Safety control device and method for fund payment based on integration of construction and finance

Abstract

The application relates to a fund payment safety control device and method based on construction and finance fusion, and belongs to the technical field of fund payment safety control. The device comprises a business information platform, an SMS platform, an engineering project management system, a financial management system, a hardware encryption machine, an authorized decryption device and the like structures. The device fuses construction project business with finance and fund payment, breaks through the whole chain of business, finance and bank fund revenue and expenditure through digital technology, realizes data sharing, reduces the fund payment error rate, ensures fund safety, makes fund payment safer, more accurate and more convenient, and improves efficiency.

Description

Technical Field

[0001] This invention belongs to the field of fund payment security control technology, specifically relating to a fund payment security control device and method based on the integration of construction and financial systems. Background Technology

[0002] There are many shortcomings in the financial security control of existing construction and installation projects. These shortcomings are mainly manifested in the separation of business and finance, the lack of effective linkage between construction and installation business and finance, and the "disconnection" of multiple business links such as business document review, financial accounting, and fund payment. The separation of business and finance has not achieved deep integration. In particular, the separation of project business process and project fund payment process makes it difficult to effectively guarantee the security of fund payment, resulting in fund payment insecurity. The above phenomena are particularly prominent in construction and installation companies in the power industry.

[0003] Therefore, proposing a method for deep integration of construction and installation projects with finance is an urgent problem to be solved in the field of fund payment security control technology. Summary of the Invention

[0004] The purpose of this invention is to address the shortcomings of existing technologies and provide a fund payment security control device based on the integration of construction and financial operations. This device integrates construction project business with finance and fund payment, and uses digital technology to connect the entire chain of business, finance and bank fund receipts and payments, realize data sharing, reduce the error rate of fund payment, ensure fund security, make fund payment safer, more accurate and convenient, and improve efficiency.

[0005] To achieve the above objectives, the technical solution adopted by the present invention is as follows: A fund payment security control device based on the integration of construction and finance includes: The Enterprise Messaging Platform is used for users to enter login information and send a random verification code to the SMS platform when logging in; it is also used to compare the verification code entered by the user when logging into the device with the random verification code sent by the Enterprise Messaging Platform. If the comparison results match, the user is allowed to log in to the device; if the comparison results do not match, the user is not allowed to log in to the device. The SMS platform, connected to the enterprise messaging platform, is used to receive time-limited, random verification codes issued by the enterprise messaging platform and forward them to the logged-in user's mobile phone. The project management system is connected to the enterprise information platform and is used for the management of construction and installation project information; The financial management system is connected to the engineering project management system and is used for financial management. The project management system includes an expenditure module. The financial management system includes an accounting module and a fund payment module; The expenditure module is used to synchronously send the construction and installation engineering business documents and their corresponding electronic payment documents generated in the engineering project management system to the accounting module of the financial management system. The accounting module receives documents from the expenditure module and performs financial accounting. It automatically associates accounting subjects according to the expense type and automatically generates accounting vouchers. If the accounting is successful, the construction and installation engineering business documents and their corresponding electronic payment documents are sent to the payment module. Otherwise, the construction and installation engineering business documents and their corresponding electronic payment documents are returned to the financial management system, and a message indicating that the accounting failed is displayed. The funds payment module is used to receive construction and installation engineering business documents and their corresponding electronic payment documents. The cashier reviews the documents and generates payment document data, which is then sent to China Merchants Bank CBS. It is also used to receive payment result information and bank statements returned by China Merchants Bank CBS, which are then stored in the funds payment module. The hardware encryption device is connected to the payment module and is used to encrypt payment document data. The authorized decryption device, connected to China Merchants Bank's CBS, is used to decrypt payment document data. CMB CBS connects to the systems of various banks and is used to decrypt the received encrypted payment document data through authorized decryption devices. After the fund management personnel review the fund payment, the decrypted payment document data is exchanged with various banks to realize direct bank-enterprise payment. Then, the bank receipt and bank transaction information are pushed to the fund payment module of the financial management system. An identity authentication platform used for the registration, replacement, and cancellation of UKEYs; The identity authentication platform is connected to the fund payment module and China Merchants Bank CBS, respectively, and is used for staff identity authentication.

[0006] Furthermore, preferably, the login information includes an account and a password.

[0007] Furthermore, preferably, the payment module encrypts and sends the payment document data to China Merchants Bank's CBS via a dedicated network line.

[0008] Furthermore, preferably, the identity authentication platform also includes a UKEY registration module, a UKEY replacement module, and a UKEY cancellation module; The UKEY registration module is used for UKEY registration. The UKEY replacement module is used for replacing UKEY keys; The UKEY cancellation module is used for UKEY recycling and cancellation.

