Implementation method and device of annuity individual tax calculation system, equipment, medium and product

Abstract

The invention discloses an implementation method and device of an annuity individual tax calculation system, equipment, a medium and a product, and relates to the technical field of financial systems.The method comprises the steps that an external request is received through an interface layer, and the external request is analyzed to obtain input parameters; external rules are received through the interface layer, the external rules are mapped into internal rules through the rule mapping relation in the rule engine, and the internal rules comprise a plurality of preset rule fields; dividing an annuity account total item in the input parameters into a plurality of sub-items through a rule engine, and determining a fund sub-item tree according to the plurality of sub-items; the tax identification of the fund subitem tree is updated through a rule engine according to an internal rule, a tree-shaped tax rule is obtained, and the tax identification is used for representing whether tax calculation is needed or not; and calculating a total individual tax result through a calculation engine according to the input parameters and the tree tax rule, and outputting the total individual tax result. According to the invention, the later maintenance cost of the annuity individual tax calculation system is reduced.

Description

Technical Field

[0001] The present application relates to the technical field of financial systems, and in particular to implementation methods, devices, equipment, media, and products for an annuity individual tax calculation system. Background Art

[0002] As a crucial component of my country's multi-tiered pension insurance system, enterprise annuities have undergone a long process of development, from pilot programs to standardized rollout. However, the individual tax calculation rules for enterprise annuity benefits are complex, dynamically adjusted, and must adapt to potential future policy changes. Existing systems for calculating individual tax on annuity benefits are typically embedded within business systems and tightly coupled with business logic, such as the annuity benefit payment module. This presents several challenges: As tax policies for annuity benefits are adjusted and refined, the corresponding individual tax calculation logic requires revalidation and redevelopment. Furthermore, individual tax calculations require distinguishing between annuity payment amounts before and after adjustments to determine taxability, increasing the complexity of individual tax calculations. Furthermore, the calculator's functionality is often constrained by the design and architecture of the business system, making it difficult to quickly adapt the calculation logic to meet specific needs and changes in the individual tax calculation rules. Consequently, changes to the individual tax calculation rules often require additional development and testing resources. Consequently, existing individual tax calculation systems cannot adapt to external changes, resulting in high ongoing maintenance costs. Summary of the Invention

[0003] The main purpose of this application is to provide an implementation method, device, equipment, medium and product of an annuity individual tax calculation system, aiming to reduce the subsequent maintenance cost of the annuity individual tax calculation system.

[0004] To achieve the above objectives, this application proposes a method for implementing an annuity individual tax calculation system, which is applied to the annuity individual tax calculation system. The annuity individual tax calculation system includes an interface layer, a rule engine, and a calculation engine. The implementation of the annuity individual tax calculation system includes:

[0005] Receive external requests through the interface layer and parse the external requests to obtain input parameters;

[0006] Receiving external rules through the interface layer, and mapping the external rules into internal rules through the rule mapping relationship in the rule engine, wherein the internal rules include a plurality of preset rule fields;

[0007] The rule engine divides the total annuity account item in the input parameter into multiple sub-items, and determines the fund sub-item tree based on the multiple sub-items;

[0008] The rule engine updates the tax identification of the fund item tree according to internal rules to obtain a tree-shaped tax rule. The tax identification is used to indicate whether tax calculation is required.

[0009] The calculation engine calculates the total individual tax result based on the input parameters and the tree-structured tax rules, and outputs the total individual tax result.

[0010] In one embodiment, the steps of updating the tax identification of the fund item tree according to the internal rules to obtain the tree-shaped tax rules include:

[0011] For each item tree node in all nodes of the fund item tree, match all rule fields in the internal rule with the item tree node;

[0012] If there is only one rule field that successfully matches the item tree node, the tax identification of the item tree node is updated according to the tax identification in the successfully matched rule field;

[0013] If there are multiple rule fields that successfully match the item tree node, the rule field with the highest priority is determined from the multiple successfully matched rule fields according to the preset priority, and the tax nature identifier of the item tree node is updated based on the tax nature identifier of the rule field with the highest priority;

[0014] Determine the tax rules based on all updated item tree nodes.

[0015] In one embodiment, the calculation engine includes a core calculation engine and a result assembly layer. The steps of calculating the total individual tax result according to the input parameters and the tree-structured tax rules by the calculation engine include:

[0016] In the core calculation engine, step-by-step calculations are performed based on input parameters and tree-structured tax rules to obtain multiple individual tax results;

[0017] Multiple individual tax results are integrated into the total individual tax result through the result assembly layer.

[0018] In one embodiment, individual tax results include payment amounts, consolidated tax calculation data, corporate compensation payable, taxable income, taxable income, post-tax payment amounts and taxes, post-tax payment amounts and taxes, and apportionment details. The step of performing step-by-step calculations based on input parameters and a tree-structured tax rule to obtain multiple individual tax results also includes:

[0019] Calculate the payment amount based on the collection mode in the input parameters;

[0020] Calculate consolidated tax data based on the consolidated tax configuration of the tax rule tree and the allocation month of the input parameters;

[0021] Calculate the compensation payable by the enterprise based on the consolidated tax data;

[0022] Calculate taxable income and taxed income based on the tax tree rules and the company's payable compensation;

[0023] Allocate the taxable income to each month in the apportionment period and calculate the after-tax payment and tax for each month based on the preset tax brackets;

[0024] Calculate tax exemptions based on preset personal tax exemption information and the used exemptions in the apportionment month, and calculate the payment amount after exemption and tax after exemption based on the tax exemption;

[0025] Generate detailed records of taxable income, taxes, tax exemptions and tax allocation after exemptions for each month.

[0026] In one embodiment, after the step of receiving external rules, the method further includes:

[0027] Check external rules for conflicting rules;

[0028] If there are conflicting rules, the conflicting rules with higher priority will override the conflicting rules with lower priority according to the preset priority.

[0029] In one embodiment, after the step of receiving external rules, the method further includes:

[0030] Generate a cache identifier based on external rules and query whether there is a cache rule matching the cache identifier in the preset cache records;

[0031] If a cache rule exists, compare the external rule's receive time with the cache expiration time of the cache rule;

[0032] If the receiving time is less than or equal to the cache expiration time, the tree-shaped tax rule in the cache rule is read;

[0033] If there is no cache rule or the receiving time is greater than the cache expiration time, the step of mapping the external rule to the internal rule through the rule mapping relationship in the rule engine is executed.

