CN113822749B - Merchant settlement payment processing method, device, equipment and medium based on RPA and AI - Google Patents
Merchant settlement payment processing method, device, equipment and medium based on RPA and AI Download PDFInfo
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- CN113822749B CN113822749B CN202110911725.6A CN202110911725A CN113822749B CN 113822749 B CN113822749 B CN 113822749B CN 202110911725 A CN202110911725 A CN 202110911725A CN 113822749 B CN113822749 B CN 113822749B
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Abstract
The embodiment of the invention discloses a merchant settlement payment processing method, a device, equipment and a medium based on RPA and AI, wherein the method comprises the following steps: s1, auditing each item to be audited in the payment application form; the items to be checked comprise contract numbers, statement numbers and settlement amounts corresponding to different cooperative items; s2, after all the items to be audited pass the audit, adjusting the format of the audited settlement payment application form to a format which meets the requirements of a payment system, and importing the settlement payment application form with the adjusted format into the payment system; s3, for each merchant in the settlement payment application form, according to the account transaction details of the merchant, if the fact that the merchant does not have historical arrears is determined, determining that the merchant meets the payment requirement; s4, paying the merchant meeting the payment requirement through the payment system. By adopting the technical scheme, the efficiency and the accuracy of merchant settlement and payment verification are improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of fund auditing, in particular to a merchant settlement payment processing method, device, equipment and medium based on RPA and AI.
Background
RPA (Robotic Process Automation, robot process automation) is a process task automatically executed according to rules by a specific "robot software" that simulates the operation of a human on a computer.
AI (ARTIFICIAL INTELLIGENCE ) is a new technical science to study, develop theories, methods, techniques and application systems for simulating, extending and expanding human intelligence.
RPA has unique advantages: low code, non-intrusive. The low code means that the RPA can operate without a very high IT level, and business personnel without programming can develop the flow; non-intrusive means that the RPA can simulate human operation without a software system open interface. However, conventional RPA has certain limitations: can only be based on fixed rules and application scenarios are limited. With the continuous development of the AI technology, the limitations of the traditional RPA are overcome by the deep fusion of the RPA and the AI, and the values of the labor force are greatly changed by the RPA+AI=hand work+head work.
At present, a settlement payment list provided by the project is usually adopted or manually checked, the operation process is relatively complicated, manual check is time-consuming and labor-consuming, and the efficiency is low. Once in error, the payment error is easy to cause, and the accounting problem occurs, thereby directly affecting the profit and loss of enterprises. Therefore, the checking efficiency and accuracy of the current account checking method still need to be improved.
Disclosure of Invention
The embodiment of the invention provides a merchant settlement payment processing method, device, equipment and medium based on RPA and AI, which improves the efficiency and accuracy of merchant settlement payment verification.
In a first aspect, the present invention provides a method for processing settlement and payment of a merchant based on RPA and AI, the method comprising:
s1, auditing each item to be audited in the payment application form; the items to be checked comprise contract numbers, statement numbers and settlement amounts corresponding to different cooperative items;
S2, after all the items to be audited pass the audit, adjusting the format of the audited settlement payment application form to a format which meets the requirements of a payment system, and importing the settlement payment application form with the adjusted format into the payment system;
s3, for each merchant in the settlement payment application form, according to the account transaction details of the merchant, if the fact that the merchant does not have historical arrears is determined, determining that the merchant meets the payment requirement;
S4, paying the merchant meeting the payment requirement through the payment system.
Optionally, the S1 specifically includes:
S11, searching a to-be-checked item corresponding to each cooperative item in the calculated payment application form in a business system;
s12, if the content matched with the to-be-checked item of the cooperative item in the settlement payment application form is searched in the service system, determining that the to-be-checked item is checked and passed;
s13, for the to-be-checked item which is checked successfully, marking information which is checked successfully is added into the settlement payment application form.
Optionally, the S2 specifically includes:
S21, after all the items to be audited pass the audit, storing settlement information corresponding to each cooperative item in the audited settlement payment application form according to a naming rule of a payment system, and taking the stored file as an intermediate file;
S22, combining payment amounts in the intermediate files corresponding to each cooperative item to generate total amount settlement marking information;
s23, for each noted cooperative project, if the occurrence of change of account information corresponding to the project is detected, updating the original account information into new account information;
S24, importing the settlement payment application form with the account information adjusted into a payment system.
Optionally, the step S22 specifically includes:
S221, combining the payment amount with negative value in the intermediate file according to the same contract number for the intermediate file corresponding to each cooperative item;
S222, if the combined amount of the same contract number is negative, the combined amount is combined according to the same merchant number, and total amount settlement marking information is generated.
