Financial application document processing method and device, electronic equipment and storage medium

Abstract

The invention discloses a financial application document processing method and device, electronic equipment and a storage medium. The method comprises the steps of determining a plurality of first auditing elements of a first financial application document; constructing a first auditing item based on the plurality of first auditing elements; the first auditing item is used for describing the relationship among the plurality of first auditing elements; matching a first auditing rule from a plurality of auditing rules based on the first auditing item; the auditing rule comprises a second auditing item and a reimbursement result corresponding to the second auditing item when the second auditing item meets the financial application requirement, and the second auditing item is composed of at least one auditing element; and determining a processing result of the first financial application document based on the first auditing rule. According to the scheme, a more accurate auditing rule suitable for the financial application document can be matched, so that accurate analysis and processing of the financial application document are realized.

Description

Technical Field

[0001] The present invention relates to the field of computer science and technology, and in particular to a method, device, electronic equipment and storage medium for processing financial application documents. Background Art

[0002] In existing technologies, the review and approval of financial application documents, such as expense reimbursements, still requires manual processing, but this manual process presents numerous drawbacks. For example, the inherent complexity of financial management regulations, coupled with individual differences in understanding among reviewers, often leads to subjectivity and errors in their interpretation and implementation. Another example is that the rules and standards set for approval can only be configured by business personnel, which often lags behind actual management requirements and cannot be quickly updated.

[0003] It can be seen that the traditional manual auditing method of financial applications can no longer meet the complex and ever-changing financial management and auditing requirements. There is an urgent need for a financial application auditing method that can adapt to the current complex and ever-changing environment. Summary of the Invention

[0004] The present invention provides a method, device, electronic equipment and storage medium for processing financial application documents, which can realize accurate analysis and processing of financial application documents.

[0005] In a first aspect, the present invention provides a method for processing a financial application document, comprising:

[0006] determining a plurality of first review elements of the first financial application document;

[0007] Constructing a first audit item based on the plurality of the first audit elements; the first audit item is used to describe the relationship between the plurality of the first audit elements;

[0008] A first audit rule is matched from multiple audit rules based on the first audit item; the audit rule includes a second audit item and a reimbursement result corresponding to the second audit item when the financial application requirements are met, the second audit item being composed of at least one audit element;

[0009] A processing result of the first financial application document is determined based on the first review rule.

[0010] In a second aspect, the present invention further provides a device for processing financial application documents, comprising:

[0011] A first audit element determination module, configured to determine a plurality of first audit elements of a first financial application document;

[0012] A first audit item determination module is configured to construct a first audit item based on a plurality of the first audit elements; the first audit item is configured to describe a relationship between the plurality of the first audit elements;

[0013] a first audit rule determination module configured to match a first audit rule from a plurality of audit rules based on the first audit item; the audit rule including a second audit item and a reimbursement result corresponding to the second audit item when financial application requirements are met, the second audit item being composed of at least one audit element;

[0014] A processing module is configured to determine a processing result of the first financial application document based on the first review rule.

[0015] In a third aspect, an embodiment of the present invention further provides an electronic device, including:

[0016] one or more processors;

[0017] a storage device for storing one or more programs,

[0018] When the one or more programs are executed by the one or more processors, the one or more processors implement the method for processing financial application documents provided in any embodiment of the present invention.

[0019] In a fourth aspect, an embodiment of the present invention further provides a storage medium comprising computer-executable instructions, which, when executed by a computer processor, are used to execute a method for processing financial application documents as provided in any embodiment of the present invention.

[0020] The technical solution of the present invention determines multiple first audit elements of the first financial application document, and constructs a first audit item based on the multiple first audit elements, and then matches the first audit rule from multiple audit rules based on the first audit item, wherein the audit rule contains a second audit item and the reimbursement result corresponding to the second audit item when the financial application requirements are met; through such a matching method, the matched first audit rule can be made more accurate and more consistent with the first audit element in the current first financial application document, thereby providing a more accurate judgment condition for the subsequent processing of the document; then, the processing result of the first financial application document is determined based on the first audit rule, thereby indicating whether the first financial application document meets the financial application requirements. Through this solution, the first financial application document can be accurately and fully analyzed and processed, and it can be determined which financial application requirements are met or which financial application requirements are not met, thereby providing an intuitive and clear reference basis for whether the subsequent financial application document can be approved, thereby achieving accurate analysis and processing of the financial application document.

[0021] The above content of the invention is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are specifically listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] The above and other features, advantages, and aspects of the various embodiments of the present invention will become more apparent with reference to the following detailed description in conjunction with the accompanying drawings. Throughout the drawings, the same or similar reference numerals represent the same or similar elements. It should be understood that the drawings are schematic and that the originals and elements are not necessarily drawn to scale.

[0023] Figure 1 A flowchart of a method for processing financial application documents provided by an embodiment of the present invention;

[0024] Figure 2 A flowchart of another method for processing financial application documents provided by an embodiment of the present invention;

[0025] Figure 3 A schematic structural diagram of a financial application document processing device provided by an embodiment of the present invention;

[0026] Figure 4 A schematic structural diagram of an electronic device for implementing a method for processing financial application documents provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0027] Embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. Although certain embodiments of the present invention are shown in the accompanying drawings, it should be understood that the present invention can be implemented in various forms and should not be construed as limited to the embodiments described herein. Rather, these embodiments are provided to provide a more thorough and complete understanding of the present invention. It should be understood that the drawings and embodiments of the present invention are for illustrative purposes only and are not intended to limit the scope of protection of the present invention.

[0028] It should be understood that the various steps described in the method embodiments of the present invention may be performed in different orders and / or in parallel. In addition, the method embodiments may include additional steps and / or omit the steps shown. The scope of the present invention is not limited in this respect.

