Payment information processing method and device, storage medium and electronic equipment

Abstract

The invention discloses a payment information processing method and device, a storage medium and electronic equipment, and relates to the technical field of finance. The method comprises the steps that when a target terminal of a target department receives payment information, whether abnormal information exists in the payment information or not is detected according to a target rule corresponding to the target department; when it is detected that abnormal information exists in the payment information and the target parameter is started, if the payment state of the payment information is a target state, freezing operation is executed on the payment information through the target terminal; and after freezing operation is executed on the payment information, if it is detected that abnormal information is repaired, unfreezing operation is executed on the payment information through the target terminal, and the unfrozen payment information is transmitted to terminal equipment of other departments. According to the invention, the technical problems of poor business processing flexibility and low efficiency caused by selection of payment termination or returning to an original business department when abnormal payment information is encountered when a payment settlement system processes a complex business scene in the prior art are solved.

Description

Technical Field

[0001] The present application relates to the field of financial technologies, and in particular, to a method, an apparatus, a storage medium, and an electronic device for processing payment information. Background Art

[0002] In the financial management of modern enterprises, the payment and settlement system is a key bridge connecting business activities and capital flows. With the expansion of enterprise scale and the complexity of business, the payment and settlement system faces more and more challenges, especially when dealing with abnormal payment information. Traditional payment and settlement systems often focus on the standardization of transactions and the fixation of processes in design. This design shows obvious limitations when facing complex business scenarios such as fluctuations in supplier credit, contract disputes, and insufficient account balances. When the system detects abnormal payment information, the common response mechanisms are limited to "terminating the payment" or "returning to the original business department". Although this binary choice can prevent financial risks in the first place, it also brings problems such as poor flexibility and low efficiency in business processing.

[0003] Specifically, "terminating the payment" means that the entire transaction process is aborted, and the business department needs to resubmit a payment application, which not only increases the workload of the business department but also may cause payment delays and affect the relationship between the enterprise and the supplier. While "returning to the original business department" retains the transaction record, it also requires the business department to re-review and explain the payment background. This repetitiveness and inefficiency are particularly prominent in large enterprises involving multiple departments, not only wasting valuable human resources but also exacerbating the difficulty of cross-departmental communication due to poor information transmission and reducing the overall operation efficiency.

[0004] In view of the above problems, no effective solution has been proposed yet. Summary of the Invention

[0005] The present application provides a method, an apparatus, a storage medium, and an electronic device for processing payment information, so as to at least solve the technical problems of poor flexibility and low efficiency in business processing caused by the lack of a flexible freezing and thawing mechanism in the existing payment and settlement system when dealing with complex business scenarios and choosing to terminate the payment or return to the original business department when encountering abnormal payment information.

[0006] According to one aspect of the present application, a method for processing payment information is provided, including: when the target terminal of the target department receives payment information, detecting whether there is abnormal information in the payment information according to the target rule corresponding to the target department, where the target rule corresponding to the target department is a rule set by the target department for payment review and used to identify abnormal information associated with the responsibilities of the target department; when it is detected that there is abnormal information in the payment information and the target parameter is enabled, determining whether the payment status of the payment information is the target status, where the target status is used to represent that the transaction corresponding to the payment information has not been completed or the payment has been returned, and the target parameter is used to control whether the target terminal of the target department can perform freezing and thawing operations on the payment information; if the payment status of the payment information is the target status, performing a freezing operation on the payment information through the target terminal; after performing the freezing operation on the payment information, if it is detected that the abnormal information has been repaired, performing a thawing operation on the payment information through the target terminal and transmitting the thawed payment information to the terminal device of other departments, where the detection rules set by the target department and other departments for payment review are different.

[0007] Optionally, the method further includes: when there is abnormal information in the payment information and the payment information is decomposed into N sub-payment information for payment, determining whether to perform a freezing operation on each sub-payment information according to the payment status of each sub-payment information in the payment information, where N is an integer greater than 1.

[0008] Optionally, when there is abnormal information in the payment information and the payment information is decomposed into N sub-payment information for payment, determining whether to perform a freezing operation on each sub-payment information according to the payment status of each sub-payment information in the payment information includes: when the payment status of the i-th sub-payment information in the payment information is payment success, prohibiting performing a freezing operation on the i-th sub-payment information, where i is an integer greater than or equal to 1 and less than or equal to N; when the payment status of the i-th sub-payment information in the payment information is in payment, prohibiting performing a freezing operation on the i-th sub-payment information; when the payment status of the i-th sub-payment information in the payment information is incomplete payment or payment return, performing a freezing operation on the i-th sub-payment information.

[0009] Optionally, after detecting that there is abnormal information in the payment information and the target parameter is enabled and determining whether the payment status of the payment information is the target status, the method further includes: when it is detected that the payment status of the payment information is a status other than the target status, prohibiting performing a freezing operation on the payment information through the target terminal of the target department.

[0010] Optionally, detect whether there is abnormal information in the payment information according to the target rules corresponding to the target department, including: obtaining a target model, where the target model is a model trained based on historical transaction data and detection rules set by each department and capable of identifying whether there is abnormal information in the payment information; determining whether there is abnormal information in the payment information according to the target model and the target rules corresponding to the target department.

