Fund payment and settlement method, computer device, storage medium, and program product

Abstract

The invention provides a fund payment settlement method, a computer device, a storage medium and a program product, and the method comprises the steps: obtaining a plurality of payment records passing the verification from a business end; obtaining a first matching payment request, judging whether a target payment record belongs to a key large-amount fund payment project or not according to a preset screening condition, and if an associated large-amount fund auditing code is determined, obtaining an associated selection request, and determining a target document list corresponding to the target payment record; if there is no association, obtaining an association determination request, determining target document information from the multiple pieces of available document information according to the association determination request, and associating the target document information with the target payment record; and obtaining a second matching payment request, and executing a matching operation on the target payment record. According to the invention, the identification of the payment record belonging to the key large-amount fund payment project and the association of the auditing code are realized, the fund payment settlement efficiency is improved, and the fund payment security and compliance are ensured.

Description

Technical Field

[0001] The present invention relates to the technical field of fund payment and settlement systems, and in particular, to a fund payment and settlement method, a computer device, a storage medium, and a program product. Background Art

[0002] In the existing fund payment and settlement system, during the fund payment and settlement process, after the control of each payment record undergoes a process review through multiple levels of nodes, it enters the fund matching and payment link. The financial personnel review the payment record at the online banking end. After passing the review, the fund matching corresponding to the payment record is completed, and the actual payment corresponding to the payment record is subsequently completed according to the fund matching.

[0003] Each payment record belongs to different payment items according to management breakdown. Key large-amount payment items refer to payment items involving relatively large amounts and requiring special management. If the payment record corresponds to a key large-amount payment item, then at the fund matching and payment link, the online banking end also needs to verify the large-amount fund review code corresponding to the payment record. The large-amount fund review code is an internal approval identifier established to ensure the transaction security of the payment record corresponding to the key large-amount payment item and prevent risks, and is used to verify whether the payment record corresponding to the key large-amount payment item has passed the compliance review process. When some payment records enter the fund matching link and it is found through manual review that the payment record belongs to a key large-amount payment item, the payment item needs to be sent back to the business end for supplementary review of the key large-amount payment item and then re-enter the online banking end for review, which adds a great deal of pressure to the timeliness of payment and affects the overall progress of project payment. The operations of sending back, supplementing, and reviewing are cumbersome, weakening the payment timeliness and control flexibility of key large-amount payment items, and are even unable to support key large-amount payment items that require urgent payment.

[0004] For example, in the existing business, it is necessary to estimate the large payment amount to be paid to Company A in the next month based on information such as the contract with Company A in the current month, and an application for the corresponding payment record of this key large payment amount needs to be initiated in this month. The process is as follows: initiated by the grass-roots unit → reviewed by the secondary unit → reviewed by the group unit, that is, three-level review. Since this payment record belongs to the key large payment project, after the review is completed, corresponding large payment review codes and information such as the amount bound to the code need to be output. However, the uploader or reviewer of the payment record may not be clear that this payment record belongs to the key large payment project, which may result in the review end not going through the compliance review process of the key large payment project, so that this payment record is not associated with the corresponding large payment review code and information such as the amount bound to the code. Or, after the uploader of the payment record clarifies that this payment record is a key large payment project, when the reviewer reviews, due to incorrect selection (such as incorrect amount selection), the generated large payment review code and information such as the amount bound to the code are incorrect. When entering the fund allocation and payment link and the online banking end reviews, it will compulsorily verify the large payment review code corresponding to this payment record and information such as the amount bound to the code. If the verification fails, it needs to be rolled back to the business end, and the reviewer needs to check and then re-enter the online banking end. The entire payment and settlement process is cumbersome and inefficient. Summary of the Invention

[0005] The first object of the present invention is to provide a fund payment and settlement method that can improve the efficiency of fund settlement.

[0006] The second object of the present invention is to provide a computer device for implementing the above fund payment and settlement method.

[0007] The third object of the present invention is to provide a computer-readable storage medium for implementing the above fund payment and settlement method.

[0008] The fourth object of the present invention is to provide a computer program product for implementing the above fund payment and settlement method.