[0009] Furthermore, preferably, the banks mentioned include the Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, China Merchants Bank, Industrial Bank, Yunnan Rural Credit Cooperative, and Qujing Commercial Bank.

[0010] The fund payment security control method based on the integration of construction and finance, using the aforementioned fund payment security control device based on the integration of construction and finance, includes the following steps: Step (1), personnel involved in fund payment log in to the Enterprise Credit Platform: Users need to enter their password and valid verification code to log in to the Enterprise Credit Platform; Step (2), Business side initiates: After logging into the Enterprise Credit Platform, you will be redirected to the Project Management System, where business personnel fill in business documents and enter the corresponding invoice data; Step (3), Business side review: Initiate the business document review process, then review the authenticity of the business and the accuracy of the invoice amount, and generate the electronic payment document corresponding to the construction and installation engineering business document; Step (4), financial side review: The project management system pushes the construction and installation business documents and their corresponding electronic payment documents to the financial management system. The accounting personnel perform financial accounting through the accounting module and generate accounting vouchers. The electronic payment document data after accounting is approved is encrypted through a hardware encryption machine and then transmitted to China Merchants Bank CBS. Step (5), Fund Payment: Receive encrypted data pushed by the financial management system, decrypt it through the authorized decryption device, and complete the fund payment review in CMB CBS after decryption; CMB CBS and the bank conduct encrypted data interaction to realize fund payment.

[0011] In this invention, the enterprise information platform has realized a secure access platform with unified account management, providing comprehensive security protection for enterprise IT systems.

[0012] In this invention, the hardware encryption device includes an encryption chip, a processor, a memory, and input / output interfaces. The encryption chip is the core component, employing an advanced RSA security encryption algorithm to ensure the security of financial payment data in this device.

[0013] The financial system of this invention may involve business modules such as budgeting, accounting, and fund management.

[0014] In this invention, accounting work can be performed by accounting personnel through the accounting module, or it can be done automatically.

[0015] The main feature of this invention is the establishment of an internal dedicated line for data exchange between construction and installation companies in the power industry and China Merchants Bank's CBS. This deeply integrates the business and financial aspects of construction and installation projects, constructing a secure payment control device that replaces traditional offline methods such as corporate online banking for fund payments, thus mitigating fund security risks. By leveraging data sharing and data integration technology, it unifies business flow, data flow, and fund flow, achieving online business data and transparent business approvals. This prevents risks such as fictitious projects, fictitious costs, fictitious invoices, misappropriation of fees, and fraudulent settlements from the source, streamlining the entire fund payment business chain, and achieving secure control over the entire project fund payment process. This ensures accurate, convenient, and secure fund payments, guaranteeing fund security.

[0016] Compared with the prior art, the beneficial effects of this invention are as follows: This invention provides a fund payment security control device and method based on the integration of construction and financial functions. The device has a novel structure and is easy to use. It integrates construction project business with finance and fund payment, and uses digital technology to connect the entire chain of business, finance and bank fund receipts and payments, realize data sharing, reduce the error rate of fund payment, ensure fund security, and make fund payment safer, more accurate and convenient, thereby improving efficiency.

[0017] Currently, the device of this invention has been fully applied in 53 large collective construction and installation enterprises under Yunnan Power Grid. Through the application of this safety control device, business and financial barriers have been broken down, efficiency has been improved and costs have been reduced, and data has truly empowered business.

[0018] After more than a year of promotion and application, the device of this invention has achieved several key benefits: First, by deeply integrating business and financial data, it enables online business data processing and transparent business approval, reducing the risk of corruption and improving the overall operational quality and efficiency of the company. Second, it automatically generates accounting vouchers, saving approximately 90% of the workload compared to traditional manual voucher filling, and significantly improving the work efficiency of financial accounting personnel, saving approximately 60% of their workload. Third, the fund payment security control device makes fund payments safer, enabling the error-free, safe, accurate, and efficient payment of 7.24 billion yuan. Attached Figure Description

[0019] Figure 1 This is a schematic diagram of the fund payment security control device based on the integration of construction and finance according to the present invention. Detailed Implementation

[0020] The present invention will now be described in further detail with reference to the embodiments.

[0021] Those skilled in the art will understand that the following embodiments are for illustrative purposes only and should not be construed as limiting the scope of the invention. Where specific techniques or conditions are not specified in the embodiments, they are performed in accordance with the techniques or conditions described in the literature in the field or according to the product instructions. Materials or equipment whose manufacturers are not specified are all conventional products that can be obtained by purchase.

