Bill processing method and device
By acquiring relevant information about bills to generate resource agency tasks and registering and issuing payment instructions, the inefficiency of traditional bill payment methods is solved, achieving efficient and accurate resource allocation and payment control.
Patent Information
- Application Number
- CN202511747440.8
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-11-26
- Publication Date
- 2026-02-13
AI Technical Summary
In traditional bill payment methods, payees face long cycles and inconveniences in the process of receiving bills and realizing the value of resources, resulting in low bill processing efficiency and low willingness of payees to use bills.
A bill processing method is provided, which generates resource proxy tasks by obtaining information on the drawer, payee, and payer, and registers resources and makes payment instructions to the transaction server, thereby achieving efficient allocation of resources and payment control.
It reduces the time and labor costs of bill processing, improves the efficiency and accuracy of bill processing in bill business, reduces human intervention, and achieves precise allocation of resources.
Smart Images
Figure CN121526587A_ABST
Abstract
Description
TECHNICAL FIELD
[0001] Embodiments of the present application relate to the technical field of computer, and particularly relate to a bill processing method and device. BACKGROUND
[0002] In a conventional bill payment method, a user fills in a paper blank bill, signs and seals, and then hands over the bill to a bill collector. The bill collector hands over the bill to a financial institution, such as a bank, and the financial institution's bill settlement center settles the bill.
[0003] In related technologies, the bill collector faces the difficulties of long cycle and inconvenient operation in the process of collecting bills and realizing the resources of the bill. The bill collector spends a lot of time and effort to process the bill, and the willingness of the bill collector is not high. Therefore, the efficiency of processing the bill in the bill business is low. SUMMARY
[0004] To solve the existing technical problems, embodiments of the present application provide a bill processing method and device, which can improve the efficiency of processing the bill in the bill business.
[0005] To achieve the above purpose, the technical scheme of the embodiments of the present application is as follows: In a first aspect, the embodiments of the present application provide a bill processing method, which comprises: In response to the bill completion prompt information of the target bill sent by the transaction server, obtaining the information of the biller, the information of the bill collector, the information of the payee, and the resource processing basic information corresponding to the target bill; According to the information of the biller, the information of the bill collector and the information of the payee, the resource processing instruction information corresponding to the target bill is obtained; If the resource processing instruction information is a preset first operation instruction information, the resource agent task of the target bill is generated according to the resource processing basic information; the resource agent task includes target resource quantity; Executing the resource agent task, sending the task instruction information to the transaction server, so that the transaction server performs the resource registration of the target bill corresponding to the resource processing basic information and the resource agent task based on the task instruction information; In response to the resource registration completion instruction sent by the transaction server, the resource payment instruction is sent to the payee according to the information of the payee, so that the payee allocates the payment resource corresponding to the target resource quantity to the bill collector.
[0006] The method for processing a bill provided by the embodiments of the present application comprises the following steps: in response to a bill completion prompt information of a target bill sent by a transaction server, obtaining biller information, payee information, pay-on-behalf party information and resource processing basic information corresponding to the target bill; obtaining resource processing instruction information corresponding to the target bill according to the biller information, the payee information and the pay-on-behalf party information; if the resource processing instruction information is preset first operation instruction information, generating a resource proxy task of the target bill according to the resource processing basic information; the resource proxy task comprises a target resource quantity; executing the resource proxy task, sending task instruction information to the transaction server, so that the transaction server performs resource registration of the target bill corresponding to the resource processing basic information and the resource proxy task based on the task instruction information; in response to a resource registration completion instruction sent by the transaction server, sending a resource pay-on-behalf instruction to a pay-on-behalf party according to the pay-on-behalf party information, so that the pay-on-behalf party allocates pay-on-behalf resources corresponding to the target resource quantity to a payee. The method provides a resource redemption control mechanism for bills, can reduce the time consumption and labor cost of bill processing, realizes efficient resource allocation processing for bills, and can improve the efficiency of processing bills in bill business.
[0007] In an alternative embodiment, the method further comprises: If the resource processing instruction information is preset second operation instruction information, generating proxy authorization construction prompt information corresponding to the target bill based on the biller information and the payee information; the proxy authorization construction prompt information is used to prompt the biller to determine an effective pay-on-behalf party and establish an authorization relationship of resource proxy with the payee.
[0008] In the method of the above embodiments, if the resource processing instruction information is preset second operation instruction information, proxy authorization construction prompt information corresponding to the target bill is generated based on the biller information and the payee information; the proxy authorization construction prompt information is used to prompt the biller to determine an effective pay-on-behalf party and establish an authorization relationship of resource proxy with the payee, to provide resource proxy authorization control based on the proxy authorization construction prompt information, realize efficient resource allocation processing for bills, and improve the efficiency of processing bills in bill business.
[0009] In an alternative embodiment, the method further comprises: In response to a bill application of a target bill of a first client, performing a bill operation of the target bill; If it is monitored that the bill operation of the target bill is successful, sending bill report information of the target bill to the transaction server, so that the transaction server performs bill registration on the target bill and returns bill completion prompt information.
