Intelligent electronic bill arranging system and method

Abstract

The invention provides an intelligent electronic bill arranging system and method, and relates to the technical field of bill management and financial intelligent equipment, and the system is used for automatically matching an optimal bill for a payment order, is configured to be capable of carrying out automatic or manual ballot on a single payment order, and limits that only one bill can be selected for payment for each bill payment order; the payment module is used for carrying out bill matching on the initiated payment order and completing payment based on a preset matching rule, the matching rule is composed of related information of the user payment order and an intelligent bill arrangement configuration mode, and direct connection bills and non-direct connection bills can be filtered and screened in the matching process; the intelligent ticket arrangement configuration module supports the autonomous configuration of a matching rule, including the configuration of a money arrangement and ticket allocation scheme, the bank based on bill endorsement payment, the deadline of stock tickets, the control of remaining tickets of ticket splitting endorsement, the compensation of the ticket splitting endorsement, and the preference setting of an endorsement scene; the payment mode of the new billing is bound with the bank through the supplier, and the set billing bank and account are preferentially selected.

Description

Technical Field

[0001] The present invention relates to the technical field of bill management and financial intelligent equipment, and in particular to a bill arrangement system and method for electronic bills. Background Art

[0002] With the widespread adoption of electronic invoice services, more and more businesses are using invoices as a daily payment method, and even making it their preferred payment method. As the volume of invoice payment transactions increases, how users select the most suitable invoices from the vast inventory when initiating payment applications becomes an urgent challenge.

[0003] Traditional electronic bill payment is done by users screening data based on payment order information, selecting appropriate bills for submission through a combination of various information elements and manual judgment, and then users in relevant positions review and confirm them. After the review is completed, the bills are sent to the bank for actual payment.

[0004] However, in the above processing methods, a large amount of work needs to be handled manually, resulting in defects such as poor processing timeliness, cumbersome process, prone to errors, and high costs. This is especially true for companies with large scale, large payment settlement volume, and frequent settlements with upstream and downstream suppliers. The processing requires more time and human resources. Summary of the Invention

[0005] The purpose of the present invention is to provide an electronic bill intelligent ticket sorting system and method to solve the current electronic bill payment work that relies heavily on manual processing, resulting in poor timeliness, cumbersome process, high error rate and high cost.

[0006] To solve the above problems, the present invention first provides an electronic bill intelligent sorting system for automatically matching the optimal bill for payment orders. Bill payment includes endorsement and new invoice of commercial bills and bank bills. It is configured to automatically or manually vote for a single payment order, and limits each bill payment order to only one bill for payment; it includes: a payment module, which matches the bill for the initiated payment order and completes the payment based on preset matching rules. The matching rules are composed of relevant information of the user's payment order and the intelligent sorting configuration method. The matching process can filter and screen direct-linked bills and non-direct-linked bills; an intelligent sorting configuration module, which supports independent configuration of the matching rules, including the configuration of the payment and bill matching plan, and sets preferences based on the bank for bill endorsement payment, the term of inventory bills, the control of remaining bills for bill splitting endorsement, the difference for bill splitting endorsement, and the endorsement scenario; the payment method for the new invoice is bound to the bank through the supplier, and the set issuing bank and account number are given priority.

[0007] Furthermore, the system uses field identifiers to mark the attributes of bills receivable, including direct connection or non-direct connection attributes; the direct connection bills include direct connection for new bill payment and direct connection for bill endorsement payment; when marked as direct connection attribute, they are sent to the bank for endorsement through the bill direct connection interface, and before sending, it is determined whether it is an old bill or a new bill, and different bill system interfaces are called accordingly; when marked as non-direct connection attribute, when endorsing payment, it flows to the payment result registration interface for result registration processing; the bill system interface is connected to the bill direct connection interface of major banks, and after sending the bill operation instruction to the bank, it actively receives the bank processing result after the bank completes the processing, and updates the system bill status information according to the bank processing result.

