingly.

[0039] Based on the user information, a query request is sent to the database storing rights and interests information and the query results are returned to obtain the user's current rights and interests information.

[0040] During the order placement process, the settlement system can send a query request for user benefits information to the database based on the unique identifier in the user information. The system retrieves the user's current benefits information and returns the query results to the settlement system. The returned results may include the user's current coupon information, points information, etc. For example, in this embodiment, the benefits specifically refer to outpatient medical insurance, which can be used to offset the cost of medication. To ensure query efficiency and accuracy, the system can employ optimization measures such as indexing and caching. Simultaneously, it is necessary to ensure that the benefits information in the database is synchronized with the actual situation to avoid data inconsistencies.

[0041] II. Rights and Benefits Review

[0042] Pre-consumption funds are compared with current equity information to generate pre-redemption funds.

[0043] The comparison between pre-consumed funds and current rights information specifically includes: obtaining the redemption conditions for each piece of rights information one by one, and determining whether the pre-consumed funds meet the redemption conditions. The redemption conditions include automatic identification conditions and manual review conditions.

[0044] In the insurance rights write-off and settlement system, pre-consumed funds need to be written off subsequently. The system needs to retrieve the write-off conditions for each rights information item and determine whether the pre-consumed funds meet the write-off conditions to ensure that users actually enjoy the corresponding rights. To better manage the write-off conditions, the system can store the write-off conditions in a rights information database and query them during the write-off process. By retrieving the write-off conditions for each rights information item and determining whether the pre-consumed funds meet the write-off conditions, the system can better manage users' rights.

[0045] Automatic identification conditions can include specified medications, specific clinics or hospitals, and appointment times. Specific medications, appointment times, and hospitals can be set in the system. The system can automatically identify whether the current payment meets the set requirements for the specified medications, appointment times, and hospitals. This is used to determine if a particular benefit fully meets the automatic identification conditions for a given benefit. Determining whether benefit information meets the conditions for manual review specifically involves checking if the benefit information has a preset manual review identifier. If the current benefit has a manual review identifier, it meets the conditions for manual review and requires manual review.

[0046] Determining whether the pre-consumed amount meets the write-off criteria includes the following two situations:

[0047] (1) If the rights information meets the automatic identification conditions and there are no manual review conditions, a pending cancellation status is established between the pre-consumption amount and the rights information, and the amount is cancelled when the order information is changed to the order information.

[0048] Specifically, if the pre-consumption amount meets the conditions for automatic identification and requires no manual review, the system can establish a pending verification status for the pre-consumption amount and its associated benefits information, and process the verification of the amount when the order information is changed to the actual order information. Establishing the pending verification status involves generating a calculation formula P for the benefit information and the amount. In the formula, P, O, These represent the price of the goods after the payment is cleared, the price of the goods before the payment is cleared, and the total amount deducted for different rights and interests, respectively. n This represents the amount deducted for the nth benefit information.

[0049] The system can pre-calculate the price P of the corresponding item after verification. This calculated P is retained, but since the user hasn't confirmed the purchase of the item and hasn't verified it, P is a pre-calculated virtual price and doesn't change the current settlement amount. The system can display the pre-calculated price P on the settlement interface so the user understands the price of the item after verification. The system can also be configured with alert mechanisms, such as automatically sending a notification to relevant personnel when the actual settlement amount differs significantly from the pre-calculated price P.

[0050] After the user has selected all the required items, they will enter the payment settlement interface. The order information will then be changed to order information. After the payment is processed, the user can pay for the order to complete the purchase.

[0051] (2) If the rights information meets the conditions for automatic identification and manual review, the rights information and the funds matching the rights information need to be reviewed by the reviewer.

[0052] For unclear write-off conditions and some unusual situations, manual review can be used. The write-off conditions for some insurance benefits may be complex, such as requiring multiple conditions to be met for write-off, needing to verify multiple pieces of information to determine eligibility, or having conditions not entered into the system or requiring proof of purchase of prescription drugs. In these cases, manual review is necessary to determine whether the write-off conditions are met. Reviewers can review the benefit information and payment based on the actual situation, and the review results will be fed back to the system.

[0053] Extract the funds requiring review and the rights and interests information based on those funds from the pre-reimbursement funds and send them to the reviewers as manual pre-review request data so that the reviewers can conduct manual pre-review; receive the results of the manual pre-review.

