CN103679533A - System and method for processing account service - Google Patents
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- CN103679533A CN103679533A CN201310660806.9A CN201310660806A CN103679533A CN 103679533 A CN103679533 A CN 103679533A CN 201310660806 A CN201310660806 A CN 201310660806A CN 103679533 A CN103679533 A CN 103679533A
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Abstract
The invention provides a system and method for processing an account service. According to the method, a purchasing inventory of the purchasing part, a cargo supply inventory of a supply part corresponding to the purchasing part and arrival information of cargoes delivered by the logistics part are obtained; after the arrival information of the cargoes is received, the purchasing inventory and the cargo supply inventory are checked and according to a checking result, account receivable information is generated and sent to a financial service part corresponding to the purchasing part; all the account receivable information corresponding to the purchasing part is regularly packaged into insurance buying information which is sent to an insurance service part corresponding to the purchasing part; whether the financial service part pays the money corresponding to the account receivable information in a preset payment time limit or not is monitored; if not, the account receivable information included in the insurance payment order and the corresponding insurance buying information are checked and according to a check result, the insurance service part is instructed to pay the money to the corresponding financial service part according to the preset proportion; if yes, the insurance service part is instructed to delete the insurance buying information corresponding to the paid order.
Description
Technical field
The present invention relates to a kind of system and method for processing funds on account business.
Background technology
Along with China's fast increasing economy, insurance is also developed thereupon, insurance company's quantity is up to family more than 150, design, function, service, channel due to insurance company's product, or even the organizational structure of company is all basically identical, cause the homogeneity competition of insurance more and more fierce, produce danger and mainly concentrate in vehicle insurance and enterprise's property insurance, the homogeneity competition of life insurance products is more serious.Insurance company, in order to extend volume growth, has to adopt the method competitions such as rate war, service charge war, return commission war, makes market become a slice Red sea.
The modern manage mechanisms such as accounts receivable market is the insurance market of economic field maximum, and current large enterprises all carry out zero inventory, become more meticulous, more than the supply of material requires batch, single lot number amount is few.Due to traditional insurance method adopt one single examine a core by pen handle, formality is numerous, cost is high, so to more than the supply of material batch, the insurance business that single lot number amount is few cannot be managed substantially.The accounts receivable business of small enterprise is again because have a big risk, the reasons such as unit cost height, and insurance company dare not manage especially.Statistics in 2010, China total trade volume 115 trillion yuan, wherein carry out and put enterprise that account sells on credit up to 87.6%, and the enterprise that implements accounts receivable insurance only accounts for very little 0.14%.Because existing insurance field lacks advanced technological means and business method, at present, insurance company is in the face of being deeply aware of one's own helplessness when faced with a great task in the very huge accounts receivable insurance market of scale.
Accounts receivable long problem return period for current supplier, particularly medium-sized and small enterprises, provides a solution.
Summary of the invention
The shortcoming of prior art, the object of the present invention is to provide a kind of system and method for processing funds on account business in view of the above, the problem that how to shorten the accounts receivable return period of medium-sized and small enterprises for solving prior art.
For achieving the above object and other relevant objects, the invention provides a kind of system of processing funds on account business, be applied to the funds on account business between buying side, supplier, logistics side, financial service side, insurance service side, described system comprises: acquisition module, for obtaining the shopping list of described buying side, the goods that the described corresponding supplier's in buying side supply of material inventory and described logistics side provide and deliver arrives information; Accounts receivable message processing module, for when receiving described goods arrival information, described shopping list and described supply of material inventory are checked, and generated and answer receipt on account information according to checked result, and described accounts receivable information is sent to corresponding financial service side, described buying side; Packetization module regularly, for the cycle according to default by corresponding each accounts receivable information of described buying side institute generation information of insuring of packing, and by described in the information of insuring offer corresponding insurance service side, described buying side; Whether monitoring module, pay the corresponding fund of described accounts receivable information for monitoring described financial service side within the default payment time limit, if do not pay, export insurance payment instruction, if pay, exports payment instruction; Insurance payment module, for by described insurance payment instruction or payment instruction has comprised answer receipt on account information and the corresponding information of insuring check, when receiving described insurance payment instruction, according to checked result, make insurance service side pay corresponding financial service side by the fund of preset ratio, for described financial service side, received fund is offered to corresponding supplier; Described in receiving during payment instruction, make insurance service side that the part of the corresponding information of insuring of described payment instruction is deleted.