[0010] The method of the above embodiment performs the operation of issuing the target bill in response to the application for issuing the target bill of the first client, and if it is monitored that the operation of issuing the target bill is successful, sends the information of issuing the target bill to the transaction server to make the transaction server register the operation of issuing the target bill and returns the prompt information of completing the operation of issuing. The method can correspondingly perform the operation of issuing and the registration of issuing based on the application for issuing of the client, accurately and efficiently proxy the operation of issuing the target bill, reduce the human intervention in the process of issuing the bill, realize the efficient resource allocation and processing of the bill, and improve the efficiency of processing the bill in the bill business.
[0011] In an optional embodiment, the resource processing indication information corresponding to the target bill is obtained according to the information of the bill issuer, the information of the bill receiver and the information of the proxy payment party, and includes: If the information of the proxy payment party is a valid proxy payment party identifier, and there is a resource processing proxy relationship associated with the information of the proxy payment party between the information of the bill issuer and the information of the bill receiver, the resource processing indication information corresponding to the target bill is set as the first operation indication information.
[0012] The method of the above embodiment sets the resource processing indication information corresponding to the target bill as the first operation indication information if the information of the proxy payment party is a valid proxy payment party identifier, and there is a resource processing proxy relationship associated with the information of the proxy payment party between the information of the bill issuer and the information of the bill receiver, which provides an accurate and efficient indication construction mechanism of resource processing, improves the delicacy of processing the bill, realizes the efficient resource allocation and processing of the bill, and improves the efficiency of processing the bill in the bill business.
[0013] In an optional embodiment, the resource processing indication information corresponding to the target bill is obtained according to the information of the bill issuer, the information of the bill receiver and the information of the proxy payment party, and includes: If the information of the proxy payment party is not a valid proxy payment party identifier, or there is no resource processing proxy relationship associated with the information of the proxy payment party between the information of the bill issuer and the information of the bill receiver, the resource processing indication information corresponding to the target bill is set as the second operation indication information.
[0014] The method of the above embodiment sets the resource processing indication information corresponding to the target bill as the second operation indication information if the payee information is not a valid payee identifier or there is no resource processing agent relationship associated with the payee information between the drawer information and the payee information, which can comprehensively consider the validity of the payee identifier and the corresponding resource processing agent relationship to efficiently control the proxy authorization of the bill, improve the accuracy of the processing of the bill, and realize efficient resource allocation processing of the bill, thereby further improving the efficiency of processing the bill in the bill business.
[0015] In an optional embodiment, the resource processing basic information includes bill delivery indication information and discount indication information; and the generating, according to the resource processing basic information, of the resource proxy task of the target bill includes: If the bill delivery indication information exists, generating, according to the bill delivery indication information, a bill delivery resource proxy subtask of the target bill; If the discount indication information exists, generating, according to the discount indication information, a discount resource proxy subtask of the target bill.
[0016] The method of the above embodiment provides a construction mechanism of a resource proxy task of a target bill, realizes the generation of a bill delivery resource proxy subtask and a discount resource proxy subtask by including bill delivery indication information and discount indication information in the resource processing basic information, and obtains the resource proxy task of the target bill composed of the generated subtasks. The method, which includes the bill delivery resource proxy subtask and the discount resource proxy subtask in the resource proxy task, can accurately control the bill delivery and discount of the target bill, improve the accuracy of the processing of the bill, realize efficient resource allocation processing of the bill, and further improve the efficiency of processing the bill in the bill business.
[0017] In a second aspect, the embodiments of the present application further provide a bill processing apparatus, which comprises: An information acquisition unit is configured to acquire, in response to a bill drawing completion prompt information of a target bill sent by a transaction server, drawer information, payee information, payee information, payee information, and resource processing basic information corresponding to the target bill; An indication determination unit is configured to obtain resource processing indication information corresponding to the target bill according to the drawer information, the payee information, and the payee information; A task construction unit is configured to generate, according to the resource processing basic information, a resource proxy task of the target bill if the resource processing indication information is a preset first operation indication information; and the resource proxy task includes a target resource quantity. a task response unit, configured to execute the resource agent task, and send task indication information to the transaction server, so that the transaction server performs resource registration of the target bill corresponding to the resource processing basic information and the resource agent task based on the task indication information; a dynamic payment unit, configured to send resource payment indication to the payment party according to the payment party information in response to the resource registration completion indication sent by the transaction server, so that the payment party allocates payment resource corresponding to the target resource quantity to the bill receiver.
[0018] In an optional embodiment, the apparatus further includes: an authorization management unit, configured to, if the resource processing indication information is preset second operation indication information, generate proxy authorization construction prompt information corresponding to the target bill based on the bill issuer information and the bill receiver information; the proxy authorization construction prompt information is used to prompt the bill issuer to determine a valid payment party and establish an authorization relationship of resource proxy with the bill receiver.
[0019] In an optional embodiment, the apparatus further includes: a business start unit, configured to, in response to bill issuance application of the target bill of the first client, execute bill issuance operation of the target bill; a basic proxy unit, configured to, if it is monitored that the bill issuance operation of the target bill is successful, send bill issuance reporting information of the target bill to the transaction server, so that the transaction server performs bill issuance registration of the target bill and returns bill issuance completion prompt information.
