A kind of industry and finance integration current account management method and system for precious metal industry

Abstract

The application discloses a kind of industry and finance integration current account management method and system for precious metal industry.The method comprises: setting unified "arrears" subject to comprehensively represent current balance;Precious metal materials are included in accounting as currency;Establish the current account detail table aggregated with multi-source business data and the real-time updated current account statistics table;Provide "material settlement" and "present settlement" function, and automatically process accounting update based on rigorous numerical calculation logic.The system includes financial settings, payment operations, data processing engines and other modules.The application solves the management problem of "material and money separation" in precious metal industry through deep integration of industry and finance and innovative data model, and realizes the simplification, automation and integrated management of current account.

Description

[0001] In the field of financial management software technology, it particularly relates to an accounting system and method applicable to the precious metal production and trading industry, capable of uniformly handling cash and precious metal material transactions. Background Technology

[0002] In the precious metals manufacturing and trading industry, raw materials (such as gold, silver, platinum, and palladium) are often treated as "hard currency" for settlement in actual business operations. However, traditional financial management systems have inherent flaws: complex account settings (prepayments, accounts receivable, and accounts payable) are unfriendly to non-financial personnel; the flow of precious metal materials is only recorded in the inventory module, separated from financial receipts and payments, resulting in a disconnect between "materials" and "cash" management, making it impossible to intuitively view the overall transaction situation and causing difficulties in reconciliation; and there is a lack of native support for industry-specific settlement scenarios such as "materials offsetting cash" and "cash offsetting materials." Therefore, there is an urgent need in this field for an innovative accounts receivable / payable management solution that can monetize precious metal materials and deeply integrate business and financial data. Summary of the Invention

[0003] The purpose of this invention is to overcome the shortcomings of the existing technology and provide a method and system for managing accounts receivable and payable in the precious metals industry. Through a unified “debt” account and an innovative data model, it achieves integrated and automated management of cash and precious metal transactions.

[0004] To achieve the above objectives, the present invention adopts the following technical solution.

[0005] A method for managing accounts receivable and payable in the precious metals industry, the key of which includes the following steps: S1: System initialization: Configure payment type and currency type, including conventional currency and precious metal currency; perform initial settings, and enter the initial outstanding payments and / or material shortage balances for business objects; S2: Construct a unified data model: Establish a data structure consisting of a payment and receipt operation table, a payment and receipt record table, a receivables and payable details table, and a receivables and payable statistics table; the receivables and payable details table aggregates and records receivables and payable data from sales, purchasing, outbound, inbound, receipt, and payment documents; the receivables and payable statistics table is a real-time list based on the details table, reflecting the current outstanding payment / material shortage status of each business object; S3: Receive and process business operations: Receive user instructions through the payment and receipt operation table, including instructions for receiving payments, making payments, adjusting accounts, opening balances, cash settlement for materials in short supply, and cash settlement for materials in short supply; generate financial documents based on the instructions and update relevant data tables; S4: Performs core numerical calculations and account updates: Based on preset numerical calculation logic, it automatically updates accounts receivable and payable. Its core logic includes: Balance rolling calculation: Current order debt = Previous order debt + Current order amount; Current order material debt = Previous order material debt + Current order material debt. The numerical signs follow a uniform rule: positive numbers indicate "the other party owes us," and negative numbers indicate "we owe the other party." Precious metal conversion logic: All non-pure precious metal materials are converted to pure weight according to purity and then recorded in accounts receivable and payable. Special business logic: Material Shortage Settlement: Generate a receipt record and simultaneously generate a material change record in the accounts receivable / payable details, where the material for this order = the weight of the material to be offset; Cash Outstanding Material Settlement: Generate a receipt record (this order amount = deductible amount), and at the same time generate a change record of "payment" in the accounts receivable / payable details, and call the inventory interface to generate a change record of inventory; S5: Provides query and output functions: Provides query, print and export functions for account details, statistics and accompanying bills.

[0006] A system for implementing the above method, characterized in that it comprises: Financial settings module: used to configure payment types and currency types; Payment and receipt operation module: Provides a graphical interface for performing various financial operations; Business data interface module: Used to receive and transform business data from the sales, purchasing, and inventory modules; Data processing engine: This is the core component, embedding the numerical calculation logic and responsible for handling all accounting changes; Data storage module: used to store payment and receipt records, account details, and statistical tables; The query and reporting module is used to display various accounting data and reports to users. Attached Figure Description Figure 1 This is a schematic diagram of the system architecture provided in an embodiment of the present invention. Figure 2 This is a flowchart of the "material shortage settlement" operation data processing provided in an embodiment of the present invention. Figure 3 This is a flowchart of the data processing for the "insufficient on-site material settlement" operation provided in an embodiment of the present invention. Detailed Implementation The present invention will now be described in detail with reference to the accompanying drawings and embodiments.

