Enterprise financial data automatic reconciliation management method and system and medium

Abstract

The invention discloses an automatic reconciliation management method and system for enterprise financial data and a medium. The automatic reconciliation management method for the enterprise financial data comprises the steps that a customer database and a customer service database are established, and the system generates corresponding business document information through customer account information input by customer service; performing account checking calculation on the selected business document according to the configuration coefficient and the business type of the customer; the customer service sends an account checking application to the customer, and the customer selects a payment account for payment after checking that the data is correct; the beneficial effects of the invention are that the method achieves the automatic reconciliation process, can calculate the amount of related fees in real time according to an existing business document, can directly carry out the deduction application of the fees which are confirmed to be correct, and is convenient to use. And the management method is simple, the working efficiency is high, the use cost is low, and the method is convenient to popularize and use.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and in particular to an automated account reconciliation management method, system and medium for enterprise financial data. Background Art

[0002] In the existing technology, with the expansion of enterprise scale and the complexity of business, financial data reconciliation management has become an indispensable part of enterprise operations. Especially under the promotion of informatization and digital transformation, a large number of data detailed reconciliation needs have emerged, which requires enterprises to adopt more efficient and accurate reconciliation technical means to support the normal operation of the business. Reconciliation refers to the process of checking and confirming data from different sources during business processing. Its purpose is to ensure the accuracy and consistency of data, timely discover and handle data differences, and ensure the smooth progress of business processes. In the traditional reconciliation process, financial data is mainly compared one by one manually, which is prone to inaccurate comparison. The existing large-scale data detailed reconciliation technology is a technical means to ensure the consistency and accuracy of accounts by checking large-scale data one by one. However, with the increase of enterprise business, the amount of financial data continues to grow, and the types and formats of data have become complex and diverse. There are many reconciliation errors and low reconciliation efficiency. Therefore, the existing reconciliation processing technology has the problem of poor real-time performance and accuracy.

[0003] The Chinese invention patent with application number: 202410810961.2 discloses a method and system for automated reconciliation management of enterprise financial data, which relates to the field of data processing technology. The method includes: establishing a distributed processing network according to the basic characteristics of enterprise financial data; establishing external transaction account mapping and collecting external transaction data; obtaining internal enterprise financial data and clustering to obtain multiple internal transaction data sets; substituting external transaction data and internal enterprise financial data into the distributed processing network, performing difference comparison analysis, tracing abnormal transaction nodes through the abnormal processing unit, and performing abnormal transaction analysis management for abnormal transaction nodes. However, the management method of this method and system for automated reconciliation management of enterprise financial data is relatively cumbersome and has low work efficiency. It requires automated reconciliation management through a distributed processing network, which has a high cost of use and is not conducive to promotion and use. Summary of the invention

[0004] The purpose of the present invention is to provide a method, system and medium for automated reconciliation management of enterprise financial data.

[0005] To achieve the above purpose, the technical solution proposed by the present invention is:

[0006] An automated account reconciliation management method for enterprise financial data, comprising:

[0007] Build a customer database and a customer service database. The system generates corresponding business document information based on the customer's account information input by the customer service.

[0008] Perform reconciliation calculations on the selected business documents according to the configuration coefficient and the customer's business type.

[0009] The customer service sends a reconciliation application to the customer. After the customer checks the data and finds it correct, the customer selects a payment account to make a payment.

[0010] Automatically deduct the service fee according to the customer's payment account and update the payment status, and record the reconciliation data.

[0011] Build a customer database and a customer service database. The system performs reconciliation calculations on the selected business documents according to the configuration coefficient and the customer's business type, including:

[0012] The customer service database contains a customer information table, a reconciliation application form, a payment account table, and a payment record table.

[0013] The customer database contains a goods table, a business table, and a payment record table.

[0014] System users corresponding to the customer database and the customer service database are divided into customer roles and customer service roles. After the customer service role filters the conditions in the system, it queries the relevant business data for the selected customers and periods and initiates a reconciliation application.

[0015] Customers are divided into two business types: actual settlement and non-actual settlement. After the customer service configures the corresponding parameters, the system automatically matches the algorithm corresponding to its type.

[0016] The reconciliation application of the system includes seven reconciliation statuses, and can be automatically updated according to the reconciliation status obtained by the system.

[0017] The customer service sends a reconciliation application to the customer, including:

[0018] There is an intercommunication function between the customer service account and the customer account. After the customer service account sends a reconciliation application, the corresponding customer account will receive a message notification sent by the customer service role.