[0054] If the pre-paid amount meets the automatic identification criteria but requires manual review, the system will extract the amount and related benefits information and send them as a pre-review request to the reviewer. Before a complete order is generated, all reviews are pre-reviews. Upon receiving the payment information, the reviewer will conduct a pre-review according to the review requirements and standards. The pre-review result can be either passed or failed. If the pre-review is passed, formal settlement can proceed after the user creates an order; if the pre-review fails, appropriate action must be taken, such as requesting more information from the customer or refusing to process the settlement.

[0055] If the pre-verification of the funds and the rights information based on those funds is successful, a pending cancellation status is established between the pre-consumption funds and the rights information.

[0056] In existing reimbursement schemes, some payments do not require review, such as those that have already been automatically reimbursed or those that do not require review. However, users often submit all payments to reviewers during the reimbursement process. Therefore, the reviewer needs to identify the payments requiring review from all payments, increasing the workload and reducing efficiency. The method described in this application extracts the payments requiring review and the related rights information from the pre-reimbursement payments as pre-reimbursement request data and sends it to the reviewer. Reviewers can then conduct manual pre-reimbursement, eliminating the need for manual screening of payments requiring reimbursement. This avoids wasting time and energy on payments that do not require review, effectively improving reimbursement efficiency and reducing user waiting time.

[0057] III. Rights and Benefits Write-off

[0058] When order information is changed to order details, the manual pre-approval request data and the result of the manual pre-approval are changed to the manual actual verification request data and the result of the manual actual verification, respectively. It is then determined whether the manual actual verification result for the payment in the order details is approved. If approved, the payment is cancelled and the settlement amount is updated.

[0059] Specifically, after a user completes their selection of all required items, they proceed to the payment settlement interface. At this point, the pre-approval request data and the result of the pre-approval change to the actual verification request data and the result of the actual verification, respectively. After the change to the actual verification result, the corresponding payment can be processed for cancellation. The system can then change the pending cancellation status of the payment to the cancelled status and add the cancelled amount to the settlement amount for subsequent settlement processing.

[0060] Compared to processing payment verification only after order information is changed to official order information, this method extracts funds and related benefits during the order placement process for manual pre-verification by auditors. This allows for faster access to the manual verification results after order information is generated, thus accelerating the verification process. Pre-verification also improves user satisfaction and service quality, as users can enjoy their benefits more quickly.

[0061] In this embodiment, reminder notifications are sent to the auditors when the pre-audit request data is sent and when the pre-audit request data is changed to actual audit request data. The reminder notifications can be voice or text messages, respectively informing the auditors that they have received the pre-audit request data and the actual audit request data. Upon receiving the pre-audit request data, the auditors can pre-audit the corresponding funds, allowing the system to quickly generate the results of the manual actual audit, effectively improving overall audit efficiency.

[0062] When settling accounts, funds that meet the automatic identification criteria but do not require manual review, and funds that meet the automatic identification criteria and have passed manual review, are reconciled separately, and all funds are reconciled one by one.

[0063] Among them, the items that meet the automatic identification conditions and do not require manual review are usually simple rights and benefits, such as coupons and discount coupons. The system will automatically identify these rights and benefits and process the corresponding items for cancellation. The items that meet the automatic identification conditions and pass the manual review are usually complex rights and benefits. The system will process the cancellation of the rights and benefits corresponding to these items based on the review results of the reviewers. The system will also process the cancellation of all items one by one to ensure the accuracy and completeness of the settlement amount.

[0064] The specific steps for processing the write-off of funds include: determining whether the fund and the equity information based on the fund are in a pending write-off state; if not, establishing a write-off state and determining again whether the fund and the equity information based on the fund are in a pending write-off state; if so, replacing the price O of the corresponding goods before write-off with the price P after write-off of the fund.

[0065] The more specific steps are as follows:

[0066] S1. Determine whether the payment and the related rights information are in a pending write-off status. If all rights information for the payment is already in a written-off status, no write-off process is required, and the subsequent steps can be skipped.

[0067] S2. If all rights and interests information for this amount are not in a pending write-off status, then establish a write-off status.