Preferably, described timing packetization module also arranges marking code for the information of insuring each being generated according to the default respectively side of buying code, insurance service side's code, financial service side's code, so that described insurance payment module searches according to described marking code the information of insuring accordingly.
Preferably, described insurance payment module also, for according to checked result, is fed back corresponding response message to corresponding financial service side.
Preferably, described monitoring module also for by described insurance payment instruction or payment instruction by note or E-mail, send to described insurance service side.
Preferably, be every day Preset Time or default hour interval of described cycle.
Based on above-mentioned purpose, the present invention also provides a kind of method of processing funds on account business, be applied to the funds on account business between buying side, supplier, logistics side, financial service side, insurance service side, comprise: obtain the shopping list of described buying side, the goods that the described corresponding supplier's in buying side supply of material inventory and described logistics side provide and deliver arrives information; When receiving described goods arrival information, described shopping list and described supply of material inventory are checked, and generated and answer receipt on account information according to checked result, and described accounts receivable information is sent to corresponding financial service side, described buying side; Corresponding each accounts receivable information of described buying side institute pack and generated the information of insuring according to the default cycle, and described in general, the information of insuring offers corresponding insurance service side, described buying side; Monitor described financial service side and whether within the default payment time limit, pay the corresponding fund of described accounts receivable information, if do not pay, export insurance payment instruction, if pay, exports payment instruction; Described insurance payment instruction or answer receipt on account information and the corresponding information of insuring that have comprised in payment instruction are checked, when receiving described insurance payment instruction, according to checked result, make insurance service side pay corresponding financial service side by the fund of preset ratio, for described financial service side, received fund is offered to corresponding supplier; Described in receiving during payment instruction, make insurance service side that the part of the corresponding information of insuring of described payment instruction is deleted.
Preferably, according to the default cycle by described buying side corresponding each accounts receivable information mode that generates the information of insuring of pack also comprise: the information of insuring each being generated according to the respectively side of buying code, insurance service side's code, the financial service side's code preset arranges marking code, so that described insurance payment module searches according to described marking code the information of insuring accordingly.
Preferably, described method also comprises: according to checked result, to corresponding financial service side, feed back corresponding response message.
Preferably, export insurance payment instruction and the mode of payment instruction comprise: by described insurance payment instruction or payment instruction by note or E-mail, send to described insurance service side.
Preferably, be every day Preset Time or default hour interval of described cycle.
As mentioned above, the system and method for processing funds on account business of the present invention, has following beneficial effect: the insurance business that can make insurance company was from originally changing the industry to low-risk high-quality credit purchase commercial business in the face of high risk medium and small micro-supplier; Make small amount that original credit grade is not high, scattered trade debtor by structural rearrangement, concentrate and be packaged into after extensive insurance assets bag, change the high quality assets on insurance market into; Accounts receivable packing application for insurance, the declaration form flow process all on-line that forms, examines, insures has been networked, and can significantly reduce the cost of insurance coverage, the efficiency of raising insurance service.
Accompanying drawing explanation
Fig. 1 is shown as the structural representation of the system of processing funds on account business of the present invention.
Fig. 2 is shown as the process flow diagram of the method for processing funds on account business of the present invention.
Element numbers explanation
1 processes the system of funds on account business
11 acquisition modules
12 accounts receivable message processing modules
13 timing packetization module
14 monitoring modules
15 insurance payment module
S1～S5 step
Embodiment
Below, by specific instantiation explanation embodiments of the present invention, those skilled in the art can understand other advantages of the present invention and effect easily by the disclosed content of this instructions.The present invention can also be implemented or be applied by other different embodiment, and the every details in this instructions also can be based on different viewpoints and application, carries out various modifications or change not deviating under spirit of the present invention.It should be noted that, in the situation that not conflicting, the feature in following examples and embodiment can combine mutually.
Refer to Fig. 1, the invention provides a kind of system of processing funds on account business, be applied to the funds on account business between buying side, supplier, logistics side, financial service side, insurance service side.