[0029] As used herein, the term "including" and its variations are open-ended, i.e., "including but not limited to." The term "based on" means "based, at least in part, on." The term "one embodiment" means "at least one embodiment," the term "another embodiment" means "at least one additional embodiment," and the term "some embodiments" means "at least some embodiments." Other terms are defined in the following description.

[0030] It should be noted that the concepts of "first" and "second" mentioned in the present invention are only used to distinguish different devices, modules or units, and are not used to limit the order or interdependence of the functions performed by these devices, modules or units.

[0031] It should be noted that the modifications of "one" and "multiple" mentioned in the present invention are illustrative rather than restrictive. Those skilled in the art should understand that unless otherwise clearly indicated in the context, it should be understood as "one or more".

[0032] The names of the messages or information exchanged between multiple devices in the embodiments of the present invention are only used for illustrative purposes and are not used to limit the scope of these messages or information.

[0033] Figure 1 This is a flow chart of a method for processing financial application documents provided by an embodiment of the present invention. The embodiment of the present invention is applicable to the case of analyzing and processing financial application documents. The method can be executed by a processing device for financial application documents. The processing device for financial application documents can be implemented in the form of software and / or hardware and is generally integrated on any electronic device with network communication function, which can be a mobile terminal, PC or server, etc. Figure 1 As shown, the method for processing a financial application document according to an embodiment of the present invention may include the following steps:

[0034] S110: Determine a plurality of first review elements of the first financial application document.

[0035] Among them, a financial application document can be used to make a financial application. A financial application document can be understood as a document formed by summarizing specific financial application information and related voucher information. In other words, the financial application document contains specific details of the financial application. For example, a financial application document can be a business trip reimbursement document, a meal allowance reimbursement document, a conference entertainment expense application document, a marketing expense application document, etc. Correspondingly, the first financial application document is the financial application document that needs to be analyzed and processed. Generally, the first financial application document can be submitted by the user who initiated the application, and the obtained first financial application document can be processed into JSON format data.

[0036] Audit factors are key content information that requires testing and analysis during the financial application process. It's understood that during the financial application process, multiple key content information is typically tested and analyzed to provide a reference basis for determining whether the financial application document is approved. These corresponding key content information can then be used as audit factors, resulting in multiple audit factors. Accordingly, the first audit factor is the audit factor determined from the first financial application document, and there may be multiple first audit factors.

[0037] Specifically, a preset parsing engine can be used to perform semantic understanding and analysis on the information content of the first financial application document, thereby determining multiple first review elements of the first financial application document. The preset parsing engine can perform lexical analysis, grammatical analysis, and semantic analysis on the information content.

[0038] For example, after semantic understanding and analysis of the information content of the first financial application document, it can be determined that the first financial application document has multiple first review elements such as "employee", "business trip", and "ticket".

[0039] S120. Construct a first audit item based on multiple first audit elements; the first audit item is used to describe the relationship between the multiple first audit elements.

[0040] An audit item can be understood as an expression composed of multiple audit elements. An audit item not only reflects the audit elements involved, but also the relationships between them. In other words, an audit item acts as a condition. The relationships between audit elements refer to the associations between different audit elements. For example, "business trip," as an activity, typically requires transportation, which inevitably results in "tickets." Therefore, there is an association between the two audit elements, "business trip" and "tickets."

[0041] Correspondingly, the first audit item is an audit item constructed based on multiple first audit elements, and the first audit item is used to describe the relationship between the multiple first audit elements.

[0042] Specifically, the information content of the first financial application document can be identified and analyzed to determine the relationship between multiple first review elements, thereby constructing the first review item. For example, if text such as "is," "have," or "need" appears in the document, it indicates that a correlation exists between the related first review elements at the preceding and following positions.

[0043] S130. Match a first audit rule from multiple audit rules based on the first audit item; the audit rule includes a second audit item and a reimbursement result corresponding to the second audit item when the financial application requirements are met, and the second audit item is composed of at least one audit element.

[0044] The financial application requirements may indicate information such as regulations or standards that need to be met when making a financial application. Only when the financial application requirements are met can the financial application be considered compliant with the regulations.

[0045] The audit rules include a second audit item and the reimbursement result corresponding to the second audit item when the financial application requirements are met. The reimbursement result can indicate the financial amount that can be reimbursed. The second audit item is composed of at least one audit element. Exemplarily, the audit rule can be an expression in the following form: "ordinary employee + business trip, reimbursement of 100 yuan", where "ordinary employee + business trip" is the second audit item, and "reimbursement of 100 yuan" is the reimbursement result. By analogy, there are multiple such audit rules, and each audit rule contains its own corresponding second audit item and reimbursement result. For example, another audit rule can also be: "Management staff + business trip + peak season, reimbursement of 300 yuan" and so on.

[0046] Specifically, after determining the first audit item, the first audit item can be matched with multiple second audit items corresponding to multiple audit rules, and the corresponding first audit rule can be determined based on the successfully matched second audit items. Successful matching of the first audit item and the second audit item requires that the multiple audit elements contained in the two audit items correspond to each other and have the same number of audit elements.

[0047] It should be noted that this embodiment is based on the matching of the first audit item actually determined, which can make the matched first audit rule more accurate and more in line with the first audit element in the current first financial application document, thereby providing more accurate judgment conditions for subsequent document processing.

[0048] S140: Determine a processing result of the first financial application document based on the first review rule.

[0049] The processing result may indicate whether the first financial application document meets the financial application requirements, that is, whether the first financial application document meets the reimbursement requirements.

[0050] Specifically, after the first review rule is determined, the specific content of the first financial application document can be analyzed and processed based on the first review rule, thereby determining the processing result of the first financial application document.

[0051] It should be noted that the processing of financial application documents in this embodiment focuses more on analyzing whether the financial application documents meet the financial application requirements. Therefore, the processing results determined are more focused on indicating whether the document meets the reimbursement requirements. This achieves a comprehensive analysis of the financial application documents, determining which financial application requirements are met or not. This provides a reference basis for whether the subsequent financial application documents can be approved, achieving accurate analysis and processing of financial application documents.

