34 results about "Bank statement" patented technology

The invention discloses a bank flow risk assessment method and an application system. The method comprises the following steps: acquiring first multi-modal data; wherein the first multi-modal data comprises a bank statement, equipment information corresponding to the bank statement, a user portrait corresponding to the equipment information, a social network relationship and a geographic position; inputting the first multi-modal data into a risk scoring model to obtain a risk level corresponding to the first multi-modal data; and performing risk monitoring according to the risk level. In this way, the accuracy and efficiency of a financial institution for identifying the enterprise fund flow state and the potential risk can be improved.

Methods, systems, and computer-readable storage media for providing a set of column pairs, each column pair including a column of a bank statement table, and a column of a super invoice table, each column pair corresponding to a modality, the super invoice table including at least one row including data associated with multiple invoices, for each column pair, determining a feature descriptor based on an operator, a feature vector being provided based on feature descriptors of the set of column pairs, inputting the feature vector to a ML model that processes the feature vector to determine a probability of a match between the bank statement, and a super invoice represented by the super invoice table, and outputting a binary output representing one of a match and no match between the bank statement, and the super invoice based on the probability.

A system (100) for automating the reconciliation of payroll checks and direct debits with bank statements in an ERP system, comprising: a) a payroll data extraction module configured to retrieve payroll records from a payroll database, including pay details, check numbers, and direct debit amounts; b) a bank statement integration module configured to retrieve bank transaction records from an associated bank account, including check numbers, direct debit references, transaction amounts, and transaction dates; c) a reconciliation module configured to automatically compare the payroll data with the bank transaction records based on predefined criteria, such as check numbers, payment amounts, and transaction dates;d) a discrepancy resolution module configured to enable user intervention in the event of non-matching transactions and to permit manual adjustments and updates; e) a reporting and audit trail module configured to generate reports detailing the reconciliation process and providing an audit trail of the actions performed during the reconciliation process; f) a real-time notifications and alerts module configured to send notifications of discrepancies or required actions to the relevant users; and g) an ERP integration and synchronization module configured to update the financial data, including bank balances and general ledger entries, within the ERP system upon successful reconciliation.

The invention relates to an OCR (Optical Character Recognition)-based bank account bill automatic processing method. The method comprises the following steps: inputting bank account bill data in various formats; judging whether the document format is a picture format, and converting the document format into the picture format; constructing a watermark and seal identification model; removing the watermark and the seal on the picture; character recognition is carried out, and character content in the picture is extracted to form a text; reconstructing the text according to a table plate of the original document or picture; and adjusting and confirming the reconstructed table structure to obtain formatted table data, and exporting the formatted table data into Excel and JSON formats. Manual operation can be reduced, and the data processing efficiency is improved; the OCR and NLP technologies are combined, so that high-accuracy information extraction is realized; watermarks or seals can be automatically detected and removed, and the quality of text recognition is improved; format output of Excel, JSON and the like is supported, and subsequent analysis and storage are facilitated; the method has a verification function, and ensures the accuracy and integrity of final data.

AI-driven multi-agent system (100) for financial reconciliation, comprising: a data ingestion agent configured to collect financial data from various sources, including bank statements, enterprise resource planning (ERP) systems, and general ledgers; a transaction matching agent that uses artificial intelligence (AI) to identify and match relevant transactions based on predefined rules and machine learning models; an anomaly detection agent that uses machine learning algorithms to detect discrepancies, fraudulent activity, and missing transactions; an exception handling agent configured to categorize discrepancies, suggest corrective actions, and escalate unresolved exceptions for manual review; an agent to verify compliance with financial regulations, tax policies and accounting standards; an audit module that produces detailed, audit-ready reconciliation reports; a learning module that continuously improves system accuracy through adaptive AI-based learning models; a real-time processing engine that enables continuous transaction monitoring and reconciliation.

A mechanism for reconciling unreconciled bank statement lines with corresponding accounting book entries in an online bookkeeping service. A machine-configurable similarity measurement model is applied to quantify similarity of an unreconciled bank statement line to each of a set of historical bank statement line reconciliations for a specific user, to identify a most similar line reconciliation, and upon satisfaction of a threshold, to automatically reconcile the unreconciled bank statement line with extracted accounting book entry details from the identified reconciliation.