Wherein, buying side and financial service side, insurance service side have signed disbursement insurance contract in advance.Corresponding at least one buying side, each insurance service side, corresponding at least one buying side, each financial service side and described insurance service side.In financial service side, preserve the respectively side's of buying information and each corresponding each vendor information in buying side, in described insurance service side, preserve each financial service side, corresponding each buying side and each supplier's information.
Wherein, described funds on account transaction processing system 1 is arranged in computer equipment, and utilizes the hardware in computer equipment to carry out.Described computer equipment includes but not limited to: server, distributed server, the server based on cloud etc.Described funds on account transaction processing system 1 comprises: acquisition module 11, accounts receivable message processing module 12, timing packetization module 13, monitoring module 14, insurance payment module 15.
Described acquisition module 11 for obtaining the shopping list of described buying side, the goods that the described corresponding supplier's in buying side supply of material inventory and described logistics side provide and deliver arrives information.
Particularly, the interface that described buying side utilizes described funds on account transaction processing system 1 to provide is filled in shopping list and is submitted to, described acquisition module 11 obtains described shopping list, wherein, described shopping list comprises: Description of Goods, type, model, quantity, vendor information, arrival time, method of shipment etc., the quantity of described shopping list can be one, can be also a plurality of.
The interface that described supplier provides to described funds on account transaction processing system 1 according to institute's shipment is filled in supply of material inventory and is submitted to, described acquisition module 11 obtains described supply of material inventory, wherein, described supply of material inventory comprises: Description of Goods, type, model, quantity, buying side's information, unit price, total price etc.
Described logistics side sends to described acquisition module 11 by described goods arrival information after sign for buying side.Wherein, described goods arrival information comprises: vendor information, the side's of buying information, time of arrival, recipient's information, cargo type etc.
Described accounts receivable message processing module 12 is for when obtaining arrival information described in receiving, described shopping list and described supply of material inventory are checked, and generate and answer receipt on account information according to checked result, and described accounts receivable information is sent to corresponding financial service side, described buying side.Wherein, described accounts receivable information comprises: Description of Goods, type, model, quantity, buying side's information, vendor information, unit price, total price.Wherein, described buying side information comprises: buying party name, bank of deposit's information etc.Described vendor information comprises: supplier's title, bank of deposit's information etc.
Particularly, when supplier gives corresponding buying side according to shopping list by cargo delivery, the goods providing according to logistics side arrives information, described accounts receivable message processing module 12 is checked described shopping list and described supply of material inventory, if all consistent, described in basis, answer the form of receipt on account information, by the cost in supply of material inventory, the side's of buying information, supplier's information etc. encapsulates, to obtain an accounts receivable information, and according to predefined corresponding relation, described accounts receivable information is sent to corresponding financial service side, buying side, if part is consistent, consistent part is encapsulated according to the described form of receipt on account information of answering, and send to corresponding financial service side, buying side.Or, if part is consistent, disregard and inform buying side, shopping list is inconsistent with corresponding supply of material inventory.Wherein, described accounts receivable information can be text formatting, XML form etc.
Described timing packetization module 13 pack corresponding each accounts receivable information of described buying side institute to generate the information of insuring for the cycle according to default, and described in general, the information of insuring offers corresponding insurance service side, described buying side.
Particularly, described timing packetization module 13 be take each buying side as classification, the accounts receivable information of the up-to-date generation in each buying side is packaged into the portion information of insuring according to the form of the information of insuring according to the default cycle, and the described information of insuring is sent to the insurance service side signing with described buying side.Wherein, the described cycle can be set according to the quantity of the corresponding accounts receivable information in each buying side, preferably, and the Preset Time that the described cycle is every day or default hour interval.
Preferably, described timing packetization module 13 also arranges marking code for the information of insuring each being generated according to the default respectively side of buying code, insurance service side's code, financial service side's code, so that described insurance payment module 15 searches according to described marking code the information of insuring accordingly.
For example, insurance service side's code name is B, is numbered 0002, the side of buying code name C, be numbered 0003, supplier's code name, be numbered 0002, the information of insuring of described buying side in order label is 1234, and the marking code of the set information of insuring of described timing packetization module 13 can be: B0002C0003G00021234.When packing, described timing packetization module 13 adds corresponding marking code in each insures information, and described insurance payment module 15 searches according to described marking code the information of insuring accordingly.