[0034] In addition, to achieve the above-mentioned purpose, the present application also proposes an implementation device of an annuity individual tax calculation system, which includes:

[0035] The interface layer is used to receive external requests and external rules, and parse external requests to obtain input parameters;

[0036] The rule engine is used to map external rules into internal rules through the rule mapping relationship in the rule engine. It divides the total annuity account item in the input parameter into multiple sub-items, determines a fund sub-item tree based on the multiple sub-items, and updates the tax nature identifier of the fund sub-item tree according to the internal rules to obtain a tree-shaped tax nature rule. The tax nature identifier is used to indicate whether tax calculation is required.

[0037] The calculation engine is used to determine the total individual tax result based on the input parameters and the tree-structured tax rules, and output the total individual tax result.

[0038] In addition, to achieve the above-mentioned purpose, the present application also proposes an implementation device of an annuity individual income tax calculation system, the device including: a memory, a processor, and a computer program stored in the memory and executable on the processor, the computer program being configured to implement the steps of the implementation method of the annuity individual income tax calculation system as described above.

[0039] In addition, to achieve the above-mentioned purpose, the present application also proposes a medium, which is a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the implementation method of the annuity individual tax calculation system as described above are implemented.

[0040] In addition, to achieve the above-mentioned purpose, the present application also provides a product, which is a computer program product. The computer program product includes a computer program. When the computer program is executed by a processor, it implements the steps of the implementation method of the annuity individual tax calculation system as described above.

[0041] One or more technical solutions proposed in this application have at least the following technical effects:

[0042] This application receives external requests through the interface layer, parses the external requests to obtain input parameters, and separates the annuity individual tax calculation business from other businesses by requesting input parameters. If new parameters are needed in the future, only the interface layer field definition needs to be expanded to reduce repeated development costs; receives external rules, maps external rules to internal rules through the rule mapping relationship in the rule engine, and realizes the mapping of external rules to internal rules through the rule engine. The internal rules can quickly respond to the adjustment of external rules; divides the total annuity account item in the input parameter into multiple sub-items through the rule engine, and determines the fund sub-item tree based on the multiple sub-items; determines the fund sub-item tree based on the internal The rules update the tax identification of the fund sub-item tree to obtain a tree-shaped tax rule, wherein the tax identification is used to indicate whether tax calculation is required. The fund sub-item tree is updated through internal rules, so that the fund sub-item tree can also change with changes in external rules; finally, the total individual tax result is determined in the calculation engine according to the input parameters and the tree-shaped tax rule, and the total individual tax result is output. The total individual tax result changes according to changes in external rules. Therefore, this application only calculates the individual tax result flexibly by inputting external rules, which not only improves the flexibility of the implementation of the annuity individual tax calculation system, but also reduces the subsequent maintenance cost of the annuity individual tax calculation system. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0044] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0045] Figure 1 This is a flowchart of the first embodiment of the method for implementing the annuity individual tax calculation system;

[0046] Figure 2 This is a diagram of the data structure of the fund item tree of the annuity individual tax calculation system for this application;

[0047] Figure 3 This is a structural diagram of the first embodiment of the method for implementing the annuity individual tax calculation system;

[0048] Figure 4 This is a data interaction diagram of the first embodiment of the method for implementing the annuity individual tax calculation system;

[0049] Figure 5 This is a schematic diagram of the module structure of an implementation device of the annuity individual tax calculation system according to an embodiment of the present application;

[0050] Figure 6 This is a schematic diagram of the device structure of the hardware operating environment involved in the implementation method of the annuity personal income tax calculation system in the embodiment of the present application.

[0051] The purpose, features and advantages of this application will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0052] It should be understood that the specific embodiments described herein are merely used to explain the technical solutions of the present application and are not intended to limit the present application.

[0053] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0054] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication, and program execution functions, such as a tablet computer, personal computer, mobile phone, etc., or an electronic device or terminal system capable of implementing the above functions. The following uses the system as an example to illustrate this embodiment and the following embodiments.

[0055] Based on this, this embodiment provides a method for implementing an annuity individual tax calculation system, referring to Figure 1 , Figure 1 This is a flowchart of the implementation method of the annuity personal income tax calculation system for this application.

[0056] The implementation method of the annuity individual tax calculation system is applied to the annuity individual tax calculation system, which includes an interface layer, a rule engine and a calculation engine.

[0057] It's important to note that the interface layer is the part of the annuity individual tax calculation system that receives external requests and external rules and parses them to obtain input parameters. The rule engine is responsible for converting external rules into internal rules through rule mappings and updating the tax identification of the fund item tree based on these internal rules, which contain multiple preset rule fields. The calculation engine, located within the annuity individual tax calculation system, primarily calculates and outputs the total individual tax result based on the input parameters and the tree-based tax rules.

[0058] The implementation method of the annuity individual tax calculation system includes steps S10 to S50:

[0059] Step S10: receiving an external request through the interface layer, and parsing the external request to obtain input parameters.

[0060] It should be noted that external requests are requests initiated by clients from a third-party platform that deploys the annuity individual tax calculation system. The input parameters received are obtained by the interface layer after parsing the external request. They are the basic data related to annuity individual tax calculation and are used in the subsequent calculation process. The input parameters are data parsed by the interface layer from the external request and contain all the information required for individual tax calculation.

[0061] The interface layer receives HTTP (Hypertext Transfer Protocol) requests from users or other systems, which carry the information required to calculate individual taxes. The interface layer parses these requests, extracts input parameters, and performs data structure and business validation on them to ensure the accuracy and completeness of the input parameters.

[0062] Step S20: receiving external rules through the interface layer, and mapping the external rules into internal rules through the rule mapping relationship in the rule engine, wherein the internal rules include a plurality of preset rule fields.