[0011] Optionally, the target model is obtained through the following steps: collecting historical transaction information, where the historical transaction information at least includes historical payment information, supplier information corresponding to the historical payment information, contract clause information, financial account balance information, and detection rules set by each department; extracting and marking the corresponding historical abnormal information in the historical payment information; iteratively training an initial model according to the historical transaction information and the historical abnormal information to obtain the target model.

[0012] Optionally, the method further includes: storing the operation type performed by the target terminal of the target department on the payment information, the reason for performing the freeze operation or thaw operation, the operation time, and the operation result.

[0013] According to another aspect of the present application, there is also provided a processing device for payment information, including: a detection unit, when the target terminal of the target department receives the payment information, detecting whether there is abnormal information in the payment information according to the target rules corresponding to the target department, where the target rules corresponding to the target department are rules set by the target department for payment review and used to identify abnormal information associated with the responsibilities of the target department; a judgment unit, when it is detected that there is abnormal information in the payment information and the target parameter is enabled, judging whether the payment status of the payment information is the target status, where the target status is used to represent that the transaction corresponding to the payment information has not been fully paid or the payment has been returned, and the target parameter is used to control whether the target terminal of the target department can perform freeze operations and thaw operations on the payment information; a first processing unit, if the payment status of the payment information is the target status, performing a freeze operation on the payment information through the target terminal; a second processing unit, after performing the freeze operation on the payment information, if it is detected that the abnormal information has been repaired, performing a thaw operation on the payment information through the target terminal and transmitting the thawed payment information to the terminal device of other departments, where the detection rules set by the target department and other departments for payment review are different.

[0014] According to another aspect of the present application, there is also provided a computer-readable storage medium, in which a computer program is stored. When the computer program runs, the device where the computer-readable storage medium is located executes the above-mentioned processing method for payment information.

[0015] According to another aspect of the present application, an electronic device is further provided, including one or more processors and a memory. The memory is used to store one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors are caused to execute the above-mentioned payment information processing method.

[0016] In the present application, when the target terminal of the target department receives the payment information, first, it detects whether there is abnormal information in the payment information according to the target rule corresponding to the target department. The target rule corresponding to the target department is a rule set by the target department for payment review and used to identify abnormal information associated with the responsibilities of this department. When it is detected that there is abnormal information in the payment information and the target parameter is enabled, it is determined whether the payment status of the payment information is the target status. The target status is used to indicate that the transaction corresponding to the payment information has not been completed or the payment has been returned. The target parameter is used to control whether the target terminal of the target department can perform freeze operation and thaw operation on the payment information. If the payment status of the payment information is the target status, the target terminal performs a freeze operation on the payment information. Then, after performing the freeze operation on the payment information, if it is detected that the abnormal information has been repaired, the target terminal performs a thaw operation on the payment information and transmits the thawed payment information to the terminal device of other departments. The detection rules set by the target department and other departments for payment review are different. That is, by means of intelligent analysis and automated processing of freeze and thaw operations, the purpose of intelligently identifying and responding to abnormal information in the payment process and avoiding unnecessary process restart and information duplicate review is achieved. Thus, the technical effect of improving the flexibility and efficiency of the payment settlement system in processing complex business scenarios is realized. Furthermore, the technical problem in the prior art that when the payment settlement system processes complex business scenarios, due to the lack of a flexible freeze-thaw mechanism, when encountering abnormal payment information, it chooses to terminate the payment or return to the original business department, resulting in poor business processing flexibility and low efficiency, is solved. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation to the present application. In the drawings:

[0018] Figure 1 is a flowchart of an optional payment information processing method according to an embodiment of the present application;

[0019] Figure 2 is a schematic diagram of an optional payment information processing device according to an embodiment of the present application. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0020] To enable those skilled in the art to better understand the solution of this application, the technical solutions in the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of this application. Obviously, the described embodiments are only a part of the embodiments of this application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this application.

[0021] It should be noted that the terms "first", "second", etc. in the description and claims of this application and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily need to be used to describe a specific order or sequence. It should be understood that such data can be interchanged under appropriate circumstances so that the embodiments of this application described here can be implemented in an order other than those illustrated or described here. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product, or device that includes a series of steps or units does not necessarily need to be limited to those steps or units clearly listed, but may include other steps or units not clearly listed or inherent to these processes, methods, products, or devices.

[0022] It should be noted that the information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) collected in this application are information and data authorized by the user or fully authorized by all parties. Moreover, the processing of relevant data, such as collection, storage, use, processing, transmission, provision, disclosure, and application, all complies with relevant laws, regulations, and standards, takes necessary confidentiality measures, does not violate public order and good customs, and provides corresponding operation entrances for users to choose to authorize or refuse. For example, an interface is set between this system and relevant users or institutions to provide corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0023] According to an embodiment of this application, a method embodiment of a method for processing payment information is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. And although the logical order is shown in the flowchart, in some cases, the steps shown or described here can be executed in a different order than here.

[0024] It should be noted that an intelligent processing system can be used as the execution subject of the method for processing payment information in the embodiments of this application. It can be understood that the method for processing payment information provided in the embodiments of this application can also be executed by other systems or devices as the execution subject, and the embodiments of this application do not make specific limitations in this regard.

