CN114387115A

CN114387115A - Three-pillar payment management method and device

Info

Publication number: CN114387115A
Application number: CN202111525561.XA
Authority: CN
Inventors: 郝佳齐; 张战胜; 黄美玲; 张志辉; 严凌; 黎松; 杨作相; 王亚鑫; 罗孝培; 刘丙寅; 高远; 杨小凡
Original assignee: Taikang Insurance Group Co Ltd; Taikang Pension Insurance Co Ltd
Current assignee: Taikang Insurance Group Co Ltd; Taikang Pension Insurance Co Ltd
Priority date: 2021-12-14
Filing date: 2021-12-14
Publication date: 2022-04-22

Abstract

The embodiment of the invention provides a management method and a device for three-pillar payment, wherein the method is applied to a block chain platform and comprises the following steps of; under the condition that payment rules of a target account under each strut type of the three-strut model for endowment are received, the payment rules are linked and stored to the block chain platform; under the condition that a payment application of a target account is received, determining target block chain nodes based on account information and strut types in the payment application, wherein the strut types corresponding to payment rules in the target block chain nodes are the same as the strut types in the payment application; determining the abnormal condition of the payment data in the payment application based on the payment limiting rule under the preset target pillar type and the payment rule in the target block chain node; and managing the payment application based on the abnormal condition of the payment data. The embodiment of the invention can complete the payment service by using the data in different block chain nodes, thereby realizing the unified management of the payment service in the three pillars.

Description

Three-pillar payment management method and device

Technical Field

The invention relates to the technical field of data processing, in particular to a management method and device for three-pillar payment.

Background

The three-pillar old-care mode is a gold-degree old-care mode which is generally adopted internationally. Wherein, the first pillar: law enforced public pension. The first leg is generally a public pension program enforced by government laws and aimed at providing the most basic pension guarantee to retirees, while the government provides ultimate responsibility and guarantee for the public pension. A second pillar: and (4) a professional pension plan for enterprise personal mutual payment. Professional pension programs, which are jointly paid by businesses and individuals, have become the subject of pension systems in some countries. A third strut: personal endowment savings program. The third support is the personal endowment savings plan based on personal wishes and complete accumulation system, which is paid by the individual voluntarily.

At present, the payment flow and the payment rule under each pillar are the same. In order to improve the efficiency of the payment service and avoid the interference between the payment services among the pillars, the payment services under the pillars are generally managed and controlled by different management and control mechanisms.

However, the above management and control method is beneficial to management of payment services by management and control organizations, but is not user-friendly, and requires users to apply for payment services under each support column in different management and control organizations.

Disclosure of Invention

The embodiment of the invention provides a management method and a device for three-pillar payment, and aims to solve the problems that in the prior art, a user applies for payment inconveniently and the efficiency is low under a three-pillar model for old people.

In a first aspect, an embodiment of the present invention provides a management method for three-pillar payment, which is applied to a block chain platform, and the method includes:

under the condition that payment rules of a target account under each strut type of a three-strut model for endowment are received, the payment rules are linked and stored to the block chain platform, wherein the payment rules under different strut types are stored in different block chain nodes of the block chain platform;

under the condition that a payment application of a target account is received, determining a target block chain node based on account information and a pillar type in the payment application, wherein the pillar type corresponding to a payment rule in the target block chain node is the same as the pillar type in the payment application;

determining an abnormal condition of payment data in the payment application based on a payment limiting rule under a preset target pillar type and a payment rule in a target block chain node, wherein the target pillar type is the same as the pillar type in the payment application;

and managing the payment application based on the abnormal condition of the payment data.

Optionally, the block chain platform stores a payment limiting rule under each pillar type, and different limiting rule identifiers are set in the block chain platform corresponding to the payment limiting rules under different pillar types, where the payment rule under the target pillar type includes a limiting rule identifier corresponding to the payment limiting rule under the target pillar type.

Optionally, in the case of receiving a payment application of a target account, determining a target block chain node based on account information and a pillar type in the payment application includes:

under the condition that a payment application of a target account is received and the payment application meets a target condition, determining a target block chain node based on account information and a pillar type in the payment application;

wherein the target condition comprises any one of:

the pillar type in the payment application is a first pillar;

the post type in the payment application is not a first post, and the target account has completed payment under the first post.