[0020] In an optional embodiment, the indication determination unit is specifically configured to: if the payment party information is a valid payment party identifier, and there is a resource processing proxy relationship associated with the payment party information between the bill issuer information and the bill receiver information, the resource processing indication information corresponding to the target bill is set as the first operation indication information.
[0021] In an optional embodiment, the indication determination unit is specifically configured to: if the payment party information is not a valid payment party identifier, or there is no resource processing proxy relationship associated with the payment party information between the bill issuer information and the bill receiver information, the resource processing indication information corresponding to the target bill is set as the second operation indication information.
[0022] In an optional embodiment, the resource processing basic information includes bill exchange indication information and discount indication information; and the task construction unit is specifically configured to: If the exchange instruction information exists, generating, according to the exchange instruction information, an exchange resource agent subtask of the target bill; If the discount instruction information exists, generating, according to the discount instruction information, a discount resource agent subtask of the target bill.
[0023] In a third aspect, the embodiments of the present application further provide a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and the computer program is executed by a processor to implement the bill processing method in the first aspect.
[0024] In a fourth aspect, the embodiments of the present application further provide an electronic device, comprising a memory and a processor, wherein the memory stores a computer program capable of running on the processor, and when the computer program is executed by the processor, the processor implements the bill processing method in the first aspect.
[0025] In a fifth aspect, the embodiments of the present application provide a computer program product, comprising computer instructions stored in a computer readable storage medium; when a processor of a computer device reads the computer instructions from the computer readable storage medium, the processor executes the computer instructions, so that the computer device executes the steps of any one of the bill processing methods.
[0026] The technical effects brought by any one of the implementation manners of the second to fifth aspects can refer to the technical effects brought by the implementation manners of the first aspect, which will not be described here. BRIEF DESCRIPTION OF DRAWINGS
[0027] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following will briefly introduce the drawings needed in the embodiment description. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative labor.
[0028] Figure 1 One of the flowcharts of the bill processing method provided by the embodiments of the present application; Figure 2 The second flowchart of the bill processing method provided by the embodiments of the present application; Figure 3 The flowchart of controlling the bill processing method provided by the embodiments of the present application; Figure 4 The flowchart of generating the resource agent task of the target bill provided by the embodiments of the present application; Figure 5A structure schematic view of a bill processing device provided by an embodiment of the present application; Figure 6 A structure schematic view of a bill processing device provided by an embodiment of the present application; Figure 7 A structure schematic view of a bill processing device provided by an embodiment of the present application; Figure 8 A structure schematic view of an electronic device provided by an embodiment of the present application. DETAILED DESCRIPTION
[0029] It should be noted that the terms "first", "second", and the like in the description and in the claims of the present application as well as above-mentioned appended drawings are intended to distinguish between similar objects and not necessarily in an ordinal sense.
[0030] In order to make the objectives, technical solutions and advantages of the present application clearer, the technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application and not all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative work fall within the scope of protection of the present application. The embodiments in the present application and the features in the embodiments can be combined with each other arbitrarily without conflict. And, although a logical order is shown in the flowchart, in some cases, the steps shown or described can be performed in an order different from here.
[0031] The terms "first" and "second" in the description and claims of the present application and above-mentioned appended drawings are used to distinguish between different objects and not to describe a specific order. It should be understood that the data used in this way can be exchanged under appropriate circumstances, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. The implementation described in the following exemplary embodiments does not represent all implementations consistent with the present application. Rather, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims. In addition, the term "comprising" and any variations thereof are intended to cover non-exclusive protection. For example, a process, method, system, product or device including a series of steps or units is not limited to the listed steps or units, but optionally also includes steps or units not listed, or optionally also includes other steps or units inherent to the process, method, product or device. "Multiple" in the present application can mean at least two, for example, can be two, three or more, and the embodiments of the present application are not limited.
[0032] Exemplary embodiments of the present application are described herein with reference to the accompanying drawings, which are meant to be exemplary in nature, and in which various details are set forth to facilitate an understanding of the application. It should be appreciated that various modifications can be made to the embodiments described herein, and that such modifications come within the scope of the present application. Likewise, to assist in the clear understanding of the present application, descriptions of known functions and constructions are omitted here. It should be noted that in the embodiments of the present application, some software, components, models and the like that are available in the industry may be mentioned, which should be considered as exemplary, and the purpose is only to illustrate the feasibility of the implementation of the technical solutions of the present application, but does not mean that the applicant has or will necessarily use the scheme.
[0033] In the technical solutions of the present application, the acquisition, transmission, storage and use of data all comply with the requirements of relevant national laws and regulations.
[0034] The technical solutions provided by the embodiments of the present application are described below with reference to the accompanying drawings.
[0035] In the traditional bill payment method, the user fills out a paper blank bill, signs and seals it, and then hands it over to the bill collector. The bill collector hands over the bill to the financial institution, such as the bill collecting bank, and the bill settlement center of the financial institution settles the bill.
[0036] In the related art, the bill collector faces the difficulty of long cycle and inconvenient operation in the process of operating the bill collection and realizing the resource of the bill. It is time-consuming and laborious to process the bill, and the willingness of the bill collector is not high. Therefore, the efficiency of processing the bill in the bill business is low.
