Building project staged payment method and device for mobile terminal

Abstract

The invention discloses a construction project staged payment method and device for a mobile terminal. The method comprises the steps that a field manager, a unit manager or a financial manager calls a payment application through the mobile terminal; the payment application performs semantic analysis on the cause, generates a plurality of preset keywords corresponding to the cause, and determines the compliance of the operation based on the keywords and the authority of the field manager; the payment application matches keywords corresponding to the time, the total payment amount, the account number of each payee, the to-be-collected amount and the reason with a project contract of the construction project and generates a payment instruction; the signed payment instruction is sent to a plurality of approvers, each approver signs the signed payment instruction, and a final payment instruction is generated based on the signed payment instructions of all the approvers; and performing payment based on the final payment instruction. According to the method, the payment requirements of site managers, unit responsible persons, financial responsible persons and the like which are inconvenient to perform webpage operation are met, and the risk is reduced.

Description

Technical Field

[0001] The present invention relates to the technical field of mobile payment, and particularly relates to a method and device for stage payment of construction projects for mobile terminals. Background Art

[0002] Due to the long duration and numerous construction units of construction projects, a construction project often has multiple project stages, each project stage has one or more payees, and different project stages have different payees. During a certain project stage of a construction project or at the end of a certain project stage, there are application scenarios for paying fees to different payees.

[0003] Construction projects often involve huge amounts of funds, and there are deviations between the project construction process and the project plan. Therefore, project site managers often need to make payments through mobile terminals. The payment methods of the prior art only support direct connection payments by site managers on the web page, which cannot meet the real-time transaction needs of site managers, affect the user experience, and have low work efficiency. Summary of the Invention

[0004] In view of this, the present invention provides a method and device for stage payment of construction projects for mobile terminals, which can solve technical problems such as identifying potential risks of suppliers in the supply chain and preventing and controlling risks of construction projects.

[0005] To solve the above technical problems, the present invention is implemented as follows.

[0006] A method for stage payment of construction projects for mobile terminals includes:

[0007] Step S1: The site manager calls a payment application through a mobile terminal. The payment application obtains the reason, time, total payment amount, accounts and amounts to be received of each payee, and the site manager's permissions input by the site manager; the sum of the amounts to be received of each payee is equal to the total payment amount;

[0008] Step S2: The payment application performs semantic analysis on the reason, generates several preset keywords corresponding to the reason, and determines the compliance of the site manager's operation based on the keywords and the site manager's permissions; if it is not compliant, an early warning message is generated and the method ends; otherwise, it enters step S3;

[0009] Step S3: The payment application matches the time, total payment amount, accounts and amounts to be received of each payee, and the keywords corresponding to the reason with the project contract of the construction project; if they do not match, an early warning message is generated and the method ends; otherwise, a payment instruction is generated based on the time, total payment amount, accounts and amounts to be received of each payee;

[0010] Step S4: The on-site manager signs the payment instruction and sends the signed payment instruction to multiple approvers. Each approver signs the signed payment instruction, and a final payment instruction is generated based on the signed payment instructions of all approvers; payment is made based on the final payment instruction.

[0011] Preferably, when the stage payment opportunity of the construction project arrives, the on-site manager calls the payment application through the mobile terminal; a construction project has multiple stage payment opportunities and multiple project stages. The stage payment opportunities include the completion of deep foundation pit support, the topping out of the underground structure, the completion of the main construction, the completion of the secondary structure, and the completion of the acceptance inspection; the suppliers include suppliers of different natures, different scales, and different categories. Among them, the suppliers of different categories include labor subcontractors, professional subcontractors, material suppliers, and machinery leasing suppliers, and the suppliers of different scales include large suppliers, medium suppliers, and small suppliers.

[0012] Preferably, after the final payment instruction is generated, the payment application converts the format and communication protocol of the final payment instruction based on the interface of the front-end machine of the financial institution to which the payment account belongs, so that the converted final payment instruction can be parsed and processed by the system of the financial institution.

[0013] Preferably, the on-site manager signs the payment instruction through the bank shield; the approver signs based on the key assigned to the construction project.

[0014] Preferably, after the on-site manager successfully makes a payment using the final payment instruction, the payment application updates the execution status of the final payment instruction to avoid duplicate payments by the on-site manager.