[0009] To achieve the above first objective, the present invention provides a fund payment and settlement method, which includes the following steps: obtaining multiple approved payment records from the business side; obtaining a first matching payment request, and judging whether the target payment record corresponding to the first matching payment request belongs to a key large-amount fund payment project according to a preset screening condition. If not, perform a matching operation; if the target payment record belongs to a key large-amount fund payment project, judge whether it is associated with a large-amount fund audit code. If so, perform a matching operation; if not, prompt to associate a large-amount fund audit code; obtaining an association selection request, determining a target document list corresponding to the target payment record according to the association selection request, the target document list includes multiple available document information, and each available document information includes payment information and a unique large-amount fund audit code; obtaining an association determination request, determining target document information from the multiple available document information according to the association determination request, and associating the target document information with the target payment record; obtaining a second matching payment request, and performing a matching operation on the target payment record.

[0010] As can be seen from the above solution, the present invention can identify in real time the target payment records belonging to key large-amount fund payment projects through preset screening conditions, and automatically screen out the target document list that meets the target payment records. By associating and binding the target payment records with the target document information in the target payment list, the measure of forced verification code at the online banking end is ensured to be effective. In response to the audit and control requirements of key large-amount projects in the fund payment and settlement system, the present invention realizes the automatic identification of payment records belonging to key large-amount fund payment projects and the intelligent matching of audit codes by introducing a strategy and mechanism for intelligently associating key large-amount fund audit codes, avoiding the traditional method that only relies on single-line warning prompts and manual secondary checks, avoiding the cumbersome processes of multiple rollbacks, adjustments, and audits, and also realizing the full-process automation of payment matching and audit, greatly shortening the audit time and significantly improving the timeliness of payment. At the same time, the system can identify and automatically approve key large-amount projects that meet the requirements in real time, and complete the matching payment and audit operations without returning to the business system, effectively solving the problems of low audit efficiency and insufficient management intensity in the traditional mode. In addition, through the intelligent matching and audit strategy of multi-dimensional data, the system significantly enhances the supervision of key payment projects, ensures the integrity and accuracy of audit basis, further improves the security and compliance of fund payment, and provides a strong guarantee for payment timeliness and overall risk prevention and control effectiveness.

[0011] A further solution is that before obtaining the first matching payment request, obtain a merge request; when any of the multiple payment records pointed to by the merge request has been associated with a large-amount fund audit code, prohibit merging, otherwise allow several payment records to be combined into one payment record.

[0012] It can be seen that multiple payment requests can be merged according to actual needs and then the funds can be proportionally paid in a unified manner to improve the settlement efficiency. For payment records that have been associated with large-amount fund review codes, merging is not allowed to ensure the security and compliance of fund payments.

[0013] A further solution is to obtain a split request before obtaining the first proportionally paid request; when the payment record pointed to by the split request has been associated with a large-amount fund review code, splitting is not allowed, otherwise splitting is allowed.

[0014] It can be seen that multiple payment requests can be split according to actual needs and then the funds can be proportionally paid in a unified manner to improve the flexibility of fund settlement. For payment records that have been associated with large-amount fund review codes, splitting is not allowed to ensure the security and compliance of fund payments.

[0015] A further solution is to obtain a rollback request before obtaining the first proportionally paid request; when the payment record pointed to by the rollback request has been associated with a large-amount fund review code, after disassociating, the payment record pointed to by the rollback request is rolled back to the business side.

[0016] A further solution is to obtain a refund request before obtaining the first proportionally paid request; when the payment record pointed to by the refund request has been associated with a large-amount fund review code, after disassociating, the refund operation is performed.

[0017] It can be seen that when rolling back or refunding a payment request that has been associated with a large-amount fund review code, the candidate document information corresponding to the released large-amount fund review code can be associated by other payment records, improving the flexibility and efficiency of fund payments.

[0018] A further solution is that the preset screening conditions include a preset amount and / or a preset budget item.

[0019] It can be seen that according to the payment project requirements, the preset screening conditions can be set by oneself, and the key large-amount fund payment projects and non-key large-amount fund payment projects can be distinguished according to the preset screening conditions.

[0020] A further solution is that when determining the target document list corresponding to the target payment record according to the associated selection request, it includes: matching and screening the field values of the target payment record and the field values of each candidate document information in the optional document list to determine the target document list.

[0021] It can be seen that the matching fields can be flexibly adjusted according to actual needs, so as to flexibly realize the association between the payment record and the candidate document information.

[0022] To achieve the above-mentioned second objective, a computer device provided by the present invention includes a processor and a memory, wherein: a computer program is stored on the memory, and when the computer program is executed by the processor, the above-mentioned fund payment and settlement method is implemented.