[0037] In view of this, embodiments of this application provide a method and apparatus for processing bills. The method includes: responding to a completion notification message for a target bill sent by a transaction server; obtaining issuer information, payee information, payment agent information, and basic resource processing information corresponding to the target bill; obtaining resource processing instruction information corresponding to the target bill based on the issuer information, payee information, and payment agent information; if the resource processing instruction information is a preset first operation instruction, generating a resource proxy task for the target bill based on the basic resource processing information; the resource proxy task includes a target resource quantity; executing the resource proxy task and sending task instruction information to the transaction server, so that the transaction server registers resources for the target bill corresponding to the basic resource processing information and the resource proxy task based on the task instruction information; responding to a resource registration completion notification sent by the transaction server and sending a resource payment instruction to the payment agent based on the payment agent information, so that the payment agent allocates payment resources corresponding to the target resource quantity to the payee. This method provides a resource redemption control mechanism for bills, which can reduce the time consumption and labor costs of bill processing, achieve efficient resource allocation and processing of bills, and improve the efficiency of bill processing in bill business.
[0038] The preferred embodiments of this application are described below with reference to the accompanying drawings. It should be understood that the preferred embodiments described herein are for illustration and explanation only and are not intended to limit this application. Furthermore, the embodiments and features described in the embodiments of this application can be combined with each other without conflict.
[0039] The following provides a further explanation of the bill processing method provided in the embodiments of this application. The bill processing method provided in this application, such as... Figure 1 As shown, it includes the following steps: S101, respond to the issuance completion notification message of the target bill sent by the transaction server, and obtain the issuer information, payee information, payment agent information, and basic resource processing information corresponding to the target bill.
[0040] The ticket processing method described in this application is applied to a management server.
[0041] In practice, the management server responds to the issuance completion notification message of the target bill sent by the transaction server, and obtains the issuer information, payee information, payment agent information, and basic resource processing information corresponding to the target bill.
[0042] In the embodiments of this application, the target bill is a bill generated by the drawer submitting a bill issuance application through the business server.
[0043] In some embodiments of this application, users can log in to the business server via a client.
[0044] In some embodiments of the present application, the transaction server can be a clearing center.
[0045] In some other embodiments of the present application, the transaction server can also be a clearing house.
[0046] The following embodiments of the present application take the transaction server as a clearing house, and take a bill of exchange as an example.
[0047] For example, the management server obtains the information of the drawer, the information of the drawee, the information of the payee, and the resource processing basic information corresponding to the bill of exchange Ticket_i in response to the information of the completion of the bill of exchange Ticket_i sent by the clearing house.
[0048] S102, obtaining the resource processing instruction information corresponding to the target bill according to the information of the drawer, the information of the drawee, and the information of the payee.
[0049] In a specific implementation, the management server obtains the resource processing instruction information corresponding to the target bill according to the information of the drawer, the information of the drawee, and the information of the payee.
[0050] For example, the management server obtains the resource processing instruction information R_p_info corresponding to the bill of exchange Ticket_i according to the information of the drawer, the information of the drawee, and the information of the payee.
[0051] In an optional embodiment, the process of obtaining the resource processing instruction information corresponding to the target bill according to the information of the drawer, the information of the drawee, and the information of the payee in step S102 includes: if the information of the payee is a valid payee identifier, and there is a resource processing proxy relationship between the information of the drawer and the information of the drawee associated with the information of the payee, setting the resource processing instruction information corresponding to the target bill as the first operation instruction information.
[0052] In some embodiments of the present application, the first operation instruction information represents that the drawer and the drawee are in a valid resource processing proxy relationship.
[0053] S103, if the resource processing instruction information is the preset first operation instruction information, generating a resource proxy task of the target bill according to the resource processing basic information; the resource proxy task includes a target resource quantity.
[0054] In a specific implementation, if the resource processing instruction information is the preset first operation instruction information, the management server generates a resource proxy task of the target bill according to the resource processing basic information; the resource proxy task includes a target resource quantity.
[0055] In some embodiments of the present application, the target resource quantity represents the quantity of resources that need to be paid to the bill collector according to the face value resource quantity of the bill and the discount interest rate of the bill when the bill is cashed.
[0056] For example, if the resource processing indication information R_p_info is the preset first operation indication information Instr_1, the management server generates the resource agent task R_task of the accepted bill Ticket_i according to the resource processing basis information; the resource agent task R_task includes the target resource quantity Res_quanti.
[0057] In some embodiments of the present application, the target resource quantity is determined according to the resource processing basis information.
[0058] S104, executing the resource agent task, sending task indication information to the transaction server, so that the transaction server performs resource registration of the target bill corresponding to the resource processing basis information and the resource agent task based on the task indication information.
[0059] For example, the management server executes the resource agent task R_task, sends the task indication information task_instr to the transaction server, so that the transaction server performs resource registration of the accepted bill Ticket_i corresponding to the resource processing basis information and the resource agent task R_task based on the task indication information task_instr.
[0060] S105, in response to the resource registration completion indication sent by the transaction server, sending resource reimbursement indication to the reimbursing party according to the reimbursing party information, so that the reimbursing party allocates the reimbursing resource corresponding to the target resource quantity to the bill collector.
