CN111861685B - Payroll issuing method and device, computer equipment and readable storage medium - Google Patents
Payroll issuing method and device, computer equipment and readable storage mediumInfo
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- CN111861685B CN111861685B CN202010511979.4A CN202010511979A CN111861685B CN 111861685 B CN111861685 B CN 111861685B CN 202010511979 A CN202010511979 A CN 202010511979A CN 111861685 B CN111861685 B CN 111861685B
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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Abstract
The invention belongs to the technical field of data processing systems, in particular to a payroll method, a payroll device, a computer device and a readable storage medium, which are characterized in that an electronic payment account is established for a receiving user and a receiving and paying user, each user is formed into a receiving and paying chain, a directional payment instruction is arranged between adjacent nodes so that the amount of payment is transferred according to a designated direction until the amount of payment reaches the account of the last receiving user, after the money is received in the account of the user, the cash-out or transfer function is realized according to the request of the user, so that the funds can not be transferred in the cash-out chain until finally reaching the account of the user, the benefit of the user is ensured, and the funds are prevented from being intercepted in the middle link of the cash-out chain. Meanwhile, the whole transfer process is saved, so that the transfer process is conveniently supervised by a supervising user to ensure the benefit of a receiving user; meanwhile, the invention can also receive the supervision video and can increase the supervision mode.
Description
Technical Field
The embodiment of the invention relates to the technical field of data processing systems, in particular to a wage issuing method, a wage issuing device, computer equipment and a readable storage medium.
Background
The whole process of issuing wages for farmers cannot be effectively presented, and supervision of the process by a supervision party is inconvenient.
Disclosure of Invention
According to the defects of the prior art, the invention provides a wage issuing method and device, which not only can ensure that a directly superior packing head serving as a peasant worker decides the wage amount right according to the work delivery supervision of the peasant worker, but also can ensure that when a subcontractor or a master contractor at all levels pays wage, the wage can be directly issued to the hands of the peasant worker, and simultaneously can ensure that a supervision party supervises the whole money-dialing process.
The technical scheme adopted by the invention is as follows:
in one aspect, the present invention provides a payroll method for use in a first server, the method comprising the steps of:
s1, receiving account application information of a receiving user and a paying user, which are sent by a client, wherein the account application information of the receiving user and the account application information of the paying user are account application information of the receiving user and account application information of the paying user, which are acquired by the client;
S2, sending account application information of a receiving user and a paying user to a second server, wherein the account application information of the receiving user and the paying user is used for triggering the second server to open a receiving electronic payment account for the receiving user and open a paying electronic payment account for the paying user, and the second server binds the electronic payment account with bank card accounts of the receiving user and the paying user;
S3, receiving and storing the receivables and the receivables corresponding to the accounts of the receiving users and the receivables corresponding to the accounts of the receiving and paying users sent by the client, wherein the receivables and the receivables corresponding to the accounts of the receiving users and the receivables corresponding to the accounts of the receiving and paying users are receivables and receivables acquired by the client and the receivables corresponding to the accounts of the receiving and paying users;
s4, a receipt and payment chain is established according to the receipt and payment attribute and the receipt and payment payable attribute, each electronic payment account in the receipt and payment chain is a node, the receipt and payment amount of each node is calculated and stored in node information, the electronic payment account information of the node, the node information of the next node and the receipt and payment amount of the next node are included in each node information, and a directional payment instruction is arranged between each node and the next node;
S5, receiving a payment request sent by a client, wherein the payment request comprises node information of a node initiating the payment request and payment amount, and the payment request is a payment request acquired by the client;
S6, analyzing information of a next node of the payment request initiating node, dividing payment amount according to the number of the next node and receivable amount of each next node, and completing transfer between the nodes according to a directional payment instruction between the nodes and the next node;
S7, after the next node receives the transfer, analyzing information of the next node, and completing the transfer again until the node where the receiving user is located completes the transfer;
and S8, after receiving the transfer success information of the collection electronic payment account of the collection user, receiving a presentation request or a transfer request of the collection user sent by the client, and sending a presentation request or a transfer request to the second server, wherein the presentation request or the transfer request is used for triggering the second server to complete the presentation of the collection electronic payment account of the collection user or the transfer of the transfer receiving electronic payment account in the transfer request.
The transfer request comprises a transfer receiving electronic payment account, wherein the transfer receiving electronic payment account is an electronic payment account which is obtained from a client through the transfer of user real name information from a first server to a second server and is opened by the second server. The cash-out request enables the payee to transfer cash into a bank card of the payee that is bound to the payee's electronic payment account.
The specific process is the prior art, and only simple explanation is made here, namely, the cash register user can initiate a cash or transfer request to the first server through the client at any time, the first server sends the cash or transfer request to the second server, the second server gives the cash register user a verification request instruction of the cash or transfer request after receiving the request, and after the cash register user sends a cash or transfer confirmation instruction through the client and sequentially sends the cash or transfer instruction to the second server through the first server, the second server executes the cash or cash register after verification.
S9, recording and storing transfer process information of each step, wherein the transfer process information comprises transfer completion time and money between nodes, and a receiving and paying chain consisting of the nodes is involved in the transfer process;
s10, receiving an information viewing request of a transfer process sent by a client, wherein the information viewing request is an information viewing request acquired by the client;
and S11, transmitting the transfer process information to the client.