[0008] Furthermore, the bill status information can mark the changes in the bill during the operation. When the bill endorsement payment submission is completed, the status of the payment order is marked as "application successful", and the direct bill will feedback the status as "endorsement pending receipt"; when the direct bill is successfully received and the bill direct interface queries the receipt status, the payment order status is updated to "payment successful" and the bill status "received" is updated synchronously; when the non-direct bill completes the bill endorsement payment result registration, the payment order status is updated to "payment successful" and the bill status is updated synchronously to "received".

[0009] Furthermore, the bill status also includes bill anti-duplicate locking management, setting ticket uniqueness constraints. When the inventory bill is selected by any payment application, it will be automatically locked. Other businesses cannot select the locked bill for endorsement, pledge or discount.

[0010] Furthermore, the bill status also includes bill status exception management. When a payment order uses a bill for payment, if a payment fails, the payment failure resend interface will be entered; the bank's return description can be used to determine the reason for the payment failure, and based on the reason for the failure, the failure confirmation or resubmission processing action can be performed; the action of confirming the failure does not require review. After the operation is completed, an email reminder will be triggered, and the query status of the payment interface will be updated synchronously; the action of resending the failure needs to be reviewed, and the instruction can only be resent once.

[0011] Furthermore, the intelligent bill arrangement configuration module supports the settings of bill endorsement period, bill bank, bill balance control, bill issuance preference and default bill issuance bank, and default payment account; the bill endorsement period setting includes: when there are multiple bills in stock, the bills are voted according to the period to the bill maturity date. When the period is less than the set value, the endorsement cannot select the stock bills within its period range; the bill bank setting includes: setting the bank level, dividing the banks into state-owned banks, joint-stock banks, and city commercial banks; when selecting endorsement payment, the stock bills of niche banks are given priority through bank registration. , the order of priority when endorsing a bill is joint-stock bank>state-owned bank>city commercial bank; the control setting for the remaining bills after splitting includes: setting the endorsement split amount control, and the remaining bills after splitting are greater than or equal to the set critical value; the invoicing preference and default invoicing bank settings include: supporting the binding of suppliers with invoicing banks and accounts; when making payments by invoicing, the bank bound to the supplier is selected by default for invoicing; suppliers who are not bound to an invoicing bank use the default invoicing bank for invoicing and payment; the default payment account setting includes: providing a default payment account setting, and assigning a value based on the default payment account set under the payment unit.

[0012] The present invention also provides an electronic bill intelligent ticket sorting method, comprising: performing intelligent ticket sorting scheme processing for bills based on the electronic bill intelligent ticket sorting system described in the above technical solution.

[0013] According to the present invention, an electronic bill intelligent sorting system and method are provided, which can match the optimal bill for the initiated payment order and complete the payment, perform intelligent matching based on the system inventory bills, automatically screen bills that meet the current payment order requirements, and support automatic or manual voting for a single payment order, so that when the user initiates a payment order application, the system can intelligently match the inventory bills, and automatically associate the payment documents and bills without manual intervention; it solves the problem that a large amount of bill work requires manual screening and matching, and the process is cumbersome, error-prone, and costly. DETAILED DESCRIPTION

[0014] In order to make the above-mentioned objects, features and advantages of the present invention more clearly understood, the following is a detailed description of specific embodiments of the present invention. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0015] Since a large amount of work in the current bill processing needs to be handled manually, the processing time is poor, the process is relatively cumbersome, prone to errors, and the cost is high. Especially for companies with large scale, large payment settlement volume, and frequent settlements with upstream and downstream suppliers, the processing requires a lot of time and human resources, and the processing cycle is long.

[0016] Taking the above problems into consideration, this embodiment provides an electronic bill intelligent sorting system for automatically matching the optimal bill for payment orders. Bill payment includes endorsement and new invoice of commercial bills and bank bills. It supports automatic or manual voting for a single payment order, and limits each bill payment order to only one bill for payment.

[0017] The system includes a payment module and an intelligent billing configuration module. The payment module matches bills to initiated payment orders based on preset matching rules and completes payment. For the large number of inventory bills in the system, the matching rules are composed based on the relevant information of the user's payment order and the intelligent billing configuration method. The matching process automatically completes the filtering of directly connected bills and non-directly connected bills. The intelligent billing configuration module is used to independently configure the matching rules, including the configuration of payment and billing schemes, and set preferences based on the bank for bill endorsement payment, the term of inventory bills, the control of remaining bills for bill splitting endorsement, the difference in bill splitting endorsement, and endorsement scenarios. The payment method for newly issued invoices is bound to the bank through the supplier, and the set issuing bank and account number are given priority.