[0025] Figure 1 is a flowchart of an optional method for processing payment information according to an embodiment of the present application. As Figure 1 shown, the method includes the following steps:

[0026] Step S101, when the target terminal in the target department receives the payment information, detect whether there is abnormal information in the payment information according to the target rule corresponding to the target department.

[0027] In step S101, the target rule corresponding to the target department is a rule set by the target department for payment review and used to identify abnormal information associated with the responsibilities of the target department.

[0028] Optionally, the target department may be a financial audit department, responsible for key responsibilities such as financial payment approval, fund management, and risk assessment; the target terminal refers to the interface of the payment settlement management system used by financial personnel for processing, approving, and monitoring payment transactions.

[0029] Optionally, the target rule is a specific rule set by the target department to identify payment anomalies, including but not limited to supplier credit assessment, contract review status, account balance check, etc.

[0030] Optionally, the abnormal information refers to any information related to payment that does not conform to financial norms, has risks or doubts, such as a decline in supplier credit, insufficient account balance, contract disputes, or delayed payment.

[0031] Optionally, through the above steps, it can be ensured that when payment information enters the approval process of the financial department, potential payment anomalies can be automatically identified based on preset rules, and measures can be taken in a timely manner to avoid incorrect payments and fund risks.

[0032] Step S102, when it is detected that there is abnormal information in the payment information and the target parameter is enabled, determine whether the payment status of the payment information is the target status.

[0033] In step S102, the target status is used to represent that the transaction corresponding to the payment information has not been completed or the payment has been returned, and the target parameter is used to control whether the target terminal of the target department can perform freeze and thaw operations on the payment information.

[0034] Optionally, the target status is used to describe that the transaction corresponding to the payment information is in the state of "uncompleted payment" or "payment returned", that is, the transaction has not been finally completed or has been revoked for some reason.

[0035] Optionally, ensure that the freezing operation can only be taken when the payment transaction is in an operable state (uncompleted payment or payment refund) and the system has the freezing and thawing function, to avoid operating on completed or irreversible payment transactions, and at the same time ensure the legality and reasonableness of the operation.

[0036] Step S103, if the payment status of the payment information is the target status, perform a freezing operation on the payment information through the target terminal.

[0037] Optionally, when payment anomalies are identified and the transaction is in an operable state, the intelligent processing system can immediately freeze the payment record, suspend the payment process, prevent potential incorrect payments, and at the same time preserve the integrity of the transaction record for subsequent problem-solving and audit tracking.

[0038] Step S104, after performing a freezing operation on the payment information, if it is detected that the abnormal information has been repaired, perform a thawing operation on the payment information through the target terminal, and transmit the thawed payment information to the terminal devices of other departments.

[0039] In step S104, the detection rules set by the target department and other departments for payment review are different.

[0040] Optionally, the terminal devices of other departments refer to the terminal devices used by other business departments participating in the payment review process except for the finance department, such as procurement, legal affairs, operation, etc.

[0041] Optionally, the detection rules set by different departments based on their respective responsibilities are different. The finance department focuses on fund risks and compliance, while other departments may focus on contract details, procurement requirements, operation status, etc.

[0042] Optionally, once the abnormal problem is solved, the intelligent processing system can perform a thawing operation to make the payment information become processable again, and notify the thawed payment information to other relevant departments for the next approval or notification. This not only ensures the coherence of the payment process, but also reflects the importance of multi-department collaboration and information sharing, and improves the efficiency of overall payment review and fund management.

[0043] As can be seen from the content of steps S101 to S104, in this application, when the target terminal in the target department receives the payment information, it first detects whether there is any abnormal information in the payment information according to the target rule corresponding to the target department. The target rule corresponding to the target department is a rule set by the target department for payment review and used to identify abnormal information associated with the responsibilities of this department. When it is detected that there is abnormal information in the payment information and the target parameter is enabled, it is determined whether the payment status of the payment information is the target status. The target status is used to indicate that the transaction corresponding to the payment information has not been completed or the payment has been returned. The target parameter is used to control whether the target terminal in the target department can perform freeze and thaw operations on the payment information. If the payment status of the payment information is the target status, the target terminal performs a freeze operation on the payment information. Then, after performing the freeze operation on the payment information, if it is detected that the abnormal information has been repaired, the target terminal performs a thaw operation on the payment information and transmits the thawed payment information to the terminal device of other departments. The detection rules set by the target department and other departments for payment review are different. That is, by means of intelligent analysis and automated processing of freeze and thaw operations, the purpose of intelligently identifying and responding to abnormal information in the payment process and avoiding unnecessary process restart and information duplicate review is achieved. Thus, the technical effect of improving the flexibility and efficiency of the payment settlement system in processing complex business scenarios is realized, and further, the technical problem in the prior art that when the payment settlement system processes complex business scenarios, due to the lack of a flexible freeze and thaw mechanism, when encountering abnormal payment information, it chooses to terminate the payment or return it to the original business department, resulting in poor flexibility and low efficiency in business processing is solved.

[0044] In an alternative embodiment, when there is abnormal information in the payment information and the payment information is decomposed into N sub-payment information for payment, the intelligent processing system determines whether to perform a freeze operation on each sub-payment information according to the payment status of each sub-payment information in the payment information, where N is an integer greater than 1.