On the other hand, the invention also provides a wage issuing device,
The first receiving module is used for receiving account application information of a receiving user and a paying user, which are sent by a client, wherein the account application information of the receiving user and the account application information of the paying user are account application information of the receiving user and account application information of the paying user, which are acquired by the client;
a first sending module for sending the account application information of the receiving user and the paying user to the second service
The account application information of the receiving user and the paying user is used for triggering the second server to open the receiving electronic payment account for the receiving user, opening a receipt and payment electronic payment account for the receipt and payment user, and binding the electronic payment account with the bank card accounts of the receipt and payment user by the second server;
The second receiving module is used for receiving and storing the receivables and receivables corresponding to the accounts of the receiving users and the receivables corresponding to the accounts of the receiving and paying users sent by the client, wherein the receivables and receivables corresponding to the accounts of the receiving and paying users and the receivables corresponding to the accounts of the receiving and paying users are receivables and receivables acquired by the client and receivables corresponding to the accounts of the receiving and paying users;
The system comprises a receipt and payment chain establishing module, a receipt and payment processing module and a payment processing module, wherein the receipt and payment chain establishing module is used for establishing a receipt and payment chain according to the receipt and payment attribute and the receipt and payment attribute, each electronic payment account in the receipt and payment chain is used as a node, the receipt and payment amount of each node is calculated and stored in node information, the electronic payment account information of the node, the node information of the next node and the receipt and payment amount of the next node are included in each node information, and a directional payment instruction is arranged between each node and the next node;
the third receiving module is used for receiving a payment request sent by the client, wherein the payment request comprises node information for initiating the payment request and payment amount;
The analysis module is used for analyzing information of a next node of the payment request initiating node;
the dividing module is used for dividing the payment amount according to the number of the next nodes and the receivable amount of each next node;
The transfer module is used for completing transfer between the node and the next node according to the directional payment instruction between the node and the next node;
The first judging module is used for judging whether the next node finishes transferring accounts or not so as to analyze the information of the next node after finishing transferring accounts, and finishing transferring accounts again until the node where the receiving user is located finishes transferring accounts;
the system comprises a cash-out or transfer request processing module, a second server and a third server, wherein the cash-out or transfer request processing module is used for receiving a cash-out request or transfer request of a cash-out user sent by a client after receiving transfer success information of the cash-out electronic payment account of the cash-out user, and sending the cash-out request or transfer request to the second server, and the cash-out request or the transfer request is used for triggering the second server to finish the cash-out of the cash-out electronic payment account of the cash-out user or transfer of the transfer receiving electronic payment account in the transfer request.
The information recording module records that the transfer process of each step is transfer process information and stores the transfer process information, wherein the transfer process information comprises the completion time and the amount of transfer between nodes, and a receiving and paying chain consists of the nodes in the transfer process;
the checking request receiving module is used for receiving a transferring process information checking request sent by the client, wherein the information checking request is an information checking request acquired by the client;
and the second sending module is used for sending the transfer process information to the client.
In yet another aspect, the present invention also provides a computer device comprising a processor for implementing the payroll method as described above when executing a computer program stored in a memory.
In yet another aspect, the present invention also provides a computer readable storage medium storing a computer program which, when executed by a processor, implements the steps of the payroll method described above.
The invention has the following beneficial effects:
(1) According to the invention, the electronic payment accounts are established for the receiving users and the receiving and paying users, each user is used as a node to form a receiving and paying chain according to the node information, and a directional payment instruction is arranged between the adjacent nodes associated in the receiving and paying chain, so that the amount of payment is transferred according to the designated direction until the amount of money of the last receiving user is transferred, after the account of the receiving user arrives, the withdrawal or transfer is completed according to the request of the receiving user, the fact that funds are transferred in the receiving and paying chain and cannot be withdrawn until the funds finally arrive in the account of the receiving user is ensured, the receiving user can obtain the paid money, and the benefit of the receiving user is ensured.
(2) Meanwhile, the whole transfer process is stored, so that the process is conveniently supervised by a supervising user;
(3) Meanwhile, the invention can also receive the supervision video and can increase the supervision mode.
Drawings
FIG. 1 is a flow chart of payroll in accordance with an embodiment of the present invention;
fig. 2 is a diagram of a signal transmission frame between each client and each server according to an embodiment of the present invention.
Fig. 3 is an internal structural view of a computer device according to an embodiment of the present invention.
Detailed Description
The invention is further described below with reference to the accompanying drawings.
Embodiment one:
As shown in fig. 1 to 3, the implementation environment of the payroll method of the present invention includes a client, a first server, a second server and a third server.
The client may be a client running on an electronic device with digital processing capabilities and having electronic redemption functionality
The electronic device may be a cell phone, tablet, laptop portable computer, desktop computer, etc.
As shown in fig. 2, the electronic device with data processing capability (with a client thereon), the first server, the second server, and the third server may be connected to each other through a wireless network or a wired network. The first server and the second server may be one server, or a server cluster formed by a plurality of servers, or a cloud computing service center. The first server and the second server are used for providing electronic exchange service with the electronic equipment where the client is located in an interactive mode. The first server and the second server are typically set up by internet service providers, and the second server may also be used to provide electronic payment accounts, which may be third party payments, such as communication payments, payment treasures, banners, etc. three party payment companies with payment license plates.
The third server may be a server, or a server cluster formed by a plurality of servers, or a cloud computing service center. The third server is used to provide an account of physical resources, and is typically set up by a financial institution, such as a bank.
It should be noted first that, in the various embodiments of the present invention, the terms involved are:
The account application information is used for checking with the account information of the existing deposit account or the bank card account through a third server (namely a bank), and checking with the existing public basic information through a second server (which can be a third party payment such as a communication payment).
The user real name information comprises at least one of a name, an identity card number, an identity card photocopy and a bank card number.