[0019] After the customer checks the data and finds it correct, the customer selects a payment account to make a payment, including:

[0020] The customer account checks the reconciliation application sent by the customer service account. After checking and finding it correct, the customer can select the corresponding bank account number to submit the payment.

[0021] Automatically deduct the service fee according to the customer's payment account and update the payment status, and record the reconciliation data, including:

[0022] After the customer confirms the reconciliation, the system will make an automatic payment at 12 o'clock at night, and at the same time, it also supports the customer service account to make a manual deduction at any time after the customer account confirms that it is correct.

[0023] During the service fee payment process, the system judges the balance of the payment account when applying for fund transfer. If the balance of the selected payment account is insufficient to pay the current service fee, the payment process cannot be carried out. At the early morning of the day after the service fee payment, if the system does not receive a payment success prompt, the system will be automatically locked and the service will be suspended until the deduction is successful and the system resumes service.

[0024] The reconciliation management method includes:

[0025] S1. Screening customers and initiating reconciliation applications: The customer service role screens customers in the system, selects corresponding data and business documents for calculation;

[0026] S2. Business type matching and parameter configuration: The system loads the corresponding algorithm according to the customer's business type and configuration parameters and initializes technical parameters;

[0027] S3. Message notification and customer verification: The system sends a reconciliation application notice to the customer, and the customer verifies the data;

[0028] S4. Payment account selection and balance judgment: After the customer confirms that the data is correct, the customer selects a payment account. The system judges whether the account balance is sufficient before the customer submits the deduction based on the selected payment account and the corresponding balance data of the customer, and decides whether to continue the payment process;

[0029] S5. Automatic payment or manual deduction: The system automatically pays at the specified time or the customer service makes a manual deduction;

[0030] S6. Payment status update and locking mechanism: The system updates the payment status and locks or unlocks the account according to the payment status. If the payment fails, the account will be locked; if the payment is successful, the account will be unlocked;

[0031] S7. Reconciliation data recording and query: The system records the reconciliation data, supporting subsequent query and traceability.

[0032] In S3, if the customer confirms that the reconciliation data is incorrect and feedbacks it to the customer service account, the customer service reconfigures the corresponding parameters. The system automatically matches the corresponding algorithm according to the background configuration coefficient and the customer's business type again. After the calculation is completed, a reconciliation application notice is sent to the customer again.

[0033] An enterprise financial data automated reconciliation management system, the system includes:

[0034] A database building module, which is used to build a customer database and a customer service database. The customer database and the customer service database contain reconciliation elements. The reconciliation elements construct a user table, a goods table and a business table;

[0035] A matching module, which is used to automatically match the corresponding reconciliation algorithm according to the background configuration coefficient and the customer's business type;

[0036] A notification module, which is used to send a reconciliation application notification to the customer's account;

[0037] A payment determination module, which is used to determine whether the balance of the payment account is sufficient and lock or unlock the customer's account according to the payment status;

[0038] A reconciliation data recording module, which is used to record reconciliation data.

[0039] A computer-readable storage medium, in which a computer program is stored, and the computer program includes program codes for executing the above-mentioned reconciliation management method.

[0040] The beneficial effects of the present invention are:

[0041] An automated reconciliation process is realized. Based on the existing business documents, the relevant expense amounts can be calculated in real time. For the expenses that are confirmed to be correct, the deduction application can be directly carried out, and the reconciliation data is recorded for query and traceability. The management method is simple, the work efficiency is high, the use cost is low, it is convenient to promote and use, and the service fee can be automatically paid or manually deducted according to the customer's account status. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] Figure 1 is a flowchart of the automated reconciliation management method of the present invention;

[0043] Figure 2 is a schematic structural diagram of the automated reconciliation management system of the present invention;

[0044] Figure 3 is a schematic structural diagram of the computer device corresponding to the computer-readable storage medium of the present invention.

[0045] In the figure: 1. Database construction module; 2. Matching module; 3. Notification module; 4. Payment determination module; 5. Reconciliation data recording module. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0046] The present invention will be further described in detail below with reference to the accompanying drawings.