[0063] It's important to note that the data received from external rules, used to determine the annuity individual income tax calculation rules, is converted into internal rules by the rule engine. Internal rules are generated by the rule engine based on rule mapping relationships. They contain multiple preset rule fields and serve as a key basis for individual income tax calculation. Rule mapping relationships are pre-set in the rule engine and serve as a correspondence between external rules and internal rules. Rule fields constitute the basic unit of internal rules, and multiple rule fields together constitute an internal rule.

[0064] The interface layer also receives external rules, which may have different data formats. The rule engine has pre-configured rule mappings that convert external rules into internal rules. Internal rules contain multiple pre-set rule fields, which are subsequently used to determine the tax identification of fund sub-items.

[0065] For example, in an individual income tax calculation scenario, the external rules may include by default whether it is a whitelist of non-taxable items, non-taxable conditions, whether tax is calculated if there are no new payments after 2014, and other rules. These rules can be changed later based on actual conditions.

[0066] Internal rules can contain fixed fields by default to guide the tax nature judgment of fund items, specifically: whether all are non-taxable; whether the taxed principal at the end of 2013 is taxable, whether the untaxed principal at the end of 2013 is taxable, whether the taxed principal from 2014 is taxable, whether the untaxed principal from 2014 is taxable, whether the income generated by the taxed principal at the end of 2013 before 2014 is taxable, whether the income generated by the untaxed principal at the end of 2013 before 2014 is taxable, and whether the taxed principal at the end of 2013 is taxable. Whether income generated since 2014 is taxable; whether income generated since 2014 from untaxed principal at the end of 2013 is taxable; whether income generated since 2014 from taxed principal is taxable; whether income generated since 2014 from untaxed principal is taxable: both the individual contribution portion and the vested portion of the enterprise contribution are taxable; both the individual contribution portion and the vested portion of the enterprise contribution are taxable; the individual contribution portion is taxable while the vested portion of the enterprise contribution is taxable; the individual contribution portion is taxable while the vested portion of the enterprise contribution is taxable. This can be changed later based on actual circumstances.

[0067] Next, the conversion is performed through the rule mapping relationship in the rule engine. For example, if the external rule "Is it a whitelist exempt from tax" corresponds to the internal rule "Is all tax exempt", then when the value of "Is it a whitelist exempt from tax" in the external rule is yes, the corresponding rule field value of "Is all tax exempt" in the internal rule is yes.

[0068] Step S30: Divide the total annuity account item in the input parameter into multiple sub-items through a rule engine, and determine a fund sub-item tree based on the multiple sub-items.

[0069] It's important to note that the "total annuity account item" refers to the total funds in the annuity account, encompassing all types of contributions, including individual and corporate contributions. Sub-items are smaller units created by dividing the total annuity account item and are used to construct a fund item tree. This tree structure, composed of multiple sub-items, clearly displays the hierarchical relationships between different fund components.

[0070] The rules engine divides the annuity account's total items into multiple sub-items based on logic and rules. It then constructs a fund item tree based on the hierarchical relationships and connections between these sub-items. This fund item tree clearly illustrates the hierarchical structure of different fund components within the annuity account, providing a foundational framework for subsequent individual tax calculations based on different tax identifications.

[0071] For example, refer to Figure 2 The fund item tree can include the following: Account balances are divided into individual contributions (taxed), corporate contributions (taxed), individual contributions (untaxed), and corporate contributions (untaxed). Individual contributions (taxed) are further divided into the taxed principal A at the end of 2013, income A1 generated by A before 2014, income A2 generated by A since 2014, taxed principal E generated since 2014, and income E1 generated by E since 2014. The same applies to corporate contributions (taxed), individual contributions (untaxed), and corporate contributions (untaxed).

[0072] Step S40: The tax identification of the fund item tree is updated by the rule engine according to the internal rules to obtain a tree-shaped tax rule, wherein the tax identification is used to indicate whether tax calculation is required.

[0073] It's important to note that the tax nature indicator indicates whether a project is taxable. This indicator appears in the corresponding location of the funding item tree and is updated by the rule engine to create a tree-based tax nature rule. This tree-based tax nature rule updates the tax nature indicator of the funding item tree based on internal rules and serves as the key basis for calculating total individual tax.

[0074] The rules engine updates the tax identification for each fund item in the fund item tree based on internal rules. This step clarifies the taxable attributes of each fund item in individual tax calculations, providing a basis for differentiated treatment of fund items with different tax characteristics in subsequent individual tax calculations.

[0075] In a feasible implementation, the steps in step S40 may include steps A10 to A40:

[0076] Step A10: For each item tree node in all nodes of the fund item tree, all rule fields in the internal rule are matched with the item tree node;

[0077] It should be noted that the funding sub-item tree nodes refer to the various components that constitute the funding sub-item tree, such as the individual payment part, the enterprise payment part, and other specific node positions of different funding sub-items in the tree structure.

[0078] For each sub-item tree node in all nodes of the fund sub-item tree, all rule fields in the internal rules are compared with the sub-item tree node in sequence.

[0079] By matching each sub-item tree node with all rule fields, the rules related to each funding sub-item can be comprehensively and systematically identified.

[0080] Step A20: If there is only one rule field that successfully matches the item tree node, then the tax identification of the item tree node is updated according to the tax identification in the successfully matched rule field;

[0081] It should be noted that a successful match means that when the internal rule field matches the characteristics of the item tree node, it is considered that the rule field and the item tree node are successfully matched.

[0082] If only one rule field successfully matches a sub-item tree node, the original tax type indicator of the sub-item tree node will be updated based on the tax type indicator in the matching rule field. For example, if the rule field indicates that the sub-item corresponding to the node is taxable, the tax type indicator of the sub-item tree node will be updated to require taxation.

[0083] When there is only one rule field that matches successfully, the tax identification in the rule field is directly used to update the tax identification of the item tree node, avoiding unnecessary complex judgments and improving calculation efficiency.

[0084] Step A30: If there are multiple rule fields that successfully match the item tree node, the rule field with the highest priority is determined from the multiple successfully matched rule fields according to a preset priority, and the tax nature identifier of the item tree node is updated based on the tax nature identifier of the rule field with the highest priority.