This invention relates to the field of payment and settlement technology, and discloses a method and system for aggregated settlement and clearing processing in cross-border payment scenarios. The method involves: receiving cross-border payment and receipt transaction instructions from multiple channels and creating multiple clearing groups for standard transaction objects, while simultaneously calculating the net position of each clearing group; determining a risk control plan for each net position based on its RMB equivalent net amount; encapsulating the approved net positions in the risk control plan into standard messages, and submitting the standard messages to the CIPS front-end gateway to complete cross-border net clearing and receive a message acceptance receipt returned by the CIPS front-end gateway, thus obtaining an electronic bank statement. This invention reduces the number of net positions that need to be submitted to the CIPS front-end gateway, lowers the channel cost of cross-border clearing, and thus solves the node load imbalance problem under static configuration routing mode, improving the overall throughput stability of cross-border clearing messages during peak periods.

The present invention provides a method and system for verifying bank statement data. The method includes preprocessing the bank statement data to be verified to obtain processed statement data; performing a first verification on the processed statement data based on first feature data to obtain a first verification value; performing a second verification on the processed statement data based on second feature data to obtain a second verification value; performing a third verification on the processed statement data based on third feature data to obtain a third verification value; performing a fourth verification on the processed statement data based on fourth feature data to obtain a fourth verification value; and completing the verification of the processed statement data based on the first verification value, the second verification value, the third verification value, and the fourth verification value. By performing four verification processes on the bank statement data, the present invention can improve the accuracy of verification and also facilitate the improvement of data supervision.

The invention discloses a method and a device for identifying a business subject without a business license by using bank flow in the technical field of data processing. The method comprises the following steps: acquiring flow data of all bank cards under a personal name within a set time; according to the method, all the flow data are preprocessed to obtain the transaction opponent data and the transaction abstract data of different dimensions, and the flow of the transaction rejecting field and the flow of the abstract rejecting field generated by corresponding non-business properties are rejected from the transaction opponent data and the transaction abstract data of different dimensions. The identified flow data is further reduced, statistics is carried out on the number of corresponding fields contained in the remaining transaction opponent data and transaction abstract data of different dimensions, the number of obtained corresponding fields is compared with a first preset value and a second preset value, personal operation or non-operation subjects are identified, data are removed from multiple angles, and the identification efficiency is improved. And the identification of the individual business subject without the business license is accurate and rapid.

Periodic bank statements may be created that are dynamic and interactive. Financial transactions of users can be ingested and similar users clustered together. The financial transactions of users can be displayed and additional insights generated using a large language model.

An automated financial reconciliation and reporting system (100) using AI and SAP integration, comprising: a data extraction module configured to interface with SAP platforms to retrieve financial transaction data; a data preprocessing and normalization unit that processes and standardizes the extracted data and resolves discrepancies in formats, missing entries, and inconsistencies between different SAP modules; an AI-based reconciliation engine that uses machine learning algorithms and rule-based logic to reconcile transactions across various ledgers, bank statements, and financial records; an anomaly detection module that analyzes financial data in real time, detects inconsistencies, unusual patterns, and potential fraud, and generates alerts for user actions; a reporting and visualization module that creates automated, customizable reconciliation reports, financial summaries, and real-time dashboards for users.

This invention discloses a method and system for automatic accounting based on natural language, invoices, bank statements, and payroll, belonging to the field of financial automation technology. This invention utilizes four functional modules—intent parsing, voucher generation, risk assessment, and report generation—to collaboratively generate accounting vouchers from at least one data source, including natural language business descriptions, invoices, bank statements, and payroll. After compliance and risk assessment, it automatically generates financial reports, achieving a fully automated accounting loop from user instructions to financial statements. This invention decouples intelligent decision-making from data execution in a layered manner, improving accounting efficiency and accuracy, reducing errors and tax risks, and can be widely applied in enterprise financial software and financial automation scenarios.

The invention relates to the technical field of financial data processing, in particular to a bank reconciliation bill intelligent identification optimization system and method based on multi-modal fusion, and the method comprises the steps: obtaining an image, a text and selectable audio data of a reconciliation bill through a multi-modal data collection module; after preprocessing and feature extraction, geometric correction and character recognition are carried out by using an image correction and character analysis module; the method is characterized in that a pre-training large language model based on a Transform architecture is introduced as a core of a multi-modal fusion and structured output module, and the model deeply fuses visual features, text semantics and audio context information through a cross attention mechanism to realize deep understanding of the overall structure of a bill and transaction logic. And finally, directly outputting a standardized structured recognition result. According to the method, the accuracy and robustness of bank key information identification in a complex scene are remarkably improved, and the method can be directly applied to automatic processes such as financial auditing and financial risk control.