[0047] Embodiment 1:

[0048] An automated reconciliation management method for enterprise financial data, including:

[0049] A1. Build a customer database and a customer service database, and the system generates corresponding business document information through the account information of the customer input by the customer service;

[0050] A2. Reconciliation calculation is performed on the selected business documents according to the configuration coefficient and the customer's business type;

[0051] A3. The customer service sends a reconciliation application to the customer. After the customer checks the data and finds it correct, the customer selects a payment account for payment;

[0052] A4. Service fees are automatically deducted according to the customer's payment account, and the payment status is updated, and the reconciliation data is recorded.

[0053] Among them, the flowchart of the automated reconciliation management method of the present invention is as Figure 1 shown

[0054] Build a customer database and a customer service database. The system performs reconciliation calculation on the selected business documents according to the configuration coefficient and the customer's business type, including:

[0055] The customer service database includes a customer information table, a reconciliation application form, a payment account table, and a payment record table;

[0056] The customer database includes a goods table, a business table, and a payment record table.

[0057] System users correspond to the customer database and the customer service database, divided into customer roles and customer service roles. After the customer service role filters the conditions in the system, relevant business data is queried for the selected customers and periods, and a reconciliation application is initiated;

[0058] Customers are divided into two business types: actual settlement and non-actual settlement. After the customer service configures the corresponding parameters, the system automatically matches the algorithm corresponding to its type;

[0059] The reconciliation application of the system includes seven reconciliation statuses, and can be automatically updated according to the reconciliation status obtained by the system.

[0060] Among them, the configuration coefficient is determined according to the business volume of the corresponding customer.

[0061] Among them, the seven reconciliation statuses are: initiated pending confirmation, confirmed pending payment, incorrect, pushed pending payment, payment successful, payment failed, and revoked.

[0062] Among them, the customer information table is used to confirm the customer's information, so as to screen customers and match business types. The reconciliation application form is used to record the status and amount of the reconciliation application. The payment account table is used to query the balance of the customer's payment account and perform payments. The payment information table is used to record payment results and support querying and tracing.

[0063] The customer service sends a reconciliation application to the customer, including:

[0064] There is an interoperability function between the customer service account and the customer account. After the customer service account sends a reconciliation application, the corresponding customer account will receive a message notification sent by the customer service role.

[0065] After the customer verifies that the data is correct, the customer selects a payment account for payment, including:

[0066] The customer account verifies the reconciliation application sent by the customer service account. After verification, the customer can select the corresponding bank account to submit the payment.

[0067] Automatically deduct the service fee according to the customer's payment account and update the payment status, and record the reconciliation data, including:

[0068] After the customer confirms the reconciliation, the system will automatically make the payment at 12:00 at night. At the same time, it also supports the customer service account to manually deduct at any time after the customer account confirms that it is correct.

[0069] During the service fee payment process, the system judges the balance of the payment account when applying for a payment. If the balance of the selected payment account is not enough to pay the current service fee, the payment process cannot be carried out. In the early morning of the next day after the service fee payment, if the system does not receive a payment success prompt, the system will automatically lock and suspend the service until the deduction is successful and the system resumes the service.

[0070] The reconciliation management method specifically includes the following steps:

[0071] S1. Screening customers and initiating reconciliation applications: The customer service role screens customers in the system, selects corresponding data and business documents for calculation;

[0072] S2. Business type matching and parameter configuration: The system loads the corresponding algorithm and initializes the technical parameters according to the customer's business type and configuration parameters;

[0073] S3. Message notification and customer verification: The system sends a reconciliation application notice to the customer, and the customer verifies the data;

[0074] S4. Payment account selection and balance judgment: After the customer confirms that the data is correct, the customer selects a payment account. The system judges whether the account balance is sufficient before the customer submits the deduction according to the selected payment account and the corresponding balance data of the customer, and decides whether to continue the payment process;

[0075] S5. Automatic payment or manual deduction: The system automatically makes the payment at the specified time or is manually deducted by the customer service;

[0076] S6. Payment status update and locking mechanism: The system updates the payment status and locks or unlocks the account according to the payment status. If the payment fails, the account is locked. If the payment is successful, the account is unlocked;

[0077] S7. Reconciliation data recording and query: The system records the reconciliation data and supports subsequent query and traceability.

[0078] In S3, if the customer confirms that the reconciliation data is incorrect and feedbacks it to the customer service account, the customer service reconfigures the corresponding parameters, and the system automatically matches the corresponding algorithm according to the background configuration coefficient and the customer's business type again. After the calculation is completed, a reconciliation application notice is sent to the customer again.