[0018] Specifically, regarding the filtering of directly connected bills and non-directly connected bills, the system uses field identifiers to mark the attributes of bills receivable, namely, direct or non-direct connection attributes. Directly connected bills include direct newly issued bill payments and direct bill endorsement payments. When marked as directly connected, they are sent to the bank for endorsement through the bill direct connection interface. Before sending, the bill is judged to be old or new, and different bill system interfaces are called accordingly. When marked as non-direct connection attributes, when endorsing payment, the bill is transferred to the payment result registration interface for result registration processing. The bill system interface is connected to the bill direct connection interfaces of major banks. After sending bill operation instructions to the bank, it actively receives the bank's processing results after the bank completes the processing, and updates the system bill status information based on the bank's processing results.

[0019] The bill status information can mark the changes in the bill during the operation, so that the bill status is synchronized and it is convenient for management operations. Preferably, when the bill endorsement payment submission is completed, the status of the payment order is marked as "application successful", and the direct bill will feedback the status as "endorsement pending receipt"; when the direct bill is successfully received and the bill direct connection interface queries the receipt status, the payment order status is updated to "payment successful" and the bill status is updated and pushed to "received" at the same time; when the non-direct bill completes the bill endorsement payment result registration, the payment order status is updated to "payment successful" and the bill status is updated and pushed to "received" at the same time.

[0020] In order to limit the selection of only one bill for payment for each bill payment order, a bill anti-duplicate locking management system is implemented, and a unique constraint on the bill is set. When an inventory bill is selected by any payment application, it is automatically locked, and other businesses cannot select the locked bill for endorsement, pledge or discount.

[0021] In addition, regarding the abnormal handling of bills, it also includes the abnormal management of bill status. When the payment order adopts bill payment, if the payment fails, the payment failure resend interface will be entered; it supports judging the reason for the payment failure through the description returned by the bank, and confirming the failure or resubmitting the processing action based on the failure reason; the action of confirming the failure does not need to be reviewed. After the operation is completed, an email reminder is triggered, and the query status of the payment interface is updated synchronously; the action of resending the failure needs to be reviewed, and the instruction can only be resent once.

[0022] The above multiple settings in the intelligent bill scheduling configuration module are specifically as follows: the bill endorsement period setting includes: when there are multiple bills in stock, the bills are voted according to the period to the bill maturity date. When the period is less than the set value, the endorsement cannot select the stock bills within its period range; the bill bank setting includes: setting the bank level, and dividing the banks into state-owned banks, joint-stock banks, and city commercial banks; when choosing endorsement payment, the stock bills of niche banks are given priority through bank registration, and the order of priority when endorsing the bills is joint-stock banks>state-owned banks>city commercial banks; the bill splitting balance control setting includes: setting the endorsement split amount control, and the split balance is greater than or equal to the set critical value; the invoicing preference and default invoicing bank setting include: supporting the binding of suppliers with invoicing banks and accounts; when paying by invoicing, the bank bound to the supplier is selected by default for invoicing; suppliers who are not bound to the invoicing bank use the default invoicing bank for invoicing and payment; the default payment account setting includes: providing payment default account settings, and assigning values ​​based on the default payment account set under the payment unit.

[0023] This embodiment also provides an electronic bill intelligent ticket sorting method, which uses the above electronic bill intelligent ticket sorting system to perform intelligent ticket sorting solution processing for bills.

[0024] When using the electronic bill intelligent ticket sorting system, the system is first initialized and configured, and settings are made through the intelligent ticket sorting configuration module, including the bill endorsement period, the period of the bank's inventory bills to which the bills belong, the balance control of the bill split endorsement, the difference in the bill split endorsement, and the endorsement scenario preference settings; and the new billing method is bound to the corresponding bank; thereby, the matching rules are formed by combining the relevant information of the payment order and the intelligent ticket sorting configuration method. The above settings can be adjusted as needed, that is, the matching rules are generated autonomously.