[0023] To achieve the above-mentioned third objective, a computer-readable storage medium provided by the present invention, wherein: the fund payment and settlement method implemented when the computer program is executed by the processor.

[0024] To achieve the above-mentioned fourth objective, a computer program product provided by the present invention includes computer instructions, wherein: the above-mentioned fund payment and settlement method is implemented when the computer instructions are executed by the processor. Description of the Drawings

[0025] Figure 1 It is a system framework diagram of the fund payment and settlement system in the embodiment of the fund payment and settlement method of the present invention.

[0026] Figure 2 It is a flowchart of the embodiment of the fund payment and settlement method of the present invention.

[0027] Figure 3 It is a schematic diagram of the payment record displayed in the fund ratio payment link on the online banking side in the embodiment of the fund payment and settlement method of the present invention.

[0028] Figure 4 It is a schematic diagram of the target document list corresponding to the target payment record on the online banking side in the embodiment of the fund payment and settlement method of the present invention.

[0029] The present invention will be further described below in conjunction with the drawings and embodiments. Detailed Embodiments

[0030] In the fund ratio payment link of the fund payment and settlement method of the present invention, an intelligent combination verification of multi-dimensional data is introduced, key large-amount payment items are identified in real time, eligible audit codes are automatically screened out, and a binding relationship is established with the payment records, realizing the automatic identification of key large-amount payment items and the accurate matching of audit codes. The present invention also provides a computer device, a computer-readable storage medium, and a computer program product for implementing the above-mentioned fund payment and settlement method.

[0031] Embodiment of the fund payment and settlement method:

[0032] See Figure 1 , the fund payment and settlement system 100 of this embodiment includes a business side 10 and an online banking side 20. The business side 10 and the online banking side 20 are connected to realize two-way data transmission.

[0033] In the process of using the fund payment and settlement system 100 to achieve fund payment and settlement, the initiation and review of payment records are realized at the business end 10, and the payment records reviewed by the business end are transmitted to the online banking end 20, and the online banking end 20 continues to review to achieve the fund allocation of the payment records.

[0034] Taking a use case as an example, a grass-roots unit under a group company has signed a contract with the counterparty and needs to transfer a sum of money to the counterparty to whom the contract is signed according to the contract requirements next month. Then the grass-roots unit initiates a payment request at the business end 10. This payment request circulates at the business end 10 and is successively reviewed by the superior unit of the grass-roots unit and the group unit to which the superior unit belongs, and then enters the online banking end 20. The online banking end 20 conducts fund allocation, that is, reviews and determines whether to allocate funds to this payment request, so as to make the actual payment of this payment request according to the fund allocation subsequently.

[0035] See Figure 2 , when the payment request enters the online banking end 20 after being reviewed by the business end 10, the online banking end 20 executes the following steps:

[0036] S11: Obtain multiple approved payment records from the business end.

[0037] Among them, see Figure 3 , each payment record includes "serial number", "payment application order number", "business type", "receiving unit", "receiving account number", "payment amount", "expected payment date", "payment urgency", "payment summary", "payment mode", "payment method determination", and the field values corresponding to the fields such as "budget subject", "applying unit", "payment account" that are not shown in the figure.

[0038] S12: Obtain the first allocation payment request.

[0039] Among them, the first allocation payment request is used to request fund allocation to the target payment record selected from multiple payment records. For example, the user checks the checkbox before the serial number 5 in Figure 3 and requests fund allocation to the selected payment branch.

[0040] S13: Determine whether the target payment record belongs to the key large-amount fund payment project.

[0041] Among them, it is judged whether the selected target payment record belongs to the key large-amount fund payment project according to the preset screening conditions. According to the actual business, payment records belong to payment projects, and enterprises can divide key large-amount fund payment projects and non-key large-amount fund payment projects according to payment projects. For payment records belonging to key large-amount fund payment projects, additional compliance review processes are required.

[0042] The preset screening conditions are set according to actual business requirements. In this embodiment, the preset screening conditions include a preset amount and a preset budget item. Specifically, the preset amount is set to 20 million, and the preset budget item can be one of 5 types, specifically large and medium-sized infrastructure projects, equity investments, other expenditures related to investment activities, other expense expenditures related to operating activities, or coal mining rights. Thus, if the field value of "payment amount" in the target payment record is greater than 20 million, and the field value of "budget item" is large and medium-sized infrastructure projects, equity investments, other expenditures related to investment activities, other expense expenditures related to operating activities, or coal mining rights, then it is determined that the target payment record belongs to the key large-amount fund payment project.