Optionally, when the type of the target pillar is a first pillar, determining an abnormal condition of the payment data in the payment application based on a payment limit rule under a preset type of the target pillar and a payment rule in the target block chain node, including:

determining the due payment amount of the target account based on the payment rule in the target block chain node;

determining a limit amount interval of a target account based on a payment limit rule under the type of the target strut;

and determining the abnormal condition of the payment data in the payment application based on the numerical relationship between the due amount and the limit amount interval and the payment data in the payment application respectively.

Optionally, when the type of the target pillar is a second pillar, determining an abnormal condition of the payment data in the payment application based on a payment limit rule under a preset type of the target pillar and a payment rule in the target block chain node, including:

determining a target proportion value according to the proportion of the payment amount of the target account under the first support column and the second support column respectively;

determining the abnormal condition of the payment data in the payment application based on a first numerical relationship and a second numerical relationship, wherein the first numerical relationship comprises the amount to be paid, the limit amount interval and the numerical relationship of the payment data in the payment application, and the second numerical relationship comprises: and the preset proportion interval is a proportion interval determined based on the incidence relation between the first strut and the second strut in the three-strut model for endowment.

Optionally, when the type of the target pillar is a third pillar, determining an abnormal condition of the payment data in the payment application based on a payment limit rule in a preset type of the target pillar and a payment rule in the target block chain node, including:

and determining the abnormal condition of the payment data in the payment application based on the numerical relation between the limit amount interval and the payment data in the payment application.

In a second aspect, an embodiment of the present invention further provides a management method for three-pillar payment, which is applied to a blockchain platform, where the method includes:

In a third aspect, an embodiment of the present invention further provides an electronic device, including: a processor, a communication interface, a memory, and a communication bus; the processor, the communication interface and the memory complete mutual communication through a communication bus; a memory for storing a computer program; and the processor is used for realizing the steps of the management method for the payment of the three pillars when executing the program stored in the memory.

In a fourth aspect, the embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the steps in the method for managing three-leg payment are implemented as described above.

In the embodiment of the invention, by utilizing a block chain technology, under the condition that the payment rules of the target account under each post type of the three-post model for endowment are received, the payment rules of the user under different posts are stored in different block chain nodes of a block chain platform. Therefore, under the condition that a payment application of a target account is received, a target block chain node is determined based on account information and a pillar type in the payment application, and management of the payment application is achieved by using payment rules in the target block chain node and payment limiting rules under a preset target pillar type. The post type in the payment application can be any post type, that is, a user can apply for payment services under each post type, and only needs to adaptively adjust the post type in the payment application according to requirements, so that the operation of the user is reduced, and the processing efficiency is improved; meanwhile, mutual interference in the process of processing payment services under different struts is avoided.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments of the present invention will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without inventive labor.

Fig. 1 is a flowchart illustrating steps of a method for managing a three-leg payment according to an embodiment of the present invention;

fig. 2 is a schematic view of an application architecture of a management method for three-leg payment according to an embodiment of the present invention;

fig. 3 is a flowchart illustrating steps performed by a payment management contract for a first post according to an embodiment of the present invention;

fig. 4 is a flowchart illustrating steps executed by a payment management contract for a second post according to an embodiment of the present invention;

fig. 5 is a flowchart illustrating steps performed by a payment management contract for a third post according to an embodiment of the present invention;

fig. 6 is a block diagram of a three-post payment management device according to an embodiment of the present invention;

fig. 7 is a block diagram of an electronic device according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

It should be appreciated that reference throughout this specification to "one embodiment" or "an embodiment" means that a particular feature, structure or characteristic described in connection with the embodiment is included in at least one embodiment of the present invention. Thus, the appearances of the phrases "in one embodiment" or "in an embodiment" in various places throughout this specification are not necessarily all referring to the same embodiment. Furthermore, the particular features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.

In various embodiments of the present invention, it should be understood that the sequence numbers of the following processes do not mean the execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.

Referring to fig. 1, an embodiment of the present invention provides a management method for three-pillar payment, where the method is applied to a block chain platform. The block chain platform is a platform or a system built by adopting a block chain technology. The management method for the three-post payment can comprise the following steps:

step 101: and under the condition that the payment rules of the target account under each post type of the three-post model for endowment are received, the payment rules are linked and stored to the block chain platform.