[0045] Optionally, when a payment information enters the system, if this payment information needs to be split for payment, the intelligent processing system first decomposes this payment information into N sub-payment information according to a preset strategy. This decomposition can be based on multiple dimensions, such as payment object, payment amount, payment time, or payment method. For example, a payment information with a total amount of 100,000 yuan is decomposed into 5 sub-payment information of 20,000 yuan each and paid to different suppliers respectively.

[0046] Optionally, when the payment information is used to make a payment with N sub - payment information, the intelligent processing system will detect the payment status of each sub - payment information one by one, as well as whether there is any abnormal information. Among them, the payment status may be "payment successful", "payment in progress", "uncompleted payment" or "payment refunded". For sub - payment information with a payment status of "uncompleted payment" or "payment refunded", if abnormal information is detected and the target parameter is enabled, the intelligent processing system will automatically execute a freezing operation to prevent the payment process of this sub - payment information until the abnormal situation is resolved. At the same time, the system records the time of the freezing operation, the operation type (automatic or manual), the reason for freezing, and other key details of the payment information.

[0047] Optionally, for sub - payment information with a payment status of "payment successful" or "payment in progress", the system will not execute a freezing operation to avoid interfering with completed or ongoing payment transactions. When the abnormal information is resolved, such as the supplier's reputation being restored, the intelligent processing system can automatically unfreeze the relevant sub - payment information. After the unfreezing operation, the sub - payment information can resume the payment process without manual intervention, reducing operation delays and communication costs.

[0048] As can be seen from the above, by analyzing the payment status of each sub - payment information in the payment information for split payments, the system can more accurately locate and process problem transactions, avoid unnecessary overall freezing, and thus reduce the impact on the normal payment process. In addition, the automatic freezing and unfreezing mechanism reduces manual intervention, improves processing efficiency, and at the same time enhances the transparency and auditability of payment audits through detailed records and operation trajectories, which helps to improve supplier relationship management in the long term, reduce communication costs, and promote the collaborative efficiency within the organization.

[0049] In an optional embodiment, when the payment status of the i - th sub - payment information in the payment information is "payment successful", the intelligent processing system prohibits the execution of a freezing operation on the i - th sub - payment information, where i is an integer greater than or equal to 1 and less than or equal to N. When the payment status of the i - th sub - payment information in the payment information is "payment in progress", the execution of a freezing operation on the i - th sub - payment information is prohibited. When the payment status of the i - th sub - payment information in the payment information is "uncompleted payment" or "payment refunded", a freezing operation is executed on the i - th sub - payment information.

[0050] Optionally, when the payment information is decomposed into N sub - payment information, the system will check the payment status of each sub - payment information one by one. For the i - th sub - payment information, the system determines whether a freezing operation can be executed based on its payment status:

[0051] 1) If the payment status of the i-th sub-payment information is "Payment Successful", the intelligent processing system will prohibit the execution of the freezing operation on this sub-payment information and by default, no processing is required. This is because a successful payment means that the transaction has been completed, and freezing would be meaningless and may lead to compliance issues.

[0052] 2) If the payment status of the i-th sub-payment information is "Payment In Progress", that is, the transaction is in progress but not yet completed, the system will also prohibit the execution of the freezing operation. This is because the "Payment In Progress" status is usually temporary, and freezing may interfere with the normal payment process, unless there are clear anomalies that need to be addressed, and the detection result is given: the current record is in the process of expenditure and freezing is not allowed.

[0053] 3) For sub-payment information with a payment status of "Payment Not Completed" or "Payment Returned", the intelligent processing system allows the execution of the freezing operation. In this case, freezing can effectively prevent incorrect payments, giving financial personnel time to resolve issues, while avoiding interruptions or deletions of payment records and maintaining data integrity and traceability.

[0054] Optionally, after the intelligent processing system determines that the freezing operation can be performed on specific sub-payment information, in the target terminal (usually the payment settlement system interface used by financial personnel), the financial personnel can manually select to freeze these sub-payment information. The system will record the details of the freezing operation, including the operator, operation time, freezing reason, etc., for subsequent auditing or problem tracking.

[0055] As can be seen from the above, the intelligent processing system can manage sub-payment information more intelligently and flexibly, avoiding unnecessary freezing operations in the "Payment Successful" and "Payment In Progress" states, thus ensuring that the normal payment process will not be interrupted improperly. At the same time, for sub-payment information in the "Payment Not Completed" or "Payment Returned" state, the system provides a freezing function to enable timely control when payment anomalies are detected, avoiding the risks that may be brought by blind payments. This mechanism maintains the integrity and traceability of transaction data while improving the system's adaptability to complex payment scenarios, reducing the operation error rate, enhancing the efficiency and accuracy of payment audits. In addition, by reducing unnecessary freezing operations, it further improves the user experience, reduces cross-departmental communication costs, and promotes the collaborative efficiency of the entire organization.

[0056] In an optional embodiment, when the intelligent processing system detects that the payment status of the payment information is a status other than the target status, it prohibits the execution of the freezing operation on the payment information through the target terminal of the target department.