[0043] If the target payment record does not belong to the key large-amount fund payment project, then jump to step S19 to perform the matching operation, thereby completing the fund matching of the target payment record, and then completing the payment of this target payment record according to the fund matching subsequently.

[0044] If the target payment record belongs to the key large-amount fund payment project, then further verification is required, and continue to execute step S14.

[0045] S14: Whether it is associated with a large-amount fund review code.

[0046] Among them, the large-amount fund review code is used to identify the information of the candidate document. The candidate document information is the document information that has been completed and is still within the validity period, stored in the online banking terminal. A specific candidate document information includes payment information and a unique large-amount fund review code. A candidate document information is used to indicate that this payment has passed the compliance review process for key large-amount fund payment projects within the enterprise. It should be noted that the candidate document information corresponding to a payment record is not restricted to be generated only when the payment record is gradually reviewed at the business end. Its generation time can be before the generation of this payment record, during the review of the payment record at the business end, or after the payment record enters the online banking terminal.

[0047] For example, see Figure 4 , a candidate document information includes the field value of "large-amount fund review code" and the field value of payment information. The field value of payment information includes the field values of fields such as "sequence number", "applying unit", "applied payment amount", "expected payment date", "budget item", "payment account", etc.

[0048] If the target payment record has been associated with a large-amount fund review code, then jump to step S19 to perform the matching operation, thereby completing the fund matching of the target payment record, and then completing the payment of this target payment record according to the fund matching subsequently.

[0049] If the target payment record has not been associated with a large-amount fund review code, then further verification is required, and continue to execute step S15.

[0050] S15: Prompt the associated large - amount fund review code.

[0051] Among them, the user is prompted in the form of a pop - up prompt box that they need to associate the large - amount fund review code with the target payment record before they can perform fund allocation.

[0052] S16: Obtain the associated selection request, and determine the target document list corresponding to the target payment record according to the associated selection request.

[0053] Among them, refer to Figure 3 , after the user checks the target payment record in the checkbox and clicks Figure 3 the red - framed "Associate Large - Amount Fund Review Code" in Figure 4 to obtain the target document list shown.

[0054] The optional document list stores all the information of the candidate documents. It is necessary to screen out the information of the candidate documents that match the target payment record to obtain the target document list. Specifically, the target document list is determined by matching the field values of the target payment record and each candidate document information in the optional document list. Each available document information in the target document list is the specific candidate document information screened out from the optional document list.

[0055] The specific field values for matching can be flexibly set according to actual business needs. In this embodiment, it is necessary to screen out the candidate document information that meets the following conditions: (1) The field value of "Estimated Payment Date" in the candidate document information matches the field value of "Estimated Payment Date" in the target payment record, and the match means being in the same month of the same year; (2) The field value of "Applied Payment Amount" in the candidate document information is greater than or equal to the field value of "Payment Amount" in the target payment record; (3) The field value of "Applying Unit" in the candidate document information is equal to the field value of "Applying Unit" in the target payment record; (4) The field value of "Budget Subject" in the candidate document information is equal to the field value of "Budget Subject" in the target payment record; (5) The field value of "Payment Account" in the candidate document information is equal to the field value of "Payment Account" in the target payment record. All the candidate document information that meets the above conditions constitutes the target document list, and each available document information in the target document list corresponds to a selected candidate document information.

[0056] S17: Obtain the associated determination request, and determine the target document information from multiple available document information.

[0057] Among them, refer to Figure 4, the target document list includes 3 pieces of available document information. After obtaining the associated determination request input by the user, according to the indication of the associated determination request, the target document information is determined from multiple pieces of available document information, so as to associate the target payment record with the target document information.

[0058] S18: Obtain the second ratio payment request.

[0059] Among them, the fund ratio of the target payment record is restarted through the second ratio payment request. Since in the previous steps, the target payment record has been associated with the target document information, that is, it has been associated with the large-amount fund audit code of the target document information, indicating that the target payment record has passed the compliance audit process for key large-amount fund payment projects within the company, and step S19 can be executed to perform the fund ratio.

[0060] S19: Execute the ratio operation.

[0061] Thus, through the above steps S11 to S19, the fund ratio of a payment record belonging to a key large-amount fund payment project can be realized. After the subsequent actual payment, the settlement of this payment record is completed.