The embodiment of the invention provides a bank statement document identification method and device, equipment and a storage medium, and relates to the field of financial science and technology. The method comprises the following steps: acquiring a bank flow image, and preprocessing the bank flow image; inputting the preprocessed bank flow image into a region detection model to obtain a detection result output by the region detection model; performing adaptive threshold adjustment processing on the plurality of target areas to obtain a plurality of optimized target areas; based on an ORC image recognition technology, the bank flow in the multiple target areas is recognized, the defects that in the prior art, the recognition rate is low and the error rate is high are overcome, and the effect of accurately positioning and analyzing the bank flow data in the images when facing the bank flow images without tables is achieved.

The present invention discloses a data processing method, device and computer-readable storage medium. The method includes: in the HTML elements of an HTML document, determining the table header HTML elements corresponding to each table header name and the table text HTML elements corresponding to each table text in the bank statement document; based on the table header HTML elements and the table text HTML elements, determining the position information of each table header name and each table text in the bank statement document; traversing each table text HTML element based on the order of the table text HTML elements in the HTML document, and generating a key-value pair corresponding to each currently traversed table text HTML element based on the position information; determining the statement record information corresponding to the bank statement document based on the key-value pair, and outputting the statement record information when the traversal of each table text HTML element is completed. The present invention transforms bank statement information into structured statement data through document parsing, ensuring the accuracy and effectiveness of the parsing result of bank statement information.

The invention provides an efficient data collection method for bank statement of account. The method comprises the following steps: A, determining a standard table; b, data preprocessing; c, reading and processing data; d, judging a header and each field; e, date and time processing; f, performing large model interaction and account processing; g, processing amount and characters; h, data import and verified.According to the method, a standardized collection process is constructed, links of data preprocessing, format conversion, column name matching, high-speed import and the like are covered, and by means of a large-model intelligent analysis technology, bank account statement data in various formats can be effectively processed, and the accuracy and traceability of the data are ensured; according to the method, analysis and conversion of various file formats such as Excel, CSV and PDF are supported, rapid data import is achieved through the LOAD DATA INFILE function of MySQL, the efficiency and reliability of data collection are further improved in combination with large-model intelligent matching, powerful data support is provided for discipline inspection and supervision work, and the method is suitable for popularization and application. And the efficient and accurate requirements of the discipline inspection supervision department on data processing when the discipline inspection supervision department calls the evidence obtaining object bank account statement are met.

A mechanism for reconciling unreconciled bank statement lines with corresponding accounting book entries in an online bookkeeping service. A machine-configurable similarity measurement model is applied to quantify similarity of an unreconciled bank statement line to each of a set of historical bank statement line reconciliations for a specific user, to identify a most similar line reconciliation, and upon satisfaction of a threshold, to automatically reconcile the unreconciled bank statement line with extracted accounting book entry details from the identified reconciliation.

The present application relates to the technical field of computer image processing, and provides a bank flow table extraction method and device, computer equipment and storage medium, the method comprises: obtaining a bank flow image, detecting the text area in the bank flow image; merging the text area to construct a text line, obtaining a text line set; traversing each text line in the text line set, extracting a flow table header row and a flow table body row set; according to the distance of each text area in the flow table header row and the flow table body row set, column division is carried out on each text area in the flow table body row set, and the flow table body column set is determined; based on the consistency of the table header and the table body row and column, the flow table header row and the flow table body column set are checked and updated, and the checked and updated flow table header row, flow table body row and flow table body column set are saved as a table extraction result. The present application can improve the accuracy of bank flow table extraction.

The invention provides an account data management method and system based on SaaS, and the method comprises the steps: carrying out the semantic extraction and structural processing through the unified collection of multi-source original data, such as invoices, bank receipts, manual certificates, and the like; carrying out credibility grade scoring and screening on the data based on field integrity, time rationality, amount anomaly, source credibility and abstract confidence; generating a customer multi-dimensional behavior feature vector by using the credible data, and matching enterprises with similar structures in a modeled enterprise library; historical accounting rules are extracted from similar enterprises, adaptive scoring is performed in combination with abstract semantic matching degree, subject structure compatibility and rule use stability, and migratable rules are screened; and finally, automatically generating a standard bookkeeping entry under the condition of meeting abstract matching and amount tolerance. According to the invention, intelligent migration and automatic entry of the cross-enterprise accounting rule are realized, and standardization, accuracy and compliance of the SaaS account platform are improved.