[0057] Optionally, the status other than the target status: refers to any payment status other than the "Payment Not Completed" and "Payment Returned" statuses. For example, "Payment Successful", "Payment In Progress", etc.

[0058] Optionally, the intelligent processing system monitors the status of payment information in real time. Once the payment status monitoring function detects that the status of the payment information does not belong to the "target status", the intelligent processing system will automatically prevent the target terminal from performing the freezing operation. For example, if the payment status of the payment information is "payment successful", the system will not allow the target terminal to perform the freezing operation to avoid illegal interference with the completed transaction.

[0059] Optionally, when the target parameter is enabled, on the page of the target terminal, when the query condition "freezing status" = "not frozen", a freezing button will be added at the bottom of the page for relevant financial personnel to operate. And if there are multiple payment statuses in the detailed record: in payment, payment successful, pending payment, etc., the intelligent processing system can only perform the freezing operation on the detailed record with the freezing status = "not frozen", and the frozen detailed data is default read-only.

[0060] Optionally, when selecting payment records on the page of the target terminal and preparing to perform the freezing operation, if any of these records contain data that has been recognized by the system as merged payments, the system will not allow the freezing operation to be performed and will issue a warning prompt to the user, stating that "merged records are not allowed to be frozen". Merged payments usually mean that multiple payment items are bundled together and processed as a whole. For example, payments to multiple suppliers may be merged into one batch for unified payment. When processing merged payments, freezing a single payment record may affect the status of the entire merged batch and the progress of other related payments. Therefore, to ensure the integrity of the payment process and prevent the overall payment arrangement from being affected by freezing a single record, the system sets this restriction, that is, users are not allowed to freeze any payment information in the merged payment record.

[0061] Optionally, when the target parameter is enabled, on the page of the target terminal, when the query condition for the freezing status is selected as: "frozen", a thawing button will be added at the bottom of the page for relevant financial personnel to operate. When thawing, the system will give a confirmation prompt asking whether to confirm the execution of the freezing operation. If confirmed, it will be executed; if cancelled, the current freezing operation will not be performed. And if there are multiple payment statuses in the detailed record: in payment, payment successful, pending payment, the intelligent processing system can only perform the thawing operation on the detailed record with the freezing status of "frozen", and the remaining detailed data is default read-only.

[0062] As can be seen from the above, the intelligent processing system automatically restricts the execution of freeze operations on payment information other than the "target state" by real-time monitoring and judging the status of payment information, avoiding unnecessary interference with completed or in-progress payments. This mechanism not only reduces the cross-departmental communication cost and potential legal risks, but also ensures the smoothness and efficiency of the payment process, and improves the control ability of financial personnel over payment review.

[0063] In an alternative embodiment, the intelligent processing system first obtains a target model, where the target model is a model trained based on historical transaction data and detection rules set by each department, and can identify whether there is abnormal information in the payment information. Then, it determines whether there is abnormal information in the payment information according to the target model and the target rules corresponding to the target department.

[0064] Optionally, the target model: This is a prediction model based on machine learning or big data analysis technology. By analyzing a large amount of historical transaction data and detection rules set by each department, it has learned and mastered the ability to identify abnormal information in payment information.

[0065] Optionally, when the intelligent processing system starts up or is updated regularly, it obtains the target model from a server or database. The acquisition of the target model is the basis for subsequent identification of abnormal information in payment information, ensuring the accuracy and timeliness of intelligent identification.

[0066] Optionally, when the intelligent processing system receives payment information, the system first preprocesses the information, including data cleaning, format conversion, etc., to ensure that the payment information can be accurately identified and analyzed by the target model. Among them, the preprocessing step is crucial for improving the accuracy and efficiency of anomaly detection. The preprocessed payment information is input into the target model, and the model automatically analyzes various indicators in the payment information according to the learning results during its training process to determine whether there is abnormal information. This model-based intelligent detection can timely discover potential payment risks, such as changes in supplier reputation, insufficient account balance, etc., providing a decision-making basis for subsequent freeze operations. Then, the system further determines whether there is abnormal information in the payment information according to the output result of the target model and the target rules corresponding to the target department. If the payment information is marked as abnormal by the target model, the system will check whether these anomalies meet the freeze conditions of the target department. For example, the system may verify whether the anomaly is related to a decline in the supplier's reputation and whether this decline is sufficient to trigger a freeze operation. If the payment information is determined to have abnormal information and meets the freeze conditions of the target department, the system will immediately display the details of the abnormal information on the target terminal, including the type of anomaly, the cause of the anomaly, etc. At the same time, the target terminal will be enabled to execute the freeze operation to prevent the further execution of the transaction until the problem is solved.

[0067] As can be seen from the above, the intelligent processing system introduces an intelligent anomaly detection function based on big data and machine learning into the payment and settlement process. The target model can automatically identify and mark abnormal situations in payment information based on historical transaction data and detection rules of each department, improving the efficiency and accuracy of payment review. The matching and decision-making mechanism of the target rules further ensures the rationality and pertinence of anomaly detection, avoids unnecessary freezing operations, reduces cross-departmental communication costs and potential business interruption risks. This mechanism not only improves the compliance and security of the payment process, but also enhances the system's adaptability to complex payment scenarios through intelligent anomaly handling, improves the overall payment review efficiency, and reduces the operation error rate.