It should be noted that the payment rule is a payment rule that needs to be followed or satisfied when the account handles the payment service. It can be understood that the payment rules under different strut types in the three-strut model for endowment are different, and the payment rules under the same strut type can be the same or different for different accounts. Specifically, the payment rule may be determined based on the payment service in the three-post model for endowment, that is, the user fills the data table based on the payment service in the three-post model for endowment, and sends the filled data table as the payment rule to the block chain platform. Here, the payment rules under different strut types are stored in different blockchain nodes of the blockchain platform. And storing different payment rules through different block link points. The different payment rules can be the payment rules of the same account under different strut types, and can also be the payment rules of different accounts under the same strut type.

Step 102: and under the condition of receiving a payment application of the target account, determining the target block chain node based on account information and the pillar type in the payment application.

It should be noted that the payment application is an application submitted by the target account to the blockchain platform in the process of handling the payment service, and includes account information of the target account, so that the blockchain platform area distinguishes the target account from other accounts, and thus searches data related to the target account but not related to other accounts. Specifically, the account information may include, but is not limited to, a business number, an employee certificate number, and the like. The payment application also comprises a pillar type, and can inform the block chain platform of which pillar type the target account is paid for. Specifically, the strut types include: the payment system comprises a first support column, a second support column and a third support column, wherein the support column in the payment application is any one of the three support column types.

When the pillar type in the payment application is a target pillar type, when the payment rule of a target account under the target pillar type is searched in a large number of block chain nodes of a block chain platform, in which the payment rule is stored, the target pillar type is matched with the pillar type corresponding to the payment rule in each block chain node, if the matching is successful, the two pillar types are the same, and the corresponding block chain link point is the target block chain node. Namely, the type of the strut corresponding to the payment rule in the target block chain node is the same as the type of the strut in the payment application.

Step 103: and determining the abnormal condition of the payment data in the payment application based on the payment limiting rule under the preset target pillar type and the payment rule in the target block chain node.

It should be noted that the abnormal condition of the payment data in the payment application is determined by using the payment rule and the payment limiting rule under the same pillar type. Wherein, the same pillar type is the pillar type in the payment application. I.e. the target post type is the same as the post type in the payment application.

It can be understood that, when the payment limiting rule is a limiting rule set by the payment service for payment by an account when the payment service is handled by the account. The payment limiting rules under different strut types in the three-strut model for old people are different. It can be understood that the payment limiting rules under the same pillar type do not distinguish the accounts, that is, the payment limiting rules under the same pillar type are the same for different accounts. Therefore, the payment limit rules under each pillar type can be stored in the blockchain platform in advance.

The abnormal conditions of the payment data in the payment application can include two categories, namely data abnormality and data non-abnormality, wherein the data abnormality can represent payment violation, and the data non-abnormality can represent payment non-violation.

Step 104: and managing the payment application based on the abnormal condition of the payment data.

It should be noted that, under the condition that the payment data is not abnormal, the payment process can be started, and the payment service is successfully handled. Under the condition that the payment data is abnormal, the payment service can be stopped being transacted, and a notice is sent to remind; for example, but not limited to, sending a payment violation email to a fixed mailbox address.

In the embodiment of the invention, by utilizing a block chain technology, under the condition of receiving the payment rule of the target account under each pillar type of the three-pillar model for endowment, the payment rules of the user under different pillars are stored in different block chain nodes of a block chain platform. Therefore, under the condition that a payment application of a target account is received, a target block chain node is determined based on account information and a pillar type in the payment application, and management of the payment application is achieved by using payment rules in the target block chain node and payment limiting rules under a preset target pillar type. The post type in the payment application can be any post type, that is, a user can apply for payment services under each post type, and only needs to adaptively adjust the post type in the payment application according to requirements, so that the operation of the user is reduced, and the processing efficiency is improved; meanwhile, mutual interference in the process of processing payment services under different struts is avoided.

Optionally, the block chain platform stores payment limiting rules under each pillar type, and different limiting rule identifiers are set in the block chain platform corresponding to the payment limiting rules under different pillar types, where the payment rules under the target pillar type include the limiting rule identifier corresponding to the payment limiting rules under the target pillar type.

It should be noted that the blockchain platform can handle the payment service under each post type, so the payment restriction rules under each post type will be stored. In order to distinguish different payment limiting rules, different limiting rule identifications can be set corresponding to each payment limiting rule, and the limiting rule identification can be a unique identification formed by one or more of numbers, letters and special symbols, so that different payment limiting rules have different limiting rule identifications.

When the abnormal condition of the payment data is determined, the payment rule and the payment limiting rule need to be used at the same time, and the two rules have a corresponding relation, namely, the rules are all for the same pillar type. Therefore, for convenient use, the limit rule identifier of the corresponding payment limit rule can be set in the payment rule.