[0085] It should be noted that the tax nature indicator is used to indicate whether a fund item is taxable, clarifying the taxability of the fund item when calculating individual income tax. The preset priority refers to the pre-set sorting criteria used to distinguish which of multiple successfully matched rule fields has a higher priority.

[0086] If there are multiple rule fields that successfully match the item tree node, the rule field with the highest priority will be determined from the multiple rule fields that successfully match according to the preset priority.

[0087] When there are multiple matching rule fields, the rule field that is ultimately used to update the tax identification is determined by presetting the priority, which can effectively solve the rule conflict problem, ensure the uniqueness of the tax identification, and ensure the accuracy and consistency of the annuity individual income tax calculation in the case of rule conflicts.

[0088] Step A40: determining the tax rules in a tree-like structure based on all updated item tree nodes.

[0089] After completing the tax identification update of all sub-item tree nodes, based on these updated sub-item tree nodes, according to their hierarchical relationship and logical structure in the capital sub-item tree, the tree-shaped tax rules of the entire capital sub-item tree are finally determined.

[0090] This embodiment dynamically updates the tax identification of enterprise annuity account balances through refined matching of item tree nodes with internal rule fields. The priority decision-making mechanism effectively resolves rule conflicts and ensures the accuracy of tax calculation logic.

[0091] Step S50: The calculation engine calculates the total individual tax result based on the input parameters and the tree-shaped tax rules, and outputs the total individual tax result.

[0092] It should be noted that the total individual tax result is the final annuity individual tax value calculated by the calculation engine based on the input parameters and tree-shaped tax rules, which is an important output of the system.

[0093] The calculation engine first obtains input parameters and a tree-like tax rule. Following the pre-set calculation logic and strategy, it executes the calculation process step by step to obtain the results. The calculation engine then assembles these results into a response message and outputs the total individual tax result.

[0094] In a feasible implementation, the steps in step S50 may include steps B10 to B40:

[0095] Step B10: In the core calculation engine, a step-by-step calculation is performed based on the input parameters and the tree-structured tax rules to obtain multiple individual tax results.

[0096] It should be noted that the calculation engine includes a core calculation engine, which contains a tax context builder, a tax strategy executor (compensation calculator, exemption calculator, combined tax calculator, and claim calculator) and a calculation processor. It is the core component of the system responsible for performing step-by-step calculations based on input parameters and tree-shaped tax rules to obtain multiple individual tax results.

[0097] In the core calculation engine, the tax calculation context builder first constructs the tax calculation context based on input parameters, which contains all the data required for tax calculation. The calculation processor then uses the tax calculation strategy executor to perform calculations sequentially according to pre-set steps.

[0098] Through the step-by-step calculation function of the core calculation engine, the complex individual tax calculation process can be broken down into multiple clear steps, improving the accuracy and traceability of the calculation.

[0099] Step B20: Integrate multiple individual tax results into a total individual tax result through the result assembly layer.

[0100] It should be noted that the calculation engine includes a result assembly layer. This is the system part that integrates multiple individual tax results into a total individual tax result. It is responsible for aggregating and organizing the calculation results of each step to form the final individual tax calculation result.

[0101] The result assembly layer obtains multiple individual tax results obtained by the core calculation engine and summarizes and integrates these results according to certain logic and format requirements.

[0102] This step can organically combine the scattered calculation results to ensure the completeness and consistency of the final output of personal tax results.

[0103] The steps of this embodiment can systematically and comprehensively calculate the individual tax results when the enterprise annuity is received through the integration function of the step-by-step calculation of the core calculation engine and the result assembly layer, thereby solving the problem of complicated steps in calculating the individual tax of the enterprise annuity and reducing the investment in development and testing resources.

[0104] In a feasible implementation, the steps in step B20 may include steps B201 to B207:

[0105] Step B201, calculate the payment amount according to the collection mode in the input parameters;

[0106] It should be noted that the payment model refers to the method of receiving an enterprise annuity, including lump-sum payments and installment payments, such as equal-proportion payments, fixed-amount regular payments, fixed-amount irregular payments, and installment payments. The payment amount is the amount payable to the annuitant calculated based on the payment model.

[0107] Calculating the payment amount based on the payment mode can accurately determine the payment amount that the annuity recipient should receive under different payment methods, and provide basic data for subsequent personal tax calculations.

[0108] Step B202: Calculate the consolidated tax data based on the consolidated tax configuration of the tax rule tree and the allocation month of the input parameters.

[0109] It's important to note that consolidated tax calculation configuration refers to the settings related to consolidated tax calculation within the tax rule tree. It determines which fund sub-items are subject to consolidated tax calculation. Apportionment months are the specific number of months to which taxable income is allocated, determined based on input parameters. Consolidated tax data is calculated based on the consolidated tax calculation configuration and the apportionment months and is used for subsequent tax calculations.

[0110] This step ensures the accuracy and compliance of the consolidated tax data, and provides reliable data support for the subsequent calculation of taxable income.

[0111] Step B203, calculating the compensation payable by the enterprise based on the consolidated tax calculation data;

[0112] It should be noted that the amount of compensation payable by the enterprise is the amount of compensation that the enterprise should pay to the individual based on the compensation type and relevant calculation rules.

[0113] By considering various rules and factors for compensation calculation, such as compensation type, payment reason, etc., it can ensure that the calculation of compensation amount complies with relevant regulations.

[0114] Step B204: Calculate the taxable income and taxed income based on the tax tree rule and the compensation payable by the enterprise;

[0115] It should be noted that taxable income is the amount of income subject to individual income tax, calculated based on the tax tree, the company's payable compensation, and the user's account balance. Taxed income is the amount of income in the user's account that has already been taxed.

[0116] The taxable income and taxed income are calculated by combining the tree-shaped tax rules and the compensation payable by the enterprise, which can fully and accurately reflect the taxable and taxed situations in the calculation of personal income tax on annuities.

[0117] Step B205 , apportioning the taxable income to each of the apportionment months, and calculating the after-tax payment amount and tax for each month according to the preset tax bracket;

[0118] It should be noted that a tax bracket is a pre-set individual income tax rate bracket used to determine the applicable tax rate based on taxable income. The after-tax payment amount is the actual payment amount after taxes are deducted.