[0052] The technical solution of the present invention determines multiple first audit elements of the first financial application document, and constructs a first audit item based on the multiple first audit elements, and then matches the first audit rule from multiple audit rules based on the first audit item, wherein the audit rule contains a second audit item and the reimbursement result corresponding to the second audit item when the financial application requirements are met; through such a matching method, the matched first audit rule can be made more accurate and more consistent with the first audit element in the current first financial application document, thereby providing a more accurate judgment condition for the subsequent processing of the document; then, the processing result of the first financial application document is determined based on the first audit rule, thereby indicating whether the first financial application document meets the financial application requirements. Through this solution, the first financial application document can be accurately and fully analyzed and processed, and it can be determined which financial application requirements are met or which financial application requirements are not met, thereby providing an intuitive and clear reference basis for whether the subsequent financial application document can be approved, thereby achieving accurate analysis and processing of the financial application document.

[0053] Figure 2 This is a flow chart of another method for processing financial application documents provided by an embodiment of the present invention. The technical solution of this embodiment is based on the technical solution of the above embodiment, and further optimizes the process of determining the processing result of the first financial application document based on the first review rule in the above embodiment. This embodiment can be combined with various optional solutions in one or more of the above embodiments. Figure 2 As shown, the method for processing a financial application document according to an embodiment of the present invention may include the following steps:

[0054] S210: Determine a plurality of first review elements of the first financial application document.

[0055] S220. Construct a first audit item based on multiple first audit elements; the first audit item is used to describe the relationship between the multiple first audit elements.

[0056] As an optional but non-limiting implementation, the multiple audit rules in this embodiment can be determined using the following steps A1-A4:

[0057] Step A1: determining an element feature space based on the text content of a first document; the first document includes multiple audit elements and multiple reimbursement results; the element feature space includes multiple audit elements, and each audit element is different from another.

[0058] The first document can be understood as a normative document that records the financial application requirements that need to be met in various situations. The first document can contain multiple audit elements and multiple reimbursement results. For example, the text content of the first document may be "Ordinary employees can be reimbursed 100 yuan for business trips. Management employees can be reimbursed 200 yuan for business trips. Peak season marketing subsidies are 500 yuan, and off-season marketing subsidies are 300 yuan." In this case, "employee," "business trip," "marketing," etc. are audit elements, and "100 yuan," "300 yuan," etc. are reimbursement results.

[0059] Specifically, by performing semantic analysis and field extraction on the text content of the first document, multiple audit elements and multiple reimbursement results can be determined. A feature space can then be constructed based on the extracted multiple audit elements. The resulting feature space contains multiple distinct audit elements. In other words, the audit elements contained in the feature space are distinct from one another, and there are no duplicate audit elements.

[0060] Step A2: performing relationship extraction on a plurality of audit elements contained in the text content of the first document based on the element feature space to determine the mapping relationship between the audit elements in the element feature space.

[0061] Mapping relationships reflect the relationships between audit elements. These relationships can include requirement relationships and necessity relationships. A requirement relationship refers to the existence of a need relationship between two audit elements. For example, the presence of the audit element "business trip" implies that transportation is required, so the audit element "ticket" and "business trip" have a requirement relationship. A necessity relationship means that the presence of one audit element is necessarily accompanied by the presence of other audit elements. For example, the presence of the audit element "ticket" is necessarily accompanied by the presence of other audit elements, such as "travel location" and "passenger."

[0062] Optionally, relationship extraction is performed on multiple review elements contained in the text content of the first document based on the element feature space, including: vectorizing the text content of the first document to obtain vectorized text content; and performing relationship extraction on the vectorized text content based on the element feature space and the relationship extraction model.

[0063] The relationship extraction model can be used to detect and extract relationships between audit elements described in text content. This model can be pre-trained using a convolutional neural network or a recurrent neural network. For example, vectorized text content can be used as training data, with the relationships between audit elements annotated as training labels. The convolutional neural network is then trained based on this training data and training labels. Once the training requirements are met, a relationship extraction model is obtained.

[0064] Specifically, the text content of the first document can be vectorized first to convert the unstructured text data into numerical form to facilitate computer understanding and processing, thereby obtaining vectorized text content; then, the vectorized text content can be subjected to relationship extraction based on the element feature space and the relationship extraction model. The relationship model can form a high-dimensional vector space based on the vectorized text content, and then use the element feature space to extract the relationship between the required audit elements, thereby reducing the dimensionality of the high-dimensional vector space and mapping it to the relationship category, thereby determining the mapping relationship between the audit elements in the element feature space.

[0065] Step A3: extracting events from the text content of the first document to determine event information; the event information includes event trigger words, event type, and subject and object information of the event.

[0066] Among them, an event refers to the triggering of a specific financial application, and different financial applications correspond to different events. Event trigger words can identify the occurrence of an event and what kind of event it is. They can be understood as a sign that an event has been triggered. Event trigger words help to identify and understand events in the text. Once an event trigger word is identified, it means that the corresponding event has been triggered. The event type refers to the specific type of financial application triggered. The event type can be set based on actual needs, such as business trip reimbursement type, meal allowance reimbursement type, marketing expense application type, etc. The subject and object information of the event refers to the detailed content information of the triggered event. With the help of the subject and object information of the event, it is possible to identify what specific action content and impact content have occurred between the subject and object of the event.

[0067] Specifically, the text content of the first document can be identified and semantically analyzed. Once an event trigger word is identified, related events can be extracted, and detailed event information such as the event trigger word, event type, and subject and object information of the event can be determined.

[0068] Optionally, the text content of the first document can also be subjected to event extraction by means of an event extraction model to determine event information. The event extraction model can be pre-trained based on a relevant training data set, which is obtained by annotating event trigger words, event types, and the subject and object information of events in relevant financial application requirements.