Optionally, the step S3 specifically includes:
S31, for each merchant in the settlement payment application form, acquiring the account details of payment and collection of the merchant in a set time period;
S32, summing the payment amount and the collection amount, if the sum is smaller than or equal to zero, the fact that the merchant does not have historical arrears is indicated, and the merchant is determined to meet the payment requirement; if the sum is greater than zero, indicating that the merchant has historical arrears, and determining that the merchant does not meet the payment requirement.
Optionally, if the settlement payment application form is in PDF format, the settlement payment application form is identified by adopting an optical character recognition OCR method, so as to obtain contents in the settlement payment application form.
In a second aspect, an embodiment of the present invention further provides a merchant settlement payment processing device based on RPA and AI, where the device includes:
An audit module configured to: checking each item to be checked in the settlement payment application form; the items to be checked comprise contract numbers, statement numbers and settlement amounts corresponding to different cooperative items;
A format adjustment module configured to: after all the items to be audited pass the audit, the format of the audited settlement payment application form is adjusted to be in accordance with the requirements of the payment system, and the settlement payment application form with the adjusted format is imported into the payment system;
A payment condition confirmation module configured to: for each merchant in the settlement payment application form, according to the account transaction details of the merchant, if the fact that the merchant does not have historical arrears is determined, determining that the merchant meets the payment requirement;
a payment module configured to: and paying the merchant meeting the payment requirement through the payment system.
Optionally, if the settlement payment application form is in PDF format, the settlement payment application form is identified by adopting an optical character recognition OCR method, so as to obtain contents in the settlement payment application form.
Optionally, the auditing module is specifically configured to:
Searching each cooperative item in the settlement payment application form in a service system for a to-be-checked item corresponding to the cooperative item;
If the content matched with the to-be-checked item of the cooperative item in the settlement payment application form is searched in the service system, determining that the to-be-checked item is checked and passed;
And adding label information of successful verification for the to-be-verified item which is successfully verified in the settlement payment application form.
Optionally, the format adjustment module includes:
An intermediate file generation unit configured to: after all the items to be audited pass the audit, storing the settlement information corresponding to each cooperative item in the audited settlement payment application form according to the naming rule of the payment system, and taking the stored file as an intermediate file;
An amount combining unit configured to: combining payment amounts in the intermediate files corresponding to each cooperative item to generate total amount settlement annotation information;
An account information updating unit configured to: for each noted cooperative item, if the change of the account information corresponding to the item is detected, updating the original account information into new account information;
An application form importing unit configured to: and importing the settlement payment application form with the account information adjusted into a payment system.
Optionally, the amount merging unit is specifically configured to:
For the intermediate file corresponding to each cooperative project, combining the payment amount with negative value in the intermediate file according to the same contract number;
If the combined amount of the same contract number is negative, the combined amount is combined according to the same merchant number, and total amount settlement marking information is generated.
Optionally, the payment condition confirmation module is specifically configured to:
for each merchant in the settlement payment application form, acquiring the account details of payment and collection of the merchant in a set time period;
Summing the payment amount and the collection amount, if the sum is smaller than or equal to zero, indicating that the merchant does not have historical arrears, and determining that the merchant meets the payment requirement; if the sum is greater than zero, indicating that the merchant has historical arrears, and determining that the merchant does not meet the payment requirement.
In a third aspect, embodiments of the present invention also provide a computing device, including:
A memory storing executable program code;
a processor coupled to the memory;
The processor calls the executable program code stored in the memory to execute the merchant settlement payment processing method based on RPA and AI provided by any embodiment of the invention.
In a fourth aspect, an embodiment of the present invention further provides a computer readable storage medium, where a computer program is stored, where the program when executed by a processor implements the method for processing payment for settlement of merchants based on RPA and AI provided in any embodiment of the present invention.
According to the technical scheme provided by the embodiment of the invention, after the RPA robot receives the merchant settlement payment application form, each item to be audited in the settlement payment application form can be audited; and after all the items to be audited pass the audit, adjusting the format of the audited settlement payment application form to a format which meets the requirements of a payment system, and importing the settlement payment application form with the adjusted format into the payment system. For each merchant in the settlement payment application form, payment may be made through the payment system. By adopting the mode of automatically processing the merchant settlement payment, the complicated process of manually processing the merchant settlement payment can be replaced, the accuracy, reliability and integrity of settlement payment data are ensured, the efficiency and accuracy of merchant settlement payment audit are improved, and the financial risk is reduced.
The innovation points of the embodiment of the invention include:
1. After the RPA robot completes the audit of each item to be audited in the settlement payment application form, whether the merchant has historical arrears or not is judged according to the account and transaction details of the merchant, and the merchant without the historical arrears pays the merchant through a payment system, so that the problem that the efficiency and the accuracy of the manual audit settlement payment application form are low is solved, and the invention is one of the innovation points of the embodiment.