The electronic payment account is an account used by the user to complete electronic redemption in the electronic redemption function provided by the client. Different users correspond to different electronic payment accounts. The electronic payment account may be a communication payment electronic account, a payment treasury electronic account or a Unionpay electronic account.
The method and apparatus of the present invention will be described in detail.
As shown in fig. 1-2, a payroll method includes the following steps:
The client acquires account application information of the receiving user and the paying user and sends the account application information to a first server, the first server opens a receiving electronic payment account for the receiving user and opens a receiving electronic payment account for the paying user, the second server sends the receiving electronic payment account and the account application information to a third server, the third server verifies the receiving electronic payment account, the bank card account and the account application information of the receiving user, after verification is successful, the second server carries out binding on the account of the receiving payment/the receiving user and the account application information of the receiving user, the receiving amount and the corresponding attribute of the receiving user are acquired and sent to the first server, the first server stores the account and establishes a receiving chain according to the receiving attribute and the corresponding attribute, each electronic payment account in the receiving chain is a node, the receiving amount of each node is calculated and sent to a node, the receiving amount of each node is requested to be sent to a next node, the receiving amount of payment is requested by the first server, the receiving amount of each node is requested to be sent to a next node, the receiving amount of payment is requested by the first node, the receiving amount of the payment is requested by the payment information from the node, the first server analyzes the information of the next node after judging that the next node receives the transfer, acquires the directional transfer instruction between the next node and sends the directional transfer instruction to the second server, and completes the transfer between the nodes until the node where the receiving user is located completes the transfer;
or the client acquires a payment request, wherein the payment request comprises an instruction packet which can simultaneously complete transfer among all nodes according to a receipt and payment chain.
After receiving the successful information of the electronic payment account of the user, the first server receives the request for presentation or the transfer request of the user sent by the client, and sends the request for presentation or the transfer request to the second server, and the second server completes the presentation of the electronic payment account of the user in the request for presentation or the transfer of the electronic payment account received by the transfer in the request for transfer.
By setting a specific payment direction for the payment request in the receiving and paying chain, the method ensures that the payment of the node where the payment request is located can directly reach the electronic payment account without interception of the middle link of the receiving and paying chain, thereby ensuring the benefit of the receiving user.
As shown in fig. 1, the first server is taken as an example, and includes the following steps:
s1, receiving account application information of a receiving user and a paying user, which are sent by a client, wherein the account application information of the receiving user and the account application information of the paying user are account application information of the receiving user and account application information of the paying user, which are acquired by the client, the account application information of the receiving user comprises a plurality of user real name information, the user real name information comprises at least one of a name, an identity card number, an identity card photocopy and a bank card number, and the account application information of the paying user comprises at least one of an enterprise name, a social unified credit code, a business license photocopy and public account information;
S2, account application information of a receiving user and a paying user is sent to a second server, the account application information of the receiving user and the paying user is used for triggering the second server to open a receiving electronic payment account for the receiving user, the receiving electronic payment account is opened for the paying user, in the process of opening the account, the second server verifies the account application information, and opens the receiving/paying electronic payment account, the receiving electronic payment account and the receiving electronic payment account are used for triggering the second server to send electronic payment account information and corresponding account application information to a third server, the third server checks the account application information corresponding to the receiving/paying electronic payment account with bank card information stored in the third server, and after the checking is correct, the third server sends a successful checking instruction to the second server, and the second server binds the electronic payment account with the bank card account of the receiving user or binds the receiving electronic payment account with a bank card of the receiving user;
S3, receiving and storing the receivables and the receivables corresponding to the accounts of the receiving users and the receivables corresponding to the accounts of the receiving and paying users sent by the client, wherein the receivables and the receivables corresponding to the accounts of the receiving users and the receivables corresponding to the accounts of the receiving and paying users are receivables and receivables acquired by the client and the receivables corresponding to the accounts of the receiving and paying users;
the payable attribute comprises at least one of a payable name and a payable name;
the receivable attribute comprises a receivable name, and the name is a name or an enterprise name.
S4, a receipt and payment chain is established according to the receipt and payment attribute and the receipt and payment payable attribute, each electronic payment account in the receipt and payment chain is a node, the receipt and payment amount of each node is calculated and stored in node information, the electronic payment account information of the node, the node information of the next node and the receipt and payment amount of the next node are included in each node information, and a directional payment instruction is arranged between each node and the next node;
S5, receiving a payment request sent by a client, wherein the payment request comprises node information of a node initiating the payment request and payment amount, and the payment request is a payment request acquired by the client;
S6, analyzing information of a next node of the payment request initiating node, dividing payment amount according to the number of the next node and receivable amount of each next node, and completing transfer between the nodes according to a directional payment instruction between the nodes and the next node;
S7, after the next node receives the transfer, analyzing information of the next node, and completing the transfer again until the node where the receiving user is located completes the transfer;
The two steps can also be that one payment instruction packet exists in the payment request, and the first server analyzes the payment instruction packet and completes the transfer among all nodes in the instruction packet. The instruction packet includes transfer instructions between nodes having receivable coping relationships with each other, and transfer amounts between the respective nodes.
And S8, after receiving the transfer success information of the collection electronic payment account of the collection user, receiving a presentation request or a transfer request of the collection user sent by the client, and sending a presentation request or a transfer request to the second server, wherein the presentation request or the transfer request is used for triggering the second server to complete the presentation of the collection electronic payment account of the collection user or the transfer of the transfer receiving electronic payment account in the transfer request.
The transfer request comprises a transfer receiving electronic payment account, wherein the transfer receiving electronic payment account is an electronic payment account which is obtained from a client through the transfer of user real name information from a first server to a second server and is opened by the second server. The cash-out request enables the payee to transfer cash into a bank card of the payee that is bound to the payee's electronic payment account.