[0069] Exemplarily, if "business trip" is recognized in the text content of the first document, then this is an event trigger word, indicating that there is a financial application event of the "business trip reimbursement type". Subsequently, by continuing to identify and analyze the relevant text content, it can be determined that the event type is "business trip reimbursement", and the subject and object information of the event is "the business trip subsidy standard for ordinary employees is 100 yuan".

[0070] Step A4: Determine the audit rules based on the element feature space, mapping relationship, and event information.

[0071] Specifically, after determining the mapping relationship existing between the audit elements and the extracted event information, the mapping relationship and event information can be assembled based on the element feature space to determine the audit rules.

[0072] By adopting this optional technical solution, the accurate determination of the audit rules can be achieved, thus providing sufficient preliminary preparation for the subsequent solution to match the first audit rule from multiple audit rules.

[0073] As an optional but non-limiting implementation manner, determining the element feature space based on the text content of the first document includes: performing standardization processing on the text content of the first document to obtain standardized text content; identifying and annotating the audit elements contained in the standardized text content to obtain multiple second audit elements; removing redundant audit elements with the same meaning among the multiple second audit elements to determine multiple third audit elements; and constructing an element feature space based on the multiple third audit elements and the corresponding configured index identifiers. By adopting this optional technical solution, a feature space without redundant audit elements can be constructed, thus facilitating the subsequent solution to extract the relationships between different audit elements.

[0074] Among them, standardization processing refers to removing the text content that has no practical significance in the text content of the first document. The text content that has no practical significance may include punctuation marks and stop words. Stop words can be commonly used words without specific meanings such as "de" (的) and "le" (了).

[0075] Specifically, by standardizing the text content of the first document, those text contents that are not practically meaningful can be removed to obtain standardized text content. Then, the audit elements contained in the standardized text content are identified and marked to obtain multiple second audit elements.

[0076] However, there may be audit elements with the same meaning among the multiple second audit elements currently identified. For example, in the process of identifying the standardized text content of a sentence like "When an ordinary employee is on a business trip, the upper limit of the amount he can reimburse is 100 yuan", "employee" may be identified as an audit element, and "he" may also be identified as an audit element, but in fact the two refer to the same object, which is essentially the same audit element, so it is necessary to eliminate such redundant audit elements that represent the same meaning. The solution of this embodiment is to eliminate the redundant audit elements that represent the same meaning among multiple second audit elements to determine multiple third audit elements; wherein, the redundant audit elements can be analyzed and determined based on the contextual semantics of the text content. Then, a unique index identifier is configured for each third audit element, and an element feature space is constructed based on multiple third audit elements and the corresponding configured index identifiers. For example, the constructed element feature space can be in the form of a vocabulary.

[0077] As an optional but non-limiting implementation method, the first document is determined in the following manner: obtaining an initial document; if the initial document is a document in a preset format, performing optical character recognition and text parsing on the text content of the initial document to determine the first document; if the initial document is a document in a non-preset format, directly performing text parsing on the text content of the initial document to determine the first document.

[0078] The original document may be a document that records detailed financial application requirements. An original document can be understood as a completely unprocessed, original document. A pre-formatted document is a document in a pre-defined, specific format. For example, a pre-formatted document may be a document in Portable Document Format (PDF). Optical character recognition (OCR) refers to OCR, which enables computers to read and understand text content.

[0079] Specifically, the initial document can be obtained by manual upload by the user, or by accessing the financial system management website. The initial documents obtained by these methods are all original documents that have not been processed at all. After obtaining the initial document, the initial document can be processed. In the case where the initial document is a document in a preset format, optical character recognition is performed on the text content of the initial document, and text parsing is performed on the recognized text content to determine the first document. In the case where the initial document is a document not in a preset format, text parsing can be directly performed on the text content of the initial document to determine the first document.

[0080] S230. Match a first audit rule from multiple audit rules based on the first audit item; the audit rule includes a second audit item and a reimbursement result corresponding to the second audit item when the financial application requirements are met, and the second audit item is composed of at least one audit element.

[0081] S240: Determine a first audit result based on specific element values corresponding to a plurality of first audit elements of the first financial application document and a first audit rule.

[0082] The specific element value corresponding to the first audit element refers to the specific value corresponding to the first audit element in the first financial application document. For example, in the first financial application document, the specific element value corresponding to the audit element "employee" is determined to be "Zhang San," and the specific element value corresponding to the audit element "ticket amount" is determined to be "69 yuan." The first audit result is the audit result actually determined based on the specific element values of the first financial application document.

[0083] Specifically, since the first audit rule includes a second audit item and a corresponding reimbursement result, and the second audit item is composed of at least one audit element, the specific element values of multiple first audit elements of the first financial application document can be substituted into the second audit item corresponding to the first audit rule, and the first audit result corresponding to the first financial application document at this time can be determined.

[0084] S250: Determine the reimbursement result described in the first review rule.

[0085] Specifically, the reimbursement result described can be extracted from the first review rule. The reimbursement result determined at this time is equivalent to the theoretically corresponding result when the financial application requirements are met.

[0086] S260. Based on the first audit result and the reimbursement result, determine the processing result of the first financial application document; the processing result includes whether it meets the reimbursement requirements or does not meet the reimbursement requirements.

[0087] Specifically, after determining the actual first review result of the first financial application document and the theoretically corresponding reimbursement result, the two can be compared to determine the processing result of the first financial application document.

[0088] Among them, meeting the reimbursement requirements means that the first review result and the reimbursement result are compatible and there is no contradiction between the two. Conversely, not meeting the reimbursement requirements means that the first review result and the reimbursement result are incompatible and there is a contradiction between the two.