[0015] Preferably, the warning information is analyzed, the number of times of non-matching of the payee is counted, and the payees whose number of non-matching exceeds the preset threshold are entered into the blacklist.

[0016] Preferably, the payment application stores the non-compliance matters of the on-site manager's operations and also stores the detailed information that does not match the project contract of the construction project.

[0017] A device for stage payment of a construction project for a mobile terminal, comprising:

[0018] Initial module: Configured to enable the on-site manager to call the payment application through the mobile terminal. The payment application obtains the reasons, time, total payment amount, account numbers of each payee and the amount to be received, and the authority of the on-site manager for the stage payment; the sum of the amounts to be received by each payee is equal to the total payment amount;

[0019] Compliance judgment module: Configured to enable the payment application to perform semantic analysis on the matter, generate a number of preset keywords corresponding to the matter, and determine the compliance of the on-site manager's operations based on the keywords and the on-site manager's permissions; if non-compliant, generate a warning message and end the method; otherwise, trigger the payment instruction generation module;

[0020] Payment instruction generation module: Configured to enable the payment application to match the time, total payment amount, the accounts and amounts to be received of each payee, and the keywords corresponding to the matter with the project contract of the construction project; if not matching, generate a warning message and end the method; otherwise, generate a payment instruction based on the time, total payment amount, the accounts and amounts to be received of each payee;

[0021] Payment module: Configured to enable the on-site manager to sign the payment instruction, send the signed payment instruction to multiple approvers, each approver signs the signed payment instruction, and generate a final payment instruction based on the signed payment instructions of all approvers; make a payment based on the final payment instruction.

[0022] A computer-readable storage medium provided by the present invention, wherein multiple instructions are stored in the storage medium; the multiple instructions are used to be loaded and executed by a processor to perform the method as described above.

[0023] An electronic device provided by the present invention, characterized in that the electronic device includes:

[0024] A processor for executing multiple instructions;

[0025] A memory for storing multiple instructions;

[0026] Wherein, the multiple instructions are used to be stored by the memory and loaded and executed by the processor to perform the method as described above.

[0027] Advantageous effects:

[0028] (1) The present invention is applicable to the on-site manager to pay the stage payment of the construction project to the payee in real time, meets the payment needs of the on-site manager who is inconvenient to perform web operations, and provides a solution for mobile payment in the affiliated payment scenario.

[0029] (2) The present invention takes into account payment risks, generates a payment instruction corresponding to the on-site manager's permissions according to the on-site manager's permissions, and performs multi-party authentication on the generated payment instruction, which is convenient for reducing payment risks.

[0030] (3) The present invention has a simple interface, and the system architecture built based on the OSP development platform has good scalability and maintainability, which is convenient for subsequent function expansion and system upgrade.

[0031] (4) Through sensitive word checking, the present invention can identify and intercept non-compliant payments, thereby preventing the execution of non-compliant payments.

[0032] (5) The present invention realizes payment warning and interception, which can further reduce payment risks. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] Figure 1 It is a schematic flow chart of the method for stage payment of construction projects for the mobile terminal of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0034] The present invention will be described in detail below with reference to the drawings and embodiments.

[0035] As Figure 1 shown, the present invention provides a method for stage payment of construction projects for the mobile terminal, and the method includes:

[0036] Step S1: The site manager calls the payment application through the mobile terminal. The payment application obtains the reason, time, total payment amount, the accounts and the amounts to be received of each payee, and the permissions of the site manager input by the site manager; the sum of the amounts to be received of each payee is equal to the total payment amount;

[0037] Step S2: The payment application performs semantic analysis on the reason, generates a number of preset keywords corresponding to the reason, and determines the compliance of the operation of the site manager based on the keywords and the permissions of the site manager; if it is non-compliant, a warning message is generated and the method ends; otherwise, it enters Step S3;

[0038] Step S3: The payment application matches the time, the total payment amount, the accounts and the amounts to be received of each payee, and the keywords corresponding to the reason with the project contract of the construction project; if they do not match, a warning message is generated and the method ends; otherwise, a payment instruction is generated based on the time, the total payment amount, the accounts and the amounts to be received of each payee, and it enters Step S4;

[0039] Step S4: The site manager signs the payment instruction, sends the signed payment instruction to multiple approvers, each approver signs the signed payment instruction, and a final payment instruction is generated based on the signed payment instructions of all approvers; payment is made based on the final payment instruction.