Preferably, the payment rules and the payment restriction rules may be stored in the form of a data table. Specifically, as shown in table 1 below, the payment rule is stored in the form of table 1.

TABLE 1

In table 1, different field names are encoded and represented by field encoding.

The payment limit rules may be stored in the form of table 2 below.

TABLE 2

In table 2, different field names are encoded and represented by field encoding.

Accordingly, in the case where the payment rules and the payment restriction rules are stored in the form of the above table 1 and table 2, the payment application may also take the form of a data table. As shown in table 3 below.

TABLE 3

In table 3, different field names are encoded and represented by field encoding. In table 3, the enterprise number, the employee number, and the employee certificate number belong to account information, the account level is a post type, and the payment type and the real payment amount are payment data.

It can be understood that, for table 3, the department of human society can be taken as an endorsement node, and each enterprise has no right to check payment applications outside the enterprise; for table 1 above, the social department may be used as the endorsement node, but only the social department may set and view the payment data; in the above table 2, each company and the department of human society can see. Therefore, when the user reports the payment application, the user can acquire the payment limiting rule from the block chain platform as a reference.

In the embodiment of the invention, different payment limiting rules are provided with different limiting rule identifications, and the payment rules comprise the limiting rule identifications corresponding to the payment limiting rules in the same pillar type, so that after the payment rules applicable to the payment application are determined, the corresponding payment limiting rules are convenient to search, and meanwhile, the payment limiting rules can be reused without storing the payment limiting rules for different accounts.

Optionally, in a case of receiving a payment application of a target account, determining a target block chain node based on account information and a pillar type in the payment application includes:

under the condition that a payment application of a target account is received and meets target conditions, determining a target block chain node based on account information and a pillar type in the payment application;

wherein the target condition comprises any one of:

the pillar type in the payment application is a first pillar;

the type of strut in the payment application is not the first strut, and the target account has completed payment under the first strut.

It should be noted that, if the payment service of the second pillar or the third pillar is to be handled in the old-age three-pillar model, the user is required to successfully handle the payment service under the first pillar, that is, the payment under the first pillar is completed; otherwise, the payment service can not be processed continuously. The non-first strut is referred to herein as the second strut or the third strut.

In the embodiment of the invention, when the target account applies for the payment of the second strut or the third strut, the target account is required to finish the payment under the first strut, so that the payment service requirement on the second strut or the third strut in the old-age three-strut model is realized.

Optionally, when the type of the target pillar is the first pillar, determining an abnormal condition of the payment data in the payment application based on a payment limiting rule under a preset type of the target pillar and a payment rule in the target block chain node, including:

and determining the due payment amount of the target account based on the payment rule in the target block chain node.

It should be noted that the amount to be paid by the target account is the amount of payment when the target account pays according to the payment rule in the target block chain node. For example, if the payment rule is 4% of the pre-tax payroll and the pre-tax payroll of the query target account is 10000 yuan, the amount to be paid is 10000 yuan × 4% and 400 yuan.

And determining a limit amount interval of the target account based on the payment limit rule under the type of the target pillar.

It should be noted that the limited amount interval of the target account is a reasonable amount interval that needs to be followed when the target account performs payment according to the payment limiting rule under the target pillar type, that is, the payment should be located in the limited amount interval. For example, the payment limit rule is [ 0%, 8% ] of the pre-tax payroll, the pre-tax payroll of the query target account is 10000 yuan, and the limit amount interval is [0 yuan, 800 yuan ].

And determining the abnormal condition of the payment data in the payment application based on the numerical relationship between the payment amount due and the limit amount interval and the payment data in the payment application.

It should be noted that the payment data in the payment application is the payment of the target account. And when the payment amount of the target account is equal to the payment amount and is within the limit amount interval, the payment data is not abnormal, namely the payment is not illegal, otherwise, the payment is considered to be abnormal, namely the payment is illegal.

In the embodiment of the invention, the amount to be paid and the limited amount interval of the target account are determined respectively through the payment rule and the payment limiting rule, and the abnormal condition of the payment data is determined based on the numerical relationship between the amount to be paid and the limited amount interval and the payment data respectively, so that the verification of whether the payment data under the first support is abnormal or not is realized.

Optionally, when the type of the target pillar is the second pillar, determining an abnormal condition of the payment data in the payment application based on a payment limiting rule under a preset type of the target pillar and a payment rule in the target block chain node, including:

And determining the proportion of the payment amount of the target account under the first pillar and the second pillar respectively to determine a target proportion value.