[0089] For example, if both the first audit result and the reimbursement result represent reimbursement amounts, if the reimbursement result is "reimbursement amount does not exceed 100 yuan," then when the first audit result is "reimbursement amount is 69 yuan," it can be seen that the first audit result and the reimbursement result are compatible and there is no contradiction between the two. In this case, the processing result is "meets reimbursement requirements." However, if the first audit result is "reimbursement amount is 230 yuan," it can be seen that the first audit result and the reimbursement result are incompatible. The reimbursement amount in the first audit result exceeds the specified range. There is no contradiction between the two, so the processing result is "does not meet reimbursement requirements."

[0090] S270: Display the processing result of the first financial application document and the first review rule.

[0091] After obtaining the processing results, the processing results of the first financial application document and the first audit rules involved can be displayed so that users can know the processing results of the first financial application document and which audit rules were used in the processing process. The specific basis of the processing process can be displayed intuitively and clearly, and it can also facilitate staff to review and trace the cause and effect in the later stage.

[0092] S280. If the processing result does not meet the reimbursement requirements, an early warning will be issued for the processing result.

[0093] Specifically, when the processing result is that the reimbursement requirements are not met, an early warning prompt can be issued for the processing result, thereby indicating which specific reimbursement requirements the first financial application document does not meet, thereby providing a risk warning for the result that does not meet the reimbursement requirements.

[0094] As an optional but non-limiting implementation, after determining the processing result of the first financial application document based on the first review result and the reimbursement result, the following steps B1-B4 are further included:

[0095] Step B1: Acquire processing results, processing evaluation information, and audit rules associated with the processing corresponding to a plurality of second financial application documents; the second financial application documents are financial application documents that have been processed.

[0096] Processing evaluation information refers to the evaluation of the processing results by the initiator of the application document. For example, after determining the processing result of the second financial application document, the initiator of the application can evaluate the processing process and results of the second financial application document. For example, the evaluation may express disapproval of the processing result and provide detailed information such as the reason for the disapproval.

[0097] It should be noted that since the processing of the first financial application document is essentially based on the determined first review rule, the determined first review rule may not be completely correct. For example, errors may occur during the recognition and analysis of the text content of the first document, resulting in errors in the first review rule. This embodiment takes these issues into consideration and, by re-analyzing the processed financial application document, dynamically optimizes and adjusts the first review rule.

[0098] Specifically, processing results, processing evaluation information, and associated audit rules used during the processing corresponding to multiple second financial application documents may be obtained, wherein the second financial application documents are financial application documents that have been processed.

[0099] Step B2: Determine the usage frequency of the first review rule among the review rules associated with the plurality of second financial application documents.

[0100] The usage frequency refers to the number of times the first audit rule is used. The usage frequency can reflect how frequently the first audit rule is used. The higher the usage frequency, the more frequently the first audit rule is used; the lower the usage frequency, the less frequently the first audit rule is used.

[0101] Specifically, the occurrence of the first audit rule in the audit rules associated with the plurality of second financial application documents may be counted, thereby determining the usage frequency of the first audit rule.

[0102] Step B3: Optimize and adjust the first audit rule based on the usage frequency and processing evaluation information.

[0103] When adjusting audit rules, you can optimize and adjust the first audit rule based on both frequency of use and processing evaluation information. For example, you can prioritize optimizing and adjusting frequently used audit rules to make them more accurate. Alternatively, you can optimize and adjust audit rules based on processing evaluation information to address existing issues within the rules.

[0104] Specifically, the audit elements used in the first audit rule can be optimized and adjusted by identifying and analyzing usage frequency and the text content of the processed evaluation information. This optimization and adjustment may include, but is not limited to, modifying the specific content of the audit elements, modifying the relationships between the audit elements, and modifying the reimbursement results.

[0105] Step B4: Optimize the associated audit factors based on the optimized and adjusted first audit rule.

[0106] Accordingly, after optimizing and adjusting the first audit rule, the associated audit elements can be further optimized based on the optimized and adjusted first audit rule, thereby improving the accuracy of processing the financial application document.

[0107] By adopting this optional technical solution, through the review and analysis of the financial application documents that have been processed, the first audit rule is optimized and adjusted from the two aspects of usage frequency and processing evaluation information, thereby improving the accuracy of the analysis and processing of financial application documents.

[0108] As an optional but non-limiting implementation, optimizing and adjusting the first review rule based on usage frequency and processing evaluation information includes: if it is determined that the usage frequency exceeds a frequency threshold, identifying a third financial application document from multiple second financial application documents; the third financial application document involves the use of the first review rule during processing; identifying a fourth financial application document from the third financial application document for which a warning prompt is issued; and optimizing and adjusting the first review rule based on the final approval result of the fourth financial application document. Using this optional technical solution, the first review rule can be optimized and adjusted based on the final approval result of the fourth financial application document, thereby continuously improving the accuracy of the first review rule.

[0109] The frequency threshold can be pre-set based on actual circumstances. The final approval result indicates whether the financial application document is ultimately approved. Final approval results include approved and rejected. The final approval of a financial application document is generally determined by the approving personnel, and the final approval result is available upon completion of the determination.

[0110] Specifically, if the usage frequency exceeds the frequency threshold, indicating that the first review rule is frequently used, third financial application documents can be identified from the multiple second financial application documents. Specifically, these documents, which were processed using the first review rule, can be identified. Next, fourth financial application documents with warning alerts can be identified from the third financial application documents. In other words, these fourth financial application documents identified at this point are those identified as risky. For these financial application documents initially identified as risky, if the final approval result is "approved," this indicates that although the fourth financial application document was previously identified as risky during processing, it was ultimately approved. This suggests that the review rule used during the initial processing of the financial application document may have been erroneous. Based on the final approval result of the fourth financial application document, the first review rule can be optimized and adjusted to continuously improve the accuracy of the first review rule and, consequently, enhance the precision of financial application document processing.