[0068] In an optional embodiment, the intelligent processing system obtains the target model through the following steps: First, collect historical transaction information, where the historical transaction information at least includes historical payment information, supplier information corresponding to the historical payment information, contract clause information, financial account balance information, and detection rules set by each department. Then, extract and mark the corresponding historical abnormal information in the historical payment information. Finally, perform iterative training on the initial model according to the historical transaction information and historical abnormal information to obtain the target model.

[0069] Optionally, the detection rules set by each department: Rules for identifying payment anomalies established by different departments such as finance, procurement, and legal affairs according to their respective responsibilities, such as supplier reputation assessment, contract clause review, and fund availability check; Historical abnormal information: Any information or event in the historical transaction information that the system identifies as not conforming to the normal payment process, such as supplier reputation problems, contract disputes, and insufficient account balances.

[0070] Optionally, the intelligent processing system first collects a large amount of historical transaction information from the database, which serves as the basis for training the target model. Among them, the collected data not only includes the specific details of payment transactions, but also covers multi-dimensional information such as suppliers, contracts, and financial accounts related to payments, as well as the detection rules set by each department, which helps the system comprehensively understand the complexity of payment operations. Then the system marks the abnormal events in the historical payment information. These marks are based on the detection rules set by each department and actual business experience, and are used to distinguish normal payment information from abnormal payment information. Among them, the marking process is a key step in training the target model because it provides the "learning cases" for the model to identify abnormal payment information. Finally, the intelligent processing system uses the collected historical transaction information and the marked historical abnormal information to train the initial model. The training process includes data preprocessing, feature selection, model training, and parameter optimization, etc., aiming to enable the model to "learn" the recognition pattern of payment anomalies from historical data. Through multiple rounds of iterative training, the system can gradually improve the recognition accuracy and generalization ability of the model, and finally obtain a target model that can accurately predict and handle payment anomalies.

[0071] Optionally, once the target model is trained, the intelligent processing system will use it to analyze new payment information in real time, automatically identify potential abnormal payment information, and make decisions to freeze, unfreeze, or continue the payment according to the recognition results. The application of the model improves the efficiency and accuracy of payment review, and helps to timely detect and handle payment problems. In addition, the target model can also be continuously optimized according to new transaction data and feedback information to adapt to the changing business environment and payment risks.

[0072] As can be seen from the above, by introducing a model training mechanism based on historical transaction information and abnormal event marking, the ability of the intelligent processing system to identify and handle payment anomalies is significantly enhanced. The establishment of the target model can not only automatically judge whether the payment information is abnormal, but also make decisions to freeze or unfreeze according to the payment status and business rules, avoiding the problem that simple rules cannot handle complex scenarios. This mechanism reduces unnecessary interference with the normal payment process, improves the efficiency and accuracy of payment review, and at the same time reduces potential legal risks and financial losses. In addition, the continuous optimization mechanism of the target model ensures that the system can adapt to the changes in the business environment and continuously improve its abnormal recognition and decision-making ability, providing a more intelligent and flexible solution for payment settlement.

[0073] In an optional embodiment, the intelligent processing system stores the operation type, the reason for performing the freeze operation or thaw operation, the operation time, and the operation result of the target terminal of the target department on the payment information.

[0074] Optionally, the operation type refers to the operations performed by the target terminal on the payment information, including freezing and thawing operations. The reason for the operation: the specific reasons for performing the freezing or thawing operation, such as a decline in the supplier's reputation, settlement of contract disputes, etc. The operation time: the specific timestamp when the operation is executed. The operation result: the status after the operation is executed, such as successful freezing, failed freezing, successful thawing, etc.

[0075] Optionally, when the intelligent processing system starts the freezing / thawing operation of the payment information, it automatically initializes the recording mechanism to prepare to record all the key details of the operation, including the operation type, reason, time, and result.

[0076] Optionally, when the target terminal performs a freezing or thawing operation, the intelligent processing system automatically records the actual type of the operation (freezing or thawing), the specific reason for the operation, the exact time when the operation is executed, and the final result of the operation (success or failure). This detailed recording mechanism ensures that all key operations are completely recorded by the system, improving the transparency and auditability of the payment settlement process. After the operation is completed, the intelligent processing system feeds back the operation result to the target terminal of the target department, informing whether the operation is successful and the specific reasons for failure. This instant feedback mechanism can help the operator quickly understand the operation status and take subsequent measures in a timely manner.

[0077] Optionally, the operation records provided by the intelligent processing system can be queried by the target department to audit the rationality, compliance, and efficiency of the freezing / thawing operations. The queryability of the operation records improves the transparency of the payment audit process, contributing to subsequent audit work and problem tracking.

[0078] Optionally, when performing a freezing or thawing operation, the system will pop up a "Payment Freezing or Thawing Prompt Message", and the prompt message will display statistical data: * records are recorded for this operation, among which * are successful and * are failed, and it will give the information records of successful and failed operations, and the reasons for failure will be given for failed operations.