[0068] S3. Determine again whether the amount and the rights information based on the amount are in a pending write-off state. If all rights information of the amount is in a pending write-off state, replace the price P of the goods corresponding to the amount before write-off with the price O of the goods corresponding to the amount before write-off.

[0069] S4. Add the reimbursement amount to the settlement amount. The system will add the reimbursement amount to the settlement amount for settlement purposes.

[0070] Through these steps, the system can accurately and efficiently process payment verification, thereby ensuring the accuracy and completeness of the settlement amount. By pre-calculating the verified price P of the corresponding goods during the user's order placement process, and directly replacing the unverified price O of the corresponding goods with the verified price P after the user creates the order information, the system can significantly reduce the time required to calculate the settlement amount after the user generates order information, thus improving verification efficiency.

[0071] After receiving the order information, it iterates through each order amount and the rights and benefits information based on the amount, and generates the review status of each rights and benefits information. The review status includes: approved, failed, and under review.

[0072] Specifically, after receiving order information, the system will iterate through each order amount and the corresponding rights and benefits information, and generate a corresponding review status based on whether it is pending verification. If an amount corresponds to multiple rights and benefits information, each rights and benefits information will generate a review status. Customers can judge the progress of verification based on the review status. If it passes, it means that the rights and benefits information of the amount can be verified. If it fails, it means that the rights and benefits information of the amount cannot be verified and the user needs to supplement information. If it is under review, it means that the reviewers are still reviewing it.

[0073] The settlement amount is updated each time a payment is verified, allowing the system to achieve real-time reconciliation of payments.

[0074] It is important to note that, to ensure the accuracy of reconciliation, the system needs to consider all possible rights and reconciliation conditions when calculating the price in advance, to ensure that the generated settlement amount is accurate and complete. If the customer's review status is "under review" at the time of settlement, the unreconciled amount can be resent to the user after settlement to protect the customer's rights and reduce the time required for the customer to wait for payment.

[0075] After the system completes the review and verification of all order payments, it will calculate the final settlement amount based on the verified amount and settlement rules. After the user pays the settlement amount, the system will update the corresponding data in the database storing user rights information according to the verification conditions and user rights information, achieving real-time updates of user rights information.

[0076] Example 2

[0077] This application provides an information processing system for rights verification, which adopts the information processing method for rights verification as described in Embodiment 1, and includes a rights acquisition module, a rights review module, and a rights verification module.

[0078] The rights acquisition module is used to receive the user's order information and user information. The order information includes the amount and settlement amount; acquire the amount as pre-consumption funds, which are the amount of goods that the user has not yet paid for; send a query request to the database storing rights information based on the user information and return the query results to obtain the user's current rights information;

[0079] The rights and interests review module is used to compare the pre-consumption amount with the current rights and interests information to generate the pre-reimbursement amount; extract the amount that needs to be reviewed by the reviewer and the rights and interests information based on the amount from the pre-reimbursement amount as manual pre-review request data and send it to the reviewer so that the reviewer can conduct manual pre-review; and receive the results of the manual pre-review.

[0080] The rights and interests verification module is used to change the manual pre-approval request data and the result of manual pre-approval to the manual actual verification request data and the result of manual actual verification when the order information is changed to the order information. It determines whether the result of the manual actual verification of the payment in the order information is approved. If it is approved, the payment is verified and the settlement amount is updated.

[0081] The information processing system for rights and interests write-off in this embodiment has the advantages of the information processing method for rights and interests write-off in Embodiment 1, and the system in this embodiment can automate the information processing method for rights and interests write-off.

[0082] Those skilled in the art will understand that these computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable apparatus for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the functions specified in one or more boxes. Although preferred embodiments of the invention have been described, those skilled in the art, upon learning the basic inventive concept, can make other changes and modifications to these embodiments. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments as well as all changes and modifications falling within the scope of the invention.

[0083] Obviously, those skilled in the art can make various modifications and variations to this invention without departing from its spirit and scope. Therefore, if these modifications and variations fall within the scope of the claims of this invention and their equivalents, this invention also intends to include these modifications and variations.

[0084] The above description is merely a preferred embodiment of the present application, but the scope of protection of the present application is not limited thereto. Any equivalent substitutions or modifications made by those skilled in the art within the scope of the technology disclosed in the present application, based on the technical solution and concept of the present application, should be covered within the scope of protection of the present application.

