Cost automatic reconciliation and settlement method and system, and medium

Abstract

The embodiment of the invention provides an automatic fee reconciliation and settlement method and system and a medium, and the method comprises the steps: obtaining the parameter information of a purchased commodity, calculating the total purchase amount based on the parameter information of the purchased commodity, and obtaining a settlement standard amount; obtaining a user payment record, and calculating the total payment amount of the user based on the user payment record; comparing the total payment amount of the user with a settlement standard amount to obtain a settlement amount difference, and judging whether the settlement amount difference is zero or not; if the total payment amount is zero, paying the money which is the same as the total payment amount of the user to the service party, and sending expense details and a settlement notice to the user; if not, generating a payment exception report, and analyzing a payment exception record based on the payment exception report; the settlement amount is determined by analyzing whether the payment record of the user is matched with the settlement standard amount, and after the expense is confirmed to be correct, the settlement operation is automatically completed, so that the whole expense settlement process is transparent, accurate and efficient, and the financial operation efficiency and the user experience are improved.

Description

Technical Field

[0001] This application relates to the technical field of reconciliation and settlement, and more particularly, to a method, system, and medium for automatic expense reconciliation and settlement. Background Art

[0002] Bank-enterprise reconciliation has also encountered unprecedented new challenges at the present stage: First, the enhanced supervision of the banking industry has become normal. Only when commercial banks firmly hold the last line of defense for compliance operations can stricter conditions be set for the management of bank-enterprise reconciliation. Second, there is always the pressure of preventing cases. If there are omissions in the reconciliation, it will give criminals an opportunity, and more stringent requirements are placed on the risk control of bank-enterprise reconciliation. Third, the scope of bank management and services is constantly expanding, and the connotation is constantly improving, which more strictly requires the load-bearing strength of bank-enterprise reconciliation business. Fourth, there are still problems in the management of bank-enterprise reconciliation by commercial banks, such as insufficient attention, incomplete reconciliation requirements, unreasonable post settings, incomplete performance appraisals, and poor work quality of outsourcing companies. Fifth, more operational risks and management risks will be faced during the transformation of bank-enterprise reconciliation management from mainly paper-based reconciliation to mainly electronic reconciliation. Summary of the Invention

[0003] The purpose of the embodiments of this application is to provide a method, system, and medium for automatic expense reconciliation and settlement. By analyzing whether the user's payment record matches the settlement standard amount, the settlement amount is determined. After confirming that the expenses are correct, the settlement operation is automatically completed, and the funds are settled to the corresponding service provider and a fee breakdown and settlement notice are sent to the user to ensure that the entire expense settlement process is transparent, accurate, and efficient, improving the financial operation efficiency and user experience.

[0004] The embodiments of this application also provide a method for automatic expense reconciliation and settlement, including:

[0005] Obtain the parameter information of the purchased goods, calculate the total purchase amount based on the parameter information of the purchased goods, and obtain the settlement standard amount;

[0006] Obtain the user's payment record, and calculate the total user payment amount based on the user's payment record;

[0007] Compare the total user payment amount with the settlement standard amount to obtain the settlement amount difference, and determine whether the settlement amount difference is zero;

[0008] If the settlement amount difference is zero, pay the amount equal to the total user payment amount to the service provider, and send a fee breakdown and settlement notice to the user;

[0009] If the settlement amount difference is not zero, generate a payment exception report and analyze the payment exception record based on the payment exception report.

[0010] Optionally, in the automatic expense reconciliation and settlement method described in the embodiments of the present application, obtaining purchase commodity parameter information, calculating the total purchase amount based on the purchase commodity parameter information to obtain the settlement standard amount specifically includes:

[0011] Obtaining purchase commodity parameter information, where the purchase commodity parameter information includes the purchase commodity time, the purchase commodity quantity, and the purchase commodity type;

[0012] Obtaining the commodity pricing rule matching the purchase commodity type, and analyzing the unit price information of the purchase commodity based on the commodity pricing rule;

[0013] Calculating the purchase commodity amount based on the purchase commodity quantity and the unit price information of the purchase commodity;

[0014] Obtaining the purchase commodity discount agreement information, and performing a discount calculation on the purchase commodity amount based on the purchase commodity discount agreement information to obtain the discount amount;

[0015] Performing a difference calculation based on the purchase commodity amount and the discount amount to obtain the settlement standard amount.

[0016] Optionally, in the automatic expense reconciliation and settlement method described in the embodiments of the present application, obtaining the user payment record, calculating the total user payment amount based on the user payment record specifically includes:

[0017] Obtaining each user payment record based on the encryption privacy protection mechanism algorithm, and matching each payment record with the purchase record to obtain the user payment record matching the purchase commodity parameter information;

[0018] Obtaining the payment result of the user payment record, and determining whether the payment result of the user payment record is successful;

[0019] If it is successful, saving the current user payment record to the payment set, and performing an addition calculation based on all the user payment records in the payment set to obtain the total user payment amount;

[0020] If it is not successful, generating the reason for the user payment exception, and checking the payment account and the collection account based on the reason for the user payment exception.