[0025] The payment module then processes the payment order. After the user submits the payment order, the system automatically filters inventory documents based on pre-set matching rules, matches the document to the initiated payment order, and completes the payment. This processing includes locking and executing the document. Anti-duplicate locking ensures that inventory documents are automatically locked when selected by any payment application. Invoice status information is constantly synchronized, and the document status is updated based on bank feedback. Any exceptions are handled through invoice status exception management, allowing for resubmission or confirmation of failed operations.

[0026] When the system automatically matches bills against payment orders, it will fully match one, two, or three bills, in order of amount. The upper limit on the number of bills can be set. All amount combinations are filtered out, and bill scores are assigned to each combination to find the highest-scoring combination. If one bill is suitable, the two-bill combination is not filtered. If the two-bill combination is suitable, the three-bill combination is not filtered. The system can filter bills according to range rules:

[0027] 1. The ticket arranging unit screens the received tickets in the ticket database for circulated and unfrozen tickets.

[0028] 2. The bill type is the bill type set in the bill sorting range, and the default is bank bill and financial bill.

[0029] 3. Eliminate "return tickets".

[0030] 4. Exclude bills with a set maturity date of X days.

[0031] 5. Only select bills whose due date is greater than X days and less than Y days from the current date.

[0032] 6. If items 2 to 5 are not set in the ticketing range, the corresponding rules will be automatically skipped.

[0033] 7. Exclude selected bills.

[0034] 8. Exclude bills from 'adjustment'.

[0035] For the selected eligible bills, the votes are accumulated from smallest to largest. When the accumulated amount is greater than the queued amount, the bill is split and the newly selected bill is split. The selected bills and the transaction amount of each bill are sorted in the order of selection.

[0036] When voting, there is a scenario involving the processing of return tickets, which includes two types: the bill has been marked as a "return ticket" and is marked as a return ticket when signing or registering the receipt; when the bill is endorsed according to the endorsement path, a return ticket will be generated: whether the account name of each account on the endorsement path is the account name of the issuer on the bill or the account name of the historical endorser, if so, it is considered a return ticket.

[0037] A split payment document is based on a single payment requisition pushed by the system. The payment document is split by amount and payment method. The payee name and payee information remain unchanged during the split. Other business information, such as the expected payment date, payment method, split amount, payment remarks, purpose, summary, or notes, can be adjusted as needed. Regardless of whether the payment method is changed during the split, the system ensures that the split document amount equals the payment requisition amount. This split can only be performed once. If the split is not reasonable, it can be canceled and re-split. Similarly, if a payment document needs to be merged, the payment document is merged by amount and payment method based on a single payment requisition pushed by the system. The payee name and payee information remain unchanged during the merge. Other business information, such as the expected payment date, payment method, split amount, payment remarks, purpose, summary, or notes, can be adjusted as needed. Regardless of whether the payment method is changed during the merge, the system ensures that the amount of the new merged document equals the sum of the amounts of the merged original payment requisitions. This merge can only be performed once. If the merge is not reasonable, it can be canceled and re-merged.

[0038] All intermediate states involved in bill transactions are controlled, as detailed below:

[0039] 1. Transactions related to invoicing and payment

[0040] There will only be one bill for a new invoice, and there will be no bill splitting. The scenarios involved are as follows:

[0041] a. Return or failure before receipt: payment order fails and no bill information is returned;

[0042] b. Issue the bill normally and the other party signs for it:

[0043] During the endorsement pending receipt stage, a bill document is generated, the bill information is sent back to the endorsement pending receipt stage, and the payment order is in the endorsement pending receipt state.

[0044] After the other party signs for the receipt, the bill document is generated, the bill information is sent back for endorsement, and the payment order is in the payment success status;

[0045] c. The bill is issued normally, but the other party refuses to accept it;

[0046] Waiting for Receipt stage: The bill document is generated, the bill information is in the status of invoicing and waiting for receipt, and the payment order is in the status of invoicing and waiting for receipt;

[0047] If the other party refuses to accept the bill, we can re-initiate the business action and prompt the recipient to continue the transaction. If we are sure that the other party will not accept the bill, we can cancel the invoice. In this scenario, the bill file is generated, the bill information is returned as voided, and the payment slip is returned as payment failure.

