A smart expense reimbursement and life needs matching system

Abstract

This invention provides an intelligent expense reimbursement and lifestyle service matching system, relating to the field of expense reimbursement systems. Its features include: a unified user management module, a platform data center, an intelligent expense reimbursement subsystem, and a lifestyle service matching subsystem. The platform data center includes a data isolation and access control unit for isolating data between the intelligent expense reimbursement subsystem and the lifestyle service matching subsystem, and for implementing access control. The unified user management module provides identity authentication services. The intelligent expense reimbursement subsystem connects to multi-source consumption data authorized by users and automatically processes the reimbursement process based on preset rules. The lifestyle service matching subsystem receives user-posted lifestyle service requests and matches and manages fulfillment with registered third-party service providers. The advantages of this invention are: simplified reimbursement process, improved processing efficiency, secure data isolation and operation, and the ability to meet diverse work and life needs.

Description

Technical Field

[0001] This invention relates to the field of reimbursement systems, and in particular to an intelligent reimbursement and life needs matching system. Background Technology

[0002] With the development of digital technology, more and more companies are starting to use fast and convenient expense reimbursement systems to meet the work needs of their employees. However, existing technologies cannot efficiently process expense reimbursements for personal expenses. The two reimbursement areas and methods are independent of each other and cannot provide corresponding services in a systematic way.

[0003] Traditional expense reimbursement systems heavily rely on employees manually entering expense information, collecting and uploading corresponding data. This process is cumbersome, time-consuming, and labor-intensive, and is prone to delays or failures due to forgetting or losing receipts. Meanwhile, automated data capture systems cannot bypass the Personal Information Protection Law to directly capture relevant receipt information, resulting in insufficient privacy and security, and thus hindering their proper functioning.

[0004] In the field of life services, there are corresponding service platforms, but these platforms are disconnected from the corporate office environment and employee welfare system, making it difficult to obtain efficient and reliable connection services on general platforms, and thus failing to achieve effective resource information sharing and linkage.

[0005] Therefore, there is an urgent need for an intelligent reimbursement and life needs matching system that can efficiently reimburse expenses and coordinate the management of life services and information security. Summary of the Invention

[0006] To achieve the above-mentioned objectives, the technical solution adopted by this invention is as follows:

[0007] A smart expense reimbursement and life needs matching system includes: a unified user management module, a platform data middleware, a smart expense reimbursement subsystem, and a life needs matching subsystem;

[0008] The platform data middleware includes a data isolation and access control unit, which is used to physically or logically isolate the reimbursement business data of the intelligent reimbursement subsystem from the life service business data of the life needs docking subsystem, and implement role-based access control.

[0009] The unified user management module provides a unified identity authentication service for the intelligent reimbursement subsystem and the life needs docking subsystem.

[0010] The intelligent reimbursement subsystem is used to connect to multi-source consumption data authorized by the user and automatically process the reimbursement process based on preset rules.

[0011] The aforementioned life needs matching subsystem is used to receive life service requests posted by users and to match and manage the fulfillment of these requests with third-party service providers that have joined the platform.

[0012] As an improvement, the intelligent reimbursement subsystem includes:

[0013] The compliant data access unit is used to connect to at least one of the following authorized data sources via application programming interfaces (APIs): the bank system designated by the enterprise, the electronic invoice service platform of the State Taxation Administration, and the enterprise resource planning (ERP) system.

[0014] The invoice processing unit is used to automatically verify and extract information from the acquired electronic invoices or invoices.

[0015] The intelligent risk control unit has a built-in configurable expense reimbursement rule engine for automated review and risk identification of expense reimbursement applications. Among them, for preset small expense reimbursement scenarios, there are fast review channels based on amount, consumption category and merchant.

[0016] The reimbursement process execution unit is used to execute the reimbursement application submission, approval process, financial payment, and accounting integration process.

[0017] As an improvement, the compliant data access unit is also used for:

[0018] Receive encrypted billing files uploaded by user terminals from third-party payment platforms;

[0019] The encrypted billing file is parsed in the user terminal's local or system security environment to extract structured consumption data;

[0020] After data extraction is complete, delete or isolate the original encrypted billing file.

[0021] As an improvement, the subsystem for connecting with living needs includes:

[0022] The demand publishing unit provides a structured demand publishing template, which includes at least the service category, time, location, and budget fields.