[0111] The technical solution of the present invention determines multiple first audit elements of a first financial application document and constructs a first audit item based on the multiple first audit elements. Then, based on the first audit item, a first audit rule is matched from multiple audit rules. The audit rule includes a second audit item and a reimbursement result corresponding to the second audit item when the financial application requirements are met. This matching method makes the matched first audit rule more accurate and more consistent with the first audit elements of the current first financial application document, thereby providing more accurate judgment conditions for subsequent document processing. Next, a first audit result is determined based on the specific element values corresponding to the multiple first audit elements of the first financial application document and the first audit rule. The reimbursement result described in the first audit rule is determined. Based on the first audit result and the reimbursement result, a processing result of the first financial application document is determined, thereby indicating whether the first financial application document meets the financial application requirements. The processing result of the first financial application document and the first audit rule are displayed, which can intuitively and clearly demonstrate the specific basis of the processing process and facilitate subsequent review and tracing by staff. If the processing result indicates that the reimbursement requirements are not met, a warning prompt is issued regarding the processing result. Through this solution, the first financial application document can be accurately and fully analyzed and processed, and it can be determined which financial application requirements it meets or does not meet, thereby providing an intuitive and clear reference basis for whether subsequent financial application documents can pass the approval, and realizing the accurate analysis and processing of financial application documents.

[0112] Figure 3This is a schematic diagram of the structure of a financial application document processing device provided by an embodiment of the present invention. The embodiment of the present invention is applicable to the situation of analyzing and processing financial application documents. The financial application document processing device can be implemented in the form of software and / or hardware and is generally integrated into any electronic device with network communication function, which can be a mobile terminal, PC or server, etc. Figure 3 As shown, the financial application document processing device of the embodiment of the present invention may include a first audit factor determination module 310, a first audit item determination module 320, a first audit rule determination module 330 and a processing module 340. Among them:

[0113] A first audit element determination module 310 is used to determine a plurality of first audit elements of the first financial application document;

[0114] A first audit item determination module 320 is configured to construct a first audit item based on a plurality of the first audit elements; the first audit item is configured to describe the relationship between the plurality of the first audit elements;

[0115] A first audit rule determination module 330 is configured to match a first audit rule from multiple audit rules based on the first audit item; the audit rule includes a second audit item and a reimbursement result corresponding to the second audit item when the financial application requirements are met, the second audit item being composed of at least one audit element;

[0116] The processing module 340 is configured to determine a processing result of the first financial application document based on the first review rule.

[0117] The technical solution provided by the present invention determines multiple first audit elements of a first financial application document through a first audit element determination module, constructs a first audit item based on the multiple first audit elements through a first audit item determination module, and then matches a first audit rule from multiple audit rules based on the first audit item through a first audit rule determination module, wherein the audit rule includes a second audit item and the reimbursement result corresponding to the second audit item when the financial application requirements are met; through such a matching method, the matched first audit rule can be made more accurate and more consistent with the first audit element of the current first financial application document, thereby providing a more accurate judgment condition for subsequent document processing; then, the processing result of the first financial application document is determined based on the first audit rule by the processing module, thereby indicating whether the first financial application document meets the financial application requirements. Through this solution, the first financial application document can be accurately and fully analyzed and processed, and it can be determined which financial application requirements are met or not met, thereby providing an intuitive and clear reference basis for whether the subsequent financial application document can be approved, thereby achieving accurate analysis and processing of the financial application document.

[0118] As an optional but non-limiting implementation, the financial application document processing device further includes an audit rule determination module, and the audit rule determination module is used to determine a plurality of audit rules.

[0119] The audit rule determination module includes an element feature space determination unit, a relationship determination unit, an event determination unit, and an audit rule determination unit. Among them: the element feature space determination unit is used to determine the element feature space based on the text content of the first document; the first document contains multiple audit elements and multiple reimbursement results; the element feature space contains multiple audit elements and each audit element is different from each other; the relationship determination unit is used to extract the relationship of the multiple audit elements contained in the text content of the first document based on the element feature space to determine the mapping relationship between the audit elements in the element feature space; the event determination unit is used to extract events from the text content of the first document and determine event information; the event information includes event trigger words, event types, and subject and object information of the event; the audit rule determination unit is used to determine the audit rules based on the element feature space, the mapping relationship, and the event information.

[0120] As an optional but non-limiting implementation, the element feature space determination unit includes a standardization processing subunit, a second audit element determination subunit, an audit element elimination subunit, and an element feature space determination subunit. The standardization processing subunit is configured to perform standardization processing on the text content of the first document to obtain standardized text content; the second audit element determination subunit is configured to identify and annotate the audit elements contained in the standardized text content to obtain a plurality of second audit elements; the audit element elimination subunit is configured to eliminate redundant audit elements representing the same meaning from the plurality of second audit elements to determine a plurality of third audit elements; and the element feature space determination subunit is configured to construct the element feature space based on the plurality of third audit elements and correspondingly configured index identifiers.

[0121] As an optional but non-limiting implementation method, the first document is determined in the following manner: obtaining an initial document; when the initial document is a document in a preset format, performing optical character recognition and text parsing on the text content of the initial document to determine the first document; when the initial document is a document in a non-preset format, directly performing text parsing on the text content of the initial document to determine the first document.

[0122] As an optional but non-limiting implementation, the processing module 340 includes a first audit result determination unit, a reimbursement result determination unit, a processing result determination unit, a display unit, and an early warning prompt unit. Specifically, the first audit result determination unit is configured to determine a first audit result based on specific element values corresponding to multiple first audit elements of the first financial application document and the first audit rule; the reimbursement result determination unit is configured to determine the reimbursement result described in the first audit rule; the processing result determination unit is configured to determine a processing result of the first financial application document based on the first audit result and the reimbursement result; the processing result includes whether it meets the reimbursement requirements or does not meet the reimbursement requirements; the display unit is configured to display the processing result of the first financial application document and the first audit rule; and the early warning prompt unit is configured to issue an early warning prompt of the processing result if the processing result is that it does not meet the reimbursement requirements.