[0048] After the other party refuses to accept the bill: the business action can be re-initiated, prompting the recipient to continue the transaction. If it is determined that the other party will definitely not accept the bill, we can cancel the invoice.

[0049] 2. Transactions involving endorsement and payment

[0050] New generation bill endorsement transactions involve two scenarios: bill splitting and non-split. If the endorsement amount equals the bill amount, the transaction proceeds directly without splitting the bill. If the endorsement amount is less than the bill amount, the bill is submitted to the bank and split into two independent bills based on the endorsement transaction amount. One bill with an amount equal to the endorsement transaction amount is used for the endorsement transaction, and the remaining amount is returned as another independent bill.

[0051] Scenarios where bills are not split:

[0052] a. The endorsement transaction was not initiated normally and the transaction failed:

[0053] The bill status does not change, the bill file is not generated, the bill information is not returned, and the payment order is in the payment failure status;

[0054] b. The transaction is successful and the other party signs for it:

[0055] During the endorsement pending receipt stage, a bill document is generated, the bill information is sent back to the endorsement pending receipt stage, and the payment order is in the endorsement pending receipt state.

[0056] After the other party signs for the receipt, the bill document is generated, the bill information is sent back for endorsement, and the payment order is in the payment success status;

[0057] c. The endorsement transaction is initiated normally, but fails after the endorsement is signed or the other party refuses to accept the endorsement:

[0058] Endorsement waiting for receipt stage,

[0059] The bill document is generated, and the bill information is sent back for endorsement pending receipt. The payment order is in the endorsement pending receipt status.

[0060] If the other party refuses to accept the payment or the endorsement fails due to incorrect recipient information, the cashier fails to manually confirm the payment, the bill file is not generated, the transaction fails when the bill information is returned, and the payment order is in the payment failure status;

[0061] Bill splitting scenario:

[0062] a. The endorsement transaction was not initiated normally and the transaction failed:

[0063] The transaction was not initiated normally, the bill was not split, the bill status did not change, the bill file was not generated, the bill information was not returned, and the payment order was in the payment failure status;

[0064] b. The transaction is successful and the other party signs for the receipt: the bill (T) is split into two, one for the endorsement transaction (T1) and the other for the remaining bill (T2). The bank will return the bill normally and no signature is required for this bill.

[0065] During the endorsement pending receipt stage, for the bill in the transaction (T1), a bill file is generated, and the bill information is returned as endorsement pending receipt, and the payment order is in the endorsement pending receipt status. For the split remaining bill (T2), a bill file is generated, and the bill information is returned as the split remaining bill, without the payment order associated information.

[0066] After the other party signs for the bill, a bill file is generated for the bill in transaction (T1), the bill information is sent back for endorsement, and the payment order is in the payment success status; for the bill in transaction (T2), no operation is performed and no data is sent back, which means that the bill has been sent back in the waiting for signature stage;

[0067] c. The endorsement transaction is initiated normally, but the transaction fails or the other party refuses to accept the endorsement after the endorsement is signed: the bill (T) is split into two, one for the endorsement transaction (T1) and the other for the remaining bill (T2). The bank will return the bill normally, and no signature is required for this bill.

[0068] During the endorsement pending receipt stage, for the bill in the transaction (T1), a bill file is generated, and the bill information is returned as endorsement pending receipt, and the payment order is in the endorsement pending receipt status. For the split remaining bill (T2), a bill file is generated, and the bill information is returned as the split remaining bill, without the payment order associated information.

[0069] If the other party refuses to accept the payment or the endorsement fails due to incorrect recipient information, the cashier manually confirms the payment failure. For the bill in the transaction (T1), no bill file is generated, the bill information is returned as transaction failure, and the payment slip is in payment failure status. For the bill in the transaction (T2), no operation is performed and no data is returned.