[0119] Allocating taxable income to each month and calculating the after-tax payment amount and tax based on the tax file can provide a detailed reflection of the tax situation and actual payment amount for each month.

[0120] Step B206: Calculate the tax exemptions based on the preset personal tax exemption information and the used exemptions in the apportionment month, and calculate the payment amount and tax after exemption based on the tax exemptions.

[0121] It should be noted that personal tax exemption information refers to the tax exemption information available to an individual, as included in the input parameters. Used exemptions refer to the tax exemptions already used in the prorated month. Tax exemptions refer to the tax deduction amount calculated based on the personal tax exemption information and used exemptions. The post-tax payment amount refers to the post-tax payment amount minus the tax exemptions. The post-tax tax amount refers to the tax amount minus the tax exemptions.

[0122] Calculating tax exemptions based on personal tax exemption information and used exemptions, and further calculating the payment amount and tax after exemptions, can fully consider the employee's personal tax benefits and ensure that the annuity individual tax calculation complies with the tax exemption regulations.

[0123] Step B207, generate detailed records of taxable income, taxes, tax exemptions and tax allocation after exemptions for each month.

[0124] It should be noted that the apportionment detail record records the detailed information of the taxable income, taxes, tax exemptions and reductions, and taxes after exemptions and reductions for each month.

[0125] Generating detailed apportionment records details each month's taxable income, taxes, tax exemptions, and tax after exemptions, providing employees and businesses with clear and complete tax records. This step helps improve the transparency and traceability of annuity individual tax calculations.

[0126] As a complete example, the system first determines the payment amount based on the payment mode input. For example, if the payment is in installments, the current payment amortization month is calculated based on the payment cycle and the first payment information, and the current payment amount is calculated based on the installment payment type and the first payment information. If the payment is a lump sum, the amortization tax month is determined based on the payment reason. If the payment reason is retirement, the amortization tax month is 1, and if the payment reason is death, disability, or emigration, the amortization tax month is 12. The current payment amount is the user's account balance.

[0127] Next, the consolidated tax configuration in the tax rule tree is retrieved to determine which fund items should be consolidated for tax calculation. Then, based on the allocation month in the input parameter, the taxable income of the consolidated tax items is aggregated to calculate the consolidated tax data.

[0128] The calculation is then performed based on the compensation type, combined with the consolidated tax data. If the compensation type is pre-tax differential compensation or pre-tax equal compensation, the compensation payable by the enterprise is calculated directly according to the compensation calculation rules. If the compensation type is post-tax differential compensation or post-tax equal compensation, the calculation is performed in combination with the consolidated tax data to determine the compensation payable by the enterprise.

[0129] The tax classification system then determines whether each fund item is taxable based on the tax classification indicator in the tax classification tree. For fund items that are taxable, the taxable income and taxed income are calculated based on the user's account balance and the company's payable compensation.

[0130] The taxable income is then allocated to each of the apportionment months using an apportionment algorithm. The after-tax payment and tax for each month are then calculated by combining the consolidated tax information for each apportionment month with the pre-set tax file.

[0131] Based on the pre-set personal tax exemption information, the tax exemption policies available to the individual are determined. Combined with the used exemptions in the apportionment month, the tax exemption amount available for the current period is calculated. Based on the tax exemptions, the post-exempt payment amount and tax liability are calculated.

[0132] Finally, detailed records of allocations for each month are generated, recording detailed information on the taxable income, taxes, tax exemptions and tax after exemptions for each month, so that users can understand the actual tax burden of each month.

[0133] This embodiment uses step-by-step calculation logic to accurately calculate various personal tax-related data when collecting corporate annuities, ensuring that the personal tax calculation when collecting corporate annuities is clear, accurate, and complete, meeting the compliance and efficiency requirements of enterprises when processing personal tax calculations for annuities, and providing users with complete personal tax calculation details for easy understanding and query.

[0134] For example, the structural diagram of this embodiment is as follows: Figure 3 As shown, it includes: an interface layer, which is used to receive HTTP requests from users or other systems, parse JSON messages, and complete external message data structure verification and business verification. The rule engine converts the external data format of the payment rules into an internal rule model through the rule engine and marks the tax nature of the user account funds. The core calculation engine includes a tax context builder, a tax policy executor (compensation calculator, exemption calculator, combined tax calculator, and collection calculator), and a calculation processor. The tax context builder constructs the tax context based on the internal rule model and other inputs, and the calculation processor orchestrates the tax policy executor, executes the steps in sequence, and calculates the individual tax results for this period. Result assembly layer: Assembles the individual tax calculation results into a response message.

[0135] For example, if the implementation method of the annuity individual tax calculation system of this embodiment is encapsulated as an independent implementer of the annuity individual tax calculation system and deployed on a third-party platform, the data interaction is as follows: Figure 4 As shown, the user submits a calculation request on a third-party platform, the implementer of the annuity individual tax calculation system receives the calculation request, performs calculations according to the implementation method of the annuity individual tax calculation system, obtains the total individual tax result, and outputs the total individual tax result to the third-party platform for display to the user.

[0136] This embodiment receives external requests through the interface layer, parses the external requests to obtain input parameters, and separates the annuity individual tax calculation business from other businesses by requesting input parameters. If new parameters are needed in the future, only the field definition of the interface layer needs to be expanded to reduce repeated development costs; receives external rules, maps the external rules to internal rules through the rule mapping relationship in the rule engine, and realizes the mapping of external rules to internal rules through the rule engine. The internal rules can quickly respond to the adjustment of external rules; divides the total annuity account item in the input parameter into multiple sub-items through the rule engine, and determines the fund sub-item tree based on the multiple sub-items; and determines the fund sub-item tree based on the internal rules through the rule engine. The tax identification of the fund item tree is updated by internal rules to obtain the tree-shaped tax rules, wherein the tax identification is used to indicate whether tax calculation is required. The fund item tree is updated by internal rules, so that the fund item tree can also change with the changes of external rules; finally, the total individual tax result is determined in the calculation engine according to the input parameters and the tree-shaped tax rules, and the total individual tax result is output. The total individual tax result changes according to the changes in external rules. Therefore, this application only calculates the individual tax results flexibly by inputting external rules, which not only improves the flexibility of the implementation of the annuity individual tax calculation system, but also reduces the later maintenance cost of the annuity individual tax calculation system.