[0021] Optionally, in the automatic expense reconciliation and settlement method described in the embodiments of the present application, comparing the total user payment amount with the settlement standard amount to obtain the settlement amount difference specifically includes:

[0022] Obtaining the total user payment amount, analyzing the user payment status information, and analyzing the user payment time and the user single - payment amount based on the user payment status information;

[0023] Performing an accounting based on the user single - payment amount to obtain the accounting result;

[0024] Analyze a single settlement amount based on the settlement standard amount;

[0025] Analyze whether the total amount paid by the user is correct based on the accounting result;

[0026] If it is correct, based on the parallel computing framework, synchronize several single user payment amounts within the total amount paid by the user with the single settlement amount to obtain a single settlement difference, and calculate the settlement amount difference based on the single settlement difference;

[0027] If it is incorrect, adjust the value of the total amount paid by the user.

[0028] Optionally, in the automatic expense reconciliation and settlement method described in the embodiments of the present application, pay the amounts with the same total amount paid by the user to the service provider, and send a fee breakdown and a settlement notice to the user, specifically including:

[0029] Obtain the total amount paid by the user, and split the total amount paid by the user into single payment amounts based on the purchase commodity parameter information to obtain several payment records;

[0030] Perform encryption processing on the several payment records based on the financial data security framework to obtain ciphertext data;

[0031] Generate a fee breakdown based on the ciphertext data, send the fee breakdown to the user, and obtain the sending status information;

[0032] Analyze whether the fee breakdown is sent successfully based on the sending status information;

[0033] If it is sent successfully, obtain a settlement notice;

[0034] If it is not sent successfully, determine that the user's receiving account is abnormal.

[0035] Optionally, in the automatic expense reconciliation and settlement method described in the embodiments of the present application, analyze payment exception records based on a payment exception report, specifically including:

[0036] Obtain a payment exception report, and extract the key information in the exception report based on the payment exception report,

[0037] Analyze the payment time, user identification, and payment amount based on the key information in the exception report to obtain the exception occurrence time, abnormal user identification, and abnormal payment amount;

[0038] Obtain the abnormal payment type based on the exception occurrence time, the involved user identification, and the payment amount;

[0039] Analyze the number of abnormal payments and the single payment information of the abnormal payments based on the abnormal payment type to obtain payment exception records.

[0040] In a second aspect, an embodiment of the present application provides an automatic expense reconciliation and settlement system, which includes: a memory and a processor. The memory includes a program for the automatic expense reconciliation and settlement method. When the program for the automatic expense reconciliation and settlement method is executed by the processor, the following steps are implemented:

[0041] Obtain the purchase commodity parameter information, calculate the total purchase amount based on the purchase commodity parameter information, and obtain the settlement standard amount;

[0042] Obtain the user payment record, and calculate the total user payment amount based on the user payment record;

[0043] Compare the total user payment amount with the settlement standard amount to obtain the settlement amount difference, and determine whether the settlement amount difference is zero;

[0044] If the settlement amount difference is zero, pay the amount equal to the total user payment amount to the service provider, and send the expense details and settlement notice to the user;

[0045] If the settlement amount difference is not zero, generate a payment exception report, and analyze the payment exception record based on the payment exception report.

[0046] Optionally, in the automatic expense reconciliation and settlement system described in the embodiment of the present application, obtaining the purchase commodity parameter information, calculating the total purchase amount based on the purchase commodity parameter information, and obtaining the settlement standard amount specifically include:

[0047] Obtain the purchase commodity parameter information, where the purchase commodity parameter information includes the purchase commodity time, the purchase commodity quantity, and the purchase commodity type;

[0048] Obtain the commodity pricing rule matching the purchase commodity type, and analyze the unit price information of the purchase commodity based on the commodity pricing rule;

[0049] Calculate the purchase commodity amount based on the purchase commodity quantity and the unit price information of the purchase commodity;

[0050] Obtain the purchase commodity discount agreement information, and perform a discount calculation on the purchase commodity amount based on the purchase commodity discount agreement information to obtain the discount amount;

[0051] Perform a difference calculation based on the purchase commodity amount and the discount amount to obtain the settlement standard amount.

[0052] Optionally, in the automatic expense reconciliation and settlement system described in the embodiment of the present application, obtaining the user payment record and calculating the total user payment amount based on the user payment record specifically include:

[0053] Obtain each user payment record based on the encrypted privacy protection mechanism algorithm, match each payment record with the purchase record, and obtain the user payment record matching the purchase commodity parameter information;

[0054] Obtain the payment result of the user's payment record, and determine whether the payment result of the user's payment record is successful;

[0055] If successful, save the current user's payment record to the payment set, and perform an addition calculation based on all the user's payment records in the payment set to obtain the total user payment amount;

[0056] If not successful, generate the reason for the user's payment exception, and check the payment account and the collection account based on the reason for the user's payment exception.