[0070] 3. Transactions not related to payment, such as collection, discount, and pledge

[0071] New generation bill endorsement transactions involve two scenarios: bill splitting and non-split. If the transaction amount equals the bill amount, the transaction proceeds directly without bill splitting. If the transaction amount is less than the bill amount, the bill is submitted to the bank and split into two independent bills based on the transaction amount. One bill with an amount equal to the endorsement transaction amount is used for the endorsement transaction, and the remaining amount is returned as another independent bill.

[0072] Scenarios where bills are not split:

[0073] a. The transaction was not initiated normally and failed:

[0074] The bill status does not change, the bill file is not generated, and the bill information is not returned;

[0075] b. The transaction is successful and the other party signs for it:

[0076] After the other party signs for the bill, a bill document is generated, and the bill information is returned to the corresponding transaction status, i.e., discount or pledge;

[0077] c. The transaction is initiated normally, but then fails or the other party refuses to accept the transaction:

[0078] If the other party refuses to accept the payment or the endorsement fails due to incorrect recipient information, the cashier fails to manually confirm the payment, the bill file is not generated, and the transaction fails when the bill information is returned;

[0079] Bill splitting scenario:

[0080] a. The transaction was not initiated normally and failed:

[0081] The transaction was not initiated normally, the bill was not split, the bill status did not change, the bill file was not generated, and the bill information was not returned;

[0082] b. The transaction is successful and the other party signs for the receipt: the bill (T) is split into two, one for the transaction (T1) and the other for the remaining bill (T2). The bank will return the bill normally and no signature is required for this bill.

[0083] After the other party signs for the bill, a bill file is generated for the bill in the transaction (T1), and the bill information is returned to correspond to the transaction status, i.e., discount or pledge; a bill file is generated for the bill in the transaction (T2), and the bill information is returned to split the remaining bills.

[0084] In addition, the process architecture of bill payment business is explained:

[0085] 1. First, update the status of the business transaction for the associated payment order to "Processing".

[0086] 2. Generate "Endorsement Application" bill transactions for each endorsee in the order of endorsements in the business transaction. The system automatically initiates the "Endorsement Application" bill transaction for the next endorsee when one of the following conditions is met:

[0087] ① The previous endorsee's bill transaction bill was split successfully.

[0088] ② The transaction status of the previous endorsee's bill transaction is success / failure; if the endorsement application transaction of the nth endorsee fails, the system will continue to initiate the endorsement application of the next endorsee.

[0089] 3. If the transaction status of the newly generated bill is business exception and the exception type is bill split exception, the transaction status of the corresponding business transaction will be changed to business exception, and exception handling or business exception viewing can be performed.

[0090] 4. Update the business transaction status according to the endorsee's transaction status.

[0091] 5. After initiating a bill transaction, a business transaction is generated. Before it is converted into a bill transaction, if there is an exception in the business execution, you can handle the business transaction exception on this page.

[0092] 6. After initiating the bill business, a business transaction is generated and can be queried on the transaction details interface.

[0093] 7. When paying a bill to different payees, you can initiate an endorsement application.

[0094] In the description of this embodiment, it should be noted that those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment method can be implemented by instructing the control device through a computer program, and the program can be stored in a computer-readable storage medium. When executed, the program may include the processes of the above-mentioned method embodiments, wherein the storage medium may be a memory, a disk, an optical disk, etc.

[0095] Although the present invention is disclosed as above, the present invention is not limited thereto. Any person skilled in the art can make various changes and modifications without departing from the spirit and scope of the present invention. Therefore, the scope of protection of the present invention should be based on the scope defined by the claims.

[0096] Finally, it should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of additional identical elements in the process, method, article, or device comprising the element.

[0097] The various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the various embodiments can be referenced to each other.