[0123] As an optional but non-limiting implementation method, the financial application document processing device also includes: an information acquisition module, used to obtain processing results, processing evaluation information and audit rules associated with the processing corresponding to multiple second financial application documents; the second financial application document is a financial application document that has been processed; a usage frequency determination module, used to determine the usage frequency of the first audit rule in the audit rules associated with the multiple second financial application documents; an audit rule optimization module, used to optimize and adjust the first audit rule based on the usage frequency and the processing evaluation information; and an audit element optimization module, used to optimize the associated audit elements based on the optimized and adjusted first audit rule.

[0124] As an optional but non-limiting implementation, the audit rule optimization module includes a third financial application document determination unit, a fourth financial application document determination unit, and an audit rule optimization unit. The third financial application document determination unit is configured to, upon determining that the usage frequency exceeds a frequency threshold, determine a third financial application document from among the plurality of second financial application documents; the third financial application document involves the use of the first audit rule during processing; the fourth financial application document determination unit is configured to determine, from among the third financial application documents, a fourth financial application document for which a warning prompt is issued; and the audit rule optimization unit is configured to optimize and adjust the first audit rule based on the final approval result of the fourth financial application document.

[0125] The financial application document processing device provided in the embodiment of the present invention can be used to execute the financial application document processing method, and has corresponding functional modules and beneficial effects for executing the financial application document processing method.

[0126] It is worth noting that the various units and modules included in the above-mentioned device are only divided according to functional logic, but are not limited to the above-mentioned division, as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of the embodiments of the present invention.

[0127] Figure 4 A schematic diagram of the structure of an electronic device for implementing a method for processing financial application documents provided by an embodiment of the present invention. Figure 4 , which shows a schematic structural diagram of an electronic device 410 suitable for implementing an embodiment of the present invention. The terminal device in the embodiment of the present invention may include, but is not limited to, mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), in-vehicle terminals (e.g., in-vehicle navigation terminals), and fixed terminals such as digital TVs and desktop computers. Figure 4The electronic device shown is only an example and should not limit the functions and scope of use of the embodiments of the present invention.

[0128] like Figure 4 As shown, the electronic device 410 includes at least one processor 411, and a memory connected to the at least one processor 411 in communication, such as a read-only memory (ROM) 412, a random access memory (RAM) 413, etc., wherein the memory stores a computer program that can be executed by the at least one processor, and the processor 411 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 412 or the computer program loaded from the storage unit 418 to the random access memory (RAM) 413. Various programs and data required for the operation of the electronic device 410 can also be stored in the (RAM) 413. The processor 411, (ROM) 412 and (RAM) 413 are connected to each other via a bus 414. An input / output (I / O) interface 415 is also connected to the bus 414.

[0129] Multiple components in electronic device 410 are connected to I / O interface 415, including an input unit 416, such as a keyboard, mouse, etc.; an output unit 417, such as various types of displays, speakers, etc.; a storage unit 418, such as a magnetic disk, optical disk, etc.; and a communication unit 419, such as a network card, modem, wireless communication transceiver, etc. The communication unit 419 allows electronic device 410 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0130] Processor 411 can be any general-purpose and / or specialized processing component with processing and computing capabilities. Some examples of processor 411 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any other suitable processor, controller, microcontroller, etc. Processor 411 executes the method for processing financial application documents provided in any embodiment of the present invention.

[0131] In particular, according to an embodiment of the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present invention includes a computer program product, which includes a computer program carried on a non-transitory computer-readable medium, and the computer program contains program code for executing the method for processing financial application documents shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication unit 419, or installed from the storage unit 418, or installed from the ROM 412. When the computer program is executed by the processor 411, the above-mentioned functions defined in the method for processing financial application documents of the embodiment of the present invention are executed. The names of the messages or information exchanged between the multiple devices in the embodiment of the present invention are only for illustrative purposes and are not used to limit the scope of these messages or information.

[0132] The electronic device provided in the embodiment of the present invention and the method for processing financial application documents provided in the above embodiment belong to the same inventive concept. For technical details not fully described in this embodiment, please refer to the above embodiment, and this embodiment has the same beneficial effects as the above embodiment.

[0133] An embodiment of the present invention provides a computer storage medium having a computer program stored thereon. When the program is executed by a processor, the method for processing financial application documents provided in the above embodiment is implemented.

[0134] It should be noted that the computer-readable medium described above in the present invention may be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or component, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, an electrical connection having one or more conductors, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device, or component. In the present invention, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium may be transmitted using any suitable medium, including but not limited to wires, optical cables, RF (radio frequency), etc., or any suitable combination thereof.

[0135] In some embodiments, the client and server can communicate using any currently known or future developed network protocol, such as HTTP (HyperText Transfer Protocol), and can be interconnected with any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), an internet (e.g., the Internet), and a peer-to-peer network (e.g., an ad hoc peer-to-peer network), as well as any currently known or future developed network.

[0136] Computer program code for performing the operations of the present invention may be written in one or more programming languages, or a combination thereof, including, but not limited to, object-oriented programming languages such as Java, Smalltalk, C++, and conventional procedural programming languages such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a stand-alone software package, partially on the user's computer and partially on a remote computer, or entirely on the remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., through the Internet using an Internet service provider).

[0137] The flow charts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, program segment, or a part of code, and the module, program segment, or a part of code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order than that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or flow chart, and the combination of the boxes in the block diagram and / or flow chart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0138] The units involved in the embodiments of the present invention may be implemented in software or hardware, wherein the name of a unit does not necessarily limit the unit itself.

[0139] The functions described above herein may be performed, at least in part, by one or more hardware logic components. For example, and without limitation, exemplary types of hardware logic components that may be used include: field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chip (SOCs), complex programmable logic devices (CPLDs), and the like.