[0057] Thirdly, an embodiment of the present application also provides a computer-readable storage medium, which includes a program for the automatic reconciliation and settlement method of expenses. When the program for the automatic reconciliation and settlement method of expenses is executed by a processor, the steps of the automatic reconciliation and settlement method of expenses as described in any one of the above are implemented.

[0058] As can be seen from the above, an automatic reconciliation and settlement method, system and medium for expenses provided by an embodiment of the present application obtain the purchase commodity parameter information, calculate the total purchase amount based on the purchase commodity parameter information to obtain the settlement standard amount; obtain the user's payment record, and calculate the total user payment amount based on the user's payment record; compare the total user payment amount with the settlement standard amount to obtain the settlement amount difference, and determine whether the settlement amount difference is zero; if the settlement amount difference is zero, pay the amount equal to the total user payment amount to the service provider, and send the expense details and settlement notice to the user; if the settlement amount difference is not zero, generate a payment exception report, and analyze the payment exception record based on the payment exception report; by analyzing whether the user's payment record matches the settlement standard amount, the settlement amount is determined, and after confirming that the expenses are correct, the settlement operation is automatically completed, the amount is settled to the corresponding service provider, and the expense details and settlement notice are sent to the user, ensuring that the entire expense settlement process is transparent, accurate and efficient, and improving the financial operation efficiency and user experience. Description of the Drawings

[0059] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following will briefly introduce the drawings required to be used in the embodiments of the present application. It should be understood that the following drawings only show some embodiments of the present application, and therefore should not be regarded as limiting the scope. For those of ordinary skill in the art, without creative efforts, other related drawings can also be obtained based on these drawings.

[0060] Figure 1 It is a flowchart of the automatic reconciliation and settlement method of expenses provided by an embodiment of the present application;

[0061] Figure 2Flowchart of the settlement standard amount analysis method for the automatic reconciliation and settlement method of expenses provided by the embodiments of the present application;

[0062] Figure 3 Flowchart of the total user payment amount analysis method for the automatic reconciliation and settlement method of expenses provided by the embodiments of the present application. Specific implementation manners

[0063] Next, the technical solutions in the embodiments of the present application will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Usually, the components of the embodiments of the present application described and shown in the accompanying drawings here can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the present application provided in the accompanying drawings is not intended to limit the scope of the present application claimed, but only represents the selected embodiments of the present application. All other embodiments obtained by those skilled in the art based on the embodiments of the present application without creative efforts belong to the scope of protection of the present application.

[0064] It should be noted that similar reference numerals and letters indicate similar items in the following drawings. Therefore, once an item is defined in one drawing, it does not need to be further defined and explained in subsequent drawings. At the same time, in the description of the present application, the terms "first", "second", etc. are only used for distinguishing descriptions and cannot be understood as indicating or implying relative importance.

[0065] Please refer to Figure 1 , Figure 1 is a flowchart of an automatic reconciliation and settlement method for expenses in some embodiments of the present application. This automatic reconciliation and settlement method for expenses is used in a terminal device. This automatic reconciliation and settlement method for expenses includes the following steps:

[0066] S101, obtain the purchase commodity parameter information, calculate the total purchase amount based on the purchase commodity parameter information, and obtain the settlement standard amount;

[0067] S102, obtain the user payment record, and calculate the total user payment amount based on the user payment record;

[0068] S103, compare the total user payment amount with the settlement standard amount to obtain the settlement amount difference, and determine whether the settlement amount difference is zero;

[0069] S104, if the settlement amount difference is zero, pay the amount equal to the total user payment amount to the service provider, and send the expense details and settlement notice to the user;

[0070] S105, if the settlement amount difference is not zero, generate a payment exception report, and analyze the payment exception record based on the payment exception report.

[0071] It should be noted that by analyzing the parameter information of purchased goods to obtain the settlement standard amount, during the analysis of the user's payment records, the user's payment records are compared with the settlement standard amount, so as to accurately analyze the reconciliation result, settle the payment records with successful reconciliation, and at the same time analyze the reasons for the anomalies of the payment records with abnormal reconciliation to improve the security of financial payments.

[0072] Please refer to Figure 2 , Figure 2 is a flowchart of a method for analyzing the settlement standard amount of an automatic expense reconciliation and settlement method in some embodiments of the present application. According to an embodiment of the present invention, the parameter information of purchased goods is obtained, and the total purchase amount is calculated based on the parameter information of the purchased goods to obtain the settlement standard amount, specifically including:

[0073] S201, obtain the parameter information of the purchased goods, where the parameter information of the purchased goods includes the purchase time of the goods, the quantity of the purchased goods, and the type of the purchased goods;

[0074] S202, obtain the commodity pricing rule matching the type of the purchased goods, and analyze the unit price information of the purchased goods based on the commodity pricing rule;

[0075] S203, calculate the amount of the purchased goods based on the quantity of the purchased goods and the unit price information of the purchased goods;

[0076] S204, obtain the discount agreement information of the purchased goods, and calculate the discount amount for the amount of the purchased goods based on the discount agreement information of the purchased goods;

[0077] S205, calculate the difference between the amount of the purchased goods and the discount amount to obtain the settlement standard amount.