[0040] When the phased payment opportunity of a construction project arrives, the site manager calls the payment application through the mobile device; a construction project has multiple phased payment opportunities and multiple project phases, and the phased payment opportunities include the completion of deep foundation pit support, the topping out of the underground structure, the completion of the main construction, the completion of the secondary structure, and the completion of the acceptance inspection; the suppliers include suppliers of different natures, different scales, and different categories. Among them, the suppliers of different categories include labor subcontractors, professional subcontractors, material suppliers, and machinery rental suppliers, and the suppliers of different scales include large suppliers, medium suppliers, and small suppliers. The payment application integrates multiple payment methods and is associated with the contract system, the reimbursement system, and the budget system. Before payment, it intelligently reminds to prevent overdue according to different personnel responsibilities. After payment, the financial personnel obtain the transaction records for accounting, the site manager checks the details to follow up the funds, the unit responsible person masters the progress through the visualization port, and when the payment fails, the system clarifies the reasons and all parties cooperate to handle it to ensure the safety of funds and improve the payment efficiency and management accuracy.

[0041] The final payment instruction contains the account information of each payee and supports concurrent transfers to each payee.

[0042] After generating the final payment instruction, the payment application converts the format and communication protocol of the final payment instruction based on the interface of the front-end machine of the financial institution to which the payment account belongs, so that the converted final payment instruction can be parsed and processed by the system of the financial institution.

[0043] The site manager signs the payment instruction through the bank shield; the approver signs based on the key assigned to the construction project.

[0044] After the site manager successfully makes a payment using the final payment instruction, the payment application updates the execution status of the final payment instruction to prevent the site manager from making duplicate payments.

[0045] Analyze the warning information, count the number of times the payee does not match, and record the payees whose number of non-matching times exceeds the preset threshold in the blacklist.

[0046] The payment application stores the non-compliance matters of the operations of the site manager and also stores the detailed information that does not match the project contract of the construction project.

[0047] The payment application provides an extended interface to facilitate the extension and upgrade of subsequent functions.

[0048] Furthermore, generate a payment instruction based on this time, the total payment amount, the accounts of each payee and the amount to be received, the bill number, and the settlement number information.

[0049] In the present invention, the execution of payment instructions is transplanted into the mobile terminal, enabling users to use it on their mobile phones anytime and anywhere. Users can conduct transactions in real time, which is very convenient. The mobile terminal is more convenient, user-friendly, and intuitive than the web terminal. By optimizing the interface of the mobile terminal, the user experience is enhanced. It is possible to jointly query and enter detailed information, display data joint queries at the row level, and achieve filtering searches and deeper data mining displays. Through keyword checks, non-compliant matters can be identified and intercepted, thereby preventing the execution of these payment instructions and protecting the security of funds. And keyword checks usually adopt automated and real-time processing methods to ensure the smoothness and efficiency of the payment process. For users who make repeated payments for the same payment instruction, a repeated payment check function is set. After the user's first payment is successful, the instruction status of the instruction is updated. When the user makes a second payment, the instruction status is verified to avoid repeated payments. Through the front-end machine of bank direct connection, the mutual conversion of data formats and languages between different communication protocols is completed to ensure that mobile payment instructions can be correctly parsed and processed by the bank system. The bank can also strictly control and review the access requests of enterprises or users to prevent illegal access and data leakage. Users need to use a bank shield for signature operations to prove the authenticity and legality of payment instructions. Through the identity authentication and authorization mechanism of the bank shield, fraud and phishing attacks can be effectively prevented, increasing users' trust in the payment system. Once suspicious operations are detected, the payment application will immediately trigger an early warning mechanism to generate early warning information, thereby effectively preventing the occurrence of fraud. By recording and analyzing the historical data of fraud behavior, it is possible to identify and mark payees with fraud risks, intercept or restrict them, and prevent fraud behavior.

[0050] The present invention relies on the OSP development platform, supporting users to click buttons such as "New", "Delete", "Save", "Signature Verification", and "General Search" to perform operations such as adding and verifying configurations. Users enabling mobile payment need to set up in the configuration function and verify that the signature passes.