The specific process is the prior art, and only simple explanation is made here, namely, the cash register user can initiate a cash or transfer request to the first server through the client at any time, the first server sends the cash or transfer request to the second server, the second server gives the cash register user a verification request instruction of the cash or transfer request after receiving the request, and after the cash register user sends a cash or transfer confirmation instruction through the client and sequentially sends the cash or transfer instruction to the second server through the first server, the second server executes the cash or cash register after verification.
S9, recording and storing transfer process information of each step, wherein the transfer process information comprises transfer completion time and money between nodes, and a receiving and paying chain consisting of the nodes is involved in the transfer process;
s10, receiving a transfer process information viewing request sent by the client, sending safety verification information to the client, and after the client passes the safety verification, sending the transfer process information to the client and presenting the transfer process information to a user. The means of security verification include a combination of numbers and/or letters or answering a preset question.
And S11, transmitting the transfer process information to the client.
Further, analyzing information of a next node of the payment request initiating node, and dividing payment amount according to the number of the next node and receivable amount of each next node, and specifically further including:
When the payment amount is less than the receivable amount of the node initiating the payment request, calculating the percentage a of the payment amount to the receivable amount of the node initiating the payment request, and calculating the percentage a of the receivable amount on all nodes between the node initiating the payment request and the node where the account of the receiving user is located in a receiving and paying chain;
and transferring accounts by the percentage a of the receivable amount of each node, after judging that all the nodes finish transferring accounts, updating the receivable amount of each node to be the percentage 1-a of the original receivable amount, and storing the updated receivable amount as a new receivable amount in node information of each node.
Further, the method of dividing according to the percentage a can be used for transferring accounts between the node from the payment request initiating node and the node above the node where the receiving user is located, when the node above the node where the receiving user is located corresponds to a plurality of receiving users, the node above the receiving user can sort the receiving users according to the priority of the receiving users associated with the node below the node above the receiving user, and further arrange the transferring order of the receiving users according to the sorting. The priority may be defined manually, such as the order in which the electronic payment accounts are established, etc.
Further, receiving a supervision video sent by a video supervision client, wherein the supervision video is acquired by the video supervision client;
storing the supervision video;
receiving a video viewing request sent by a client, wherein the video viewing request is a video viewing request acquired by the client;
and sending the stored supervision video to the client.
By setting a specific payment direction for the payment request in the receiving and paying chain, the method ensures that the payment of the node where the payment request is located can directly reach the electronic payment account without interception of the middle link of the receiving and paying chain, thereby ensuring the benefit of the receiving user. Meanwhile, the information of the transfer process in the whole process is also stored and displayed, so that the whole transfer process is supervised,
Further improving the assurance of the benefits of the payee user. In addition, the method also increases a supervision mode, namely, the method is connected with a supervision video, and the function of the method is perfected.
The application of the method in a specific scene is as follows.
The first server is a circular chain payment platform (hereinafter referred to as a platform), the second server is selected as a communication payment platform, the third server is a bank, the collection user is a farmer, and the collection user comprises a construction unit, various contractors and a packer. The method is described by taking the specific object as an example.
The specific process is as follows:
The construction unit and each level of contractors serve as payroll, at least one of enterprise name, social unified credit code, business license photographic plate and public account information (the information is real name information of the enterprise) is provided for the platform through the client, the platform transfers the real name information of the enterprise to the communication payment, the communication payment is checked with public basic information pre-stored in public security department after receiving the real name information of the enterprise, and after the check is successful, the communication payment establishes a receipt and payment electronic payment account for each user submitting the information, and meanwhile, the communication payment can be used for collection or payment;
On the other hand, farmers work as final payroll receiving parties, the head and the farmers also open the electronic payment account in the communication payment, the head and the farmers can respectively submit own user real name information through clients, the information of the farmers can also be provided in batches by the head, the user real name information comprises at least one of the name, the identification card number, the identification card photocopy and the bank card number of the head and/or the farmers, the platform submits the user real name information to the communication payment, the communication payment checks the user real name information with public basic information pre-stored in the public security part, the communication payment opens the electronic payment account for each user after the check is successful, and the farmers correspondingly collect the electronic payment account and the head corresponds to the payment electronic payment account.
The communication payment submits the received user real name information and the received electronic payment account to a bank corresponding to the bank card, submits the real name information and the received electronic payment account of the enterprise to the bank where the public account is located, verifies the information and the stored information in the bank, feeds back to the communication payment after the verification is successful, and binds the bank card account and the received/paid electronic payment account through the communication payment;
The head submits the wage form to the platform through the client and to the upper contractor in the platform, the submitted wage form information comprises the name of the farmer, the amount of the farmer wage, the month of wage and other basic information, and the total payroll (i.e. the amount to be paid) of each farmer wage, and the upper contractor can issue wages after receiving and confirming the wage form and also submit the wages to the upper contractor (i.e. continue to be appointed) until the constructor. Thereby forming a payroll chain. The farmer, the packaging worker, the contractor at all levels and the constructor are respectively a node, in the process of lifting (namely, designating) the payroll to the upper level at each node, the process of receiving the receivable amount, the receivable attribute, the receivable amount and the receivable attribute by the platform is realized, meanwhile, the platform establishes the connection among the nodes according to the attribute to further form a receiving and paying chain, and simultaneously, two adjacent nodes with the connection are endowed
Directional payment instructions between nodes such that transfers between two associated nodes with directional payment instructions are always directional.