[0061] For example, in response to the resource registration completion indication Res_recor_co_indi sent by the transaction server, the resource reimbursement indication Res_Reimb_indi is sent to the reimbursing party according to the reimbursing party information, so that the reimbursing party allocates the reimbursing resource corresponding to the target resource quantity Res_quanti to the bill collector.
[0062] In some embodiments of the present application, the resource reimbursement indication can be generated according to the resource consideration paid for receiving the resource agent of the bill.
[0063] For example, the management server monitors whether the discount interest paid for the resource agent of the accepted bill Ticket_i is received; if it is judged that the discount interest paid for the resource agent of the accepted bill Ticket_i is received, the resource reimbursement indication corresponding to the accepted bill Ticket_i is generated.
[0064] In an embodiment of the present application, the payor allocates the pay-for resource corresponding to the target resource quantity to the payee, specifically, the payor allocates the pay-for resource corresponding to the target resource quantity of the accepted bill to the payee to realize the pay-for discount of the accepted bill.
[0065] The method of the above embodiment can realize a dynamic bill resource redemption control mechanism, can be applied to various resource pay-for scenarios, adopts various target resource quantity determination rules, can reduce the time consumption and labor cost of the bill processing process, realizes efficient resource allocation processing of the bill, and can improve the efficiency of processing the bill in the bill business
[0066] In some embodiments of the present application, the method further comprises: if the resource processing indication information is preset second operation indication information, generating proxy authorization construction prompt information corresponding to the target bill based on the bill issuer information and the payee information; the proxy authorization construction prompt information is used to prompt the bill issuer to determine an effective payor and establish an authorization relationship of resource proxy with the payee.
[0067] The present application also provides a bill processing method, as shown in Figure 2 The method comprises the following steps: S201, in response to the bill issuance completion prompt information of the target bill sent by the transaction server, obtaining the bill issuer information, the payee information, the payor information, and the resource processing basic information corresponding to the target bill.
[0068] S202, obtaining the resource processing indication information corresponding to the target bill according to the bill issuer information, the payee information, and the payor information.
[0069] S203, if the resource processing indication information is preset first operation indication information, generating the resource proxy task of the target bill according to the resource processing basic information; the resource proxy task comprises a target resource quantity.
[0070] S204, executing the resource proxy task, sending the task indication information to the transaction server, so that the transaction server performs the resource registration of the target bill corresponding to the resource processing basic information and the resource proxy task based on the task indication information.
[0071] S205, in response to the resource registration completion indication sent by the transaction server, sending the resource pay-for indication to the payor according to the payor information, so that the payor allocates the pay-for resource corresponding to the target resource quantity to the payee.
[0072] S206, if the resource processing indication information is preset second operation indication information, generating the proxy authorization construction prompt information corresponding to the target bill based on the bill issuer information and the payee information; the proxy authorization construction prompt information is used to prompt the bill issuer to determine an effective payor and establish an authorization relationship of resource proxy with the payee.
[0073] The method of the above embodiment provides resource proxy authorization control based on proxy authorization to build prompt information, realizes efficient resource allocation processing for the bill, and can improve the efficiency of processing the bill in the bill business.
[0074] In an optional embodiment, in the process of obtaining the resource processing instruction information corresponding to the target bill according to the biller information, the payee information and the pay party information in step S102, if the pay party information is not a valid pay party identifier, or if there is no resource processing proxy relationship associated with the pay party information between the biller information and the payee information, the resource processing instruction information corresponding to the target bill is set as the second operation instruction information.
[0075] In some embodiments of the present application, the second operation instruction information represents that the biller and the payee are not in an effective resource processing proxy relationship.
[0076] In some embodiments of the present application, not being in an effective resource processing proxy relationship can mean that there is no resource processing proxy relationship; in some other embodiments of the present application, not being in an effective resource processing proxy relationship can also mean that there is a resource processing proxy relationship, but the resource processing proxy relationship is in an invalid state. For example, in some embodiments, the resource processing proxy relationship can be in an invalid state due to a protocol period, a protocol state or information change.
[0077] In an optional embodiment, the bill processing method of the above embodiment further includes a process of controlling bill issuance; for example, Figure 3 As shown, the process of controlling bill issuance can be implemented through the following steps: S301, in response to the bill issuance application of the target bill of the first client, performing a bill issuance operation of the target bill.
[0078] In specific implementation, the management server performs a bill issuance operation of the target bill in response to receiving a bill issuance application of the target bill sent by the user through the first client corresponding to the business server.
[0079] S302, if it is monitored that the bill issuance operation of the target bill is successful, sending bill issuance reporting information of the target bill to the transaction server, so that the transaction server registers the bill issuance of the target bill, and returns bill issuance completion prompt information.
[0080] In specific implementation, if the management server monitors that the bill issuance operation of the target bill is successful, it sends bill issuance reporting information of the target bill to the transaction server, so that the transaction server registers the bill issuance of the target bill, and returns bill issuance completion prompt information to the management server.
[0081] The method of the embodiment can correspondingly perform the bill issuing operation and bill issuing registration based on the bill issuing application of the client, accurately and efficiently proxy the bill issuing of the target bill, reduce human intervention in the bill issuing process, realize efficient resource allocation processing of the bill, and improve the efficiency of processing the bill in the bill business.