Whether described monitoring module 14 pays the corresponding fund of described accounts receivable information for monitoring described financial service side within the default payment time limit, if do not pay, export insurance payment instruction, if pay, exports payment instruction.
Particularly, at described accounts receivable message processing module 12, accounts receivable information is sent to behind financial service side, described monitoring module 14 starts to monitor the time of payment of corresponding financial service side to this accounts receivable information, when the interface providing by described monitoring module 14 within the default payment time limit when buying side indicates described financial service side to pay the corresponding fund of this accounts receivable information, described monitoring module 14 is exported payment instruction, otherwise, export insurance payment instruction.Wherein, described payment instruction and insurance at least comprise in payment instruction: answer receipt on account information, a plurality of in the information of insuring and marking code.
Wherein, the mode that described monitoring module 14 is exported payment instruction or insurance payment instruction includes but not limited to: by interface, be transferred to insurance service side.Preferably, described monitoring module 14 by described insurance payment instruction or payment instruction by note or E-mail, send to described insurance service side.The system 1 that so can adapt to various frameworks.
Described insurance payment module 15 for by described insurance payment instruction or payment instruction has comprised answer receipt on account information and the corresponding information of insuring check, when receiving described insurance payment instruction, according to checked result, make insurance service side pay corresponding financial service side by the fund of preset ratio, for described financial service side, received fund is offered to corresponding supplier; Described in receiving during payment instruction, make insurance service side that the part of the corresponding information of insuring of described payment instruction is deleted.
Particularly, described insurance payment module 15 is when receiving described insurance payment instruction, according to the marking code in described insurance payment instruction, search the information of insuring accordingly, and answer receipt on account information and the information of insuring of searching in described insurance payment instruction are checked, if insure described in described accounts receivable information belongs in range of information, according to preset ratio, by a part for the fund in described accounts receivable information, pay corresponding financial service side, otherwise, if insure described in described accounts receivable information does not belong in range of information, withhold payment.Wherein, described preset ratio can be from 1%-99%.For example, described preset ratio is 70%.
If what described insurance payment module 15 received is payment instruction, according to the information of insuring accordingly of the marking code in described payment instruction, and answer receipt on account information and the information of insuring of searching in described payment instruction are checked, if insure described in described accounts receivable information belongs in range of information, described accounts receivable message part of insuring in information is deleted, and the information of insuring described in upgrading, otherwise, if insure described in described accounts receivable information does not belong in range of information, disregard.
Preferably, described insurance payment module 15, also according to checked result, is fed back corresponding response message to corresponding financial service side, so that described financial service side is further checked or make described financial service side confirm accounts receivable based on described response message.The mode of the response message that wherein, described insurance payment module 15 is withheld payment to corresponding financial service side feedback includes but not limited to: mobile phone short messages or E-mail mode.
Particularly, described insurance payment module 15 is receiving described insurance payment instruction, and by described insurance payment instruction answer receipt on account information and the information of insuring of searching to check time, if insure described in described accounts receivable information belongs in range of information, cash without discount payment in part after fund, to paid financial service side, send prepaid response message making described insurance service side prop up; If insure described in described accounts receivable information does not belong to, in range of information, to the financial service side that will pay, send the response message of again checking.
Described insurance payment module 15 payment instruction described in receiving, and by described payment instruction answer receipt on account information and the information of insuring of searching to check time, if insure described in described accounts receivable information belongs in range of information, send confirmed response message to described financial service side; If insure described in described accounts receivable information does not belong to, in range of information, to described financial service side, send the response message that does not belong to the information of originally insuring.
As shown in Figure 2, the invention provides a kind of method of processing funds on account business., be applied to the funds on account business between buying side, supplier, logistics side, financial service side, insurance service side.The method of described processing funds on account business is mainly carried out by above-mentioned funds on account transaction processing system.
In step S1, the goods that described funds on account transaction processing system obtains the shopping list of described buying side, the described corresponding supplier's in buying side supply of material inventory and described logistics side provide and deliver arrives information.
Particularly, the interface that described buying side utilizes described funds on account transaction processing system to provide is filled in shopping list and is submitted to, described funds on account transaction processing system obtains described shopping list, wherein, described shopping list comprises: Description of Goods, type, model, quantity, vendor information, arrival time, method of shipment etc., the quantity of described shopping list can be one, can be also a plurality of.