[0078] It should be noted that relying on the standardized API interface under the enterprise-level information system architecture, with a high-concurrency and low-latency data transmission mode, the full-amount parameter data of the purchased goods is accurately collected and synchronized in real time. Subsequently, according to the financial accounting rules jointly formulated by the financial management department and the pricing strategy team, which comply with international accounting standards and industry-wide pricing models, with the help of a professional calculation engine with powerful numerical calculation capabilities, using industry-leading algorithms such as multiple linear regression pricing algorithms and cost-plus pricing algorithms, under a strict error control and data verification mechanism, the total amount of the purchased goods is calculated meticulously and accurately, and then based on this as the core basis, the final settlement standard amount is determined.

[0079] Please refer to Figure 3 , Figure 3It is a flowchart of a method for analyzing the total payment amount of users in a method for automatic reconciliation and settlement of expenses in some embodiments of the present application. According to an embodiment of the present invention, user payment records are obtained, and the total payment amount of users is calculated based on the user payment records. Specifically, it includes:

[0080] S301, obtain each payment record of the user based on the encrypted privacy protection mechanism algorithm, match each payment record with the purchase record, and obtain the user payment records that match the purchase commodity parameter information;

[0081] S302, obtain the payment result of the user payment record, and determine whether the payment result of the user payment record is successful;

[0082] S303, if successful, save the current user payment record to the payment set, and perform an addition calculation based on all the user payment records in the payment set to obtain the total payment amount of the user;

[0083] S304, if not successful, generate the reason for the user payment exception, and check the payment account and the collection account based on the reason for the user payment exception.

[0084] It should be noted that by analyzing the payment result of the user payment record, it is analyzed whether the payment master is successful, so as to accurately analyze the reason for the user payment exception and the payment exception record.

[0085] According to an embodiment of the present invention, the total payment amount of the user is compared with the settlement standard amount to obtain the settlement amount difference. Specifically, it includes:

[0086] Obtain the total payment amount of the user, analyze the user payment status information, and analyze the user payment time and the user's single payment amount based on the user payment status information;

[0087] Based on the user's single payment amount, perform an accounting to obtain an accounting result;

[0088] Analyze the single settlement amount based on the settlement standard amount;

[0089] Based on the accounting result, analyze whether the total payment amount of the user is correct;

[0090] If it is correct, based on the parallel computing framework, synchronously compare several single payment amounts of the user within the total payment amount of the user with the single settlement amount to obtain the single settlement difference, and calculate the settlement amount difference based on the single settlement difference;

[0091] If it is incorrect, adjust the value of the total payment amount of the user.

[0092] It should be noted that by invoking the settled standard amount data calculated in the system and using a numerical calculation library based on the efficient parallel computing framework CUDA, the total amount paid by the user is accurately compared with the settled standard amount. By writing a dedicated comparison algorithm and performing a fast subtraction operation on the two amount values directly in memory in an efficient way of bit operation, the settlement amount difference is obtained. During the entire comparison and calculation process, by establishing a blockchain-based timestamp service, an immutable record of each calculation result is made to ensure the traceability of the data. At the same time, using a verification protocol based on zero-knowledge proof, without disclosing the specific amount values, the correctness of the settlement amount difference calculation is verified to relevant regulatory authorities or authorized third parties, ensuring the security and compliance of the data. The finally obtained settlement amount difference will serve as the key data basis for subsequent financial processing, refund or supplementary payment processes, providing strong support for the enterprise's financial decision-making and user services.

[0093] According to the embodiments of the present invention, payments with the same total amount paid by the user are made to the service provider, and a cost breakdown and settlement notice are sent to the user, specifically including:

[0094] Obtain the total amount paid by the user, and based on the purchased commodity parameter information, split the total amount paid by the user into single-payment amounts to obtain a number of payment records;

[0095] Encrypt a number of payment records based on the financial data security framework to obtain ciphertext data;

[0096] Generate a cost breakdown based on the ciphertext data, send the cost breakdown to the user, and obtain the sending status information;

[0097] Analyze whether the cost breakdown is sent successfully based on the sending status information;

[0098] If the sending is successful, a settlement notice is obtained;

[0099] If the sending is not successful, it is determined that the user's receiving account is abnormal.

[0100] It should be noted that by analyzing the payment records and encrypting the payment records, the payment records are sent to the user safely and efficiently, and the sending status information is analyzed in real time to accurately analyze whether the user has received the payment records, improving the monitoring accuracy.