In this process, since there may be a plurality of next-level nodes of some nodes, the amount to be received at the node with a plurality of next-level branches needs to be the sum of the amounts to be received of the next-level nodes, the platform calculates the amount to be received of each node sequentially from the node where the receiving user is located to the next-level node, and automatically generates the amount to be received and the amount to be payable of a certain-level node on the basis of the receipt and payment chain, the amount to be received is the amount to be paid by the previous-level node of the present-level node, and the amount to be payable is the specific case of the present-level node to the amount to be paid by the next-level node, including the total amount and the number of parts divided into a plurality of parts and the amount of money per part according to the number of the next-level nodes and the amount to be received.
The platform records and sends the receivable and payable amount conditions at each node to the client so as to be presented to the user, so that the user can conveniently see the receivable and payable amount conditions of the node where the user is located.
Each contractor or the constructor in the receiving and paying chain can initiate a payment request, the payment request comprises node information of a node initiating the payment request and payment amount, and the platform judges the payment amount to be compared with the payable amount stored in the platform at the node initiating the payment request according to the node initiating the payment request;
When the value is equal, the platform divides the amount of the payment request according to the number of next-level contractors of the contractors initiating the payment request and the receivable amount of each contractor in the next-level contractors, and divides the paid money into electronic payment accounts of the next-level contractors, and the platform records the transfer process;
At the next-level contractor, the platform divides the money according to the situation of the next-level contractor in the same manner, and then completes the transfer and records the transfer process;
Ending until the money transferred is received in the electronic payment account. The process may be such that the platform calculates the funds allocation during the transfer of each node and then requests payment as a package of instructions for controlling the transfer between all nodes.
After the platform receives the transfer success information of the electronic payment account of the user, the peasant initiates a cash withdrawal request or a transfer request to the platform through the client, the platform sends the cash withdrawal request or the transfer request to the communication payment, and the communication payment finishes transferring cash to a bank card of the peasant or to the electronic payment account of the peasant through the transfer provided by the client according to the cash withdrawal request or the transfer request.
The transfer receiving electronic payment account should also be an electronic payment account opened for a communication payment by the platform.
The specific process is the prior art, and only simple explanation is made here, namely the platform sends the presentation or transfer request to the communication payment, the communication payment receives the presentation or transfer request and then sends a short message verification to the mobile phone of the farmer so as to confirm the transfer or presentation operation, the farmer inputs the short message verification into the platform (namely the transfer or presentation operation is confirmed), the platform sends the received short message verification input (namely the information of the confirmation instruction) to the communication payment, and the presentation or transfer is executed after the communication payment passes the verification. The cash is credited into a bank card account of the farmer, and the money is credited into the bank card account according to the account receiving electronic payment account provided by the operation of the farmer.
The platform records all transfer processes and the transfer condition of the whole receipt and payment chain.
When the fund amount provided by the payment request is smaller than the receivable amount of the node where a certain level of contractor initiating the payment request is located, calculating the percentage a of the payment amount to the payable amount of the contractor initiating the payment request, and calculating the percentage a of the receivable amount on all nodes between the node (contractor) initiating the payment request and a collection electronic payment account of farmers in a receiving and paying chain;
And transferring accounts by the percentage a of the accounts receivable of each contractor, after the platform judges that all the nodes finish transferring accounts, updating the accounts receivable of each contractor to the percentage 1-a of the original accounts receivable, storing the updated accounts receivable as new accounts receivable in the information of each node, and sending the new accounts receivable to the client so as to be presented to the constructors and contractors at all levels.
Each receiving and paying user (namely, each contractor or each architect) can initiate a payment request for paying the peasant wages, and the payment in the initiated payment request can directly reach the receiving electronic payment account along the receiving and paying chain, so that the payment is not intercepted by any node in the middle, and the smooth distribution of the peasant wages is ensured.
When the fund amount provided by the payment request is smaller than the receivable amount of the node where a certain level of contractor initiating the payment request is located, the calculation method can also be adopted, namely, calculating the percentage a of the payment amount to the payable amount of the contractor initiating the payment request, and calculating the percentage a of the receivable amount on all nodes between the node (contractor) initiating the payment request and a receiving and paying electronic payment account of a packer in a receiving and paying chain;
The method comprises the steps that account transfer is conducted according to the percentage a of the receivable amount of each contractor, after account transfer is conducted to a contractor, the receivable amount of all nodes (except nodes where farmers are located) is updated to be 1-a, the receivable electronic payment accounts of the contractor correspond to the plurality of farmers under the receiving and paying electronic payment accounts, and at the moment, the contractor can pay the farmers according to rules (the rules can be priority set according to good work conditions obtained by a supervisor) appointed by the receiving electronic payment accounts of the farmers under the contractor. The electronic payment account for the payment of the farmer is marked as completed or rejected from the payment chain. The marked or rejected payee electronic payment account will not participate in subsequent transfer activities.
The supervision department is used as a supervision party for peasant wages and issuers, and the platform is used for supervising the whole issuing process.
When the supervision department initiates a transfer process information checking request of a payroll to the platform through the client, the platform sends a safety verification to the client, the safety verification is used for reconfirming that the client checks, other people cannot easily check the information, the verification mode can be a password, such as numbers, letters or a mixture of the numbers and the letters, or a secret protection problem of the pre-existing platform, and after the verification is passed, the platform sends the transfer process information to the client to be displayed to a supervision user.