The interface that described supplier provides to described funds on account transaction processing system according to institute's shipment is filled in supply of material inventory and is submitted to, described funds on account transaction processing system obtains described supply of material inventory, wherein, described supply of material inventory comprises: Description of Goods, type, model, quantity, buying side's information, unit price, total price etc.
Described logistics side sends to described funds on account transaction processing system by described goods arrival information after sign for buying side.Wherein, described goods arrival information comprises: vendor information, the side's of buying information, time of arrival, recipient's information, cargo type etc.
In step S2, described funds on account transaction processing system is when obtaining arrival information described in receiving, described shopping list and described supply of material inventory are checked, and generated and answer receipt on account information according to checked result, and described accounts receivable information is sent to corresponding financial service side, described buying side.Wherein, described accounts receivable information comprises: Description of Goods, type, model, quantity, buying side's information, vendor information, unit price, total price.Wherein, described buying side information comprises: buying party name, bank of deposit's information etc.Described vendor information comprises: supplier's title, bank of deposit's information etc.
Particularly, when supplier gives corresponding buying side according to shopping list by cargo delivery, the goods providing according to logistics side arrives information, described funds on account transaction processing system is checked described shopping list and described supply of material inventory, if all consistent, described in basis, answer the form of receipt on account information, by the cost in supply of material inventory, the side's of buying information, supplier's information etc. encapsulates, to obtain an accounts receivable information, and according to predefined corresponding relation, described accounts receivable information is sent to corresponding financial service side, buying side, if part is consistent, consistent part is encapsulated according to the described form of receipt on account information of answering, and send to corresponding financial service side, buying side.Or, if part is consistent, disregard and inform buying side, shopping list is inconsistent with corresponding supply of material inventory.Wherein, described accounts receivable information can be text formatting, XML form etc.
In step S3, described funds on account transaction processing system pack corresponding each accounts receivable information of described buying side institute to generate the information of insuring according to the default cycle, and described in general, the information of insuring offers corresponding insurance service side, described buying side.
Particularly, described funds on account transaction processing system be take each buying side as classification, the accounts receivable information of the up-to-date generation in each buying side is packaged into the portion information of insuring according to the form of the information of insuring according to the default cycle, and the described information of insuring is sent to the insurance service side signing with described buying side.Wherein, the described cycle can be set according to the quantity of the corresponding accounts receivable information in each buying side, preferably, and the Preset Time that the described cycle is every day or default hour interval.
Preferably, described funds on account transaction processing system also arranges marking code for the information of insuring each being generated according to the default respectively side of buying code, insurance service side's code, financial service side's code, so that described insurance payment module searches according to described marking code the information of insuring accordingly.
For example, insurance service side's code name is B, is numbered 0002, the side of buying code name C, be numbered 0003, supplier's code name, be numbered 0002, the information of insuring of described buying side in order label is 1234, and the marking code of the set information of insuring of described funds on account transaction processing system can be: B0002C0003G00021234.When packing, described funds on account transaction processing system adds corresponding marking code in each insures information, and described insurance payment module searches according to described marking code the information of insuring accordingly.
In step S4, described funds on account transaction processing system is monitored described financial service side and whether within the default payment time limit, is paid the corresponding fund of described accounts receivable information, if do not pay, export insurance payment instruction, if pay, exports payment instruction.
Particularly, at described accounts receivable message processing module, accounts receivable information is sent to behind financial service side, described funds on account transaction processing system starts to monitor the time of payment of corresponding financial service side to this accounts receivable information, when the interface providing by described funds on account transaction processing system within the default payment time limit when buying side indicates described financial service side to pay the corresponding fund of this accounts receivable information, described funds on account transaction processing system is exported payment instruction, otherwise, export insurance payment instruction.Wherein, described payment instruction and insurance at least comprise in payment instruction: answer receipt on account information, a plurality of in the information of insuring and marking code.
Wherein, the mode that described funds on account transaction processing system is exported payment instruction or insurance payment instruction includes but not limited to: by interface, be transferred to insurance service side.Preferably, described funds on account transaction processing system by described insurance payment instruction or payment instruction by note or E-mail, send to described insurance service side.So can adapt to the system of various frameworks.