[0023] The service provider management unit is used to manage the qualification information, service capability tags, and historical evaluations of the third-party service providers that have joined the platform.

[0024] The intelligent matching engine is used to recommend services based on the user's published needs, combined with the service provider's capability tags, geographical location, reputation score, and real-time status.

[0025] The online performance unit is used to provide functions such as electronic agreement signing, confirmation of key nodes in the service process, platform-guaranteed payment, and two-way evaluation after the service.

[0026] As an improvement, the life needs matching subsystem focuses on corporate welfare application scenarios, and its preset service categories include at least health care, family education support or family affairs agency; the online performance unit also integrates online dispute submission and mediation processes.

[0027] As an improvement, it also includes: a dual-track points management module;

[0028] The dual-track points management module includes: a first points track, which is associated with the user's compliance behavior or efficiency contribution in the intelligent reimbursement subsystem;

[0029] The second points track is associated with the user's consumption behavior or participation in platform activities in the aforementioned life needs docking subsystem;

[0030] The dual-track points management module allows enterprise administrators to independently configure acquisition rules, consumption rules, and redemption paths for the two points tracks.

[0031] As an improvement, the points in the second points track can be used to redeem discounts on standardized services or goods purchased by enterprises and pre-installed in the life needs matching subsystem; and the accumulation and consumption of points in the second points track do not directly affect the reimbursement amount, approval authority and process of the intelligent reimbursement subsystem.

[0032] As an improvement, the platform's data middleware also includes a privacy compliance engine for encrypting or de-identifying the storage of sensitive personal information in the system; controlling the scope of data collection by each subsystem in accordance with the principle of data minimization; and recording independent audit logs for all operations involving sensitive personal data.

[0033] As an improvement, the system is implemented with a microservice architecture that separates the front-end and back-end. The intelligent reimbursement subsystem and the life needs docking subsystem are independently deployed microservice groups that communicate and exchange data through the service bus of the platform's data middleware.

[0034] The beneficial effects of this invention are as follows: by configuring a unified user management module, convenient operation and management of users can be realized. At the same time, expense reimbursement and living needs can be managed separately, ensuring that work data and personal data are separated and do not interfere with each other, avoiding privacy leakage, and meeting both expense reimbursement and living needs.

[0035] By configuring the platform's data middleware, it can work with multiple management apps and systems for third-party supervision, while also working with a unified user management module for detailed data classification and management, enabling automated organization and operation of reimbursement data.

[0036] By configuring the risk control management unit, small-amount reimbursements and registered merchants can be identified and recorded, reducing the corresponding process time and improving the overall reimbursement efficiency.

[0037] By configuring two sets of subsystems, vertical expense reimbursement management can be achieved, simplifying the overall usage logic. Furthermore, by matching reliable merchants, a service loop is realized, further improving service quality and convenience. Attached Figure Description

[0038] Figure 1 This is a flowchart illustrating the intelligent reimbursement and life needs matching system of the present invention. Detailed Implementation

[0039] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this application, and not all of the embodiments. Based on the embodiments of this application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of this application.

[0040] It should be noted that the terms "first" and "second" in this application are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of indicated technical features. Therefore, a feature defined as "first" or "second" may explicitly or implicitly include at least one of that feature. In the description of this application, "multiple" means at least two, such as two, three, etc., unless otherwise explicitly specified. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion. For example, a process, method, system, product, or apparatus that includes a series of steps or units is not limited to the listed steps or units, but may optionally include steps or units not listed, or may optionally include other steps or units inherent to these processes, methods, products, or apparatuses.

[0041] like Figure 1As shown, an intelligent expense reimbursement and lifestyle service matching system includes: a unified user management module, a platform data platform, an intelligent expense reimbursement subsystem, and a lifestyle service matching subsystem. The platform data platform includes a data isolation and access control unit, used to physically or logically isolate the expense reimbursement data of the intelligent expense reimbursement subsystem from the lifestyle service data of the lifestyle service matching subsystem, and implement role-based access control. The unified user management module provides unified identity authentication services for the intelligent expense reimbursement subsystem and the lifestyle service matching subsystem. The intelligent expense reimbursement subsystem is used to connect to multi-source consumption data authorized by users and automatically process the reimbursement process based on preset rules. The lifestyle service matching subsystem is used to receive lifestyle service requests published by users and match and manage the fulfillment of these requests with participating third-party service providers. The unified user management module can connect with individuals via a mobile APP terminal and, in conjunction with the platform data platform, classify information, separating work content from personal life. The unified user management module allows administrators to tag individual personnel to prioritize and categorize work requirements, ensuring efficient workflow.