[0082] In an optional embodiment, the resource processing basic information includes the bill delivery instruction information and the discount instruction information; in step S103, the process of generating the resource proxy task of the target bill according to the resource processing basic information includes the following steps. Figure 4 S401, if the bill delivery instruction information exists, generating the bill delivery resource proxy subtask of the target bill according to the bill delivery instruction information.
[0083] S402, if the discount instruction information exists, generating the discount resource proxy subtask of the target bill according to the discount instruction information.
[0084] In some embodiments of the present application, the business server receives the proxy bill discount information of the bill issuer and the bill collector based on the agreement signed by the bill issuer and the bill collector. The bill issuer logs in the business server through the client and initiates a bill issuing application to the management server, so that the management server and the transaction server complete the bill issuing. The bill issuing includes the bill issuing operation of the management server and the bill issuing registration of the transaction server.
[0085] In an embodiment of the present application, the proxy bill discount information includes the bill issuer account number, the bill issuer name, the bill issuer bank number, the bill collector account number, the bill collector name, the bill collector bank number, the agreement number, the agreement state, the agreement period, the discount interest rate, and the creation time.
[0086] In some embodiments, the proxy bill discount information can also include the update time.
[0087] In some embodiments, the proxy bill discount information also includes a multi-entity identifier; the multi-entity identifier includes a payment party identifier.
[0088] In some embodiments of the present application, the bill delivery resource proxy subtask and the discount resource proxy subtask are both implemented based on the proxy channel.
[0089] In some embodiments of the present application, the bill delivery resource proxy subtask includes: the management server initiates a bill delivery application to the transaction server through the proxy channel; after receiving the bill delivery application processing result information of the transaction server, if it is judged that the bill delivery application processing result information is sent by the proxy channel, the management server initiates a response application to the transaction server through the proxy channel; after receiving the bill collection response returned by the transaction server, the bill delivery is completed.
[0090] The method of the above embodiment, in response to the bill completion prompt information of the target bill, acquires the biller information, the payee information, the pay-on-behalf party information and the resource processing basic information corresponding to the target bill; obtains the resource processing instruction information according to the biller information, the payee information and the pay-on-behalf party information; if the resource processing instruction information is preset first operation instruction information, generates a resource agent task according to the resource processing basic information; executes the resource agent task, sends task instruction information to the transaction server, so that the transaction server performs resource registration of the target bill based on the task instruction information; in response to the resource registration completion instruction sent by the transaction server, sends resource pay-on-behalf instruction to the pay-on-behalf party according to the pay-on-behalf party information, so that the pay-on-behalf party allocates pay-on-behalf resources corresponding to the target resource quantity to the payee. The method can improve the efficiency of processing bills.
[0091] In some embodiments of the present application, the discount resource agent subtask includes: after the management server receives the payee response returned by the transaction server, if it is judged that the received payee response is sent through the agent channel, the management server initiates a discount application to the transaction server through the agent channel; after receiving the discount application processing result information of the transaction server, if it is judged that the received discount application processing result information is sent through the agent channel, the management server queries the agent payee discount information table to initiate a discount approval application to the pay-on-behalf party at the discount interest rate corresponding to the bill; the management server receives the discount approval result corresponding to the discount approval application sent by the pay-on-behalf party; if the discount approval result is passed, the management server sends a discount response to the transaction server through the agent channel; after the transaction server clears successfully, the management server processes the resource distribution process and distributes resources to the payee.
[0092] The bill processing method of the above embodiment, in response to the bill completion prompt information of the target bill, acquires the biller information, the payee information, the pay-on-behalf party information and the resource processing basic information corresponding to the target bill; obtains the resource processing instruction information according to the biller information, the payee information and the pay-on-behalf party information; if the resource processing instruction information is preset first operation instruction information, generates a resource agent task according to the resource processing basic information; the resource agent task includes a target resource quantity; executes the resource agent task, sends task instruction information to the transaction server, so that the transaction server performs resource registration of the target bill based on the task instruction information; in response to the resource registration completion instruction sent by the transaction server, sends resource pay-on-behalf instruction to the pay-on-behalf party according to the pay-on-behalf party information, so that the pay-on-behalf party allocates pay-on-behalf resources corresponding to the target resource quantity to the payee. The method provides a resource redemption control mechanism for bills, which can reduce the time consumption and labor cost of bill processing, realize efficient resource allocation processing for bills, and improve the efficiency of processing bills in bill business.
[0093] Based on the same inventive concept, the embodiment of the present application also provides a bill processing device. Since the device is the device corresponding to the bill processing method of the embodiment of the present application, and the principle of solving problems of the device is similar to that of the method, the implementation of the device can be referred to the implementation of the above method, and the repeated parts will not be described here.
[0094] Figure 5 The structure diagram of the bill processing device provided by the embodiment of the present application is shown. As shown in the figure, Figure 5 the bill processing device comprises an information acquisition unit 501, an indication determination unit 502, a task construction unit 503, a task response unit 504 and a dynamic payment unit 505.