2. In order to facilitate subsequent payment calculation, the RPA robot replaces manual operation, and sequentially merges the payment amounts with negative numbers according to the same contract number and the same merchant number, so that the problem that the efficiency and accuracy of manual merging amount are low is avoided, the accuracy, reliability and integrity of payment data are ensured, and financial risks are reduced.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1a is a flowchart of a merchant settlement payment processing method based on RPA and AI according to an embodiment of the invention;
FIG. 1b is a screen shot of the effect of screening the contents of an application form for payment calculation according to the first embodiment of the present invention;
FIG. 1c is a screenshot of the effect of auditing a merchant statement in a statement confirmation module of a department transfer system provided by an embodiment of the present invention;
FIG. 1d is a screen shot showing the interface between the business system and the payment system according to the first embodiment of the present invention;
FIG. 1e is a diagram showing an effect of importing a format-adjusted payment application form into a payment system according to an embodiment of the present invention;
FIG. 1f is a diagram illustrating an exemplary screen shot of a query sub-account in a JDE system according to an embodiment of the present invention;
FIG. 1g is a diagram illustrating a view of a list of accounts and current of different merchants according to one embodiment of the present invention;
FIG. 2 is a flowchart of a merchant settlement payment processing method based on RPA and AI according to a second embodiment of the invention;
FIG. 3 is a block diagram of a merchant settlement and payment processing device based on RPA and AI according to a third embodiment of the invention;
Fig. 4 is a schematic structural diagram of a computing device according to a fourth embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without any inventive effort, are intended to be within the scope of the invention.
It should be noted that the terms "comprising" and "having" and any variations thereof in the embodiments of the present invention and the accompanying drawings are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus.
Example 1
Robot process automation (Robotic Process Automation) is called RPA for short, and is to simulate the operation of a person on a computer through specific robot software, and automatically execute process tasks according to rules.
AI (Artificial Intelligence) is an english abbreviation for artificial intelligence, which is a new technical science for studying, developing theories, methods, techniques and application systems for simulating, extending and expanding human intelligence.
In the existing business, a lot of tedious and repeated settlement payment auditing procedures should be manually processed. After the accounting data are acquired manually, the data are also manually arranged. After finishing, the data comparison is also required to be completed manually, and the process is tedious and time-consuming. Once in error, the payment error is easy to cause, and the accounting problem occurs, thereby directly affecting the profit and loss of enterprises. Therefore, based on the consideration, the embodiment of the invention provides the merchant settlement payment processing based on the RPA and the AI, so that the automatic checking of the merchant settlement payment list is realized, and the efficiency and the accuracy of the merchant settlement payment checking are improved.
The detailed description will be given below of the specific implementation procedure of the merchant settlement payment processing method based on RPA and AI provided in the embodiment of the present invention.
Fig. 1a is a flowchart of a merchant settlement payment processing method based on RPA and AI according to an embodiment of the invention, where the method may be performed by a merchant settlement payment processing device based on RPA and AI, and the device may be implemented in software and/or hardware. The method provided by the embodiment can be applied to an automatic service platform, such as UiBot, which is a platform capable of providing AI capability for an RPA robot. As shown in fig. 1a, the method comprises:
s110, checking each item to be checked in the payment application form.
The RPA robot can download the settlement payment application form through a specified path. If the settlement payment application is not read in the specified path, the RPA manager may be notified by mail to check the flow data.
Typically, the settlement payment application form is an EXCEL file. In this embodiment, if the downloaded payment settlement application form is a PDF format file, it may be identified by OCR (Optical Character Recognition ) to obtain the contents in the payment settlement application form. In the settlement payment application form, the to-be-checked items comprise contract numbers, tenant information, statement numbers, settlement dates, settlement amounts, bank names, account numbers and the like corresponding to different cooperative items.
After the result payment application form is successfully downloaded, whether the content in the form is missing or not can be screened, and if the content is missing, the missing content can be marked at a set position so as to be convenient for subsequent staff to process. Specifically, fig. 1b is a screenshot of an effect of screening the contents of a payment application form according to the first embodiment of the present invention, as shown in fig. 1b, by screening columns H and I of the form and determining whether there is a null value from the second row of the form, if there is a null value, marking "failure, missing bank information" in column M.
In this embodiment, the auditing of each item to be audited in the payment statement is specifically performed in the relevant service system. After logging in the service system, whether the to-be-checked items corresponding to the business cooperation items are logged in the service system can be searched in the service system. For each cooperative item in the settlement payment application form, if the item to be checked corresponding to the cooperative item is recorded into the service system, the verification is passed; if the business system is not entered or the content which is not matched with the to-be-checked item of the item in the settlement payment application form is searched in the business system, determining that the to-be-checked item fails to check.