[0022] like Figure 1 As shown, the fund payment security control device based on the integration of construction and financial functions includes: Enterprise Messaging Platform 1 is used for users to enter login information and send a random verification code to SMS Platform 2 when logging in; it is also used to compare the verification code entered by the user when logging into the device with the random verification code sent by Enterprise Messaging Platform 1. If the comparison results match, the user is allowed to log in to the device; if the comparison results do not match, the user is not allowed to log in to the device. SMS platform 2, connected to enterprise messaging platform 1, is used to receive time-limited valid random verification codes issued by enterprise messaging platform 1 and forward them to the logged-in user's mobile phone; The project management system 3 is connected to the enterprise information platform 1 and is used for the management of construction and installation project information. Financial Management System 5 is connected to Project Management System 3 and is used for financial management. The project management system 3 is equipped with an expenditure module 4; The financial management system 5 includes an accounting module 6 and a fund payment module 7; The expenditure module 4 is used to synchronously send the construction and installation engineering business documents and their corresponding electronic payment documents generated in the engineering project management system 3 to the accounting module 6 of the financial management system 5. The accounting module 6 is used to receive documents from the expenditure module 4 for financial accounting. It automatically associates accounting subjects according to the expense type and automatically generates accounting vouchers. If the accounting is successful, the construction and installation engineering business documents and their corresponding electronic payment documents are sent to the payment module 7. Otherwise, the construction and installation engineering business documents and their corresponding electronic payment documents are returned to the financial management system 5, and a message indicating that the accounting failed is displayed. The funds payment module 7 is used to receive the construction and installation engineering business documents and their corresponding electronic payment documents. The cashier reviews the electronic documents and generates payment document data, which is then sent to China Merchants Bank CBS12. It is also used to receive payment result information and bank statements returned by China Merchants Bank CBS12, which are then stored in the funds payment module.

[0023] The hardware encryption device 13 is connected to the fund payment module 7 and is used to encrypt the payment document data. The authorized decryption device 14 is connected to the CBS12 of China Merchants Bank and is used to decrypt payment document data. CMB CBS12, connected to various bank systems, is used to decrypt received encrypted payment document data through authorized decryption device 14, and then have the funds management personnel review the fund payment (specifically, the review can be conducted by specific fund management personnel and ultimately by the head of the fund management group). After both reviews are passed, the decrypted payment document data is exchanged with various banks to realize direct bank-enterprise payment, and then the bank receipt and bank transaction information are pushed to the fund payment module 7 of the financial management system 5. Identity authentication platform 8 is used for the registration, replacement, and cancellation of UKEY; The identity authentication platform 8 is connected to the fund payment module 7 and China Merchants Bank CBS12 respectively, and is used for staff identity authentication.

[0024] Specifically, the login information includes username and password.

[0025] Specifically, the payment module 7 sends the payment document data to China Merchants Bank's CBS via a dedicated network line.

[0026] Specifically, the identity authentication platform 8 also includes a UKEY registration module 9, a UKEY replacement module 10, and a UKEY cancellation module 11; Among them, UKEY registration module 9 is used for UKEY registration; UKEY replacement module 10 is used for UKEY replacement; UKEY cancellation module 11 is used for UKEY recycling and cancellation.

[0027] The fund payment security control method based on the integration of construction and finance, using the aforementioned fund payment security control device based on the integration of construction and finance, includes the following steps: Step (1), personnel involved in fund payment log in to the Enterprise Credit Platform: Users need to enter their password and valid verification code to log in to the Enterprise Credit Platform; Step (2), Business side initiates: After logging into the Enterprise Credit Platform, you will be redirected to the Project Management System, where business personnel fill in business documents and enter the corresponding invoice data; Step (3), Business side review: Initiate the business document review process, then review the authenticity of the business and the accuracy of the invoice amount, and generate the electronic payment document corresponding to the construction and installation engineering business document; Step (4), financial side review: The project management system pushes the construction and installation business documents and their corresponding electronic payment documents to the financial management system. The accounting personnel perform financial accounting through the accounting module and generate accounting vouchers. The electronic payment document data after accounting is approved is encrypted through a hardware encryption machine and then transmitted to China Merchants Bank CBS. Step (5), Fund Payment: Receive encrypted data pushed by the financial management system, decrypt it through the authorized decryption device, and complete the fund payment review in CMB CBS after decryption; CMB CBS and the bank conduct encrypted data interaction to realize fund payment.