[0079] As can be seen from the above, by detailedly recording the type, reason, time, and result of the payment information freezing / thawing operation, the system ensures that all key operations can be traced and audited. This mechanism enables financial personnel to better track and manage payment information, ensuring the compliance and rationality of operations, reducing potential legal risks and financial losses. At the same time, the instant feedback of the operation result and the queryability of the operation records improve the user-friendliness of the system and the overall operation experience, reducing cross-departmental communication costs and promoting the collaboration efficiency within the organization.

[0080] The embodiments of the present application further provide a processing device for payment information. It should be noted that the processing device for payment information in the embodiments of the present application can be used to execute the processing method for payment information provided by the embodiments of the present application. The following introduces the processing device for payment information provided by the embodiments of the present application.

[0081] According to the embodiments of the present application, there is also provided a device for implementing the above-mentioned processing method for payment information. Figure 2 It is a schematic diagram of an optional processing device for payment information according to the embodiments of the present application. As Figure 2 shown, the device includes: a detection unit 201, a judgment unit 202, a first processing unit 203, and a second processing unit 204.

[0082] Optionally, the detection unit 201 is configured to detect whether there is abnormal information in the payment information according to the target rule corresponding to the target department when the target terminal of the target department receives the payment information, where the target rule corresponding to the target department is a rule set by the target department for payment review and used to identify abnormal information associated with the responsibilities of the target department; the judgment unit 202 is configured to judge whether the payment status of the payment information is the target status when it is detected that there is abnormal information in the payment information and the target parameter is enabled, where the target status is used to represent that the transaction corresponding to the payment information has not been completed or the payment has been returned, and the target parameter is used to control whether the target terminal of the target department can perform freezing and thawing operations on the payment information; the first processing unit 203 is configured to, if the payment status of the payment information is the target status, perform a freezing operation on the payment information through the target terminal; the second processing unit 204 is configured to, after performing the freezing operation on the payment information, if it is detected that the abnormal information has been repaired, perform a thawing operation on the payment information through the target terminal and transmit the thawed payment information to the terminal device of other departments, where the detection rules set by the target department and other departments for payment review are different.

[0083] Optionally, the processing device for payment information further includes: a first determination unit, configured to determine whether to perform a freezing operation on each sub-payment information according to the payment status of each sub-payment information in the payment information when there is abnormal information in the payment information and the payment information is decomposed into N sub-payment information for payment, where N is an integer greater than 1.

[0084] Optionally, the first determination unit includes: a first prohibition subunit, a second prohibition subunit, and a first processing subunit. The first prohibition subunit is configured to prohibit performing a freezing operation on the i-th sub-payment information in the payment information when the payment status of the i-th sub-payment information in the payment information is payment success, where i is an integer greater than or equal to 1 and less than or equal to N; the second prohibition subunit is configured to prohibit performing a freezing operation on the i-th sub-payment information in the payment information when the payment status of the i-th sub-payment information in the payment information is in payment; the first processing subunit is configured to perform a freezing operation on the i-th sub-payment information in the payment information when the payment status of the i-th sub-payment information in the payment information is incomplete payment or payment return.

[0085] Optionally, the determination unit 202 includes: a third prohibition unit, configured to prohibit performing a freezing operation on the payment information through the target terminal of the target department when it is detected that the payment status of the payment information is a status other than the target status.

[0086] Optionally, the detection unit 201 includes: a first acquisition subunit and a first determination subunit. The first acquisition subunit is configured to acquire a target model, where the target model is a model trained based on historical transaction data and detection rules set by each department and capable of identifying whether there is abnormal information in the payment information; the first determination subunit is configured to determine whether there is abnormal information in the payment information according to the target model and the target rules corresponding to the target department.

[0087] Optionally, the first acquisition subunit includes: a first collection module, a first processing module, and a first training module. The first collection module is configured to collect historical transaction information, where the historical transaction information at least includes historical payment information, supplier information corresponding to the historical payment information, contract clause information, financial account balance information, and detection rules set by each department; the first processing module is configured to extract and mark the corresponding historical abnormal information in the historical payment information; the first training module is configured to perform iterative training on the initial model according to the historical transaction information and the historical abnormal information to obtain the target model.

[0088] Optionally, the processing device for payment information further includes: a storage unit, configured to store the operation type performed by the target terminal of the target department on the payment information, the reason for performing the freezing operation or thawing operation, the operation time, and the operation result.

[0089] According to another aspect of the embodiments of the present application, there is also provided a computer-readable storage medium, where the computer-readable storage medium includes a stored executable program, and when the executable program runs, it controls the device where the computer-readable storage medium is located to execute the above-mentioned processing method for payment information.

[0090] According to another aspect of the embodiments of the present application, an electronic device is further provided, including: a memory storing an executable program; a processor configured to run the program, wherein when the program runs, it executes the above-mentioned method for processing payment information.

[0091] The serial numbers of the above embodiments of the present application are only for description and do not represent the advantages or disadvantages of the embodiments.

[0092] In the above embodiments of the present application, the descriptions of the various embodiments have their own emphases. For parts not detailed in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0093] In the several embodiments provided by the present application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only illustrative. For example, the division of the units can be a logical function division. In actual implementation, there can be other division methods. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the displayed or discussed couplings or direct couplings or communication connections to each other can be through some interfaces. The indirect couplings or communication connections of the units or modules can be in electrical or other forms.