Claims

1. An information processing method for rights and interests write-off, characterized in that, It includes the following steps: Receive user order information and user information. Order information includes payment and settlement amount. The funds are collected as pre-consumption funds, which are the funds for goods selected by the user during the order process but not yet paid for; Based on the user information, a query request is sent to the database storing rights and interests information and the query results are returned to obtain the user's current rights and interests information; The pre-consumption amount is compared with the current rights and interests information to generate the pre-redemption amount; Extract the funds that need to be reviewed by the auditors and the rights and interests information based on those funds from the pre-reimbursement funds and send them to the auditors as manual pre-review request data so that the auditors can conduct manual pre-review; Receive the results of manual pre-review; When the order information is changed to the order information, the manual pre-approval request data and the manual pre-approval result are changed to the manual actual approval request data and the manual actual approval result, respectively. It is then determined whether the manual actual approval result of the payment in the order information is approved. If it is approved, the payment is cleared and the settlement amount is updated. The comparison between pre-consumed funds and current rights information specifically includes: obtaining the redemption conditions for each piece of rights information one by one, and determining whether the pre-consumed funds meet the redemption conditions. The redemption conditions include automatic identification conditions and manual review conditions. If the benefit information meets the automatic identification criteria and does not meet the manual review criteria, a pending cancellation status is established between the pre-consumption amount and the benefit information, and the amount is cancelled when the order information is changed to the order information; if the benefit information meets the automatic identification criteria and meets the manual review criteria, the benefit information and the amount matching the benefit information need to be reviewed by the reviewer. If the pre-verification of the funds and the rights information based on the funds is successful, a pending cancellation status is established between the pre-consumption funds and the rights information. Establishing a pending write-off status involves generating the equity information and the calculation formula P for the payment. In the formula, P, O, These represent the price of the goods after the payment is credited, the price of the goods before the payment is credited, and the total amount deducted for different rights and interests, respectively. This represents the amount deducted for the nth benefit information; The specific process for managing funds includes: determining whether the fund and the rights information based on the fund are in a pending write-off state; if not, establishing a write-off state and determining again whether the fund and the rights information based on the fund are in a pending write-off state; if so, replacing the price O of the corresponding goods before write-off with the price P after write-off of the goods corresponding to the fund.

2. The information processing method for rights write-off as described in claim 1, characterized in that, User information includes: a unique identifier; a query request is sent to the database based on the unique identifier, which specifically includes at least one of the following: ID card number, user ID.

3. The information processing method for rights write-off as described in claim 1, characterized in that, Reminder notifications will be sent to the auditors when the pre-audit request data is sent and when the pre-audit request data is changed to actual audit request data.

4. The information processing method for rights write-off as described in claim 1, characterized in that, After receiving the order information, it iterates through each order amount and the rights and benefits information based on the amount, and generates the review status of each rights and benefits information. The review status includes: approved, failed, and under review.

5. The information processing method for rights and interests write-off as described in claim 1, characterized in that, The settlement amount is updated once a verification result for each payment is obtained.

6. The information processing method for rights write-off as described in claim 1, characterized in that, Specifically, determining whether the rights and interests information meets the conditions for manual review involves determining whether the rights and interests information has a preset manual review identifier.

7. An information processing system for equity write-off, which employs the information processing method for equity write-off as described in claims 1-6, characterized in that, It includes: Rights Acquisition Module: It is used to receive users' order information and user information. The order information includes payment and settlement amount. The funds are obtained as pre-consumption funds, which are the funds for goods that the user has not yet paid for; a query request is sent to the database storing rights and interests information based on the user information and the query results are returned to obtain the user's current rights and interests information; Rights and interests review module: It is used to compare the pre-consumption amount with the current rights and interests information to generate the pre-reimbursement amount; it extracts the amount that needs to be reviewed by the reviewer and the rights and interests information based on the amount from the pre-reimbursement amount as manual pre-review request data and sends it to the reviewer so that the reviewer can conduct manual pre-review. Receive the results of manual pre-review; The rights and interests verification module is used to change the manual pre-approval request data and the result of manual pre-approval to the manual actual verification request data and the result of manual actual verification when the order information is changed to the order information. It determines whether the result of the manual actual verification of the payment in the order information is approved. If it is approved, the payment is verified and the settlement amount is updated.

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