[0079] In S2, the core algorithms involved include:

[0080] Tax difference = out - warehouse cost * [output tax rate * (1 + input tax rate) / (1 + output tax rate) - input tax rate] * 1.12 - sales return out - warehouse cost * [output tax rate * (1 + input tax rate) / (1 + output tax rate) - input tax rate] * 1.12;

[0081] Actual settlement of warehousing and logistics fees:

[0082] Service fee = {[total amount of sales out - warehouse price and tax - sales out - warehouse cost * (1 + input tax rate)] - [total amount of sales return price and tax - sales return out - warehouse cost * (1 + input tax rate)]} * high - opening ratio (manually configured in the system background) + freight (total amount of price and tax for the commodity category "warehousing and logistics" in the purchase receipt) + tax difference;

[0083] Fixed ratio of sales amount:

[0084] Service fee = {[total amount of sales out - warehouse price and tax - sales out - warehouse cost * (1 + input tax rate)] - [total amount of sales return price and tax - sales return out - warehouse cost * (1 + input tax rate)]} * high - opening ratio (manually configured in the system background) + (total amount of sales out - warehouse price and tax - total amount of sales return price and tax) * fixed ratio of sales amount + tax difference;

[0085] Calculation rule of payable sales commission = [total amount of sales out - warehouse price and tax - sales out - warehouse cost * (1 + input tax rate)] - [total amount of sales return price and tax - sales return out - warehouse cost * (1 + input tax rate)] - service fee - total amount of price and tax for the commodity category "expenses" in the purchase receipt - total amount for the business type "loss reporting" in other out - warehouses.

[0086] Among them, the corresponding algorithm is specifically selected according to the customer type for accounting.

[0087] Embodiment 2:

[0088] An enterprise financial data automated reconciliation management system, the system includes:

[0089] Database building module 1, which is used to build a customer database and a customer service database. The customer database and the customer service database contain reconciliation elements, and the reconciliation elements construct a user table, a goods table, and a business table;

[0090] Matching module 2, which is used to automatically match corresponding reconciliation algorithms according to background configuration coefficients and customer business types;

[0091] Notification module 3, which is used to send reconciliation application notifications to customer accounts;

[0092] Payment determination module 4, which is used to determine whether the balance of the payment account is sufficient and lock or unlock the customer account according to the payment status;

[0093] Reconciliation data recording module 5, which is used to record reconciliation data.

[0094] Among them, the structural schematic diagram of the automated reconciliation management system of the present invention is as Figure 2 shown.

[0095] Embodiment 3:

[0096] A computer-readable storage medium stores a computer program, and the computer program includes program codes for executing the above-mentioned reconciliation management method.

[0097] Among them, the structural schematic diagram of the computer device corresponding to the computer-readable storage medium of the present invention is as Figure 3 shown.

[0098] Working principle:

[0099] The reconciliation management system involved in this technical solution is mainly applicable between an enterprise and a service provider providing reconciliation services. The service provider is the client in the system, and the enterprise is the client in the system. When reconciliation is required, the customer uploads financial data to the system. The customer service screens the corresponding customers in the system and selects the corresponding data and business documents for reconciliation. The system performs reconciliation through corresponding algorithms according to the customer business type and configuration parameters. After the reconciliation is completed, the system sends a reconciliation application notification to the customer. The customer checks the corresponding data. If the data is correct, the corresponding service fee can be paid. The system locks or unlocks the customer account according to the automatic status.

[0100] The beneficial effects of the present invention are to realize an automated reconciliation process, be able to calculate relevant fee amounts in real time based on existing business documents, directly apply for deduction of the confirmed fees, and record reconciliation data for query and traceability. The management method is simple, the work efficiency is high, the use cost is low, it is convenient to promote and use, and the service fee can be automatically paid or manually deducted according to the customer account status.

[0101] The above has described in detail an embodiment of the present invention. However, the content is only a preferred embodiment of the present invention and cannot be considered as defining the scope of implementation of the present invention. All equivalent changes and improvements made in accordance with the scope of the application of the present invention shall still fall within the scope covered by the patent of the present invention.

Claims

1. An automated account reconciliation management method for enterprise financial data, characterized in that: include: Build a customer database and a customer service database. The system generates corresponding business document information based on the customer account information entered by the customer service; Perform reconciliation calculation on the selected business documents according to the configuration coefficient and the customer's business type; The customer service sends a reconciliation request to the customer. After the customer verifies that the data is correct, he / she selects a payment account to make the payment. Automatically deduct service fees from the customer's payment account, update payment status, and record reconciliation data.