The invention discloses an intelligent supervision and management system based on an artificial intelligence big data technology, and belongs to the technical field of big data processing, and the system comprises a multi-source data obtaining module which is used for obtaining related business data of financial, social security, civil administration, agriculture and financial institutions of a preset region, the related business data comprises a livelihood fund distribution plan, a beneficiary list, a fund issuing record and a bank flow; and the data processing module is used for carrying out data cleaning and standardization processing on the acquired related business data, and the data cleaning and standardization processing comprises operations of de-duplication, error correction and format unification on the related business data. Through multi-source data integration, data cleaning and standardization, machine learning prediction and multi-dimensional beneficiary type distinguishing, transparency, fairness, efficiency and safety of livelihood fund distribution are improved, the intelligent and automatic level of supervision and management is enhanced, decision support of fund distribution is optimized, and management cost and risk are reduced.

This application relates to the field of digital supply chain management in the plastics and chemical trade, and provides a method and system for full-chain compliance management of plastics and chemical trade based on the integration of four flows (flow, cash, and logistics). The method includes: building a unified business operation platform for plastics and chemical trade, embedding relevant tax incentive compliance requirements into the platform's business processes, and configuring corresponding compliance rule engines; achieving a closed-loop business flow throughout the procurement and sales process, visualized logistics management throughout warehousing and transportation, integrated business and financial settlement of funds, and synchronized information flow across the entire chain; enabling the platform's intelligent document center, linking service contracts, logistics documents, invoices, and bank statements to generate an immutable chain of compliance evidence; setting mandatory compliance checkpoints at key nodes in the business flow to verify the completeness of compliance documents, blocking business flow if valid compliance documents are missing; achieving full-process data traceability based on the corresponding chain of compliance evidence; and automatically collecting compliance data according to the tax declaration cycle to generate a compliance declaration report for tax incentives in the plastics and chemical trade.

The invention discloses a real-time post-loan risk assessment and early warning method and device based on reinforcement learning and electronic equipment, and belongs to the technical field of financial risk control and information. The method comprises the following steps: for each service object, respectively obtaining corresponding law execution result data information, a credit report and industrial and commercial information, and recording the information in a corresponding table; automatically obtaining a pdf file of the bank statement, identifying text content in the pdf file, extracting key fields from the text content, and storing the key fields in a bank statement detail list; calculating a risk score by using the obtained information; and evaluating a risk level according to the risk score, and performing early warning according to the risk level. According to the method, the legal execution result data information, the credit report and the industrial and commercial registration information of the service object are automatically acquired, the OCR technology is utilized to identify the bank flow of the service object, the risk score is calculated, and the early warning mechanism is triggered in combination with the preset rule, so that real-time post-loan risk assessment and early warning are realized, and the loan risk is effectively reduced.

Rechargeable Bank Statement Analytics Computer Device

A mechanism for reconciling unreconciled bank statement lines with corresponding accounting book entries in an online bookkeeping service. A machine-configurable similarity measurement model is applied to quantify similarity of an unreconciled bank statement line to 5 each of a set of historical bank statement line reconciliations for a specific user, to identify a most similar line reconciliation, and upon satisfaction of a threshold, to automatically reconcile the unreconciled bank statement line with extracted accounting book entry details from the identified reconciliation. 10 [FIGURE 1] identified reconciliation. 10 20 26 20 50 86 29 J un 2 02 6 A B S T R A C T 2 0 2 6 2 0 5 0 8 6 2 9 J u n 2 0 2 6 i d e n t i f i e d r e c o n c i l i a t i o n . 1 0 IN FO RM AT IO N RE TR IE VA L S1 01 SI M IL AR IT Y PR O CE SS IN G S1 02 TH RE SH O LD CO M PA RI SO N S1 03 RE CO N CI LI AT IO N S1 04 PA SS T O N EX T M EC H AN IS M S1 05 FI G U RE 1 CO N FI G U RE S IM IL AR IT Y M EA SU RE M EN T M O DE L S1 06 CO N FI G U RE TH RE SH O LD S1 07 RU N TI M E M AI N TE N AN CE 1 / 5 M A I N T E N A N C E CONFIGURE SIMILARITY C O N F I G U R E M E A S U R E M E N T T H R E S H O L D M O D E L S 1 0 7 S 1 0 6 R U N T I M E R E C O N C I L I A T I O N S 1 0 4 1 / 5 I N F O R M A T I O N S I M I L A R I T Y T H R E S H O L D R E T R I E V A L P R O C E S S I N G C O M P A R I S O N S 1 0 1S 1 0 2 S 1 0 3 P A S S T O N E X T M E C H A N I S M S 1 0 5 F I G U R E 1 20 26 20 50 86 29 J un 2 02 6 1 1 0 3 1 0 2 1 0 1 W W W 1 / 5 W 1 0 6 1 0 7 W W I N W W 2 0 2 6 2 0 5 0 8 6 2 9 J u n 2 0 2 6