[0028] The logical structure of this invention involves an enterprise information platform, an SMS platform, an engineering project management system, a financial management system, a China Merchants Bank CBS system, an identity authentication platform, a hardware encryption machine, and an authorized decryption device. These multiple systems collaborate to achieve business-finance integration and secure fund payments. The specific operation process is as follows: 1. For personnel involved in fund payments logging into the Enterprise Messaging Platform: To ensure the integrity and confidentiality of communications, the Enterprise Messaging Platform uses the OpenSSL open-source encryption algorithm. The SSL protocol sits between the TCP / IP protocol and various application layer protocols, utilizing data encryption technology to ensure that data is not intercepted or eavesdropped on during network transmission. Login passwords and sensitive information are transmitted encrypted to prevent data theft during transmission. A password and a valid SMS verification message within five minutes are required to log in to the Enterprise Messaging Platform.

[0029] 2. Business side initiation: After being redirected to the project management system through the enterprise information platform, the business personnel first fill in the business documents and enter the corresponding invoice data; 3. Business side review: The business personnel initiate the document review process, which is then transferred to the business department (unit) personnel to review and verify the authenticity of the business and the accuracy of the amount.

[0030] 4. Financial side review: The project management system pushes data to the accounting module of the financial management system. After the business side review is approved, the finance department performs business document accounting, mainly reviewing the authenticity of the business and the standardization of the form filling. After the finance department completes the accounting, the asset payment stage begins. To ensure the security of fund payment, the fund payment stage is subject to three levels of review. On the finance side, the accounting personnel first perform document accounting as the first level of review, and the payment document data after accounting is approved is encrypted through a hardware encryption machine and transmitted to China Merchants Bank CBS through a dedicated line.

[0031] 5. Fund Payment: The system receives encrypted data pushed by the fund management module of the financial system, decrypts it through an authorized decryption device, and then conducts second and third level reviews on the CMB CBS. These reviews are conducted by specific fund management personnel and ultimately by the head of the fund management team. After the reviews are approved, the CMB CBS conducts encrypted data exchange with the bank to achieve secure and efficient direct bank-enterprise fund payment, ensuring the safety of fund payments.

[0032] Application Examples

[0033] This explanation uses the example of online secure payment for professional subcontracting fees in construction and installation projects.

[0034] Project staff accessed the website https: / / ims.ynydtk.com:8443 via PC. They obtained an SMS verification code and used it along with their password to log in to the enterprise credit management platform, which redirected them to the project management system. They then filled out the "Project Payment Application" form, selecting "Professional Subcontracting" as the cost caliber. When filling out the form, the invoice information was automatically verified and deduplicated using an OCR invoice intelligent recognition application. A green invoice record indicated successful verification. The invoice content and image data were automatically retrieved and filled into the business form, ensuring a perfect match between the invoice data and the image, significantly reducing the workload of financial auditing. The system also intelligently matched cost categories based on the invoice content, making form filling convenient and efficient. After completion, the project staff sent the form to the next stage personnel for document review.

[0035] After the business side completes its review, the data is transferred to the finance department for accounting. A mapping is established between commonly used expense types and financial accounting categories. For example, business side project personnel travel expenses correspond to the financial side expense item "travel expenses." During the accounting process, the system intelligently maps and generates journal entries and automatically generates intelligent summaries, thus achieving rapid and intelligent automatic generation of accounting vouchers. After financial review and processing, the data proceeds to the final payment stage.

[0036] In the payment process, direct bank-enterprise payment ensures security. A three-tiered review system is implemented, requiring a customized U-key for each tier. First, the cashier logs into the financial information system to review project personnel expense reports (including construction engineering documents and their corresponding electronic payment documents), entering the U-key password for review. If the review fails, the application is returned to the business personnel. Upon approval, the data is transferred to the China Merchants Bank CBS (China Merchants Bank's payment processing system). An authorized decryption device decrypts the payment document data transmitted from the financial management system, and the CBS then conducts final approval for the second and third tiers of payment. After the third-tier review, the CBS calls upon the front-end machines of each bank to implement direct bank-enterprise payment and sends the received payment receipt and bank transaction information back to the financial management system's payment module. This improves the efficiency of cashiers and ensures secure, accurate, and fast payments.

[0037] The foregoing has shown and described the basic principles, main features, and advantages of the present invention. Those skilled in the art should understand that the present invention is not limited to the above embodiments. The embodiments and descriptions in the specification are merely illustrative of the principles of the invention. Various changes and modifications can be made to the invention without departing from its spirit and scope, and all such changes and modifications fall within the scope of the present invention as claimed. The scope of protection of this invention is defined by the appended claims and their equivalents.