2. The method for automated reconciliation management of enterprise financial data according to claim 1, characterized in that: Build a customer database and a customer service database. The system performs reconciliation calculations on the selected business documents based on the configuration coefficient and the customer's business type, including: The customer service database includes a customer information form, a reconciliation application form, a payment account form, and a payment record form; The customer database contains a product table, a business table, and a payment record table. System users are divided into customer roles and customer service roles corresponding to the customer database and customer service database. After the customer service role screens the conditions in the system, it queries the relevant business data for the selected customers and periods and initiates a reconciliation application; Customers are divided into two business types: real settlement and non-real settlement. After the customer service configures the corresponding parameters, the system automatically matches the algorithm corresponding to its type; The system's reconciliation application contains seven reconciliation statuses, which can be automatically updated based on the reconciliation status obtained by the system.

3. The method for automated reconciliation management of enterprise financial data according to claim 2, characterized in that: Customer service sends a reconciliation request to the customer, including: The customer service account and the customer account have intercommunication functions. After the customer service account sends a reconciliation request, the corresponding customer account will receive a message notification sent by the customer service role.

4. The method for automated reconciliation management of enterprise financial data according to claim 3, characterized in that: After verifying the data, the customer selects a payment account to make payment, including: The customer account verifies the reconciliation request sent by the customer service account. After verification, the customer account can select the corresponding bank account to submit payment.

5. The method for automated reconciliation management of enterprise financial data according to claim 4, characterized in that: Automatically deduct service fees from customer payment accounts, update payment status, and record reconciliation data, including: After the customer confirms the reconciliation, the system will automatically make the payment at 12 o'clock in the evening. It also supports manual deductions from the customer service account at any time after the customer's account is confirmed to be correct.

6. The method for automated reconciliation management of enterprise financial data according to claim 5, characterized in that: During the service fee payment process, the system will determine the balance of the payment account when applying for transfer. If the balance of the selected payment account is not sufficient to pay the current service fee, the payment process cannot be carried out. In the early morning of the next day after the service fee is paid, if the system does not receive a successful payment notification, the system will automatically lock and suspend service until the deduction is successful and the system resumes service.

7. The method for automated reconciliation management of enterprise financial data according to claim 6, characterized in that: The reconciliation management method comprises: S1. Screening customers and initiating reconciliation applications: The customer service role screens customers in the system and selects corresponding data and business documents for calculation; S2. Business type matching and parameter configuration: The system loads the corresponding algorithm and initializes the technical parameters according to the customer's business type and configuration parameters; S3, message notification and customer verification: the system sends a reconciliation application notification to the customer, and the customer verifies the data; S4. Payment account selection and balance determination: After the customer confirms that the data is correct, he / she selects a payment account. The system determines whether the account balance is sufficient based on the payment account selected by the customer and the corresponding balance data before the customer submits the deduction, and decides whether to continue the payment process; S5, automatic payment or manual deduction: the system automatically pays at the specified time or the customer service staff manually deducts the payment; S6. Payment status update and locking mechanism: The system updates the payment status and locks or unlocks the account based on the payment status. If the payment fails, the account is locked; if the payment succeeds, the account is unlocked. S7. Reconciliation data recording and query: The system records reconciliation data and supports subsequent query and tracing.

8. The method for automated reconciliation management of enterprise financial data according to claim 7, characterized in that: In S3, if the customer confirms that the reconciliation data is incorrect, feedback is sent to the customer service account, and the customer service reconfigures the corresponding parameters. The system automatically matches the corresponding algorithm based on the background configuration coefficient and the customer's business type. After the calculation is completed, the reconciliation application notification is resent to the customer.

9. An automated account reconciliation management system for enterprise financial data, characterized in that: The system comprises: A database building module (1), wherein the database building module (1) is used to build a customer database and a customer service database, wherein the customer database and the customer service database contain reconciliation elements, and the reconciliation elements construct a user table, a product table, and a business table; A matching module (2), the matching module (2) is used to automatically match a corresponding reconciliation algorithm according to a background configuration coefficient and a customer business type; A notification module (3), the notification module (3) being used to send a reconciliation application notification to a customer account; A payment determination module (4), the payment determination module (4) being used to determine whether the balance of the payment account is sufficient and to lock or unlock the customer account according to the payment status; A reconciliation data recording module (5), wherein the reconciliation data recording module (5) is used to record reconciliation data.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes a program code for executing the method according to any one of claims 1 to 8.

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