[0098] The above description of the disclosed embodiments is intended to enable one skilled in the art to implement or use the present invention. Various modifications to these embodiments will be readily apparent to one skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention is not limited to the embodiments shown herein but is intended to conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. An electronic ticket intelligent ticket arrangement system, characterized in that: Used to automatically match the optimal bill for payment orders. Bill payments include endorsement and new invoices for commercial and bank bills. It can be configured to automatically or manually select a single bill for payment, and each bill payment order can only select one bill for payment; including: The payment module matches the bills to the initiated payment order and completes the payment based on preset matching rules. The matching rules are composed of relevant information about the user's payment order and the intelligent bill sorting configuration method. The matching process filters directly connected bills and non-directly connected bills. The intelligent bill scheduling configuration module supports independent configuration of the matching rules, and sets preferences based on the bank for bill endorsement payment, the term of inventory bills, the balance control for bill split endorsement, the difference compensation for bill split endorsement, and endorsement scenarios. The payment method for newly issued invoices is bound to the supplier and bank, with priority given to the set issuing bank and account number.

2. The electronic ticket intelligent ticket arrangement system according to claim 1 is characterized in that: The system uses field identifiers to mark the attributes of bills receivable, including direct or indirect connection attributes; The direct-link bill includes direct-link new bill payment and direct-link bill endorsement payment. When marked as direct-link, it is sent to the bank for endorsement through the bill direct-link interface. Before sending, it is determined whether it is an old bill or a new bill, and different bill system interfaces are called accordingly. When marked as non-direct connection attribute, the endorsement payment will be transferred to the payment result registration interface for result registration processing; The bill system interface is connected to the bill direct connection interface of each major bank. After sending the bill operation instruction to the bank, it actively receives the bank processing result after the bank completes the processing, and updates the system bill status information according to the bank processing result.

3. The electronic ticket intelligent ticket arrangement system according to claim 2 is characterized in that: The bill status information can mark changes in bills during operations. When the bill endorsement payment submission is approved, the payment order status is marked as "application successful" and the direct bill status is fed back as "endorsement pending receipt". When the direct bill is successfully received and the bill direct connection interface queries the receipt status, the payment order status is updated to "payment successful" and the bill status is simultaneously updated and pushed to "received". When the indirect bill endorsement payment result registration is completed, the payment order status is updated to "Payment Successful" and the bill status is simultaneously updated to "Received".

4. The electronic ticket intelligent ticket arrangement system according to claim 3 is characterized in that: The bill status also includes bill anti-duplicate locking management, setting bill uniqueness constraints, and automatically locking the inventory bill when it is selected by any payment application. Other businesses cannot select the locked bill for endorsement, pledge or discount.

5. The electronic ticket intelligent ticket arrangement system according to claim 4 is characterized in that: Bill status also includes bill status exception management. When a bill payment is made, if a payment fails, the payment failure resend interface is displayed. The bank's return description can be used to determine the reason for the payment failure, and based on the reason, the payment can be confirmed as failed or resubmitted. The failed confirmation action does not need to be reviewed. After the operation is completed, an email reminder will be triggered and the query status of the payment interface will be updated synchronously; The failed resend action needs to be reviewed, and the instruction can only be resent once.

6. The electronic ticket intelligent ticket arrangement system according to claim 5 is characterized in that: The intelligent bill arrangement configuration module supports the settings of bill endorsement period, bill bank, bill splitting balance control, billing preference and default billing bank, and default payment account number. The bill endorsement period setting includes: when there are multiple bills in stock, the bill is voted according to the period to the bill expiration date. If the period is less than the set value, the endorsement cannot select the bill within the period range; The bank to which the bill belongs is set, including: setting bank levels, dividing banks into state-owned banks, joint-stock banks, and city commercial banks; when choosing endorsement payment, the inventory bills of niche banks are given priority through bank registration, and the order of priority when endorsing bills is joint-stock banks > state-owned banks > city commercial banks; The splitting balance control setting includes: setting endorsement splitting amount control, and the splitting balance is greater than or equal to the set critical value; The billing preferences and default billing bank settings include: supporting the binding of suppliers with billing banks and accounts; when making payments by invoicing, the bank bound to the supplier is selected by default for invoicing; suppliers who are not bound to a billing bank will use the default billing bank for invoicing and payment; The default payment account setting includes: providing a default payment account setting, and assigning a value based on the default payment account set under the payment unit.

7. An intelligent ticket sorting method for electronic bills, characterized in that: include: An intelligent ticket sorting system for electronic tickets based on any one of claims 1 to 6 is used to process intelligent ticket sorting solutions for tickets.