The present invention relates to tickets, and in particular to admission tickets, airline, train, ship or bus tickets, gambling receipts, parking tickets, cash register receipts, bank statements, medical chart paper, fax paper, security paper or barcode labels. The present invention relates in particular to an article comprising a heat-sensitive recording layer, comprising one or more specified color developers, one or more dye precursors and one or more specified sensitizers, wherein the article is an admission ticket, an airline, train, ship or bus ticket, a gambling receipt, parking ticket, cash register receipt, bank statements, medical chart paper, fax paper, security paper or barcode label. The present invention further relates to a method for manufacturing an article comprising a heat-sensitive recording layer.The present invention further relates to more specifically described uses of a compound according to a more specifically described formula in combination with a more specifically described sensitizer. The present invention further relates to the use of a heat-sensitive recording layer as further described in more detail as an admission ticket, a plane, train, ship or bus ticket, a gambling receipt, parking ticket, cash register receipt, bank statement, medical chart paper, fax paper, security paper or barcode label. The present invention further relates to the use of a heat-sensitive recording layer as further described in more detail in offset printing. The present invention further relates to the use of the articles of the present invention in offset printing.

The invention belongs to the technical field of financial science and technology, and particularly relates to a bank statement classification method based on a rule engine and a local model. Comprising the following steps: S1, judging whether pipeline data is abnormal or not by constructing a rule engine, and removing the pipeline data; s2, on the basis of the data after the abnormal flow is removed, determining an associated party transaction and a suspected associated party transaction; s3, on the basis of the flow data after the abnormal data and the associated transaction are removed, the flow data are transmitted to a local DeepSeek, and the local DeepSeek judges the type of the data and stores the data into a corresponding database; according to the method, time and labor are consumed in manual classification, the problem that classification is incorrect due to semantic understanding and checking possibly caused by pure dependence on large model classification is solved, the problem that a single rule engine is difficult to cover a full-service scene is solved, and frequent change of rules when the single rule engine is used for bank statement classification is avoided.

An automated bank reconciliation method includes, during a reconciliation period, daily receiving transaction information from a bank and matching it with accounting transactions on a general ledger. The method also includes, at an end of the reconciliation period, receiving a bank statement, retrieving a statement ending date and balance, accessing all bank statement transactions and comparing them with the transaction information received daily, comparing and matching the bank statement transactions with the accounting transactions from the general ledger and aggregating them into total matched debits and total matched credits, determining a matched-based ending balance by adding total matched credits to and subtracting total matched debits from a starting balance, comparing the matched-based ending balance with the bank statement ending balance, creating a bank reconciliation record and automatically posting it if the ending balances are equal, and sending a notification indicating whether the bank reconciliation record has been matched and posted.

A bank transaction recording system has a table entry platform for receiving bank transaction data in a single row format. The data includes a date, bank account, currency, credit or debit amount, det

The invention provides a bank flow personalized subscription processing method and device, a storage medium and equipment, and is applied to the technical field of financial data processing. According to the invention, by receiving the flow subscription request submitted by the client in the bank-enterprise direct connection system, the client is allowed to select different subscription configurations including filtering of the flushing flow, collection of flow elements and inter-flow withdrawal feedback according to own needs, so that the client can customize required flow information in a personalized manner, customized flow data is automatically generated, and the user experience is improved. Therefore, through personalized flow information pushing, the time for a customer to look up and analyze data is shortened, and the efficiency and accuracy of financial management are improved.

The invention discloses a bank flow image recognition method and device, a readable storage medium and electronic equipment, and the method comprises the steps: obtaining a bank flow image, and extracting data information in the bank flow image; carrying out integrity and rationality inspection on the data information; when the data information integrity and rationality inspection is qualified, authenticity inspection is carried out on the bank flow image, and the authenticity inspection comprises the steps that the bank flow image is divided into a plurality of image blocks, and image feature information of different dimensions is extracted for all the image blocks; and carrying out feature fusion on the image feature information of each dimension of the image block, and detecting the fused image feature information to judge the authenticity of the image block. According to the method, the acquired bank statement image is detected on two levels, namely a data layer authenticity level and an image authenticity level, the bank statement can be quickly and accurately identified, and the detection efficiency is improved.