[0007] Example 1: System Initialization and Account Transaction Logic: refer to Figure 1 After the system starts, the administrator enters initial data for supplier A: Initial outstanding balance (CNY) = -1000 yuan (our side owes the other party) Initial shortfall (Au) = -10 grams (Our side owes the other side gold material) Accounting event 1: Entering a purchase order: When purchasing 100g of 750‰ pure 18K gold, the system automatically performs a weight calculation: Weight (Au) = 100g × (750 / 1000) = 75g. This purchase order is recorded in the accounts receivable / payable as follows: Order amount (CNY) = -500 yuan, Material (Au) = -75g. The system automatically updates the accounts receivable / payable statistics table based on the rolling balance calculation logic: New debt (CNY) = (-1000) + (-500) = -1500 yuan New shortage (Au) = (-10) + (-75) = -85 grams.

[0008] Example 2: Shortage Settlement Operation (Numerical Demonstration): Assume customer B's current account balance is as follows: Outstanding balance (CNY) = 5000 yuan, Outstanding material balance (Au) = 50 grams. When a user executes the "Settle Outstanding Materials" operation, they should enter the actual amount received (CNY) = 10,000 yuan, and the weight of the materials offset (Au) = 20 grams. After confirmation, the data processing engine executes: Generate a new payment record in the payment record table (this order amount = +10,000 yuan), the new outstanding amount remains unchanged. Generate a change record for "material" in the accounts receivable / payable details table (material (Au) for this order = -20 grams). Update the accounts receivable / payable statistics table: New debt (CNY) = 5000 + 0 = 5000 yuan New missing material (Au) = 50 + (-20) = 30 grams.

[0009] Example 3: Short-term material settling operation (numerical demonstration): Assume that customer C's current account balance is as follows: outstanding amount (CNY) = 3000 yuan, and unsold materials (Au) = 40 grams.

[0010] When a user performs the "Payment in Cash to Settle Material" operation, they should enter the amount to be deducted (CNY) = 2000 yuan and the weight of the material received (Au) = 10 grams.

[0011] After confirmation, the data processing engine executes: Generate a receipt record in the payment record table (this order amount = -2000 yuan). Generate a change record for "Amount" in the accounts receivable / payable details report (Amount of this transaction (CNY) = -2000 yuan). Call the inventory interface to generate a "Debt in Stock" activity record (10 grams of gold material received). Update accounts receivable / payable statistics table (C3): New debt (CNY) = 3000 + (-2000) = 1000 yuan New shortage (Au) = 40 - 0 = 40 grams (Note: This operation does not directly change the "shortage" and the inventory record is independent).

[0012] This invention simplifies the complex multi-account financial system into an innovative model that uses a unified "debt" account as its core and manages both cash and precious metal materials. Through rigorous numerical calculation logic and a real-time updated statistical mechanism, it achieves deep integration and automated processing of business and financial data, effectively solving the unique pain points of the precious metals industry.

Claims

1. A method for managing accounts receivable and payable in the precious metals industry, characterized in that, The method includes: A unified account for accounts receivable and payable is set up to represent the overall balance of accounts receivable and payable with business partners, and its numerical symbols are uniformly used to represent the direction of receivables and payables. Incorporate precious metal materials into the financial accounting system as one or more precious metal currencies; Create a detailed account statement to aggregate and record transaction data from sales, purchasing, outbound, inbound, collection and payment documents; Establish an accounts receivable / payable statistics table, which serves as a real-time list that is calculated and updated in real time based on the accounts receivable / payable details table, reflecting the current outstanding payments / material shortage status of each business entity; In response to user operation commands, the accounts receivable / payable details table and accounts receivable / payable statistics table are automatically updated based on preset numerical calculation algorithms; wherein, the user operation commands include the "settlement of outstanding materials" command and the "settlement of outstanding materials" command.

2. The method according to claim 1, characterized in that, The execution of the "outstanding material settlement" instruction includes: generating a receipt or payment record, and simultaneously generating a record reflecting the write-off of precious metal materials in the accounts receivable / payable details table, wherein the value of the "materials in this order" field is the negative value of the weight of the offset materials filled in.

3. The method according to claim 1, characterized in that, The execution of the "Cash Outstanding Payment" instruction includes: generating a payment record with a negative amount for this order, simultaneously generating a change record for a clause in the accounts receivable / payable details table, and calling the inventory interface to generate a material entry record.

4. The method according to claim 1, characterized in that, The numerical calculation logic includes a balance rolling calculation logic, the calculation formula of which is: current order amount = previous order amount - current order amount, and follows the unified numerical symbol rules.

5. The method according to claim 1, characterized in that, The method also includes a precious metal conversion logic, which converts the weight of non-pure precious metal materials into pure weight according to their purity before recording it in the accounts receivable / payable details table.

6. An accounts receivable / payable management system for implementing the method as described in any one of claims 1 to 5, characterized in that, The system includes: The financial settings module is used to configure currency types and payment types; The payment and receipt operation module is used to provide a user interface to receive operation instructions including "settlement of outstanding materials" and "settlement of outstanding materials". The data processing engine is the core component, which embeds the numerical calculation logic and is used to automatically update accounts in response to the operation instructions and data from other business modules. The data storage module is used to store payment and receipt records, accounts receivable / payable details, and accounts receivable / payable statistics. The query and reporting module provides visualization, printing, and export functions for the aforementioned accounts receivable / payable details and accounts receivable / payable statistics.

7. The system according to claim 6, characterized in that, The system also includes a business data interface module, which receives business document data from the sales, purchasing and inventory management modules and converts it into a format that the data processing engine can process.

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