[0140] In the context of the present invention, machine-readable medium can be a tangible medium that can contain or store a program for use with an instruction execution system, device or equipment or used in combination with an instruction execution system, device or equipment. Machine-readable medium can be a machine-readable signal medium or a machine-readable storage medium. Machine-readable medium can include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. More specific examples of machine-readable storage media can include electrical connections based on one or more lines, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.

[0141] The above description is merely a preferred embodiment of the present invention and an illustration of the technical principles employed. Those skilled in the art should understand that the scope of disclosure involved in the present invention is not limited to the technical solutions formed by the specific combination of the above-mentioned technical features, but also includes other technical solutions formed by any combination of the above-mentioned technical features or their equivalents without departing from the above-mentioned disclosed concepts. For example, a technical solution formed by replacing the above-mentioned features with (but not limited to) technical features with similar functions disclosed in the present invention.

[0142] In addition, although adopting specific order to describe each operation, this should not be interpreted as requiring these operations to be executed in the specific order shown or in sequential order.Under certain environment, multitasking and parallel processing may be advantageous.Similarly, although comprising some specific implementation details in the above discussion, these should not be interpreted as limiting the scope of the present invention.Some features described in the context of independent embodiment can also be implemented in single embodiment in combination.On the contrary, the various features described in the context of independent embodiment also can be implemented in multiple embodiments individually or in the mode of any suitable subcombination.

[0143] Although the subject matter has been described in language specific to structural features and / or methodological logical acts, it should be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are merely example forms of implementing the claims.

Claims

1. A method for processing financial application documents, characterized in that: The method comprises: determining a plurality of first review elements of the first financial application document; Constructing a first audit item based on the plurality of the first audit elements; the first audit item is used to describe the relationship between the plurality of the first audit elements; A first audit rule is matched from multiple audit rules based on the first audit item; the audit rule includes a second audit item and a reimbursement result corresponding to the second audit item when the financial application requirements are met, the second audit item being composed of at least one audit element; A processing result of the first financial application document is determined based on the first review rule.

2. The method according to claim 1, characterized in that The multiple audit rules are determined in the following manner: Determining an element feature space based on text content of a first document; the first document includes multiple audit elements and multiple reimbursement results; the element feature space includes multiple audit elements, and each audit element is different from another; performing relationship extraction on a plurality of audit elements contained in the text content of the first document based on the element feature space to determine a mapping relationship between the audit elements in the element feature space; Performing event extraction on the text content of the first document to determine event information; the event information includes event trigger words, event type, and subject and object information of the event; The audit rules are determined based on the element feature space, the mapping relationship and the event information.

3. The method according to claim 2, characterized in that The determining of the element feature space based on the text content of the first document includes: Standardizing the text content of the first document to obtain standardized text content; Identifying and marking the audit elements contained in the standardized text content to obtain a plurality of second audit elements; Eliminating redundant audit factors representing the same meaning among the plurality of second audit factors to determine a plurality of third audit factors; The element feature space is constructed based on a plurality of the third audit elements and corresponding configured index identifiers.

4. The method according to claim 2, characterized in that The first document is determined in the following manner: Get initial documentation; In a case where the initial document is a document in a preset format, performing optical character recognition and text parsing on text content of the initial document to determine the first document; In the case that the initial document is a document not in a preset format, text parsing is directly performed on the text content of the initial document to determine the first document.

5. The method according to claim 1, wherein The determining a processing result of the first financial application document based on the first review rule includes: determining a first audit result based on specific element values corresponding to a plurality of first audit elements of the first financial application document and the first audit rule; Determining the reimbursement result described in the first review rule; Determining a processing result of the first financial application document based on the first review result and the reimbursement result; the processing result includes whether the first financial application document meets the reimbursement requirements or does not meet the reimbursement requirements; Displaying the processing result of the first financial application document and the first review rules; In the event that the processing result does not meet the reimbursement requirements, an early warning reminder of the processing result will be issued.

6. The method according to claim 5, characterized in that After determining a processing result of the first financial application document based on the first review result and the reimbursement result, the method further includes: Obtaining processing results, processing evaluation information, and audit rules associated with a plurality of second financial application documents used during the processing; the second financial application documents are financial application documents that have been processed; determining a usage frequency of the first review rule among the review rules associated with the plurality of second financial application documents; Optimizing and adjusting the first audit rule based on the usage frequency and the processing evaluation information; The associated audit elements are optimized based on the optimized and adjusted first audit rule.

7. The method according to claim 6, characterized in that The optimizing and adjusting the first audit rule based on the usage frequency and the processing evaluation information includes: If it is determined that the usage frequency exceeds the frequency threshold, determining a third financial application document from the plurality of second financial application documents; wherein the third financial application document involves the use of the first review rule during processing; determining a fourth financial application document having a warning prompt from the third financial application document; The first review rule is optimized and adjusted based on the final approval result of the fourth financial application document.

8. A device for processing financial application documents, characterized in that: The device comprises: A first audit element determination module, configured to determine a plurality of first audit elements of a first financial application document; A first audit item determination module is configured to construct a first audit item based on a plurality of the first audit elements; the first audit item is configured to describe a relationship between the plurality of the first audit elements; a first audit rule determination module configured to match a first audit rule from a plurality of audit rules based on the first audit item; the audit rule including a second audit item and a reimbursement result corresponding to the second audit item when financial application requirements are met, the second audit item being composed of at least one audit element; A processing module is configured to determine a processing result of the first financial application document based on the first review rule.

9. An electronic device, characterized in that: The electronic device comprises: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method for processing financial application documents as described in any one of claims 1 to 7.

10. A storage medium containing computer-executable instructions, characterized in that: The computer executable instructions are used to execute the method for processing financial application documents according to any one of claims 1 to 7 when executed by a computer processor.

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