[0042] The intelligent reimbursement subsystem includes: a compliance data access unit, used to connect to at least one of the following authorized data sources via an application programming interface (API): a bank system designated by the enterprise, the electronic invoice service platform of the State Taxation Administration, and an enterprise resource planning (ERP) system; a document processing unit, used to automatically verify and extract information from acquired electronic invoices or documents; an intelligent risk control unit, with a built-in configurable reimbursement rule engine, used to automatically review and identify risks in reimbursement applications, including a fast review channel based on amount, consumption category, and merchant for preset small-amount reimbursement scenarios; and a reimbursement process execution unit, used to execute the reimbursement application submission, approval process, financial payment, and accounting integration process. The compliance data access unit is also used to: receive encrypted bill files uploaded by user terminals from third-party payment platforms; parse the encrypted bill files in the user terminal's local environment or a secure system environment to extract structured consumption data; and delete or isolate the original encrypted bill files after data extraction. Corresponding processing logs are retained after the file encryption and parsing operations are completed, facilitating information retrieval by administrators.

[0043] The life needs matching subsystem includes: a needs posting unit, providing structured needs posting templates, which at least include service category, time, location, and budget fields; a service provider management unit, used to manage the qualification information, service capability tags, and historical evaluations of third-party service providers; an intelligent matching engine, used to recommend services based on the user's posted needs, combined with the service provider's capability tags, geographical location, reputation score, and real-time status; and an online fulfillment unit, used to provide electronic agreement signing, confirmation of key service process nodes, platform-guaranteed payment, and two-way evaluation functions after service. The life needs matching subsystem focuses on corporate welfare application scenarios, and its preset service categories include at least health care, family education support, or family affairs assistance; the online fulfillment unit also integrates online dispute submission and mediation processes. The third-party service information is stored and recorded via the internet, facilitating traceability and judgment by administrators.

[0044] It also includes a dual-track points management module; the dual-track points management module includes: a first points track, associated with the user's compliant behavior or efficiency contribution in the intelligent reimbursement subsystem; and a second points track, associated with the user's consumption behavior or participation in platform activities in the lifestyle needs matching subsystem; the dual-track points management module allows enterprise administrators to independently configure acquisition rules, consumption rules, and redemption paths for the two points tracks. Points in the second points track can be used to redeem discounts on standardized services or goods purchased by the enterprise and pre-installed in the lifestyle needs matching subsystem; and the accumulation and consumption of points in the second points track do not directly affect the reimbursement amount, approval authority, or process of the intelligent reimbursement subsystem.

[0045] The platform's data middleware also includes a privacy compliance engine for encrypting or de-identifying sensitive personal information within the system; adhering to the principle of data minimization to control the scope of data collection by each subsystem; and recording independent audit logs for all operations involving sensitive personal data. The system is implemented using a front-end / back-end separated microservice architecture. The intelligent reimbursement subsystem and the life needs interface subsystem are independently deployed microservice groups, communicating and exchanging data through the service bus of the platform's data middleware. In use, the public security platform can connect to the system through the administrator to assist in data collection and confidentiality checks and management.

[0046] Example: After system deployment, users can log in using a uniformly assigned account and password. After identity verification in the same user management module, data isolation and access control of the corresponding platform data middleware are activated. Commonly used expense reimbursement interfaces and life service interfaces are automatically generated based on the user's job information. When expense reimbursement is required, the compliance data access unit of the intelligent sub-reimbursement system is activated, and the specified bank card consumption data information is obtained. At the same time, a secondary authorization password is displayed. After authentication, the corresponding key information is automatically retrieved and uploaded, and then the confidential information is destroyed. After the expense reimbursement data is uploaded, the expense reimbursement process execution unit will automatically approve it according to the preset approval process, and then connect to the company's financial system to start the corresponding payment process.

[0047] When users have specific needs, they can switch to the corresponding lifestyle service section and select a sub-category service or submit their specific needs directly. After the platform reviews the request, it will be placed into the third-party service data pool according to the category. At this time, third-party merchants can accept the order according to the needs, connect with the user and fulfill the contract online. After signing a detailed contract, the record will be uploaded.