[0101] According to the embodiments of the present invention, analyze the payment exception records based on the payment exception report, specifically including:

[0102] Obtain the payment exception report, and extract the key information in the exception report based on the payment exception report,

[0103] Analyze the payment time, user identification, and payment amount based on the key information in the exception report to obtain the exception occurrence time, exception user identification, and exception payment amount;

[0104] Based on the exception occurrence time, involved user identification, and payment amount, obtain the exception payment type;

[0105] Analyze the number of abnormal payments and the single - payment information of abnormal payments based on the abnormal payment type to obtain payment exception records.

[0106] It should be noted that when a payment exception occurs, the system will generate a payment exception report. Analyze the payment exception records based on this report. First, use information extraction technology based on natural language processing (NLP), combined with the named - entity recognition (NER) algorithm, to extract key information from semi - structured or unstructured exception report texts, such as the exception occurrence time, involved user identification, payment amount, exception type (such as payment failure, duplicate payment, inconsistent amount, etc.). At the same time, with the help of optical character recognition (OCR) technology based on deep learning, perform text extraction and parsing on pictures, scanned documents, etc. in the report to ensure that no key information is missed.

[0107] According to the embodiments of the present invention, it further includes: analyzing abnormal payment data based on user payment record information;

[0108] Analyze the payment time node of abnormal payments based on the abnormal payment data;

[0109] Analyze whether the payment time reaches 24 hours based on the payment time node of abnormal payments;

[0110] If it reaches 24 hours, feedback it to the bank for processing;

[0111] If it does not reach 24 hours, withdraw the abnormal payment record.

[0112] It should be noted that by analyzing the time of abnormal payments and analyzing whether it meets the withdrawal requirements according to the time of abnormal payments, the abnormal payment records are withdrawn, and the payment records that do not meet the requirements are fed back for processing.

[0113] In a second aspect, the embodiments of the present application provide an automatic expense reconciliation and settlement system, which includes: a memory and a processor. The memory includes a program for the automatic expense reconciliation and settlement method. When the program for the automatic expense reconciliation and settlement method is executed by the processor, the following steps are implemented:

[0114] Obtain the purchase commodity parameter information, calculate the total purchase amount based on the purchase commodity parameter information to obtain the settlement standard amount;

[0115] Obtain the user payment record, and calculate the total user payment amount based on the user payment record;

[0116] Compare the total amount paid by the user with the settlement standard amount to obtain the settlement amount difference, and determine whether the settlement amount difference is zero;

[0117] If the settlement amount difference is zero, pay the amount equal to the total amount paid by the user to the service provider, and send the expense details and settlement notice to the user;

[0118] If the settlement amount difference is not zero, generate a payment exception report and analyze the payment exception records based on the payment exception report.

[0119] It should be noted that the settlement standard amount is obtained by analyzing the purchase commodity parameter information. During the analysis process of the user's payment records, the user's payment records are compared with the settlement standard amount, so as to accurately analyze the reconciliation result, settle the payment records with successful reconciliation, and at the same time analyze the reasons for the exceptions of the payment records with abnormal reconciliation, improving the security of financial payments.

[0120] According to the embodiments of the present invention, obtain the purchase commodity parameter information, calculate the total purchase amount based on the purchase commodity parameter information, and obtain the settlement standard amount, specifically including:

[0121] Obtain the purchase commodity parameter information, where the purchase commodity parameter information includes the purchase commodity time, the purchase commodity quantity, and the purchase commodity type;

[0122] Obtain the commodity pricing rule matching the purchase commodity type, and analyze the unit price information of the purchase commodity based on the commodity pricing rule;

[0123] Calculate the purchase commodity amount based on the purchase commodity quantity and the unit price information of the purchase commodity;

[0124] Obtain the purchase commodity discount agreement information, and perform a discount calculation on the purchase commodity amount based on the purchase commodity discount agreement information to obtain the discount amount;

[0125] Perform a difference calculation based on the purchase commodity amount and the discount amount to obtain the settlement standard amount.

[0126] It should be noted that relying on the standardized API interface under the enterprise-level information system architecture, with a high-concurrency and low-latency data transmission mode, accurately collect and real-time synchronize the full amount of parameter data of the purchased commodities. Subsequently, according to the financial accounting rules jointly formulated by the financial management department and the pricing strategy team, which comply with international accounting standards and industry-wide pricing models, with the help of a professional computing engine with powerful numerical computing capabilities, using industry-leading algorithms such as multiple linear regression pricing algorithms and cost-plus pricing algorithms, under strict error control and data verification mechanisms, carefully and accurately calculate the total amount of the purchased commodities, and then use this as the core basis to determine the final settlement standard amount.