The platform can receive the supervision video sent by the video supervision client, the platform and the supervision video client can be connected in a wired or wireless mode, the worker head can check the supervision video, the worker head calculates the peasant work and wages each month, and the worker head is an organizer and a manager of specific people, distributes tasks and checks management. In the checking process, the supervision video can be combined to determine the wage amount of the farmer, and the supervision of the wrapping heads can lead the farmer to live, so that the best master the work condition of the farmer, and the wrapping heads of the general construction site can judge the wage amount of the farmer according to the live work condition of the farmer. The packer can monitor the dry and alive conditions of each farmer by looking at the monitoring video and determine the wages of the farmers. In this way, the payroll decision of the wrapping head is preserved.
The invention also provides a wage issuing device, which comprises:
The first receiving module is used for receiving account application information of a receiving user and a paying user, which are sent by a client, wherein the account application information of the receiving user and the account application information of the paying user are account application information of the receiving user and account application information of the paying user, which are acquired by the client;
The account application information of the receiving and paying user comprises a plurality of user real name information, wherein the user real name information comprises at least one of a name, an identity card number, an identity card photocopy and a bank card number, and the account application information of the receiving and paying user comprises at least one of an enterprise name, a social unified credit code, a business license photocopy, public account information, a name, an identity card number, an identity card photocopy and a bank card number.
The first sending module is used for sending account application information of a receiving user and a receiving and paying user to the second server, the account application information of the receiving user and the paying user is used for triggering the second server to open a receiving electronic payment account for the receiving user and open a receiving and paying electronic payment account for the receiving and paying user, the account application information is used for triggering the second server to send the account application information to the third server, the third server checks the account information with bank card information pre-stored in the third server, and after the check is correct, a check success instruction is sent to the second server, and the second server binds the electronic payment account with the bank card accounts of the receiving user and the paying user;
The second receiving module is used for receiving and storing the receivables and receivables corresponding to the accounts of the receiving users and the receivables corresponding to the accounts of the receiving and paying users sent by the client, wherein the receivables and receivables corresponding to the accounts of the receiving and paying users and the receivables corresponding to the accounts of the receiving and paying users are receivables and receivables acquired by the client and receivables corresponding to the accounts of the receiving and paying users;
The payment chain establishment module is used for establishing a payment chain according to the payment attribute and the payment payable attribute, wherein each electronic payment account in the payment chain is a node, the payment payable amount of each node is calculated and stored in node information, the node information of the node, the node information of the next node and the payment payable amount are included in each node information, an instruction for directional payment is arranged between each node and the next node, the payment payable amount comprises at least one of the payment payable amount and the payment payable amount, the payment payable attribute comprises at least one of a payment payable name and a payment payable name, and the payment payable attribute comprises:
the name of the recipient.
The third receiving module is used for receiving a payment request sent by the client, wherein the payment request comprises node information for initiating the payment request and payment amount;
The analysis module is used for analyzing information of a next node of the payment request initiating node;
the dividing module is used for dividing the payment amount according to the number of the next nodes and the receivable amount of each next node;
The transfer module is used for completing transfer between the node and the next node according to the directional payment instruction between the node and the next node;
The first judging module is used for judging whether the next node finishes transferring accounts or not so as to analyze the information of the next node after finishing transferring accounts, and finishing transferring accounts again until the node where the receiving user is located finishes transferring accounts;
The system comprises a cash-out or transfer request processing module, a second server and a third server, wherein the cash-out or transfer request processing module is used for receiving a cash-out request or transfer request of a cash-out user sent by a client after receiving transfer success information of the cash-out electronic payment account of the cash-out user, and sending the cash-out request or transfer request to the second server, and the cash-out request or the transfer request is used for triggering the second server to finish the cash-out of the cash-out electronic payment account of the cash-out user or transfer of the transfer receiving electronic payment account in the transfer request. The transfer request comprises a transfer receiving electronic payment account, wherein the transfer receiving electronic payment account is an electronic payment account which is obtained from a client through the transfer of user real name information from a first server to a second server and is opened by the second server.
The information recording module records that the transfer process of each step is transfer process information and stores the transfer process information, wherein the transfer process information comprises the completion time and the amount of transfer between nodes, and a receiving and paying chain consists of the nodes in the transfer process;
the checking request receiving module is used for receiving a transferring process information checking request sent by the client, wherein the information checking request is an information checking request acquired by the client;
and the second sending module is used for sending the transfer process information to the client.
The second judging module is used for judging that when the payment amount is smaller than the receivable amount of the node initiating the payment request, calculating the percentage a of the payment amount to the receivable amount of the node initiating the payment request, and calculating the percentage a of the receivable amount on all nodes between the node initiating the payment request and the node where the account of the receiving user is located in the receiving and paying chain;
and transferring accounts by the percentage a of the receivable amount of each node, after judging that all the nodes finish transferring accounts, updating the receivable amount of each node to be the percentage 1-a of the original receivable amount, and storing the updated receivable amount as a new receivable amount in node information of each node.
The video receiving module is used for receiving the supervision video sent by the video supervision client, wherein the supervision video is acquired by the video supervision client;
the video storage module is used for storing the supervision video;
The video viewing request receiving module is used for receiving a video viewing request sent by a client, wherein the video viewing request is a video viewing request acquired by the client;
and the video sending module is used for sending the stored supervision video to the client.
The above modules are used in a platform, and each module may be implemented in whole or in part by software, hardware, or a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
The present invention also provides a computer device, which may be a server, and an internal structure diagram thereof may be as shown in fig. 3. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus.
Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used for storing data such as the payable amount, the payable attribute, the payable amount, the payable attribute and the like of each user.
The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements a payroll method.