Claims

1. A fund payment security control device based on the integration of construction and financial systems, characterized in that, include: Enterprise messaging platform (1) is used for users to enter login information and send a random verification code to SMS platform (2) when logging in. It is also used to compare the verification code entered by the user when logging into the device with the random verification code issued by the enterprise information platform (1). If the comparison results are consistent, the user is allowed to log into the device. If the comparison results are inconsistent, the user is not allowed to log in to the device; The SMS platform (2) is connected to the enterprise information platform (1) and is used to receive the time-limited valid random verification code issued by the enterprise information platform (1) and forward it to the mobile phone of the logged-in user; The project management system (3) is connected to the enterprise information platform (1) and is used for the management of construction and installation project information; The financial management system (5) is connected to the engineering project management system (3) and is used for financial management; The project management system (3) is equipped with an expenditure module (4); The financial management system (5) includes an accounting module (6) and a fund payment module (7); The expenditure module (4) is used to send the construction and installation business documents and their corresponding electronic payment documents generated in the project management system (3) to the accounting module (6) of the financial management system (5). The accounting module (6) is used to receive the documents from the expenditure module (4) for financial accounting. It automatically associates accounting subjects according to the expense type and automatically generates accounting vouchers. If the accounting is successful, the construction and installation business documents and their corresponding electronic payment documents are sent to the payment module (7) at the same time; otherwise, the construction and installation business documents and their corresponding electronic payment documents are returned to the financial management system (5) and the accounting is not successful. The fund payment module (7) is used to receive the construction and installation engineering business documents and their corresponding electronic fund payment documents. The cashier reviews the documents and generates payment document data which is then sent to the CMB CBS (12). It is also used to receive the payment result information and bank statements returned by the CMB CBS (12), which are then stored in the fund payment module (7). The hardware encryption machine (13) is connected to the fund payment module (7) and is used to encrypt the payment document data; The authorized decryption device (14) is connected to the CBS (12) of China Merchants Bank and is used to decrypt the payment document data; CMB CBS (12) is connected to the systems of various banks. It is used to decrypt the received encrypted payment document data through the authorized decryption device (14) and then the fund management personnel conduct fund payment review. After the review is approved, the decrypted payment document data is exchanged with various banks to realize direct bank-enterprise payment. Then, the bank receipt and bank transaction information are pushed to the fund payment module (7) of the financial management system (5). An identity authentication platform (8) is used for the registration, replacement, and cancellation of UKEY; The identity authentication platform (8) is connected to the fund payment module (7) and China Merchants Bank CBS (12) respectively, and is used for the identity authentication of staff.

2. The fund payment security control device based on the integration of construction and financial systems as described in claim 1, characterized in that, The login information includes username and password.

3. The fund payment security control device based on the integration of construction and finance as described in claim 1, characterized in that, The payment module (7) sends the payment document data to China Merchants Bank CBS via a dedicated network line with encryption.

4. The fund payment security control device based on the integration of construction and finance as described in claim 1, characterized in that, The identity authentication platform (8) also includes a UKEY registration module (9), a UKEY replacement module (10), and a UKEY cancellation module (11). Among them, the UKEY registration module (9) is used for UKEY registration; UKEY replacement module (10) is used for UKEY replacement; The UKEY cancellation module (11) is used for UKEY recycling and cancellation.

5. The fund payment security control device based on the integration of construction and finance as described in claim 1, characterized in that, The banks mentioned include the Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, China Merchants Bank, Industrial Bank, Yunnan Rural Credit Cooperative, and Qujing Commercial Bank.

6. A fund payment security control method based on the integration of construction and financial functions, employing the fund payment security control device based on the integration of construction and financial functions as described in any one of claims 1 to 5, characterized in that, Includes the following steps: Step (1), personnel involved in fund payment log in to the Enterprise Credit Platform: Users need to enter their password and valid verification code to log in to the Enterprise Credit Platform; Step (2), Business side initiates: After logging into the Enterprise Credit Platform, you will be redirected to the Project Management System, where business personnel fill in business documents and enter the corresponding invoice data; Step (3), Business side review: Initiate the business document review process, then review the authenticity of the business and the accuracy of the invoice amount, and generate the electronic payment document corresponding to the construction and installation engineering business document; Step (4), financial side review: The project management system pushes the construction and installation business documents and their corresponding electronic payment documents to the financial management system. The accounting personnel perform financial accounting through the accounting module and generate accounting vouchers. The electronic payment document data after accounting is approved is encrypted through a hardware encryption machine and then transmitted to China Merchants Bank CBS. Step (5), Fund Payment: Receive encrypted data pushed by the financial management system, decrypt it through the authorized decryption device, and complete the fund payment review in CMB CBS after decryption; CMB CBS and the bank conduct encrypted data interaction to realize fund payment.

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