[0127] According to an embodiment of the present invention, obtain the user's payment records, and calculate the total user payment amount based on the user's payment records, specifically including:

[0128] Obtain each payment record of the user based on the encryption privacy protection mechanism algorithm, match each payment record with the purchase record, and obtain the user payment records that match the purchase commodity parameter information;

[0129] Obtain the payment result of the user payment record, and judge whether the payment result of the user payment record is successful;

[0130] If it is successful, save the current user payment record to the payment set, and perform an addition calculation based on all the user payment records in the payment set to obtain the total user payment amount;

[0131] If it is not successful, generate the reason for the user payment exception, and check the payment account and the collection account based on the reason for the user payment exception.

[0132] It should be noted that by analyzing the payment result of the user payment record, analyzing whether the payment master is successful, so as to accurately analyze the reason for the user payment exception and the payment exception record.

[0133] According to an embodiment of the present invention, compare the total user payment amount with the settlement standard amount to obtain the settlement amount difference, specifically including:

[0134] Obtain the total user payment amount, analyze the user payment status information, and analyze the user payment time and the user's single payment amount based on the user payment status information;

[0135] Conduct an accounting based on the user's single payment amount to obtain an accounting result;

[0136] Analyze the single settlement amount based on the settlement standard amount;

[0137] Analyze whether the total user payment amount is correct based on the accounting result;

[0138] If it is correct, then based on the parallel computing framework, compare several user single payment amounts within the total user payment amount with the single settlement amount synchronously to obtain the single settlement difference, and calculate the settlement amount difference based on the single settlement difference;

[0139] If it is incorrect, adjust the value of the total user payment amount.

[0140] It should be noted that by invoking the settlement standard amount data that has been calculated in the system and using a numerical calculation library based on the efficient parallel computing framework CUDA, the total amount paid by the user is accurately compared with the settlement standard amount. By writing a dedicated comparison algorithm and using the efficient method of bitwise operation, a fast subtraction operation is directly performed on the two amount values in memory to obtain the settlement amount difference. During the entire comparison and calculation process, by establishing a blockchain-based timestamp service, an immutable record of each calculation result is made to ensure the traceability of the data. At the same time, using a verification protocol based on zero-knowledge proof, without disclosing the specific amount values, the correctness of the settlement amount difference calculation is verified to relevant regulatory authorities or authorized third parties, ensuring the security and compliance of the data. The finally obtained settlement amount difference will serve as the key data basis for subsequent financial processing, refund, or make-up payment processes, providing strong support for the enterprise's financial decision-making and user services.

[0141] According to an embodiment of the present invention, payments with the same total amount paid by the user are made to the service provider, and a fee breakdown and a settlement notice are sent to the user, specifically including:

[0142] Obtain the total amount paid by the user, and based on the purchased commodity parameter information, split the total amount paid by the user into single-payment amounts to obtain a number of payment records;

[0143] Encrypt a number of payment records based on the financial data security framework to obtain ciphertext data;

[0144] Generate a fee breakdown based on the ciphertext data, send the fee breakdown to the user, and obtain the sending status information;

[0145] Analyze whether the fee breakdown is successfully sent based on the sending status information;

[0146] If the sending is successful, a settlement notice is obtained;

[0147] If the sending is not successful, it is determined that the user's receiving account is abnormal.

[0148] It should be noted that by analyzing the payment records and encrypting the payment records, the payment records are securely and efficiently sent to the user, and the sending status information is analyzed in real time to accurately analyze whether the user has received the payment records, improving the monitoring accuracy.

[0149] According to an embodiment of the present invention, analyze payment exception records based on a payment exception report, specifically including:

[0150] Obtain the payment exception report, and extract the key information in the exception report based on the payment exception report,

[0151] Analyze the payment time, user identification, and payment amount based on the key information in the exception report to obtain the exception occurrence time, exception user identification, and exception payment amount;

[0152] Based on the exception occurrence time, involved user identification, and payment amount, obtain the exception payment type;

[0153] Analyze the number of exception payments and the single - payment information of the exception payment based on the exception payment type to obtain the payment exception record.

[0154] It should be noted that when a payment exception occurs, the system will generate a payment exception report. Based on this report, analyze the payment exception record. First, use the information extraction technology based on natural language processing (NLP), combined with the named entity recognition (NER) algorithm, to extract key information from semi - structured or unstructured exception report texts, such as the exception occurrence time, involved user identification, payment amount, exception type (such as payment failure, duplicate payment, inconsistent amount, etc.). At the same time, with the help of the optical character recognition (OCR) technology based on deep learning, perform text extraction and parsing on pictures, scanned documents, etc. in the report to ensure that no key information is missed.

[0155] According to the embodiment of the present invention, it further includes: analyzing the exception payment data based on the user payment record information;

[0156] Based on the exception payment data, analyze the payment time node of the exception payment;

[0157] Based on the payment time node of the exception payment, analyze whether the payment time reaches 24 hours;

[0158] If it reaches 24 hours, feedback it to the bank for processing;

[0159] If it does not reach 24 hours, withdraw the exception payment record.