[0137] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the first embodiment can be referred to the above introduction, and no further details will be given later. On this basis, the steps of step S20 further include steps C10 to C20:

[0138] Step C10, checking whether there are conflicting rules in the external rules;

[0139] It should be noted that conflicting rules refer to situations where there are contradictions or inconsistencies between different external rules, resulting in the inability to meet the requirements of all rules at the same time.

[0140] After receiving external rules, the rule engine first analyzes and compares them individually to check for any inconsistencies or inconsistencies before mapping them to internal rules using the rule mapping relationships within the rule engine. For example, if there are two rules, one that stipulates that a certain fund item is taxable, and the other that stipulates that the same fund item is not taxable, then these two rules are in conflict.

[0141] By performing conflict checks on external rules, potential conflicts between rules can be discovered in a timely manner, avoiding erroneous results caused by the simultaneous application of conflicting rules during the calculation process.

[0142] For example, in an individual income tax calculation scenario, if external rule A specifies that "no new contributions after 2014 will be taxed", and external rule B specifies that "no new contributions after 2014 will not be taxed", then the two rules will have contradictory tax judgments on the total items of the annuity account, constituting conflicting rules.

[0143] Furthermore, external rules can be represented in a structured form, including attributes such as rule conditions, rule actions, and rule priorities. This step can be to input a structured external rule configuration file from the beginning, or to input semantic external rules into a pre-trained large model, and have the large model output structured external rules; preprocess the external rules to extract the type and key information in the external rules, including comparison operators and numerical thresholds in numerical comparison conditions, and enumeration values ​​in enumeration type conditions; for external rules of the same type, determine whether there is a conflict between the rules based on the key information: for numerical comparison conditions, convert the conditions into a numerical interval model, calculate the intersection of the two intervals, and if the intersection is not empty, determine that there is a conflict; for enumeration type conditions, represent the conditions as sets, calculate the intersection of the two sets, and if the intersection is not empty, determine that there is a conflict.

[0144] In step C20 , if there are conflicting rules, the conflicting rule with a higher priority is used to overwrite the conflicting rule with a lower priority according to the preset priority.

[0145] It should be noted that the preset priority is a pre-set sorting basis for distinguishing the priorities between different rules, and is used to determine which rule is applied first when there are conflicting rules.

[0146] When conflicting rules are found, the rule engine determines which rule has a higher priority based on the preset priority. If there are two conflicting rules, the two conflicting rules with medium and high priorities will override the conflicting rule with the lower priority, that is, the conflicting rule with the lower priority will be deleted. If there are more than two conflicting rules, the conflicting rule with the highest priority will override all conflicting rules with the lower priority, that is, all conflicting rules with a lower priority will be deleted.

[0147] Overriding conflicting rules according to preset priorities can quickly and clearly resolve rule conflicts, ensuring that the system can make choices based on established business logic and rule importance when faced with conflicting rules.

[0148] This embodiment ensures the consistency and accuracy of the rules by checking whether there are conflicting rules in the external rules and overwriting the low-priority conflicting rules according to the preset priority. It solves the problem of calculation errors caused by possible conflicts in external rules and improves the stability and reliability of the annuity individual tax calculation system.

[0149] In a feasible implementation manner, step S20 further includes steps D10 to D40:

[0150] Step D10: Generate a cache identifier according to the external rule, and query whether there is a cache rule matching the cache identifier in the preset cache record;

[0151] It should be noted that the cache identifier is identification information generated based on external rules for quickly identifying and locating specific rules. The cache record is a preset record used to store processed external rules and their corresponding tree-shaped tax rules.

[0152] Generate a cache identifier based on external rules and query the preset cache records to see if there is a cache rule that matches the cache identifier. When receiving external rules, the system generates a unique cache identifier based on these rules.

[0153] Generating a cache identifier and querying the cache rules can quickly determine whether the external rules have been processed, avoiding repeated mapping and calculation of the same rules.

[0154] Step D20: If a cache rule exists, compare the reception time of the external rule with the cache expiration time of the cache rule;

[0155] If a cache rule exists, the system compares the external rule's receive time with the cache rule's cache expiration time. If a matching cache rule is found, the system compares the external rule's receive time with the cache rule's cache expiration time.

[0156] Comparing the receipt time and cache expiration time can determine the validity of the cache rules and ensure that the system uses the latest and valid rules for calculation.

[0157] Step D30: If the receiving time is less than or equal to the cache expiration time, then read the tree-shaped tax rule in the cache rule;

[0158] It should be noted that the cache expiration time is a preset time limit used to determine the validity period of the cache rule.

[0159] If the receiving time is less than or equal to the cache expiration time, the system will read the tree-shaped taxation rules in the cache rules. If the receiving time is indeed less than or equal to the cache expiration time, the system will directly read the already generated tree-shaped taxation rules from the cache rules.

[0160] When the receiving time is less than or equal to the cache expiration time, the tree-shaped tax rules in the cache rules are read, and the existing calculation results can be directly used, avoiding repeated rule mapping and tax identification update processes.

[0161] Step D40: If there is no cache rule or the receiving time is greater than the cache expiration time, the step of mapping the external rule to the internal rule through the rule mapping relationship in the rule engine is executed.

[0162] If no cached rule exists or the receipt time exceeds the cache expiration time, the system proceeds to the rule mapping step, mapping the external rule to an internal rule using the rule mapping relationship in the rule engine. If no matching rule is found in the cache record or the receipt time exceeds the cache expiration time, the system proceeds to the rule mapping step. The rule engine converts the external rule to an internal rule based on the preset rule mapping relationship.

[0163] When there is no cache rule or the cache rule has expired, the triggering rule mapping step can timely convert the external rule into an internal rule and update the tree-shaped tax rule.

[0164] This embodiment improves the efficiency and response speed of the annuity individual tax calculation system through a cache mechanism, reduces repeated calculations and resource waste, effectively reduces computing costs, and improves the overall performance of the system.

[0165] It should be noted that the above examples are only used to understand this application and do not constitute a limitation on the implementation method of the annuity personal income tax calculation system of this application. More forms of simple transformations based on this technical concept are all within the scope of protection of this application.