[0062] During the process of the above steps S11 to S19, operations such as merging, splitting, rolling back, and refunding of payment records can also be realized.

[0063] The merge request means merging the payment records corresponding to the multiple check boxes selected by the user into one payment record. For example, when any of the multiple payment records pointed to by the merge request has been associated with a large-amount fund audit code, merging is prohibited, otherwise multiple payment records are allowed to be merged into one payment record. Specifically, when there is no payment record belonging to the key large-amount fund audit project among the currently selected multiple payment records, merging is allowed; when all the currently selected multiple payment records belong to the key large-amount fund audit project and there is no payment record with an associated large-amount fund audit code, merging is allowed.

[0064] The split request means splitting a payment record selected by the user into multiple payment records. For example, when the payment record pointed to by the split request has been associated with a large-amount fund audit code, splitting is not allowed; when the payment record pointed to by the split request has no associated large-amount fund audit code, it is allowed to be split into multiple sets of payment records, and specifically, it can be split into multiple payment records according to the payment amount.

[0065] The rollback request means rolling back a payment record selected by the user to the business end, and is used in scenarios where the business end needs to modify it. For example, when the payment record pointed to by the rollback request has been associated with a large-amount fund review code, it is necessary to disassociate the payment record from the associated large-amount fund review code, that is, release the document information to be selected corresponding to the large-amount fund review code, which can be associated with other payment records, and then return the payment record to the business end; when the payment record pointed to by the rollback request is not associated with a large-amount fund review code, the payment record is directly rolled back to the business end.

[0066] A refund request means cancelling the funds matching of a payment record selected by the user. For example, when the payment record pointed to by the refund request has been associated with a large amount of funds review code, it is necessary to disassociate the payment record with the associated large amount of funds review code, that is, release the document information to be selected corresponding to the large amount of funds review code, which can be associated with other payment records, and then delete the payment record; when the payment record pointed to by the rollback request is not associated with a large amount of funds review code, the payment record is directly deleted.

[0067] In summary, the present invention, by introducing the strategy and mechanism of intelligently associating key large-amount fund audit codes, realizes the automatic identification of key large-amount payment projects and the intelligent matching of audit codes, significantly improves the audit efficiency and accuracy, and effectively solves the problems of insufficient control of the audit basis of key large-amount payment projects, cumbersome audit process, and obstructed payment effectiveness in the prior art, thereby realizing the full-process automated monitoring and management of key payment projects, significantly enhancing the overall risk prevention and control efficiency, and providing a strong guarantee for the security and compliance of fund payment. Specifically, it includes: (1) Dimensional data intelligent combination verification: through the comprehensive analysis of multi-dimensional information such as budget items, payment amounts, document types, and applicants, a preset algorithm model is established to identify the payment records corresponding to key large-amount fund payment projects in real time. (2) Intelligent matching and binding of audit codes: after identifying key large-amount payment projects, the system automatically screens the audit codes that meet the conditions and establishes a binding relationship with the payment records without manual intervention. (3) Full-process automated monitoring and management: through the intelligent audit mechanism, the full-process automated monitoring of key payment projects is realized, significantly improving the audit efficiency, accuracy and risk prevention and control capabilities. (4) Improving payment effectiveness: By reducing manual verification steps, the payment matching process is optimized, ensuring payment timeliness while enhancing the security and compliance of fund use.

[0068] Computer device embodiment:

[0069] The computer device of this embodiment includes a processor and a memory. The memory stores a computer program. When the processor executes the computer program, the above-mentioned fund payment settlement method embodiment is implemented.

[0070] A computer device may include, but is not limited to, a processor and a memory. Those skilled in the art can understand that a computer device may include more or fewer components, or combine certain components, or different components. For example, a computer device may also include input / output devices, network access devices, buses, etc.

[0071] For example, the processor may be a Central Processing Unit (CPU), or may also be other general-purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor may be a microcontroller or any conventional processor, etc. The processor is the control center of the computer device, connecting various parts of the entire computer device through various interfaces and lines.