[0160] It should be noted that by analyzing the time of the exception payment and analyzing whether it meets the withdrawal requirements according to the time of the exception payment, the exception payment record is withdrawn, and the payment records that do not meet the requirements are fed back for processing.

[0161] The third aspect of the present invention provides a computer - readable storage medium, which includes a program for the automatic reconciliation and settlement method of expenses. When the program for the automatic reconciliation and settlement method of expenses is executed by a processor, it realizes the steps of the automatic reconciliation and settlement method of expenses as described in any one of the above.

[0162] A method, system and medium for automatic reconciliation and settlement of expenses disclosed by the present invention calculate the total purchase amount based on the obtained purchase commodity parameter information to obtain the settlement standard amount; obtain the user payment record and calculate the total user payment amount based on the user payment record; compare the total user payment amount with the settlement standard amount to obtain the settlement amount difference, and determine whether the settlement amount difference is zero; if the settlement amount difference is zero, pay the amount equal to the total user payment amount to the service provider and send the expense details and settlement notice to the user; if the settlement amount difference is not zero, generate a payment exception report and analyze the payment exception record based on the payment exception report; by analyzing whether the user payment record matches the settlement standard amount, the settlement amount is determined, and after confirming that the expenses are correct, the settlement operation is automatically completed, the amount is settled to the corresponding service provider and the expense details and settlement notice are sent to the user, ensuring that the entire expense settlement process is transparent, accurate and efficient, and improving the financial operation efficiency and user experience.

[0163] In several embodiments provided by the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. The device embodiments described above are only illustrative. For example, the division of units is only a logical function division. In actual implementation, there may be other division methods. For example, multiple units or components can be combined, or can be integrated into another system, or some features can be ignored or not executed. In addition, the coupling, direct coupling, or communication connection between the various components shown or discussed can be through some interfaces. The indirect coupling or communication connection of devices or units can be electrical, mechanical or other forms.

[0164] The units described as separate components above may or may not be physically separated. The components shown as units may or may not be physical units; they can be located in one place or distributed to multiple network units; some or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0165] In addition, in each embodiment of the present invention, each functional unit can be all integrated in one processing unit, or each unit can be separately used as a unit, or two or more units can be integrated in one unit; the above integrated unit can be implemented in the form of hardware, or in the form of a combination of hardware and software functional units.

[0166] Those of ordinary skill in the art can understand that all or part of the steps of implementing the above method embodiments can be completed by hardware related to program instructions. The foregoing program can be stored in a readable storage medium. When the program is executed, it performs the steps including those of the above method embodiments. The foregoing storage medium includes various media that can store program codes, such as removable storage devices, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical discs.

[0167] Alternatively, if the above integrated unit of the present invention is implemented in the form of a software functional module and sold or used as an independent product, it can also be stored in a readable storage medium. Based on such an understanding, the technical solution of the embodiments of the present invention, in essence or the part that contributes to the prior art, can be embodied in the form of a software product. The software product is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the methods described in the various embodiments of the present invention. The foregoing storage medium includes various media that can store program codes, such as removable storage devices, ROM, RAM, magnetic disks, or optical discs.

Claims

1. An automatic reconciliation and settlement method for expenses, characterized in that, Including: Obtain the parameter information of the purchased goods, calculate the total purchase amount based on the parameter information of the purchased goods, and obtain the settlement standard amount; Obtain the user's payment records, and calculate the total user payment amount based on the user's payment records; Compare the total user payment amount with the settlement standard amount to obtain the settlement amount difference, and determine whether the settlement amount difference is zero; If the settlement amount difference is zero, pay the amount equal to the total user payment amount to the service provider, and send the expense details and settlement notice to the user; If the settlement amount difference is not zero, generate a payment exception report and analyze the payment exception records based on the payment exception report.

2. The method for automatic reconciliation and settlement of fees according to claim 1, wherein Obtain the parameter information of the purchased goods, calculate the total purchase amount based on the parameter information of the purchased goods, and obtain the settlement standard amount, specifically including: Obtain the parameter information of the purchased goods, where the parameter information of the purchased goods includes the purchase time of the goods, the quantity of the purchased goods, and the type of the purchased goods; Obtain the commodity pricing rules matching the type of the purchased goods, and analyze the unit price information of the purchased goods based on the commodity pricing rules; Calculate the amount of the purchased goods based on the quantity of the purchased goods and the unit price information of the purchased goods; Obtain the discount agreement information of the purchased goods, and perform a discount calculation on the amount of the purchased goods based on the discount agreement information of the purchased goods to obtain the discount amount; Perform a difference calculation based on the amount of the purchased goods and the discount amount to obtain the settlement standard amount.