For example, if the settlement payment application form includes different types of to-be-checked list, the settlement payment application form shown in fig. 1b includes three types of to-be-checked list including "merchant settlement", "temporary miscellaneous fee return" and "manual entry statement", when the login service system checks the settlement payment application form, different checking modules in the service system may be utilized to check the different types of to-be-checked list in the settlement payment application form respectively.
In this embodiment, the service system may be a corollary system. The system provides a multi-system interface, background settlement and foreground sales functions. In this embodiment, different types of auditing modules in the department delivery system, such as a settlement and collection confirmation module and a temporary parasitic fee return auditing module, may be utilized to respectively audit different types of to-be-checked contents in the settlement payment bill, such as a merchant settlement application and a temporary parasitic fee return application.
In this embodiment, for the item to be checked that is checked successfully, labeling information that is checked successfully may be added to the setting position in the settlement payment application form.
Specifically, "settlement and collection confirmation" can be input in a menu bar in the department transmission system, and a settlement and collection confirmation module is clicked to enter; according to the settlement payment application form provided by the item, a settlement bill number and a settlement amount (containing tax) are input into a settlement and receipt confirmation module, and a search button is clicked. Fig. 1c is a screenshot of an effect of auditing a merchant statement in a statement of account verification module of a department transfer system according to an embodiment of the present invention. As shown in fig. 1c, after clicking the search button, the number of settlement records in the interface is read, if there are only 1 records, after clicking the "all select" button, clicking the "confirm" button again, completing the confirmation of the settlement statement, and marking the verification result "success" in the merchant settlement statement, in the above manner, until the search of all settlement statement numbers in the merchant settlement statement is completed.
Specifically, the operation process of auditing the temporary parasitic charge return application form in the temporary parasitic charge return auditing module is similar to the auditing process of the merchant settlement application form in the settlement and collection confirming module, namely, inputting the temporary parasitic charge return auditing in the menu bar of the department transmission system, clicking to enter the temporary parasitic charge return auditing module, inputting the charging bill number and the bill amount in the temporary parasitic charge return auditing module, clicking the searching button, reading the number of settlement records in the interface, clicking the all selection button if only 1 settlement record is made, clicking the confirm button again to finish the confirmation of the settlement bill, and marking the success of the auditing result in the temporary parasitic charge return form, and the method is adopted until the searching of all the settlement bill numbers in the temporary parasitic charge return form is finished.
And S120, after all the items to be audited pass the audit, adjusting the format of the audited settlement payment application form into a format which meets the requirements of a payment system, and importing the settlement payment application form with the adjusted format into the payment system.
The payment system is an operating system for paying for all merchants in the payment application form. Before logging in the payment system, the RPA robot needs to adjust the format of the verified and finished settlement payment application form to a format which meets the requirements of the payment system, so that the verified and finished settlement payment application form can be successfully imported into the payment system.
For example, if the audit of the settlement payment application form is done in the business system, such as in a department delivery system, audit completed data may be derived from the business system. In the export process, in order to enable the verified settlement payment application form to better meet the format requirement of the payment system, the verified settlement payment application can be added into an interface module of the business system and the payment system in the business system. Through the interface module, different contracts of the same item within a certain collection date range can be classified, wherein the collection date range can read the maximum value range of collection date from different types of pending checkup lists in the settlement payment application form.
Specifically, fig. 1d is a screenshot of the effect of the interface of the business system and the payment system according to the first embodiment of the present invention. As shown in FIG. 1d, in the column of "project" of the interface, the project code and name in the settlement payment application form can be entered, and in the column of "date range" of the interface, the maximum date range of collection in the merchant settlement form and temporary parasitic payment return form as shown in FIG. 1b can be entered. The "audit" and "confirm" buttons are then clicked, i.e., classifying different contracts for the same item within the date range. Specifically, for the bill details of a certain item, the bill details interface can be accessed by searching the item number, the bill details can be saved into a designated path according to a naming rule specified by a payment system, and the saved file can be used as an intermediate file.
For each intermediate file, the formatting of the intermediate file may include:
Combining the payment amount in the settlement payment application form to generate total amount settlement information; if the project has a manually entered clearing bill in the payment approval, the related information of the clearing bill is required to be newly added into a clearing payment application form; if the cooperative project has remark information needing to change the account information, the account information is updated.
After the format of the verified settlement payment application form is adjusted to be in accordance with the requirements of the payment system, the payment system can be logged in, and the settlement payment application form with the adjusted format is imported into the payment system.
Specifically, fig. 1e is an effect screenshot of importing the payment application form with the adjusted format into the payment system according to the first embodiment of the present invention. As shown in fig. 1e, in the enterprise payment application interface of the payment system, the payment application form with the adjusted format can be imported into the system by triggering the file import instruction, and the "confirm" button is clicked to complete the import operation.
S130, for each merchant in the settlement payment application form, determining that the merchant meets the payment requirement according to the account transaction details of the merchant if the fact that the merchant does not have historical arrears is determined.