In step S5, described funds on account transaction processing system is checked described insurance payment instruction or answer receipt on account information and the corresponding information of insuring that have comprised in payment instruction, when receiving described insurance payment instruction, according to checked result, make insurance service side pay corresponding financial service side by the fund of preset ratio, for described financial service side, received fund is offered to corresponding supplier; Described in receiving during payment instruction, make insurance service side that the part of the corresponding information of insuring of described payment instruction is deleted.
Particularly, described funds on account transaction processing system is when receiving described insurance payment instruction, according to the marking code in described insurance payment instruction, search the information of insuring accordingly, and answer receipt on account information and the information of insuring of searching in described insurance payment instruction are checked, if insure described in described accounts receivable information belongs in range of information, according to preset ratio, by a part for the fund in described accounts receivable information, pay corresponding financial service side, otherwise, if insure described in described accounts receivable information does not belong in range of information, withhold payment.Wherein, described preset ratio can be from 1%-99%.For example, described preset ratio is 70%.
If what described funds on account transaction processing system received is payment instruction, according to the information of insuring accordingly of the marking code in described payment instruction, and answer receipt on account information and the information of insuring of searching in described payment instruction are checked, if insure described in described accounts receivable information belongs in range of information, described accounts receivable message part of insuring in information is deleted, and the information of insuring described in upgrading, otherwise, if insure described in described accounts receivable information does not belong in range of information, disregard.
Preferably, described funds on account transaction processing system is also according to checked result, to corresponding financial service side, feed back corresponding response message, so that described financial service side is further checked or make described financial service side confirm accounts receivable based on described response message.The mode of the response message that wherein, described funds on account transaction processing system is withheld payment to corresponding financial service side feedback includes but not limited to: mobile phone short messages or E-mail mode.
Particularly, described funds on account transaction processing system is receiving described insurance payment instruction, and by described insurance payment instruction answer receipt on account information and the information of insuring of searching to check time, if insure described in described accounts receivable information belongs in range of information, cash without discount payment in part after fund, to paid financial service side, send prepaid response message making described insurance service side prop up; If insure described in described accounts receivable information does not belong to, in range of information, to the financial service side that will pay, send the response message of again checking.
Described funds on account transaction processing system payment instruction described in receiving, and by described payment instruction answer receipt on account information and the information of insuring of searching to check time, if insure described in described accounts receivable information belongs in range of information, send confirmed response message to described financial service side; If insure described in described accounts receivable information does not belong to, in range of information, to described financial service side, send the response message that does not belong to the information of originally insuring.
In sum, the beneficial effect of the system and method for processing funds on account business of the present invention is as follows:
The insurance business that can make insurance company was from originally changing the industry to low-risk high-quality credit purchase commercial business in the face of high risk medium and small micro-supplier;
Make small amount that original credit grade is not high, scattered trade debtor by structural rearrangement, concentrate and be packaged into after extensive insurance assets bag, change the high quality assets on insurance market into;
Accounts receivable packing application for insurance, the declaration form flow process all on-line that forms, examines, insures has been networked, and can significantly reduce the cost of insurance coverage, the efficiency of raising insurance service;
Can avoid the homogeneity competition of insurance market fierceness, open up huge indigo plant sea insurance new business;
Accounts receivable " is concentrated packing insurance assets bag ", and business has the continuable feature of scale.
Compare existing insurance technical method by pen handle, formality is loaded down with trivial details, the shortcoming such as cost is high, and efficiency is low.The present invention, the adequate and systematic service of interface, integrate scrappy funds on account for unified insurance policy, not only reduces the running cost of insurance business, more convenient management and the maintenance of declaration form by the customization of insurance products.So the present invention has effectively overcome various shortcoming of the prior art and tool high industrial utilization.
Above-described embodiment is illustrative principle of the present invention and effect thereof only, but not for limiting the present invention.Any person skilled in the art scholar all can, under spirit of the present invention and category, modify or change above-described embodiment.Therefore, such as in affiliated technical field, have and conventionally know that the knowledgeable, not departing from all equivalence modifications that complete under disclosed spirit and technological thought or changing, must be contained by claim of the present invention.