[0094] The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they can be located in one place or distributed to multiple units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0095] In addition, in each embodiment of the present application, the functional units can be integrated in a processing unit, or each unit can exist physically alone, or two or more units can be integrated in one unit. The above integrated units can be implemented in the form of hardware or in the form of software functional units.

[0096] When the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of this technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in various embodiments of this application. The foregoing storage medium includes: various media that can store program codes, such as USB flash drives, read-only memories (ROM, Read-Only Memory), random access memories (RAM, Random Access Memory), mobile hard disks, magnetic disks, or optical discs.

[0097] The foregoing are only the preferred embodiments of this application. It should be noted that for those of ordinary skill in the art, without departing from the principle of this application, several improvements and refinements can be made, and these improvements and refinements should also be regarded as the protection scope of this application.

Claims

1. A method for processing payment information, characterized in that: include: When the target terminal of the target department receives the payment information, detecting whether the payment information contains abnormal information according to the target rule corresponding to the target department, wherein the target rule corresponding to the target department is a rule set by the target department for payment review and used to identify abnormal information associated with the responsibilities of the target department; When abnormal information is detected in the payment information and the target parameter is turned on, determining whether the payment status of the payment information is the target status, wherein the target status is used to indicate that the transaction corresponding to the payment information has not been paid or the payment has been returned, and the target parameter is used to control whether the target terminal of the target department can perform freezing and unfreezing operations on the payment information; If the payment status of the payment information is the target status, performing a freezing operation on the payment information through the target terminal; After performing the freezing operation on the payment information, if it is detected that the abnormal information has been repaired, the payment information is unfrozen through the target terminal, and the unfrozen payment information is transmitted to the terminal device of other departments, wherein the detection rules set for payment review by the target department and the other departments are different.

2. The method for processing payment information according to claim 1, characterized in that: The method further comprises: In case the payment information contains abnormal information and the payment information is decomposed into N sub-payment information for payment, whether to perform the freezing operation on each sub-payment information is determined according to the payment status of each sub-payment information in the payment information, where N is an integer greater than 1.

3. The method for processing payment information according to claim 2, characterized in that: In the case where the payment information contains the abnormal information and the payment information is decomposed into N sub-payment information for payment, determining whether to perform the freezing operation on each sub-payment information according to the payment status of each sub-payment information in the payment information includes: When the payment status of the i-th sub-payment information in the payment information is payment success, it is prohibited to perform the freezing operation on the i-th sub-payment information, where i is an integer greater than or equal to 1 and less than or equal to N; When the payment status of the i-th sub-payment information in the payment information is in payment, it is prohibited to perform the freezing operation on the i-th sub-payment information; When the payment status of the i-th sub-payment information in the payment information is incomplete payment or payment return, the freezing operation is performed on the i-th sub-payment information.

4. The method for processing payment information according to claim 1, characterized in that: When it is detected that the payment information contains abnormal information and the target parameter is turned on, after determining whether the payment status of the payment information is the target status, the method further includes: When it is detected that the payment status of the payment information is a status other than the target status, it is prohibited to perform the freezing operation on the payment information through the target terminal of the target department.

5. The method for processing payment information according to claim 1, characterized in that: Detecting whether the payment information has abnormal information according to the target rule corresponding to the target department includes: Obtaining a target model, wherein the target model is a model trained based on historical transaction data and detection rules set by various departments and capable of identifying whether the payment information contains the abnormal information; Determine whether the payment information contains the abnormal information according to the target model and the target rule corresponding to the target department.

6. The method for processing payment information according to claim 5, characterized in that: The target model is obtained by the following steps: Collecting historical transaction information, wherein the historical transaction information at least includes historical payment information, supplier information corresponding to the historical payment information, contract terms information, financial account balance information, and detection rules set by various departments; Extracting and marking corresponding historical abnormal information in the historical payment information; The initial model is iteratively trained according to the historical transaction information and the historical abnormal information to obtain the target model.

7. The method for processing payment information according to claim 1, characterized in that: The method further comprises: The type of operation performed by the target terminal of the target department on the payment information, the reason for performing the freezing operation or the unfreezing operation, the operation time and the operation result are stored.

8. A payment information processing device, characterized in that: include: a detection unit, when a target terminal of a target department receives payment information, detecting whether the payment information contains abnormal information according to a target rule corresponding to the target department, wherein the target rule corresponding to the target department is a rule set by the target department for payment review and used to identify abnormal information associated with the responsibilities of the target department; a judgment unit, when detecting that the payment information has abnormal information and the target parameter is turned on, judging whether the payment status of the payment information is a target status, wherein the target status is used to indicate that the transaction corresponding to the payment information has not been paid or the payment has been returned, and the target parameter is used to control whether the target terminal of the target department can perform a freezing operation and a thawing operation on the payment information; A first processing unit, if the payment status of the payment information is a target status, performs a freezing operation on the payment information through the target terminal; The second processing unit, after performing the freezing operation on the payment information, performs an unfreezing operation on the payment information through the target terminal if it is detected that the abnormal information has been repaired, and transmits the unfrozen payment information to the terminal device of other departments, wherein the detection rules set for payment review by the target department and the other departments are different.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located executes the payment information processing method according to any one of claims 1 to 7.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the payment information processing method described in any one of claims 1 to 7.

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