For example, the merchant's account transaction details may be downloaded from a financial system. For each merchant in the settlement payment application form, an account detail of the merchant's payment and collection over a set period of time may be obtained. By summing the payment amount and the collection amount, if the sum is less than or equal to zero, determining that the merchant does not have historical arrears, namely, indicating that the merchant meets the payment requirement; if the sum is greater than zero, determining that the merchant has historical arrears, namely that the merchant does not meet the payment requirement.
In particular, if the financial system is a JDE system (MRPII (Manufacturing Resources Planning, manufacturing resource planning) software offered by j.d.edwards corporation, usa), the RPA robot can log into the system by entering a user name and password. If the login is unsuccessful, a mail may be sent to the RPA administrator for review. Fig. 1f is a screenshot of a query sub-account in a JDE system according to an embodiment of the present invention. As shown in fig. 1f, click on "navigator", select "first create big business-general ledger-financial general ledger statement and query-sub-ledger-based trial balance" and enter "sub-ledger-based trial balance" interface. After entering the interface, the sub account balance details corresponding to different orders of the merchant before the appointed date can be queried. And can download the balance details of the sub-account which does not pass the purpose of the department. Wherein the different accounts include accounts receivable, other accounts receivable, accounts payable, and other accounts payable.
After the downloading is successful, for each merchant in the settlement payment application form, accounts payable, other accounts payable, accounts receivable and other accounts receivable corresponding to different merchants can be counted into the same EXCEL form. The merchant numbers in the EXCEL table are the merchant numbers subjected to the deduplication processing, namely, each merchant number in the EXCEL table is unique. FIG. 1g is a diagram illustrating a view of a transaction statement of a different merchant according to one embodiment of the present invention. When judging whether a certain merchant has historical arrears, calculating the total amount of B+C+D+E in the table shown in fig. 1g, and judging whether the merchant is qualified or not according to whether the total amount is greater than or equal to zero, namely whether the merchant meets the payment requirement or not; if the sum is less than or equal to zero, marking 'pass' in the result column; if the aggregate amount is greater than zero, the result is marked as "failed".
Further, when judging whether the merchant is qualified, the total amount of the merchant to be paid at this time can also be considered, namely, whether the merchant meets the payment requirement can be judged by calculating the values of the columns B+C+D+E+F in the table shown in fig. 1g, namely, the total amount of the merchant to be paid at this time can be used for canceling part of the amount of the received money. Specifically, the value of the total amount=b+c+d+e+f column is calculated, and if the total amount is equal to or less than zero, the result column is marked as "acceptable", and if the total amount is greater than zero, the result column is marked as "unacceptable".
S140, paying the merchant meeting the payment requirement through the payment system.
Specifically, a "standard bank name information template" may be downloaded and opened from the cloud disk prior to payment. And matching the account opening row information imported into the settlement payment application form of the payment system with a standard bank name information template, setting a position mark of successful in the settlement payment application form if the matching is successful, and marking the position mark as failed in the set position if the matching is failed.
In this embodiment, after the information of the opening bank is successfully matched, the RPA robot can pay the merchant meeting the payment requirement through the payment system. Or the RPA robot can send the auditing result to the financial staff, and after the financial staff further confirms that the auditing result has no problem, the RPA robot can send a payment instruction to the RPA robot, and the RPA robot can pay the merchant meeting the payment requirement through the payment system according to the payment instruction.
According to the technical scheme provided by the embodiment, after the RPA robot receives the merchant settlement payment application form, each item to be audited in the settlement payment application form can be audited; and after all the items to be audited pass the audit, adjusting the format of the audited settlement payment application form to a format which meets the requirements of a payment system, and importing the settlement payment application form with the adjusted format into the payment system. For each merchant in the settlement payment application form, payment may be made through the payment system. By adopting the mode of automatically processing the merchant settlement payment, the complicated process of manually processing the merchant settlement payment can be replaced, the accuracy, reliability and integrity of settlement payment data are ensured, the efficiency and accuracy of merchant settlement payment audit are improved, and the financial risk is reduced.
Example two
Fig. 2 is a flowchart of a merchant settlement payment processing method based on RPA and AI according to a second embodiment of the present invention, where the process of adjusting the format of the verified settlement payment application form to a format meeting the requirements of the payment system is refined on the basis of the above embodiment, and as shown in fig. 2, the method provided in this embodiment includes:
S210, checking each item to be checked in the payment application form.
S220, after all the items to be audited pass the audit, storing the settlement information corresponding to each cooperative item in the audited settlement payment application form according to the naming rule of the payment system, and taking the stored file as an intermediate file.
S230, combining the payment amounts in the intermediate files corresponding to each cooperative item to generate total amount settlement marking information.
For example, payments belonging to the same contract number and having a positive value may be consolidated, or payments belonging to the same contract number and having a negative value may be consolidated for subsequent calculation.