It should be noted that the target proportion value is a ratio of payment amounts of the target account under the first support column and the second support column respectively. For example, the payment amounts of the target account under the first and second pillars are 100 yuan and 800 yuan, respectively, and then the target ratio value is 100/800-1/8-0.125.

And determining the abnormal condition of the payment data in the payment application based on the first numerical relationship and the second numerical relationship.

It should be noted that the first numerical relationship includes numerical relationships between the due amount and the limit amount interval and the payment data in the payment application, and the second numerical relationship includes: and the preset proportion interval is a proportion interval determined based on the incidence relation between the first support and the second support in the three-support model for endowment. It can be understood that the payment amounts under the first pillar and the second pillar in the three-pillar model for endowment need to satisfy a certain proportion, namely a preset proportion interval.

And the payment data in the payment application is the payment fee of the target account. And if the payment amount of the target account is equal to the amount to be paid, the payment amount of the target account is within the limit amount interval, and the target proportion value is within the preset proportion interval, the payment data is not abnormal, namely the payment is not illegal, otherwise, the payment is considered to be abnormal, namely the payment is illegal.

In the embodiment of the invention, the amount to be paid and the limited amount interval of the target account are determined respectively through the payment rule and the payment limiting rule, then the first numerical relationship is determined based on the numerical relationship between the amount to be paid and the limited amount interval and the payment data respectively, the second numerical relationship is determined based on the numerical relationship between the ratio of the payment amount of the target account under the first pillar and the second pillar and the preset proportion interval, the abnormal condition of the payment data is determined based on the two numerical relationships, and the verification of whether the payment data under the second pillar is abnormal or not is realized.

Optionally, when the type of the target pillar is a third pillar, determining an abnormal condition of the payment data in the payment application based on a payment limiting rule under a preset type of the target pillar and a payment rule in the target block chain node, where the abnormal condition includes:

It will be appreciated that payment is made by an individual as a result of the third leg. Therefore, the corresponding payment rules. In order to facilitate unification of the pillars, an empty payment rule can be stored corresponding to the third pillar, and any payment amount meets the payment rule.

It should be noted that the payment data in the payment application is the payment of the target account. And when the payment of the target account is within the limit amount interval, the payment data is proved to be abnormal, namely the payment is not violated, otherwise, the payment is considered to be abnormal, namely the payment is violated.

In the embodiment of the invention, the limit amount interval of the target account is determined through the payment limit rule, and the abnormal condition of the payment data is determined based on the numerical relation between the limit amount interval and the payment data, so that the payment data under the third pillar is verified whether to be abnormal or not.

Optionally, the payment rule includes: the payment method comprises a payment reference, an individual proportion and an enterprise proportion, wherein the payment reference is a reference for calculating the amount to be paid, and specifically, the payment reference can be tax payment, but is not limited thereto.

Determining the amount to be paid of the target account based on the payment rule in the target block chain node, wherein the method comprises the following steps:

calculating to obtain the amount of personal payment based on the payment reference and the personal proportion in the target block chain node;

calculating to obtain the amount of money to be paid by the enterprise based on the payment reference and the enterprise proportion in the target block chain node;

and determining the amount to be paid by the individual and the amount to be paid by the enterprise as the amount to be paid by the target account.

It should be noted that, when determining the numerical relationship between the due payment amount and the payment data, the payment data includes the personal payment amount and the enterprise payment amount, the personal payment amount is compared with the personal due payment amount, and the enterprise payment amount is compared with the enterprise due payment amount.

In the embodiment of the invention, the refinement of the corresponding payment amount is realized through the personal proportion and the enterprise proportion in the payment rule.

Optionally, the payment restriction rule includes: the system comprises a payment comparison standard, an individual proportion interval, an enterprise proportion interval and an integral proportion interval, wherein the payment comparison standard is a standard for calculating a limit amount interval, and specifically, the payment comparison standard can be a pre-tax payroll, a first pillar payment amount, a second pillar payment amount and a third pillar payment amount, but is not limited thereto.

Determining a limit amount interval of the target account based on a payment limit rule under the type of the target strut, wherein the limit amount interval comprises the following steps:

calculating to obtain an individual limit amount interval based on a payment comparison reference and an individual proportion interval in a target block chain node;

calculating to obtain an enterprise limited amount interval based on a payment comparison standard and an enterprise proportion interval in a target block chain node;

calculating to obtain an integral limited amount interval based on a payment comparison reference and an integral proportion interval in a target block chain node;

and determining the individual limit amount interval, the enterprise limit amount interval and the whole limit amount interval as the amount to be paid of the target account.