[0051] The present invention also provides a signature verification operation. For the data successfully saved, the signature verification operation uses the combined information of the user number, current date, and current time as the original text to call the encryption machine for signature encryption operations. After successful signature, the current operating user is verified through the SVR (Service Verification and Registration) service defined by the OSP platform. After the signature verification passes, the field indicating whether the current configuration is effective is updated to "Yes", and at the same time, the effective date, effective time, verification original text, and verification ciphertext fields are updated.

[0052] The present invention constructs an intuitive and detailed display page for the instruction data list, filtering payment instructions according to the system's "payment + instruction sending permission" through the SVR service defined by the OSP platform and organizing the data in the background.

[0053] The data window displays the instruction type, instruction status, generation date, amount, payee, bill number, and settlement order number information from top to bottom in sequence, and returns the information in the form of a list to the foreground. The OSP foreground display interface shows the information. It is also possible to switch different instruction statuses to query the information in the corresponding status.

[0054] The SVR service background defined by the OSP platform is used to organize data, including: instruction status, executed, system execution, generation date, generation time, reservation or not, reservation date, reservation time, reservation effective, execution date, execution time, instruction sender, instruction status, instruction status description, amount, receiving account, account name, opening institution name, paying unit, payment item, applying payment unit, applying payment item, payment account, account name (payment), opening institution name (payment), currency, abstract, instruction serial number, bank synchronization status code, bank return information, return result reference information, form filler, document type, bill number, settlement order number information, etc.

[0055] The payment application provides selection functions, such as:

[0056] Select by time: Use the date help selection component of the OSP platform for users to customize the screening of the "generation date";

[0057] Select by amount: Use the text input component of the OSP platform for users to screen the "amount" field;

[0058] Select by business: Use the drop-down mask component of the OSP platform. The mask includes bank account payment (including fund transfer form), fund transfer, fund upward transfer, fund downward transfer, bank account private payment, for users to screen the "instruction type".

[0059] The OSP platform architecture of the present invention provides rich and diverse display effects and flexibility at the front end. The integration solution of the OSP platform and the Oracle database and the data interaction protocol of the SVR service ensure the accuracy and efficiency of data exchange between systems. The ORACLE efficient query algorithm and index strategy: the SQL query algorithm and optimized index strategy for realizing fast and accurate data retrieval.

[0060] The present invention also provides a phased payment device for a construction project for a mobile terminal, and the device includes:

[0061] Initial module: Configured to enable the site manager to call the payment application through the mobile terminal. The payment application obtains the reasons, time, total payment amount, accounts of each payee and the amount to be received, and the permissions of the site manager for the phased payment; the sum of the amounts to be received by each payee is equal to the total payment amount;

[0062] Compliance judgment module: Configured to perform semantic analysis on the reason by the payment application, generate a number of preset keywords corresponding to the reason, and determine the compliance of the on-site manager's operation based on the keywords and the on-site manager's authority; if not compliant, generate a warning message and end the method; otherwise, trigger the payment instruction generation module;

[0063] Payment instruction generation module: Configured to match the time, total payment amount, the accounts and amounts to be received of each payee, and the keywords corresponding to the reason with the project contract of the construction project by the payment application; if not matching, generate a warning message and end the method; otherwise, generate a payment instruction based on the time, total payment amount, the accounts and amounts to be received of each payee;

[0064] Payment module: Configured to have the on-site manager sign the payment instruction, send the signed payment instruction to multiple approvers, each approver signs the signed payment instruction, and generate a final payment instruction based on the signed payment instructions of all approvers; make a payment based on the final payment instruction.

[0065] The above specific embodiments only describe the design principle of the present invention. The shapes and names of the components in this description can be different and are not limited. Therefore, those skilled in the art of the present invention can modify or equivalently replace the technical solutions recorded in the foregoing embodiments; and these modifications and replacements do not depart from the purpose and technical solutions of the present invention, and shall all fall within the protection scope of the present invention.