Specifically, for the intermediate file corresponding to each cooperative item, the payment amounts with negative values in the intermediate file can be combined according to the same contract number; if the combined amount of the same contract number is negative, the combined amount is combined according to the same merchant number, and total amount settlement marking information is generated. Further, if a mode of combining payment amounts with negative values is adopted for an intermediate file corresponding to a certain cooperative item, if a settlement statement with a manually entered type is detected in a settlement payment application form, and the amount corresponding to a certain contract number in the manually entered statement is negative, the contract number can be searched for in the intermediate file corresponding to the cooperative item, and if the contract number can be searched for, the amount corresponding to the contract number in the manually entered statement can be combined with the amount with negative values corresponding to the contract number in the intermediate file. But if the amount in the manually entered statement is positive, the information in the manually entered statement may be added to the intermediate file corresponding to the collaborative project.
S240, for each noted collaborative project, if the account information corresponding to the project is detected to be changed, the original account information is updated to be new account information.
S250, importing the settlement payment application form with the account information adjusted into a payment system.
S260, for each merchant in the settlement payment application form, acquiring the account details of payment and collection of the merchant in a set time period.
S270, summing the payment amount and the collection amount, if the sum is smaller than or equal to zero, the merchant does not have historical arrears, and the merchant is determined to meet the payment requirement; if the sum is greater than zero, indicating that the merchant has historical arrears, and determining that the merchant does not meet the payment requirement.
S280, paying the merchant meeting the payment requirement through a payment system.
In order to facilitate subsequent payment calculation, the technical scheme provided by the embodiment is that the RPA replaces manual operation, the payment amounts with negative numbers are combined successively according to the same contract number and the same merchant number, the problem that the efficiency and accuracy of manual combination amount are low is avoided, the accuracy, reliability and integrity of payment data are ensured, and financial risks are reduced.
Example III
Fig. 3 is a block diagram of a merchant settlement payment processing device based on RPA and AI according to a third embodiment of the present invention, and as shown in fig. 3, the device includes: an auditing module 310, a format adjustment module 320, a payment condition confirmation module 330, and a payment module 340; wherein,
An auditing module 310 configured to: checking each item to be checked in the settlement payment application form; the items to be checked comprise contract numbers, statement numbers and settlement amounts corresponding to different cooperative items;
A format adjustment module 320 configured to: after all the items to be audited pass the audit, the format of the audited settlement payment application form is adjusted to be in accordance with the requirements of the payment system, and the settlement payment application form with the adjusted format is imported into the payment system;
The payment condition confirmation module 330 is configured to: for each merchant in the settlement payment application form, according to the account transaction details of the merchant, if the fact that the merchant does not have historical arrears is determined, determining that the merchant meets the payment requirement;
a payment module 340 configured to: and paying the merchant meeting the payment requirement through the payment system.
Optionally, if the settlement payment application form is in PDF format, the settlement payment application form is identified by adopting an optical character recognition OCR method, so as to obtain contents in the settlement payment application form.
Optionally, the auditing module 310 is specifically configured to:
Searching each cooperative item in the settlement payment application form in a service system for a to-be-checked item corresponding to the cooperative item;
If the content matched with the to-be-checked item of the cooperative item in the settlement payment application form is searched in the service system, determining that the to-be-checked item is checked and passed;
And adding label information of successful verification for the to-be-verified item which is successfully verified in the settlement payment application form.
Optionally, the format adjustment module 320 includes:
An intermediate file generation unit configured to: after all the items to be audited pass the audit, storing the settlement information corresponding to each cooperative item in the audited settlement payment application form according to the naming rule of the payment system, and taking the stored file as an intermediate file;
An amount combining unit configured to: combining payment amounts in the intermediate files corresponding to each cooperative item to generate total amount settlement annotation information;
An account information updating unit configured to: for each noted cooperative item, if the change of the account information corresponding to the item is detected, updating the original account information into new account information;
An application form importing unit configured to: and importing the settlement payment application form with the account information adjusted into a payment system.
Optionally, the amount merging unit is specifically configured to:
For the intermediate file corresponding to each cooperative project, combining the payment amount with negative value in the intermediate file according to the same contract number;
If the combined amount of the same contract number is negative, the combined amount is combined according to the same merchant number, and total amount settlement marking information is generated.
Optionally, the payment condition confirmation module 330 is specifically configured to:
for each merchant in the settlement payment application form, acquiring the account details of payment and collection of the merchant in a set time period;
Summing the payment amount and the collection amount, if the sum is smaller than or equal to zero, indicating that the merchant does not have historical arrears, and determining that the merchant meets the payment requirement; if the sum is greater than zero, indicating that the merchant has historical arrears, and determining that the merchant does not meet the payment requirement.