It will be appreciated by those skilled in the art that the structure shown in FIG. 3 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
In one embodiment, a computer device is provided comprising a memory and a processor, the memory having stored therein a computer program, the processor when executing the computer program performing the steps of:
receiving account application information of a receiving user and a paying user, which are sent by a client, wherein the account application information of the receiving user and the account application information of the paying user are account application information of the receiving user and account application information of the paying user, which are acquired by the client;
The method comprises the steps that account application information of a receiving user and a paying user is sent to a second server, the account application information of the receiving user and the paying user is used for triggering the second server to open a receiving electronic payment account for the receiving user, and open a paying electronic payment account for the paying user, and the second server binds the electronic payment account with bank card accounts of the receiving user and the paying user;
Receiving and storing the corresponding amount and attribute of receipt and corresponding payment corresponding to the account of the payment receiving user and the corresponding attribute of receipt and corresponding payment corresponding to the account of the payment receiving user, wherein the corresponding amount and attribute of receipt and corresponding payment corresponding to the account of the payment receiving user are the corresponding amount and attribute of receipt and corresponding payment obtained by the client and the corresponding attribute of receipt and corresponding payment corresponding to the account of the payment receiving user;
A receipt and payment chain is established according to the receipt and payment payable attributes, each electronic payment account in the receipt and payment chain is a node, the receipt and payment amount of each node is calculated and stored in node information, the electronic payment account information of the node, the node information of the next node and the receipt and payment amount of the next node are included in each node information, and a directional payment instruction is arranged between each node and the next node;
Receiving a payment request sent by a client, wherein the payment request comprises node information of a node initiating the payment request and payment amount, and the payment request is a payment request acquired by the client;
Analyzing information of a next node of a payment request initiating node, dividing payment amount according to the number of the next node and receivable amount of each next node, and completing transfer between the nodes according to a directional payment instruction between the nodes and the next node;
after judging that the next node receives the transfer, analyzing information of the next node, and completing the transfer again until the node where the receiving user is located completes the transfer;
After receiving the transfer success information of the collection electronic payment account of the collection user, receiving a presentation request or a transfer request of the collection user sent by the client, and sending the presentation request or the transfer request to the second server, wherein the presentation request or the transfer request is used for triggering the second server to complete the presentation of the collection electronic payment account of the collection user or the transfer of the transfer receiving electronic payment account in the transfer request.
The transfer request comprises a transfer receiving electronic payment account, wherein the transfer receiving electronic payment account is an electronic payment account which is obtained from a client through the transfer of user real name information from a first server to a second server and is opened by the second server. The cash-out request enables the payee to transfer cash into a bank card of the payee that is bound to the payee's electronic payment account.
The specific process is the prior art, and only simple explanation is made here, namely, the cash register user can initiate a cash or transfer request to the first server through the client at any time, the first server sends the cash or transfer request to the second server, the second server gives the cash register user a verification request instruction of the cash or transfer request after receiving the request, and after the cash register user sends a cash or transfer confirmation instruction through the client and sequentially sends the cash or transfer instruction to the second server through the first server, the second server executes the cash or cash register after verification.
Recording and storing transfer process information of each step, wherein the transfer process information comprises the completion time and the amount of transfer between nodes, and a receiving and paying chain consisting of the nodes is involved in the transfer process;
Receiving an information viewing request of a transfer process sent by a client, wherein the information viewing request is an information viewing request acquired by the client;
And sending the transfer process information to the client.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include
Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (SYNCHLINK) DRAM (SLDRAM), memory bus (RambuS) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The foregoing description of the embodiments of the present invention should not be taken as limiting the scope of the invention, and all equivalent structures or equivalent processes using the descriptions of the present invention and the accompanying drawings, or direct or indirect application in other related technical fields, are included in the scope of the present invention.
Claims (5)
1. A payroll issuing method is characterized by comprising the steps of S1, receiving account application information of a receiving user and a paying user, which are sent by a client, wherein the account application information of the receiving user and the account application information of the paying user are obtained by the client, and S2, sending the account application information of the receiving user and the account application information of the paying user to a second server, the account application information of the receiving user and the account application information of the paying user are used for triggering the second server to open a receiving electronic payment account for the receiving user, open the receiving electronic payment account for the paying user, and the second server sends the receiving electronic payment account to the paying user, The method comprises the steps that a payment receiving electronic payment account and account application information corresponding to the payment receiving electronic payment account are sent to a third server, the payment receiving electronic payment account and the account application information corresponding to the payment receiving electronic payment account are used for triggering the third server to check the application account information with information prestored in the third server, after the check is successful, the third server sends a check success instruction to a second server, and the second server binds the payment receiving electronic payment account with a bank card account of a payment receiving user and binds the payment receiving electronic payment account with the bank card account of the payment receiving user; S3, receiving the receivable amount and the receivable attribute corresponding to the account of the receiving user, which are sent by the client, S4, establishing a receipt and payment chain according to the receipt and payment attribute and the receipt and payment attribute, wherein each electronic payment account in the receipt and payment chain is a node, the receipt and payment amount of each node is calculated and stored in node information, and each node information comprises the electronic payment account information of the node, Node information and amount to be received of the next node, and a directional payment instruction is arranged between each node and the next node; S5, receiving a payment request sent by a client, wherein the payment request comprises node information of a node initiating the payment request and payment amount, and the payment request is a payment request acquired by the client; S6, analyzing information of a next node of the payment request initiating node, dividing payment amount according to the number of the next node and receivable amount of each next node, and completing transfer between the nodes according to a directional payment instruction between the nodes and the next node; S7, after the next node receives the transfer, analyzing information of the next node, completing the transfer again until the node where the receiving user is located completes the transfer, S8, after receiving transfer success information of a receiving electronic payment account of the receiving user, receiving a cash-making request or a transfer request of the receiving user sent by a client, sending the cash-making request or the transfer request to a second server, wherein the cash-making request or the transfer request is used for triggering the second server to complete the cash-making of the receiving electronic payment account of the receiving user or the transfer of the transfer receiving electronic payment account in the transfer request;
In step S1, the account application information of the receiving and paying user includes a plurality of user real name information, the user real name information includes at least one of a name, an identification card number, an identification card copy and a bank card number, and the account application information of the receiving and paying user includes at least one of a business name, a social unification credit code, a business license copy, a public account information, a name, an identification card number, an identification card copy and a bank card number;
In step S2, after the second server opens the electronic payment account for the user and opens the electronic payment account for the user, before the second server binds the electronic payment account with the bank card account, the method further comprises the steps that the account application information is used for triggering the second server to send the account application information to the third server, the third server checks the account information with the bank card information pre-stored in the third server, and after the checking is correct, a check success instruction is sent to the second server;
In step S3, the receivable payable amount comprises at least one of a receivable amount and a payable amount, and the receivable payable attribute comprises at least one of a receivable name and a payable name;
the method comprises the steps of receiving a supervision video sent by a video supervision client, wherein the supervision video is acquired by the video supervision client, storing the supervision video, receiving a video viewing request sent by the client, wherein the video viewing request is acquired by the client, and sending the stored supervision video to the client.