Claims

1. A method for stage payment of construction projects for mobile devices, characterized in that, Including: Step S1: The on-site manager calls the payment application through the mobile terminal. The payment application obtains the reason, time, total payment amount, the accounts and the amounts to be received of each payee, and the authority of the on-site manager input by the on-site manager; the sum of the amounts to be received of each payee is equal to the total payment amount; Step S2: The payment application performs semantic analysis on the reason, generates several preset keywords corresponding to the reason, and determines the compliance of the operation of the on-site manager based on the keywords and the authority of the on-site manager; if it is not compliant, generate a warning message and end the method; Otherwise, enter Step S3; Step S3: The payment application matches the time, total payment amount, the accounts and the amounts to be received of each payee, and the keywords corresponding to the reason with the project contract of the construction project; if they do not match, generate a warning message and end the method; Otherwise, generate a payment instruction based on the time, total payment amount, the accounts and the amounts to be received of each payee; Step S4: The on-site manager signs the payment instruction, sends the signed payment instruction to multiple approvers, each approver signs the signed payment instruction, and generates a final payment instruction based on the signed payment instructions of all approvers; make a payment based on the final payment instruction.

2. The method according to claim 1, wherein When the timing of the phased payment of the construction project arrives, the on-site manager calls the payment application through the mobile terminal; a construction project has multiple phased payment timings and multiple project phases, and the phased payment timings include the completion of deep foundation pit support, the topping out of the underground structure, the completion of the main construction, the completion of the secondary structure, and the completion of the acceptance; the suppliers include suppliers of different natures, different scales, and different categories. Among them, the suppliers of different categories include labor subcontractors, professional subcontractors, material suppliers, and machinery leasing suppliers, and the suppliers of different scales include large suppliers, medium suppliers, and small suppliers.

3. The method according to claim 1, wherein After generating the final payment instruction, the payment application converts the format and communication protocol of the final payment instruction based on the interface of the front-end machine of the financial institution to which the payment account belongs, so that the converted final payment instruction can be parsed and processed by the system of the financial institution.

4. The method according to claim 1, wherein The on-site manager signs the payment instruction through the bank shield; the approvers sign based on the key assigned to the construction project.

5. The method according to claim 1, wherein After the on-site manager successfully makes a payment using the final payment instruction, the payment application updates the execution status of the final payment instruction to prevent the on-site manager from making duplicate payments.

6. The method according to any one of claims 1-5, characterized in that, Analyze the warning information, count the number of times of non-matching of the payee, and record the payees whose number of non-matching exceeds the preset threshold in the blacklist.

7. The method according to any one of claims 1-5, characterized in that, The payment application stores the non-compliance matters of the non-compliance of the operations of the on-site manager, and also stores the detailed information that does not match the project contract of the construction project.

8. A device for stage payment of construction projects for mobile terminals, characterized in that, The device includes: Initial module: Configured to enable the on-site manager to call the payment application through the mobile terminal. The payment application obtains the reason, time, total payment amount, the accounts and the amounts to be received of each payee, and the authority of the on-site manager input by the on-site manager; the sum of the amounts to be received of each payee is equal to the total payment amount; Compliance judgment module: Configured to perform semantic analysis on the reason by the payment application, generate a number of preset keywords corresponding to the reason, and determine the compliance of the on-site manager's operation based on the keywords and the on-site manager's authority; if non-compliant, generate a warning message and end the method; Otherwise, trigger the payment instruction generation module; Payment instruction generation module: Configured to match the time, total payment amount, account numbers of each payee and the amount to be received, and the keywords corresponding to the reason with the project contract of the construction project by the payment application; if not matching, generate a warning message and end the method; Otherwise, generate a payment instruction based on the time, total payment amount, account numbers of each payee and the amount to be received; Payment module: Configured to have the on-site manager sign the payment instruction, send the signed payment instruction to multiple approvers, each approver signs the signed payment instruction, and generate a final payment instruction based on the signed payment instructions of all approvers; make a payment based on the final payment instruction.

9. A computer-readable storage medium, characterized in that, The storage medium stores multiple instructions; the multiple instructions are used to be loaded and executed by a processor to perform the method according to any one of claims 1-7.

10. An electronic device, characterized in that, The electronic device includes: A processor for executing multiple instructions; A memory for storing multiple instructions; Wherein, the multiple instructions are used to be stored by the memory and loaded and executed by the processor to perform the method according to any one of claims 1-7.

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