The merchant settlement and payment processing device based on the RPA and the AI provided by the embodiment of the invention can execute the merchant settlement and payment processing method based on the RPA and the AI provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method. Technical details not described in detail in the above embodiments may be referred to the RPA and AI-based merchant settlement payment processing method provided in any embodiment of the present invention.
Example IV
Referring to fig. 4, fig. 4 is a schematic structural diagram of a computing device according to a fourth embodiment of the present invention. As shown in fig. 4, the computing device may include:
A memory 701 storing executable program code;
A processor 702 coupled with the memory 701;
The processor 702 invokes executable program codes stored in the memory 701 to execute the merchant settlement payment processing method based on RPA and AI according to any embodiment of the present invention.
The embodiment of the invention discloses a computer readable storage medium which stores a computer program, wherein the computer program enables a computer to execute the merchant settlement payment processing method based on RPA and AI provided by any embodiment of the invention.
In various embodiments of the present invention, it should be understood that the sequence numbers of the foregoing processes do not imply that the execution sequences of the processes should be determined by the functions and internal logic of the processes, and should not be construed as limiting the implementation of the embodiments of the present invention.
In the embodiments provided herein, it should be understood that "B corresponding to a" means that B is associated with a from which B may be determined. It should also be understood that determining B from a does not mean determining B from a alone, but may also determine B from a and/or other information.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units described above, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer-accessible memory. Based on this understanding, the technical solution of the present invention, or a part contributing to the prior art or all or part of the technical solution, may be embodied in the form of a software product stored in a memory, comprising several requests for a computer device (which may be a personal computer, a server or a network device, etc., in particular may be a processor in a computer device) to execute some or all of the steps of the above-mentioned method of the various embodiments of the present invention.
Those of ordinary skill in the art will appreciate that all or part of the steps of the various methods of the above embodiments may be implemented by a program that instructs associated hardware, the program may be stored in a computer readable storage medium including Read-Only Memory (ROM), random access Memory (Random Access Memory, RAM), programmable Read-Only Memory (Programmable Read-Only Memory, PROM), erasable programmable Read-Only Memory (Erasable Programmable Read Only Memory, EPROM), one-time programmable Read-Only Memory (OTPROM), electrically erasable programmable Read-Only Memory (EEPROM), compact disc Read-Only Memory (Compact Disc Read-Only Memory, CD-ROM) or other optical disk Memory, magnetic disk Memory, tape Memory, or any other medium that can be used for carrying or storing data.
Those of ordinary skill in the art will appreciate that: the drawing is a schematic diagram of one embodiment and the modules or flows in the drawing are not necessarily required to practice the invention.
Those of ordinary skill in the art will appreciate that: the modules in the apparatus of the embodiments may be distributed in the apparatus of the embodiments according to the description of the embodiments, or may be located in one or more apparatuses different from the present embodiments with corresponding changes. The modules of the above embodiments may be combined into one module, or may be further split into a plurality of sub-modules.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present invention, and are not limiting; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some of the technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention.
Claims (8)
1. A merchant settlement payment processing method based on RPA and AI is characterized by comprising the following steps:
s1, auditing each item to be audited in the payment application form; the items to be checked comprise contract numbers, statement numbers and settlement amounts corresponding to different cooperative items;
S2, after all the items to be audited pass the audit, adjusting the format of the audited settlement payment application form to a format which meets the requirements of a payment system, and importing the settlement payment application form with the adjusted format into the payment system;
s3, for each merchant in the settlement payment application form, according to the account transaction details of the merchant, if the fact that the merchant does not have historical arrears is determined, determining that the merchant meets the payment requirement;
S4, paying the merchant meeting the payment requirement through the payment system;
wherein, the S2 specifically includes:
S21, after all the items to be audited pass the audit, storing settlement information corresponding to each cooperative item in the audited settlement payment application form according to a naming rule of a payment system, and taking the stored file as an intermediate file;
S22, combining payment amounts in the intermediate files corresponding to each cooperative item to generate total amount settlement marking information;
s23, for each noted cooperative project, if the occurrence of change of account information corresponding to the project is detected, updating the original account information into new account information;
S24, importing the settlement payment application form with the account information adjusted into a payment system;
wherein, the step S22 specifically includes:
S221, combining the payment amount with negative value in the intermediate file according to the same contract number for the intermediate file corresponding to each cooperative item;
s222, if the combined amount of the same contract number is negative, combining the combined amount according to the same merchant number to generate total amount settlement marking information;
Under the condition that the settlement payment application form is of a manual input type, searching a target contract number in an intermediate file corresponding to a cooperative project for the target contract number with the negative amount in the settlement payment application form, and if the target contract number is searched, merging the amount corresponding to the target contract number in the settlement payment application form of the manual input type with the amount with the negative amount corresponding to the target contract number in the intermediate file; and adding the information corresponding to the contract number to the intermediate file corresponding to the corresponding cooperative project for the contract number corresponding to the positive amount in the settlement payment application form of the manual input type.