Claims (10)
1. process a system for funds on account business, be applied to the funds on account business between buying side, supplier, logistics side, financial service side, insurance service side, it is characterized in that, comprising:
Acquisition module, for obtaining the shopping list of described buying side, the goods that the described corresponding supplier's in buying side supply of material inventory and described logistics side provide and deliver arrives information;
Accounts receivable message processing module, for when receiving described goods arrival information, described shopping list and described supply of material inventory are checked, and generated and answer receipt on account information according to checked result, and described accounts receivable information is sent to corresponding financial service side, described buying side;
Packetization module regularly, for the cycle according to default by corresponding each accounts receivable information of described buying side institute generation information of insuring of packing, and by described in the information of insuring offer corresponding insurance service side, described buying side;
Whether monitoring module, pay the corresponding fund of described accounts receivable information for monitoring described financial service side within the default payment time limit, if do not pay, export insurance payment instruction, if pay, exports payment instruction;
Insurance payment module, for by described insurance payment instruction or payment instruction has comprised answer receipt on account information and the corresponding information of insuring check, when receiving described insurance payment instruction, according to checked result, make insurance service side pay corresponding financial service side by the fund of preset ratio, for described financial service side, received fund is offered to corresponding supplier; Described in receiving during payment instruction, make insurance service side that the part of the corresponding information of insuring of described payment instruction is deleted.
2. the system of processing funds on account business according to claim 1, it is characterized in that: described timing packetization module also arranges marking code for the information of insuring each being generated according to the default respectively side of buying code, insurance service side's code, financial service side's code, so that described insurance payment module searches according to described marking code the information of insuring accordingly.
3. the system of processing funds on account business according to claim 1, is characterized in that: described insurance payment module also, for according to checked result, is fed back corresponding response message to corresponding financial service side.
4. the system of processing funds on account business according to claim 1, is characterized in that: described monitoring module also for by described insurance payment instruction or payment instruction by note or E-mail, send to described insurance service side.
5. the system of processing funds on account business according to claim 1, is characterized in that: the Preset Time that the described cycle is every day or default hour interval.
6. process a method for funds on account business, be applied to the funds on account business between buying side, supplier, logistics side, financial service side, insurance service side, it is characterized in that, comprising:
Obtain the shopping list of described buying side, the goods that the described corresponding supplier's in buying side supply of material inventory and described logistics side provide and deliver arrives information;
When receiving described goods arrival information, described shopping list and described supply of material inventory are checked, and generated and answer receipt on account information according to checked result, and described accounts receivable information is sent to corresponding financial service side, described buying side;
Corresponding each accounts receivable information of described buying side institute pack and generated the information of insuring according to the default cycle, and described in general, the information of insuring offers corresponding insurance service side, described buying side;
Monitor described financial service side and whether within the default payment time limit, pay the corresponding fund of described accounts receivable information, if do not pay, export insurance payment instruction, if pay, exports payment instruction;
Described insurance payment instruction or answer receipt on account information and the corresponding information of insuring that have comprised in payment instruction are checked, when receiving described insurance payment instruction, according to checked result, make insurance service side pay corresponding financial service side by the fund of preset ratio, for described financial service side, received fund is offered to corresponding supplier; Described in receiving during payment instruction, make insurance service side that the part of the corresponding information of insuring of described payment instruction is deleted.
7. the method for processing funds on account business according to claim 6, it is characterized in that: according to the default cycle by described buying side corresponding each accounts receivable information mode that generates the information of insuring of pack also comprise: the information of insuring each being generated according to the respectively side of buying code, insurance service side's code, the financial service side's code preset arranges marking code, so that described insurance payment module searches according to described marking code the information of insuring accordingly.
8. the method for processing funds on account business according to claim 6, is characterized in that: described method also comprises: according to checked result, to corresponding financial service side, feed back corresponding response message.
9. the method for processing funds on account business according to claim 6, is characterized in that: the mode of export insurance payment instruction and payment instruction comprises: by described insurance payment instruction or payment instruction by note or E-mail, send to described insurance service side.
10. the method for processing funds on account business according to claim 6, is characterized in that: the Preset Time that the described cycle is every day or default hour interval.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310660806.9A CN103679533A (en) | 2013-12-09 | 2013-12-09 | System and method for processing account service |
Applications Claiming Priority (1)
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