It should be noted that, when determining the numerical relationship between the limit amount section and the payment data, the payment data includes the personal payment amount and the enterprise payment amount, the personal payment amount is compared with the personal limit amount section, the enterprise payment amount is compared with the enterprise limit amount section, and the sum of the personal payment amount and the enterprise payment amount is compared with the overall limit amount section.

In the embodiment of the invention, the refinement of the limited money interval is realized through the individual proportion interval, the enterprise proportion interval and the whole proportion interval in the payment limiting rule.

Fig. 2 is a schematic view of an application architecture of a management method for three-pillar payment provided in an embodiment of the present invention, in which an account under each pillar can apply for payment to a blockchain platform. Payment applications under the first support and the second support are replaced by the enterprise. The payment application under the third post is completed by the individual. The payment process can be initiated among all the pillars respectively without the restriction of the sequence. And calling payment management contracts of all the pillars respectively on the block chain platform, and performing payment automatic payment management control in respective contracts.

For the payment management contract of the first pillar, when the target account initiates a payment process according to the contract content, the specific process is as shown in fig. 3, where the payment application includes an enterprise number, an employee certificate number, a payment month, an account number level (pillar type), an enterprise real payment, a personal real payment, and the like, and may be, for example, as shown in table 4:

TABLE 4

Step 301 is an abnormal judgment process of the payment amount of the enterprise part, step 302 is an abnormal judgment process of the payment amount of the personal part, and step 303 is an abnormal judgment process of the payment amount of the whole part (enterprise part + personal part). Step 301 and step 302 are not in sequence, and may be executed simultaneously.

Here, step 301 is first introduced: and reading payment rules stored in each block chain link point in the block chain platform according to the enterprise number and the employee number, and determining the corresponding payment rules. For example, the payment rules determined according to table 4 are shown in table 5 below:

TABLE 5

According to table 5, the number of the payment reference of the enterprise part is B001, and the payment reference is 10000 of the pre-tax payroll according to case assumption. Namely, the payment benchmark amount is determined according to the enterprise number, the employee number and the payment benchmark number.

According to the table 5, the payment proportion of the enterprise part of the employee is 8%, and the amount to be paid by the enterprise part is calculated to be 10000 multiplied by 8% and equal to 800 yuan. Namely, the amount to be paid is calculated according to the standard amount and the payment proportion.

And judging whether the sum to be paid by the enterprise part is equal to the real sum of the enterprise part, if not, promoting the violation warning of the sum to be paid by the enterprise part, and if so, reading the payment limiting rule according to the enterprise number, the account number level and the account number type. For example, the payment limit rules may be as shown in Table 6:

TABLE 6

In table 5, the proportional limit rule numbers (R001, R002, R003) are associated with table 6, it is known that R002 corresponds to the limit rule of the first pillar enterprise, the comparison criteria are pre-tax wage 10000, the lower limit is 0%, the upper limit is 8%, the limit amount interval is calculated to be [0, 800], and if the actual payment amount of the enterprise exceeds the limit amount interval, the enterprise partial proportion exceeding violation warning is pushed.

Regarding step 302, the process is similar to step 301, except that in step 302, the exception is used to determine the exception of the personal portion payment amount, the data used is the data related to the person in advance, for example, the payment proportion used in table 5 is 4%, and the calculated personal portion payment amount is 10000 × 4% and equals to 400 yuan. The lower limit ratio used in table 6 is 0%, the upper limit ratio is 4%, and the limited amount interval is calculated as [0, 400], which is not described herein again.

Similarly, regarding step 303, regarding the enterprise payment and the personal payment as a whole, the whole real payment amount is 400+800 — 1200, the lower limit proportion used in table 6 is 0%, the upper limit proportion is 12%, the limited amount interval is calculated as [0, 1200], which is not described again here.