[0048] The above description is merely a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. An intelligent reimbursement and life needs interfacing system, characterized in that, include: The system includes a unified user management module, a platform data middleware, an intelligent reimbursement subsystem, and a life needs docking subsystem. The platform data middleware includes a data isolation and access control unit, which is used to physically or logically isolate the reimbursement business data of the intelligent reimbursement subsystem from the life service business data of the life needs docking subsystem, and implement role-based access control. The unified user management module provides a unified identity authentication service for the intelligent reimbursement subsystem and the life needs docking subsystem. The intelligent reimbursement subsystem is used to connect to multi-source consumption data authorized by the user and automatically process the reimbursement process based on preset rules. The aforementioned life needs matching subsystem is used to receive life service requests posted by users and to match and manage the fulfillment of these requests with third-party service providers that have joined the platform.

2. The intelligent reimbursement and life needs matching system according to claim 1, characterized in that, The intelligent reimbursement subsystem includes: The compliant data access unit is used to connect to at least one of the following authorized data sources via application programming interfaces (APIs): the bank system designated by the enterprise, the electronic invoice service platform of the State Taxation Administration, and the enterprise resource planning (ERP) system. The invoice processing unit is used to automatically verify and extract information from the acquired electronic invoices or invoices. The intelligent risk control unit has a built-in configurable expense reimbursement rule engine for automated review and risk identification of expense reimbursement applications. Among them, for preset small expense reimbursement scenarios, there are fast review channels based on amount, consumption category and merchant. The reimbursement process execution unit is used to execute the reimbursement application submission, approval process, financial payment, and accounting integration process.

3. The intelligent reimbursement and life needs matching system according to claim 2, characterized in that, The compliant data access unit is also used for: Receive encrypted billing files uploaded by user terminals from third-party payment platforms; The encrypted billing file is parsed in the user terminal's local or system security environment to extract structured consumption data; After data extraction is complete, delete or isolate the original encrypted billing file.

4. The intelligent reimbursement and life needs matching system according to claim 1, characterized in that, The subsystem for connecting with living needs includes: The demand publishing unit provides a structured demand publishing template, which includes at least the service category, time, location, and budget fields. The service provider management unit is used to manage the qualification information, service capability tags, and historical evaluations of the third-party service providers that have joined the platform. The intelligent matching engine is used to recommend services based on the user's published needs, combined with the service provider's capability tags, geographical location, reputation score, and real-time status. The online performance unit is used to provide functions such as electronic agreement signing, confirmation of key nodes in the service process, platform-guaranteed payment, and two-way evaluation after the service.

5. The intelligent reimbursement and life needs matching system according to claim 4, characterized in that, The life needs matching subsystem focuses on corporate welfare application scenarios, and its preset service categories include at least health care, family education support or family affairs agency; the online performance unit also integrates online dispute submission and mediation processes.

6. The intelligent reimbursement and life needs matching system according to claim 1, characterized in that, Also includes: Dual-track points management module; The dual-track points management module includes: a first points track, which is associated with the user's compliance behavior or efficiency contribution in the intelligent reimbursement subsystem; The second points track is associated with the user's consumption behavior or participation in platform activities in the aforementioned life needs docking subsystem; The dual-track points management module allows enterprise administrators to independently configure acquisition rules, consumption rules, and redemption paths for the two points tracks.

7. The intelligent reimbursement and life needs matching system according to claim 6, characterized in that, The points earned in the second points track can be used to redeem discounts on standardized services or goods purchased by the enterprise and pre-installed in the life needs matching subsystem; and the accumulation and consumption of points in the second points track do not directly affect the reimbursement amount, approval authority and process of the intelligent reimbursement subsystem.

8. The intelligent reimbursement and life needs matching system according to claim 1, characterized in that, The platform's data middleware also includes a privacy compliance engine for encrypting or de-identifying sensitive personal information in the system; adhering to the principle of data minimization to control the scope of data collected by each subsystem; and recording independent audit logs for all operations involving sensitive personal data.

9. A smart reimbursement and life needs matching system according to claims 1 to 8, characterized in that, The system is implemented using a microservice architecture that separates the front-end and back-end. The intelligent reimbursement subsystem and the life needs docking subsystem are independently deployed microservice groups that communicate and exchange data through the service bus of the platform's data middleware.

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