[0095] The information acquisition unit 501 is configured to acquire the information of the drawer, the information of the receiver, the information of the payment party and the resource processing basic information corresponding to the target bill in response to the completion prompt information of the target bill sent by the transaction server. The indication determination unit 502 is configured to obtain the resource processing indication information corresponding to the target bill according to the information of the drawer, the information of the receiver and the information of the payment party. The task construction unit 503 is configured to generate the resource agent task of the target bill according to the resource processing basic information if the resource processing indication information is the preset first operation indication information. The resource agent task includes the target resource quantity. The task response unit 504 is configured to execute the resource agent task and send the task indication information to the transaction server, so that the transaction server registers the target bill based on the task indication information and the resource processing basic information and the resource agent task. The dynamic payment unit 505 is configured to send the resource payment indication to the payment party according to the information of the payment party in response to the resource registration completion indication sent by the transaction server, so that the payment party allocates the payment resource corresponding to the target resource quantity to the receiver.
[0096] In an optional embodiment, as shown in the figure, Figure 6 the device further comprises: The authorization management unit 601 is configured to generate the proxy authorization construction prompt information corresponding to the target bill based on the information of the drawer and the information of the receiver if the resource processing indication information is the preset second operation indication information. The proxy authorization construction prompt information is used to prompt the drawer to determine the valid payment party and establish the authorization relationship of the resource agent with the receiver.
[0097] In an optional embodiment, as shown in the figure, Figure 7 the device further comprises: The business starting unit 701 is configured to execute the drawing operation of the target bill in response to the drawing application of the target bill of the first client. The basic proxy unit 702 is configured to, if it is monitored that the bill issuing operation of the target bill is successful, send bill issuing reporting information of the target bill to the transaction server, so that the transaction server registers the bill issuing of the target bill and returns bill issuing completion prompt information.
[0098] In an optional embodiment, the indication determination unit 502 is specifically configured to: If the payee information is a valid payee identifier, and there is a resource processing proxy relationship between the bill issuer information and the bill receiver information associated with the payee information, the resource processing indication information corresponding to the target bill is set as the first operation indication information.
[0099] In an optional embodiment, the indication determination unit 502 is specifically configured to: If the payee information is not a valid payee identifier, or there is no resource processing proxy relationship between the bill issuer information and the bill receiver information associated with the payee information, the resource processing indication information corresponding to the target bill is set as the second operation indication information.
[0100] In an optional embodiment, the resource processing basic information includes exchange bill indication information and discount indication information; the task construction unit 503 is specifically configured to: If the exchange bill indication information exists, the exchange bill resource proxy subtask of the target bill is generated according to the exchange bill indication information; If the discount indication information exists, the discount resource proxy subtask of the target bill is generated according to the discount indication information.
[0101] Based on the same inventive concept as the above method embodiments, the present embodiment also provides an electronic device. The electronic device can be used for processing bills. The electronic device in the embodiment of the present application can be a server or a terminal device. When the electronic device is a terminal device, its structure is similar to that when the electronic device is a server. In an embodiment, the electronic device is a server, and in this embodiment, the structure of the electronic device can be as shown in Figure 8
[0102] The memory 801 is used to store the computer programs executed by the processor 802. The memory 801 can mainly include a program storage area and a data storage area, wherein the program storage area can store an operating system, programs required for running instant messaging functions and the like; and the data storage area can store various instant messaging information and operation instruction sets and the like.
[0103] The memory 801 can be a volatile memory, such as a random-access memory (RAM), or a non-volatile memory, such as a read-only memory, a flash memory, a hard disk drive (HDD) or a solid-state drive (SSD), or any other medium capable of storing and carrying desired program code in the form of instructions or data structures and accessible by a computer, but not limited to the above. The memory 801 can be a combination of the above memories.
[0104] The processor 802 can include one or more central processing units (CPUs) or digital processing units, etc. The processor 802 is used to implement the above-mentioned bill processing method when calling the computer program stored in the memory 801.
[0105] The communication module 803 is used to communicate with electronic devices and other terminals or servers.
[0106] The specific connection medium between the above-mentioned memory 801, communication module 803 and processor 802 is not limited in the embodiments of the present application. In the embodiments of the present application, the memory 801 and the processor 802 are connected through a bus 804, and the bus 804 is represented by a thick line in the embodiments of the present application. The connection mode between other components is only schematically illustrated and is not limited. The bus 804 can be divided into an address bus, a data bus, a control bus, etc. For convenience of representation, only one thick line is used to represent the bus 804 in the embodiments of the present application, but it does not mean that there is only one bus or only one type of bus. Figure 8 Figure 8 Figure 8
[0107] The embodiments of the present application also provide a computer storage medium, which stores computer executable instructions. The computer executable instructions are used to implement the bill processing method described in any of the embodiments of the present application.
[0108] The embodiments of the present application also provide a computer program product or a computer program, which includes computer instructions stored in a computer readable storage medium. When a processor of a computer device reads the computer instructions from the computer readable storage medium, the processor executes the computer instructions, so that the computer device executes the bill processing method in any of the above-mentioned embodiments.
[0109] The program product can employ any combination of one or more computer readable media or storage media. A computer readable medium or storage medium can be, for example, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable medium or storage medium include the following: an electrical connection having one or more wires, a portable disc, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
[0110] The above description is only specific embodiments of the present application, but the protection scope of the present application is not limited thereto, and any person skilled in the art can easily think of changes or replacements within the technical range disclosed in the present application, which should be covered within the protection scope of the present application.