[0166] This application also provides an implementation device for an annuity individual tax calculation system, please refer to Figure 5 , the implementation device of the annuity individual tax calculation system includes:

[0167] The interface layer 10 is used to receive external requests and external rules, and parse the external requests to obtain input parameters. The rule engine 20 is used to map external rules into internal rules using rule mapping relationships within the rule engine, divide the total annuity account item in the input parameter into multiple sub-items, determine a fund sub-item tree based on the multiple sub-items, and update the tax nature identifier of the fund sub-item tree according to the internal rules to obtain a tree-shaped tax nature rule. The tax nature identifier is used to indicate whether tax calculation is required.

[0168] The calculation engine 30 is used to determine the total individual tax result based on the input parameters and the tree-shaped tax rules, and output the total individual tax result.

[0169] The implementation device for the annuity individual tax calculation system provided in this application, which utilizes the implementation method for the annuity individual tax calculation system in the above-mentioned embodiments, can reduce the subsequent maintenance costs of the annuity individual tax calculation system. Compared with the prior art, the beneficial effects of the implementation device for the annuity individual tax calculation system provided in this application are the same as the beneficial effects of the implementation method for the annuity individual tax calculation system provided in the above-mentioned embodiments. Other technical features of the implementation device for the annuity individual tax calculation system are the same as those disclosed in the above-mentioned embodiments and are not further described here.

[0170] The present application provides an implementation device of an annuity individual tax calculation system, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the implementation method of the annuity individual tax calculation system in the above-mentioned embodiment one.

[0171] Reference below Figure 6 , which shows a schematic diagram of the structure of an implementation device suitable for implementing the annuity individual tax calculation system of the embodiments of the present application. The implementation device of the annuity individual tax calculation system in the embodiments of the present application may include, but is not limited to, mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), and in-vehicle terminals (e.g., in-vehicle navigation terminals), as well as fixed terminals such as digital TVs and desktop computers. Figure 6 The implementation device of the annuity individual tax calculation system shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0172] like Figure 6As shown, the implementation device of the annuity individual tax calculation system may include a processing device 1001 (such as a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to the program stored in the read-only memory 1002 or the program loaded from the storage device 1003 to the random access memory 1004. In the random access memory 1004, various programs and data required for the operation of the implementation device of the annuity individual tax calculation system are also stored. The processing device 1001, the read-only memory 1002 and the random access memory 1004 are connected to each other via a bus 1005. The input / output interface 1006 is also connected to the bus. Generally, the following systems can be connected to the input / output interface 1006 which is also connected to the bus. Typically, the following systems can be connected to the input / output interface 1006: an input device 1007 including, for example, a touch screen, a touchpad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the implementation device of the annuity individual tax calculation system to communicate wirelessly or wired with other devices to exchange data. Although the figure shows an implementation device of the annuity individual tax calculation system with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have instead.

[0173] In particular, according to the embodiments disclosed in the present application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the embodiments disclosed in the present application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program comprising program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via a communication device, or installed from a storage device 1003, or installed from a read-only memory 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are performed.

[0174] The implementation device of the annuity individual tax calculation system provided in this application, which adopts the implementation method of the annuity individual tax calculation system in the above-mentioned embodiment, can reduce the subsequent maintenance costs of the annuity individual tax calculation system. Compared with the existing technology, the beneficial effects of the implementation device of the annuity individual tax calculation system provided in this application are the same as the beneficial effects of the implementation method of the annuity individual tax calculation system provided in the above-mentioned embodiment. The other technical features of the implementation device of the annuity individual tax calculation system are the same as those disclosed in the method of the above-mentioned embodiment, and are not further described here.

[0175] It should be understood that the various parts disclosed in this application can be implemented using hardware, software, firmware, or a combination thereof. In the description of the above embodiments, specific features, structures, materials, or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0176] The above are only specific embodiments of the present application, but the scope of protection of this application is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope disclosed in this application should be included in the scope of protection of this application. Therefore, the scope of protection of this application should be based on the scope of protection of the claims.

[0177] The present application provides a medium, which is a computer-readable storage medium having computer-readable program instructions (i.e., computer program) stored thereon, and the computer-readable program instructions are used to execute the implementation method of the annuity individual tax calculation system in the above embodiment.

[0178] The computer-readable storage medium provided in this application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems or devices, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In this embodiment, the computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination thereof.

[0179] The above-mentioned computer-readable storage medium may be included in the implementation device of the annuity individual tax calculation system; or it may exist independently without being assembled into the implementation device of the annuity individual tax calculation system.

[0180] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the implementation device of the annuity individual tax calculation system, the implementation device of the annuity individual tax calculation system:

[0181] Receive external requests through the interface layer and parse the external requests to obtain input parameters;

[0182] Receiving external rules through the interface layer, and mapping the external rules into internal rules through the rule mapping relationship in the rule engine, wherein the internal rules include a plurality of preset rule fields;

[0183] The rule engine divides the total annuity account item in the input parameter into multiple sub-items, and determines the fund sub-item tree based on the multiple sub-items;

[0184] The rule engine updates the tax identification of the fund item tree according to internal rules to obtain a tree-shaped tax rule. The tax identification is used to indicate whether tax calculation is required.

[0185] The calculation engine calculates the total individual tax result based on the input parameters and the tree-structured tax rules, and outputs the total individual tax result.

[0186] Computer program code for performing the operations of the present application may be written in one or more programming languages, or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a stand-alone software package, partially on the user's computer and partially on a remote computer, or entirely on the remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., through the Internet using an Internet service provider).

[0187] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. In this regard, each box in the flow chart or block diagram can represent a module, program segment or a part of code, and the module, program segment or a part of code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order than that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or flow chart, and the combination of the boxes in the block diagram and / or flow chart can be implemented by a dedicated hardware-based system that performs the specified function or operation, or can be implemented by a combination of dedicated hardware and computer instructions.

[0188] The modules described in the embodiments of the present application may be implemented in software or hardware, wherein the name of a module does not necessarily limit the unit itself.