For the payment management contract of the second post, when the target account initiates a payment process according to the contract content, the specific process is as shown in fig. 4, where the payment application includes an enterprise number, an employee certificate number, a payment month, an account number level (post type), an enterprise real payment, a personal real payment, and the like, for example, may be as shown in table 4. And then judging whether the payment is already made under the first support column, if not, pushing an alarm that the first support column is not paid, if so, judging whether the payment amount of the enterprise part is abnormal, whether the payment amount of the individual part is abnormal and whether the payment amount of the whole part is abnormal, wherein the judging process is similar to that of fig. 3, and the description is omitted. Under the condition that the payment data in the payment application are not abnormal, reading the payment amount of the first support column and the proportion limit of the payment amount of the second support column and the first support column, judging whether the payment data are abnormal again based on the ratio of the payment amount of the second support column to the payment amount of the first support column and the proportion limit, if so, pushing a proportion standard exceeding violation warning, and if not, finishing.

For the payment management contract of the third post, when the target account initiates a payment process according to the contract content, the specific process is as shown in fig. 5, where the payment application includes an enterprise number, an employee certificate number, a payment month, an account number level (post type), an enterprise real payment, a personal real payment, and the like, for example, may be as shown in table 4. And then judging whether the first support column is paid or not, if not, pushing an alarm that the first support column is not paid, and if so, reading a payment rule limiting list, namely a payment limiting rule. And (4) judging whether the payment data is abnormal or not by reading the comparison reference type, extracting the reference value and limiting a series of processes of reading the proportion, if so, pushing an overproof violation warning, and if not, finishing.

In the embodiment of the invention, the setting of the three-pillar payment limiting rule is agreed, credible and traceable based on the block chain technology. Based on the block chain contract technology, automatic payment management on the chain is realized, the management process is open and transparent, and three-pillar payment unified management is realized.

The method for managing three-post payment provided by the embodiment of the present invention is described above, and a management device for three-post payment provided by the embodiment of the present invention will be described below with reference to the accompanying drawings.

Referring to fig. 6, an embodiment of the present invention further provides a management device for three-pillar payment, which is applied to a blockchain platform, and the device includes:

the storage module 61 is configured to, under the condition that a payment rule of a target account under each strut type of the aged-care three-strut model is received, link the payment rule to a block chain platform, where the payment rules under different strut types are stored in different block chain nodes of the block chain platform;

the query module 62 is configured to determine a target block chain node based on account information and a pillar type in a payment application under the condition that the payment application of a target account is received, where a pillar type corresponding to a payment rule in the target block chain node is the same as a pillar type in the payment application;

the verification module 63 is configured to determine an abnormal condition of the payment data in the payment application based on a payment limiting rule in a preset target pillar type and a payment rule in a target block chain node, where the target pillar type is the same as the pillar type in the payment application;

and the management module 64 is used for managing the payment application based on the abnormal condition of the payment data.

Optionally, the query module 62 is specifically configured to determine a target block chain node based on the account information and the pillar type in the payment application when the payment application of the target account is received and the payment application meets the target condition;

wherein the target condition comprises any one of:

the pillar type in the payment application is a first pillar;

Optionally, in the case that the target strut type is the first strut, the checking module 63 includes:

the first determination unit is used for determining the amount of money to be paid of the target account based on the payment rule in the target block chain node;

the second determination unit is used for determining a limit amount interval of the target account based on the payment limit rule under the type of the target strut;

the first verification unit is used for determining the abnormal condition of the payment data in the payment application based on the numerical relationship between the due amount and the limit amount interval and the payment data in the payment application.

Optionally, in a case where the target strut type is the second strut, the checking module 63 includes:

the third determining unit is used for determining the amount of money to be paid of the target account based on the payment rule in the target block chain node;

the fourth determining unit is used for determining a limit amount interval of the target account based on the payment limit rule under the type of the target strut;

the fifth determining unit is used for determining the proportion of the payment amounts of the target account under the first support column and the second support column respectively to determine a target proportion value;

the second verification unit is used for determining the abnormal condition of the payment data in the payment application based on the first numerical relationship and the second numerical relationship, wherein the first numerical relationship comprises the numerical relationships between the payment amount to be paid and the limit amount interval and the payment data in the payment application, and the second numerical relationship comprises the following steps: and the preset proportion interval is a proportion interval determined based on the incidence relation between the first support and the second support in the three-support model for endowment.

Optionally, in a case where the target strut type is a third strut, the checking module 63 includes:

the sixth determining unit is used for determining a limit amount interval of the target account based on the payment limit rule under the type of the target strut;

and the third verification unit is used for determining the abnormal condition of the payment data in the payment application based on the numerical relationship between the limit amount interval and the payment data in the payment application.