2. The method of claim 1, wherein if the settlement payment application form is in PDF format, the contents of the settlement payment application form are obtained by recognizing the settlement payment application form by using an optical character recognition OCR method.
3. The method according to claim 1, wherein S1 specifically comprises:
S11, searching a to-be-checked item corresponding to each cooperative item in the calculated payment application form in a business system;
s12, if the content matched with the to-be-checked item of the cooperative item in the settlement payment application form is searched in the service system, determining that the to-be-checked item is checked and passed;
s13, for the to-be-checked item which is checked successfully, marking information which is checked successfully is added into the settlement payment application form.
4. The method according to claim 1, wherein S3 specifically comprises:
S31, for each merchant in the settlement payment application form, acquiring the account details of payment and collection of the merchant in a set time period;
S32, summing the payment amount and the collection amount, if the sum is smaller than or equal to zero, the fact that the merchant does not have historical arrears is indicated, and the merchant is determined to meet the payment requirement; if the sum is greater than zero, indicating that the merchant has historical arrears, and determining that the merchant does not meet the payment requirement.
5. A merchant settlement payment processing device based on RPA and AI, comprising:
An audit module configured to: checking each item to be checked in the settlement payment application form; the items to be checked comprise contract numbers, statement numbers and settlement amounts corresponding to different cooperative items;
A format adjustment module configured to: after all the items to be audited pass the audit, the format of the audited settlement payment application form is adjusted to be in accordance with the requirements of the payment system, and the settlement payment application form with the adjusted format is imported into the payment system;
A payment condition confirmation module configured to: for each merchant in the settlement payment application form, according to the account transaction details of the merchant, if the fact that the merchant does not have historical arrears is determined, determining that the merchant meets the payment requirement;
A payment module configured to: paying the merchant meeting the payment requirement through the payment system;
Wherein, the format adjustment module includes:
An intermediate file generation unit configured to: after all the items to be audited pass the audit, storing the settlement information corresponding to each cooperative item in the audited settlement payment application form according to the naming rule of the payment system, and taking the stored file as an intermediate file;
An amount combining unit configured to: combining payment amounts in the intermediate files corresponding to each cooperative item to generate total amount settlement annotation information;
An account information updating unit configured to: for each noted cooperative item, if the change of the account information corresponding to the item is detected, updating the original account information into new account information;
An application form importing unit configured to: importing the settlement payment application form with the account information adjusted into a payment system;
Wherein, the amount merging unit is specifically configured to:
For the intermediate file corresponding to each cooperative project, combining the payment amount with negative value in the intermediate file according to the same contract number;
if the combined amount of the same contract number is negative, the combined amount is combined according to the same merchant number, and total amount settlement marking information is generated;
Under the condition that the settlement payment application form is of a manual input type, searching a target contract number in an intermediate file corresponding to a cooperative project for the target contract number with the negative amount in the settlement payment application form, and if the target contract number is searched, merging the amount corresponding to the target contract number in the settlement payment application form of the manual input type with the amount with the negative amount corresponding to the target contract number in the intermediate file; and adding the information corresponding to the contract number to the intermediate file corresponding to the corresponding cooperative project for the contract number corresponding to the positive amount in the settlement payment application form of the manual input type.
6. The apparatus of claim 5, wherein the auditing module is specifically configured to:
Searching each cooperative item in the settlement payment application form in a service system for a to-be-checked item corresponding to the cooperative item;
If the content matched with the to-be-checked item of the cooperative item in the settlement payment application form is searched in the service system, determining that the to-be-checked item is checked and passed;
And adding label information of successful verification for the to-be-verified item which is successfully verified in the settlement payment application form.
7. An apparatus, the apparatus comprising:
One or more processors;
Storage means for storing one or more programs,
The one or more programs, when executed by the one or more processors, cause the one or more processors to implement the RPA and AI-based merchant settlement payment processing method of any one of claims 1-4.
8. A computer readable storage medium having stored thereon a computer program, which when executed by a processor implements the RPA and AI-based merchant settlement payment processing method according to any one of claims 1-4.
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| TWI818550B (en) * | 2022-05-24 | 2023-10-11 | 兆豐國際商業銀行股份有限公司 | Server for querying transaction document based on artificial intelligence |
| CN115018478A (en) * | 2022-06-28 | 2022-09-06 | 浪潮通用软件有限公司 | Method, device, equipment and medium for processing payment document |
| CN115271653A (en) * | 2022-07-25 | 2022-11-01 | 来也科技(北京)有限公司 | Receipt approval method, device, equipment and medium for realizing IA (IA) based on RPA (resilient packet Access) and AI (Artificial Intelligence architecture) |
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