[0189] The computer-readable storage medium provided in this application is a computer-readable storage medium that stores computer-readable program instructions (i.e., a computer program) for executing the aforementioned method for implementing the annuity individual tax calculation system. This reduces the subsequent maintenance costs of the annuity individual tax calculation system. Compared to the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as those of the method for implementing the annuity individual tax calculation system provided in the aforementioned embodiments, and are not further elaborated here.

[0190] The present application also provides a product, which is a computer program product, including a computer program. When the computer program is executed by a processor, it implements the steps of the implementation method of the annuity individual tax calculation system as described above.

[0191] The computer program product provided in this application can reduce the subsequent maintenance costs of the annuity individual tax calculation system. Compared with the prior art, the beneficial effects of the computer program product provided in this application are the same as the beneficial effects of the implementation method of the annuity individual tax calculation system provided in the above embodiment, and will not be repeated here.

[0192] The above are only some embodiments of the present application and are not intended to limit the patent scope of the present application. All equivalent structural transformations made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect application in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for implementing an annuity individual tax calculation system, characterized in that: Applied to an annuity individual tax calculation system, the annuity individual tax calculation system includes an interface layer, a rule engine, and a calculation engine. The implementation method of the annuity individual tax calculation system includes: Receiving an external request through the interface layer, parsing the external request to obtain input parameters; Receiving external rules through the interface layer, and mapping the external rules into internal rules through a rule mapping relationship in the rule engine, wherein the internal rules include a plurality of preset rule fields; Dividing the total annuity account item in the input parameter into a plurality of sub-items by the rule engine, and determining a fund sub-item tree according to the plurality of sub-items; The rule engine updates the tax identification of the fund item tree according to the internal rules to obtain a tree-shaped tax rule, wherein the tax identification is used to indicate whether tax calculation is required; The calculation engine calculates a total individual tax result according to the input parameters and the tree-shaped tax rules, and outputs the total individual tax result.

2. The method for implementing the annuity individual tax calculation system according to claim 1, wherein: The step of updating the tax identification of the fund item tree according to the internal rules to obtain the tree-shaped tax rules includes: For each item tree node in all nodes of the fund item tree, matching all rule fields in the internal rule with the item tree node; If there is only one rule field that successfully matches the item tree node, then the tax identification of the item tree node is updated according to the tax identification in the successfully matched rule field; If there are multiple rule fields that successfully match the item tree node, determine the rule field with the highest priority from the multiple successfully matched rule fields according to a preset priority, and update the tax identification of the item tree node according to the tax identification of the rule field with the highest priority; Determine the tax rules based on all updated item tree nodes.

3. The method for implementing the annuity individual tax calculation system according to claim 1, wherein: The calculation engine includes a core calculation engine and a result assembly layer. The step of calculating the total individual tax result according to the input parameters and the tree-shaped tax rules by the calculation engine includes: In the core calculation engine, step-by-step calculations are performed based on the input parameters and the tree-shaped tax rules to obtain multiple individual tax results; The multiple individual tax results are integrated into a total individual tax result through the result assembly layer.

4. The method for implementing the annuity individual tax calculation system according to claim 3, wherein: The individual tax results include payment amounts, consolidated tax calculation data, corporate compensation payable, taxable income, taxable income, post-tax payment amounts and taxes, payment amounts after exemptions and reductions, taxes after exemptions and reductions, and apportionment details. The step of performing step-by-step calculations based on the input parameters and the tree-structured tax rules to obtain multiple individual tax results also includes: Calculate the payment amount according to the collection mode in the input parameters; Calculate the consolidated tax calculation data according to the consolidated tax calculation configuration of the tree-shaped tax rule and the allocation month of the input parameter; Calculate the compensation payable by the enterprise based on the consolidated tax calculation data; Calculating the taxable income and the taxed income based on the tax tree rule and the compensation payable by the enterprise; Allocate the taxable income to each of the apportionment months, and calculate the after-tax payment amount and tax for each of the months according to a preset tax file; Calculate the tax exemption based on the preset personal tax exemption information and the used exemption amount of the apportionment month, and calculate the payment amount after exemption and the tax after exemption based on the tax exemption; Generate detailed records of taxable income, taxes, tax exemptions and tax allocation after exemptions for each month.

5. The method for implementing the annuity individual tax calculation system according to claim 1, wherein: After the step of receiving external rules, the following steps are further included: Checking whether the external rules contain conflicting rules; If there are conflicting rules, the conflicting rules with higher priority are used to overwrite the conflicting rules with lower priority according to the preset priority.

6. The method for implementing the annuity individual tax calculation system according to claim 1, wherein: After the step of receiving external rules, the method further includes: Generate a cache identifier according to the external rule, and query whether there is a cache rule matching the cache identifier in the preset cache record; If the cache rule exists, compare the reception time of the external rule with the cache expiration time of the cache rule; If the receiving time is less than or equal to the cache expiration time, then reading the tree-shaped tax rule in the cache rule; If the cache rule does not exist or the receiving time is greater than the cache expiration time, the step of mapping the external rule to the internal rule through the rule mapping relationship in the rule engine is performed.

7. A system for calculating annuity individual tax, characterized in that: The annuity individual tax calculation system includes: The interface layer is used to receive external requests and external rules, and parse the external requests to obtain input parameters; a rule engine configured to map the external rule into an internal rule through a rule mapping relationship in the rule engine, divide the total annuity account item in the input parameter into a plurality of sub-items, determine a fund sub-item tree based on the plurality of sub-items, and update the tax nature identifier of the fund sub-item tree based on the internal rule to obtain a tree-shaped tax nature rule, wherein the tax nature identifier is used to indicate whether tax calculation is required; A calculation engine is used to determine a total individual tax result based on the input parameters and the tree-shaped tax rules, and output the total individual tax result.

8. A device for implementing an annuity individual tax calculation system, characterized in that: The implementation device of the annuity individual tax calculation system includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the implementation method of the annuity individual tax calculation system as described in any one of claims 1 to 6.

9. A computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the computer program implements the steps of the method for implementing the annuity individual tax calculation system according to any one of claims 1 to 6.

10. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the computer program implements the steps of the method for implementing the annuity individual tax calculation system according to any one of claims 1 to 6.

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