The management device for three-post payment provided by the embodiment of the present invention can implement each process implemented by the management method for three-post payment in the method embodiments of fig. 1 to fig. 5, and is not described herein again to avoid repetition.

On the other hand, the embodiment of the present invention further provides an electronic device, which includes a memory, a processor, a bus, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement the steps in the management method for three-leg payment.

For example, fig. 7 shows a schematic physical structure diagram of an electronic device.

As shown in fig. 7, the electronic device may include: a processor (processor)710, a communication Interface (Communications Interface)720, a memory (memory)730, and a communication bus 740, wherein the processor 710, the communication Interface 720, and the memory 730 communicate with each other via the communication bus 740. Processor 710 may call logic instructions in memory 730 to perform the following method:

under the condition that payment rules of a target account under each strut type of the three-strut model for endowment are received, the payment rules are linked and stored to a block chain platform, wherein the payment rules under different strut types are stored in different block chain nodes of the block chain platform;

under the condition that a payment application of a target account is received, determining target block chain nodes based on account information and a pillar type in the payment application, wherein the pillar type corresponding to a payment rule in the target block chain nodes is the same as the pillar type in the payment application;

determining the abnormal condition of payment data in a payment application based on a payment limiting rule under a preset target pillar type and a payment rule in a target block chain node, wherein the target pillar type is the same as the pillar type in the payment application;

In addition, the logic instructions in the memory 730 can be implemented in the form of software functional units and stored in a computer readable storage medium when the software functional units are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

In another aspect, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program is implemented to, when executed by a processor, perform the method for managing three-leg payment provided in the foregoing embodiments, for example, the method includes:

The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.

Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present 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 solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims

1. A management method for three-pillar payment is applied to a block chain platform, and comprises the following steps:

2. The method according to claim 1, wherein the blockchain platform stores payment limiting rules under each pillar type, and different limiting rule identifiers are set in the blockchain platform corresponding to the payment limiting rules under different pillar types, wherein the payment rules under the target pillar type include the limiting rule identifier corresponding to the payment limiting rules under the target pillar type.

3. The method according to claim 1, wherein the determining a target block chain node based on account information and a pillar type in a payment application of a target account in case of receiving the payment application comprises:

wherein the target condition comprises any one of:

the pillar type in the payment application is a first pillar;

4. The method according to claim 1, wherein in a case that the target pillar type is a first pillar, the determining an abnormal condition of the payment data in the payment application based on a payment limiting rule under a preset target pillar type and a payment rule in the target block chain node comprises:

5. The method according to claim 1, wherein in a case that the target pillar type is a second pillar, the determining an abnormal condition of the payment data in the payment application based on a payment limiting rule under a preset target pillar type and a payment rule in the target block chain node comprises:

6. The method according to claim 1, wherein in a case that the target pillar type is a third pillar, the determining an abnormal condition of the payment data in the payment application based on a payment limiting rule under a preset target pillar type and a payment rule in the target block chain node comprises:

7. The utility model provides a management device that three pillars were collect fee, its characterized in that is applied to block chain platform, the device includes:

the storage module is used for chaining and storing the payment rules to the block chain platform under the condition that the payment rules of the target account under each strut type of the three-strut model for old people are received, wherein the payment rules under different strut types are stored in different block chain nodes of the block chain platform;

the system comprises a query module, a payment module and a payment module, wherein the query module is used for determining a target block chain node based on account information and a pillar type in a payment application under the condition of receiving the payment application of a target account, and the pillar type corresponding to a payment rule in the target block chain node is the same as the pillar type in the payment application;

the verification module is used for determining the abnormal condition of the payment data in the payment application based on a payment limiting rule under a preset target pillar type and a payment rule in a target block chain node, wherein the target pillar type is the same as the pillar type in the payment application;

and the management module is used for managing the payment application based on the abnormal condition of the payment data.

8. The apparatus of claim 7, wherein the blockchain platform stores payment restriction rules for each pillar type, and different restriction rule identifiers are set for the payment restriction rules of the blockchain platform corresponding to different pillar types, wherein the payment rules of the target pillar type include the restriction rule identifier corresponding to the payment restriction rules of the target pillar type.

9. An electronic device, comprising: a processor, a communication interface, a memory, and a communication bus; the processor, the communication interface and the memory complete mutual communication through a communication bus;

a memory for storing a computer program;

a processor for implementing the steps of the management method of three-leg payment according to any one of claims 1 to 6 when executing the program stored in the memory.

10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method for managing three-leg payments according to any one of claims 1 to 6.