Claims
1. A method for processing invoices, characterized in that, include: In response to the issuance completion notification message of the target bill sent by the transaction server, obtain the issuer information, payee information, payer information, and basic resource processing information corresponding to the target bill; Based on the issuer information, the payee information, and the payer information, resource processing instruction information corresponding to the target bill is obtained; If the resource processing instruction information is a preset first operation instruction information, then a resource proxy task for the target ticket is generated based on the resource processing basic information; the resource proxy task includes the target resource quantity. The resource proxy task is executed, and task instruction information is sent to the transaction server so that the transaction server can register the resource of the target ticket corresponding to the resource processing basic information and the resource proxy task based on the task instruction information. In response to the resource registration completion instruction sent by the transaction server, a resource payment instruction is sent to the payment agent based on the payment agent information, so that the payment agent allocates payment resources corresponding to the target resource quantity to the ticket recipient.
2. The method according to claim 1, characterized in that, The method further includes: If the resource processing instruction information is a preset second operation instruction information, then an agency authorization construction prompt information corresponding to the target bill is generated based on the issuer information and the payee information; the agency authorization construction prompt information is used to prompt the issuer to identify a valid payment agent and establish a resource agency authorization relationship with the payee.
3. The method according to claim 1, characterized in that, The method further includes: In response to the issuance request of the target bill from the first client, execute the issuance operation of the target bill; If the issuance of the target bill is detected as successful, the issuance reporting information of the target bill is sent to the transaction server so that the transaction server can register the issuance of the target bill and return an issuance completion prompt message.
4. The method according to claim 1, characterized in that, The step of obtaining resource processing instruction information corresponding to the target bill based on the issuer information, the payee information, and the payer information includes: If the payer information is a valid payer identifier, and there is a resource processing agency relationship between the issuer information and the payee information that is associated with the payer information, then the resource processing instruction information corresponding to the target bill is set as the first operation instruction information.
5. The method according to claim 2, characterized in that, The step of obtaining resource processing instruction information corresponding to the target bill based on the issuer information, the payee information, and the payer information includes: If the payer information is not a valid payer identifier, or if there is no resource processing agency relationship associated with the payer information between the issuer information and the payee information, then the resource processing instruction information corresponding to the target bill is set as the second operation instruction information.
6. The method according to claim 1, characterized in that, The basic information for resource processing includes bill delivery instruction information and discounting instruction information; the resource agency task for generating the target bill based on the basic information for resource processing includes: If the ticket delivery instruction information exists, then a ticket delivery resource agent subtask for the target ticket is generated based on the ticket delivery instruction information; If the discount instruction information exists, then a discount resource agent subtask for the target bill is generated based on the discount instruction information.
7. A device for processing tickets, characterized in that, The device includes: The information acquisition unit is used to respond to the issuance completion prompt information of the target bill sent by the transaction server, and acquire the issuer information, payee information, payer information, and resource processing basic information corresponding to the target bill; The instruction determination unit is used to obtain resource processing instruction information corresponding to the target bill based on the issuer information, the payee information and the payer information; A task construction unit is configured to generate a resource proxy task for the target ticket based on the resource processing basic information if the resource processing instruction information is a preset first operation instruction information; the resource proxy task includes the target resource quantity. The task response unit is used to execute the resource proxy task and send task instruction information to the transaction server so that the transaction server can perform resource registration of the target ticket corresponding to the resource processing basic information and the resource proxy task based on the task instruction information. The dynamic payment unit is used to respond to the resource registration completion instruction sent by the transaction server, and send a resource payment instruction to the payment party according to the payment party information, so that the payment party allocates payment resources corresponding to the target resource quantity to the ticket recipient.
8. The apparatus according to claim 7, characterized in that, The device further includes: The authorization management unit is used to generate an agent authorization construction prompt message corresponding to the target bill based on the issuer information and the payee information if the resource processing instruction information is a preset second operation instruction information; the agent authorization construction prompt message is used to prompt the issuer to identify a valid agent and establish a resource agent authorization relationship with the payee.
9. The apparatus according to claim 7, characterized in that, The device further includes: The business initiation unit is used to respond to the issuance request of the target bill from the first client and execute the issuance operation of the target bill; The basic agent unit is used to send the issuance reporting information of the target bill to the transaction server if the issuance operation of the target bill is detected to be successful, so that the transaction server can register the issuance of the target bill and return the issuance completion prompt information.
10. The apparatus according to claim 7, characterized in that, The instruction determining unit is specifically used for: If the payer information is a valid payer identifier, and there is a resource processing agency relationship between the issuer information and the payee information that is associated with the payer information, then the resource processing instruction information corresponding to the target bill is set as the first operation instruction information.
11. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, it implements the method of any one of claims 1 to 6.
12. An electronic device, characterized in that, It includes a memory and a processor, wherein the memory stores a computer program that can run on the processor, and when the computer program is executed by the processor, it implements the method of any one of claims 1 to 6.
13. A computer program product, characterized in that, It includes computer instructions stored in a computer-readable storage medium; when a processor of a computer device reads the computer instructions from the computer-readable storage medium, the processor executes the computer instructions, causing the computer device to perform the steps of any one of claims 1 to 6.