[0072] The memory can be used to store computer programs and / or modules. The controller realizes various functions of the computer device by running or executing the computer programs and / or modules stored in the memory, and calling the data stored in the memory. For example, the memory may mainly include a program storage area and a data storage area. Among them, the program storage area may store an operating system, application programs required for at least one function (such as a voice reception function, a voice-to-text conversion function, etc.); the data storage area may store data created according to the use of the mobile phone (such as audio data, text data, etc.). In addition, the memory may include high-speed random access memory, and may also include non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) card, a Flash Card, at least one magnetic disk storage device, a flash memory device, or other volatile solid-state storage devices.

[0073] Embodiment of a computer-readable storage medium:

[0074] If the modules integrated in the computer device of the above embodiments are implemented in the form of software functional units and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, to implement all or part of the process of the embodiment of the fund payment and settlement method, it can also be completed by a computer program instructing relevant hardware. The computer program can be stored in a computer-readable storage medium. When the computer program is executed by a controller, the steps of the above embodiment of the fund payment and settlement method can be implemented. Among them, the computer program includes computer program code, and the computer program code can be in the form of source code, object code, executable file or some intermediate form, etc. The storage medium can include: any entity or device capable of carrying computer program code, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disc, computer memory, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electrical carrier signal, telecommunication signal, and software distribution medium, etc. It should be noted that the content included in the computer-readable medium can be appropriately increased or decreased according to the requirements of legislation and patent practice within the jurisdiction. For example, in some jurisdictions, according to legislation and patent practice, the computer-readable medium does not include electrical carrier signals and telecommunication signals.

[0075] Embodiment of computer program product:

[0076] The computer program product of this embodiment includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes each step of the above embodiment of the fund payment and settlement method.

[0077] Finally, it should be emphasized that the above are only the preferred embodiments of the present invention and are not used to limit the present invention. For those skilled in the art, the present invention can have various changes and modifications. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A method for capital payment and settlement, characterized in that, It includes the following steps: Obtain multiple approved payment records from the business side; Obtain a first ratio payment request, and determine whether the target payment record corresponding to the first ratio payment request belongs to a key large - amount fund payment project according to a preset screening condition. If not, perform a ratio operation; If the target payment record belongs to a key large - amount fund payment project, determine whether it is associated with a large - amount fund audit code. If so, perform a ratio operation; if not, prompt to associate a large - amount fund audit code; Obtain an association selection request, and determine a target document list corresponding to the target payment record according to the association selection request. The target document list includes multiple available document information, and each piece of available document information includes payment information and a unique large - amount fund audit code; Obtain an association determination request, and determine target document information from the multiple pieces of available document information according to the association determination request, and associate the target document information with the target payment record; Obtain a second ratio payment request, and perform a ratio operation on the target payment record.

2. The fund payment and settlement method according to claim 1, wherein: Before obtaining the first ratio payment request, obtain a merge request; When any of the multiple payment records pointed to by the merge request is already associated with a large - amount fund audit code, prohibit merging; otherwise, allow several payment records to be combined into one payment record.

3. The fund payment and settlement method according to claim 1, wherein: Before obtaining the first ratio payment request, obtain a split request; When the payment record pointed to by the split request is already associated with a large - amount fund audit code, do not allow splitting; otherwise, allow splitting.

4. The fund payment and settlement method according to claim 1, wherein: Before obtaining the first ratio payment request, obtain a rollback request; When the payment record pointed to by the rollback request is already associated with a large - amount fund audit code, after disassociating, roll back the payment record pointed to by the rollback request to the business side.

5. The fund payment and settlement method according to claim 1, wherein: Before obtaining the first ratio payment request, obtain a refund request; When the payment record pointed to by the refund request is already associated with a large - amount fund audit code, after disassociating, perform a refund operation.

6. The fund payment and settlement method according to claim 1, wherein: The preset screening condition includes a preset amount and / or a preset budget item.

7. The fund payment and settlement method according to any one of claims 1 to 6, wherein: When determining the target document list corresponding to the target payment record according to the association selection request, it includes: matching and screening the field values of the target payment record and the field values of each piece of candidate document information in the optional document list to determine the target document list.

8. A computer device, including a processor and a memory, wherein: A computer program is stored on the memory, and when the computer program is executed by the processor, it implements the fund payment and settlement method according to any one of claims 1 to 7 above.

9. A computer-readable storage medium, characterized in that: When the computer program is executed by the processor, it implements the fund payment and settlement method according to any one of claims 1 to 7 above.

10. A computer program product, comprising computer instructions, characterized in that: When the computer instructions are executed by a processor, the fund payment and settlement method described in any one of claims 1 to 7 above is implemented.

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