3. The automatic reconciliation and settlement method of expenses according to claim 2, characterized in that, Obtain the user's payment records, and calculate the total user payment amount based on the user's payment records, specifically including: Obtain each payment record of the user based on the encryption privacy protection mechanism algorithm, match each payment record with the purchase record, and obtain the user payment record matching the parameter information of the purchased goods; Obtain the payment result of the user payment record, and determine whether the payment result of the user payment record is successful; If successful, save the current user payment record to the payment set, and perform an addition calculation based on all the user payment records in the payment set to obtain the total user payment amount; If not successful, generate the reason for the user payment exception, and check the payment account and the collection account based on the reason for the user payment exception.

4. The automatic reconciliation and settlement method of fees according to claim 3, wherein Compare the total user payment amount with the settlement standard amount to obtain the settlement amount difference, specifically including: Obtain the total user payment amount, analyze the user payment status information, and analyze the user payment time and the user's single payment amount based on the user payment status information; Perform an accounting calculation based on the user's single payment amount to obtain the accounting result; Analyze the single settlement amount based on the settlement standard amount; Analyze whether the total user payment amount is correct based on the accounting result; If correct, based on the parallel computing framework, compare several user single payment amounts within the total user payment amount with the single settlement amount synchronously to obtain the single settlement difference, and calculate the settlement amount difference based on the single settlement difference; If incorrect, adjust the value of the total user payment amount.

5. The automatic reconciliation and settlement method of fees according to claim 4, wherein Pay the amount equal to the total user payment amount to the service provider, and send the expense details and settlement notice to the user, specifically including: Obtain the total user payment amount, and split the total user payment amount into single payment amounts based on the parameter information of the purchased goods to obtain several payment records; Perform encryption processing on several payment records based on the financial data security framework to obtain ciphertext data; Generate expense details based on ciphertext data, send the expense details to the user, and obtain the sending status information; Analyze whether the expense details are sent successfully based on the sending status information; If the sending is successful, obtain the settlement notice; If the sending is not successful, determine that the user's collection account is abnormal.

6. The automatic reconciliation and settlement method of fees according to claim 5, characterized in that, Analyze the payment exception records based on the payment exception report, specifically including: Obtain the payment exception report, extract the key information in the exception report based on the payment exception report, Analyze the payment time, user identification, and payment amount based on the key information in the exception report to obtain the exception occurrence time, abnormal user identification, and abnormal payment amount; Obtain the abnormal payment type based on the exception occurrence time, involved user identification, and payment amount; Analyze the number of abnormal payment transactions and the single - payment information of each abnormal payment based on the abnormal payment type to obtain the payment exception records.

7. An automatic expense reconciliation and settlement system, characterized in that, The system includes: a memory and a processor. The memory includes a program for the automatic reconciliation and settlement method of expenses. When the program for the automatic reconciliation and settlement method of expenses is executed by the processor, the following steps are implemented: Obtain the purchase commodity parameter information, calculate the total purchase amount based on the purchase commodity parameter information to obtain the settlement standard amount; Obtain the user's payment records, and calculate the total user payment amount based on the user's payment records; Compare the total user payment amount with the settlement standard amount to obtain the settlement amount difference, and determine whether the settlement amount difference is zero; If the settlement amount difference is zero, pay the amount equal to the total user payment amount to the service provider, and send the expense details and settlement notice to the user; If the settlement amount difference is not zero, generate a payment exception report and analyze the payment exception records based on the payment exception report.

8. The automatic expense reconciliation and settlement system according to claim 7, wherein Obtain the purchase commodity parameter information, calculate the total purchase amount based on the purchase commodity parameter information to obtain the settlement standard amount, specifically including: Obtain the purchase commodity parameter information, where the purchase commodity parameter information includes the purchase commodity time, purchase commodity quantity, and purchase commodity type; Obtain the commodity pricing rules matching the purchase commodity type, and analyze the unit price information of the purchase commodity based on the commodity pricing rules; Calculate the purchase commodity amount based on the purchase commodity quantity and the unit price information of the purchase commodity; Obtain the purchase commodity discount agreement information, and perform a discount calculation on the purchase commodity amount based on the purchase commodity discount agreement information to obtain the discount amount; Perform a difference calculation based on the purchase commodity amount and the discount amount to obtain the settlement standard amount.

9. The automatic reconciliation and settlement system for expenses according to claim 8, characterized in that Obtain the user's payment records, and calculate the total user payment amount based on the user's payment records, specifically including: Obtain each user payment record based on the encryption privacy protection mechanism algorithm, match each payment record with the purchase record to obtain the user payment records matching the purchase commodity parameter information; Obtain the payment result of the user payment record, and determine whether the payment result of the user payment record is successful; If it is successful, save the current user payment record to the payment set, and perform an addition calculation based on all the user payment records in the payment set to obtain the total user payment amount; If it is not successful, generate the reason for the user payment exception, and check the payment account and the collection account based on the reason for the user payment exception.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a program for the automatic reconciliation and settlement of expenses. When the program for the automatic reconciliation and settlement of expenses is executed by a processor, the steps of the method for the automatic reconciliation and settlement of expenses according to any one of claims 1 to 6 are implemented.

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