2. The payroll method of claim 1 wherein the information of the next node of the payment request initiating node is analyzed and the payment amount is divided according to the number of the next node and the receivable amount of each next node, and further comprising the steps of determining that when the payment amount is smaller than the receivable amount of the node initiating the payment request, calculating a percentage a of the payment amount to the receivable amount of the node initiating the payment request and a percentage a of the receivable amount on all nodes in the receiving chain from the node initiating the payment request to the node where the receiving user account is located, transferring money by the percentage a of the receivable amount of each node, updating the receivable amount of each node to the percentage 1-a of the original receivable amount after the completion of the transfer by the determination of all nodes, and storing the receivable amount of each node as a new receivable amount in the node information of each node.
3. A payroll apparatus for use in a payroll method as claimed in claim 1, wherein the apparatus comprises a first receiving module for receiving account application information of a payroll user and a payroll user transmitted from a client, the account application information of the payroll user and the account application information of the payroll user being obtained from the client, and a first transmitting module for transmitting the account application information of the payroll user and the account application information of the payroll user to a second server, the account application information of the payroll user and the account application information of the payroll user being used for triggering the second server to open a payroll electronic payment account for the payroll user, the second server opening the payroll electronic payment account for the payroll user, the second server transmitting the payroll electronic payment account, The method comprises the steps that a payment receiving electronic payment account and account application information corresponding to the payment receiving electronic payment account are sent to a third server, the payment receiving electronic payment account and the account application information corresponding to the payment receiving electronic payment account are used for triggering the third server to check the application account information with information prestored in the third server, after the check is successful, the third server sends a check success instruction to a second server, and the second server binds the payment receiving electronic payment account with a bank card account of a payment receiving user and binds the payment receiving electronic payment account with the bank card account of the payment receiving user; a second receiving module for receiving the receivable amount and the receivable attribute corresponding to the account of the user, which are sent by the client, The system comprises a receipt and payment user account, a receipt and payment chain establishing module, a receipt and payment chain, a payment and payment processing module and a payment and payment processing module, wherein the receipt and payment attribute corresponding to the receipt and payment user account, the receipt and payment attribute corresponding to the receipt and payment account, the receipt and payment account corresponding to the receipt and payment user account is acquired by a client, the receipt and payment attribute corresponding to the receipt and payment user account, the receipt and payment chain establishing module is used for establishing a receipt and payment chain according to the receipt and payment attribute and the receipt and payment attribute corresponding to the receipt and payment user account, each electronic payment account in the receipt and payment chain is a node, the receipt and payment amount of each node is calculated and stored in node information, and each node information comprises the electronic payment account information of the node, Node information and amount to be received of the next node, and a directional payment instruction is arranged between each node and the next node; the system comprises a third receiving module for receiving a payment request sent by a client, wherein the payment request comprises node information for initiating the payment request and payment amount, an analysis module for analyzing information of a next node of the payment request initiating node, a dividing module for dividing the payment amount according to the number of the next node and the receivable amount of each next node, a transfer module for completing transfer between the nodes according to a directional payment instruction between the nodes and the next node, a first judging module for judging whether the next node completes transfer so as to analyze information of the next node after completing transfer and completing transfer again until the node where a receiving user is located is completed, a cash-making or transfer request processing module for receiving a cash-making request or a cash-making request sent by the receiving client to a second server after receiving transfer success information of the receiving user's electronic payment account, a cash-making request or a cash-making request used for triggering the second server to complete cash-making or receiving electronic payment of the receiving account of the receiving user, a first judging module for judging whether the next node completes transfer between the nodes is completed and completing transfer by the transfer request, a transfer process between the transfer receiving module and a receiving information in a transfer process, wherein each receiving module is used for completing transfer request in a transfer process, the second sending module is used for sending the transfer process information to the client.
4. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of claim 1 when executing the computer program.
5. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of claim 1.
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| CN108229959A (en) * | 2017-12-29 | 2018-06-29 | 青岛环链收付网络科技有限公司 | Specified for receivables and payables flows to chain type method of payment and system |
| CN109993517A (en) * | 2017-12-29 | 2019-07-09 | 青岛有容发展有限公司 | Instant chain type method of payment, computer equipment and storage medium |
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