A salary payment method, device, computer device, and readable storage medium

Abstract

The present invention belongs to the technical field of data processing systems, and particularly relates to a salary payment method, device, computer device, and readable storage medium. By establishing electronic payment accounts for payee users and payer-receiver users and forming a payment and receipt chain for each user, and setting directional payment instructions between adjacent nodes so that the payment amount is transferred in a specified direction until it reaches the account of the final payee user. After that, in the account of the payee user, the cash withdrawal or transfer function is realized according to the user's request. The present invention realizes the transfer of funds in the payment and receipt chain and cannot be withdrawn until it finally reaches the account of the payee user, ensuring the interests of the payee user and preventing the interception of funds in the intermediate links of the payment and receipt chain. At the same time, the present invention saves the entire transfer process to facilitate the supervision of the transfer process by the supervisor to ensure the interests of the payee user. At the same time, the present invention can also receive supervision videos, which can increase the supervision methods.

Description

Technical Field

[0001] The embodiments of the present invention relate to the technical field of data processing systems, and particularly to a salary payment method, device, computer device, and readable storage medium. Background Art

[0002] The entire process of paying the wages of migrant workers cannot be effectively presented, which is not convenient for the supervisor to supervise the process. Summary of the Invention

[0003] Based on the above deficiencies of the prior art, the present invention provides a salary payment method and device, which can not only ensure the right of the foreman, who is the direct superior of the migrant worker, to determine the amount of the salary according to the supervision of the migrant worker's work attendance, but also ensure that when the subcontractors or the general contractor allocate salary funds, the funds can be directly paid to the hands of the migrant workers, and at the same time, it can also ensure the supervision of the entire appropriation process by the supervisor.

[0004] The technical solutions adopted by the present invention to solve the technical problems are as follows:

[0005] On the one hand, the present invention provides a salary payment method, which is used in a first server, and the method includes the steps of:

[0006] S1. Receive the account application information of the payee user and the payer-receiver user sent by the client, where the account application information of the payee user and the payer-receiver user is the account application information of the payee user and the payer-receiver user obtained by the client;

[0007] S2. Send the account application information of the payee user and the payer-receiver user to the second server, where the account application information of the payee user and the payer-receiver user is used to trigger the second server to open a collection electronic payment account for the payee user and a payment and collection electronic payment account for the payer-receiver user, and the second server binds the electronic payment account to the bank card accounts of the payee user and the payer-receiver user;

[0008] S3. Receive the receivable amount and receivable attribute corresponding to the account of the payee user and the receivable and payable attribute corresponding to the account of the payer-receiver user sent by the client, and save them, where the receivable amount and receivable attribute corresponding to the account of the payee user and the receivable and payable attribute corresponding to the account of the payer-receiver user are the receivable amount and receivable attribute, and the receivable and payable attribute corresponding to the account of the payer-receiver user obtained by the client;

[0009] S4. Establish a collection and payment chain according to the receivable attributes and the receivable and payable attributes. Each electronic payment account in the collection and payment chain is a node. The receivable amount of each node is calculated and saved in the node information. Each node information includes the electronic payment account information of the node, the node information of the next node and the receivable amount. There is a directional payment instruction between each node and its next node;

[0010] S5. Receive a payment request sent by the client, wherein the payment request includes node information of the node initiating the payment request and the payment amount, and the payment request is a payment request obtained by the client;

[0011] S6. Analyze the information of the next node of the node initiating the payment request, divide the payment amount according to the number of next nodes and the receivable amount of each next node, and complete the transfer between the node and the next node according to the directional payment instruction between the node and the next node;

[0012] S7. After determining that the next node has received the transfer, analyze the information of the next node and complete the transfer again until the node where the recipient user is located completes the transfer;

[0013] S8. After receiving the transfer success information of the receiving electronic payment account of the payee user, receive the withdrawal request or transfer request of the receiving user sent by the client, and send the withdrawal request or transfer request to the second server, wherein the withdrawal request or transfer request is used to trigger the second server to complete the withdrawal of the receiving electronic payment account of the payee user or the transfer of the receiving electronic payment account in the transfer request.

[0014] The transfer request includes a transfer receiving electronic payment account, which is an electronic payment account opened by the second server through the first server transmitting the user's real-name information obtained from the client to the second server. The withdrawal request enables the recipient user to transfer cash to the recipient user's bank card bound to the recipient electronic payment account.

[0015] The specific process is prior art and is only briefly explained here: the receiving user can initiate a withdrawal or transfer request to the first server through the client at any time. The first server sends the withdrawal or transfer request to the second server. After receiving the request, the second server gives the receiving user a verification request instruction for the withdrawal or transfer request. When the receiving user sends a confirmation withdrawal or transfer instruction through the client and sends it to the second server through the first server in turn, the second server executes the transfer or withdrawal after verification.

[0016] S9. Record each step of the transfer process as transfer process information and save it. The transfer process information includes the completion time and amount of the transfer between nodes, and the payment and collection chain composed of each node involved in the transfer process;

[0017] S10. Receive a transfer process information viewing request sent by the client, where the information viewing request is the information viewing request obtained by the client;

[0018] S11. Send the transfer process information to the client.

[0019] On the other hand, the present invention also provides a salary payment device,

[0020] A first receiving module, configured to receive account application information of the payee user and the payer and payee users sent by the client, where the account application information of the payee user and the account application information of the payer and payee users are the account application information of the payee user and the account application information of the payer and payee users obtained by the client;

[0021] A first sending module, configured to send the account application information of the payee user and the payer and payee users to a second server, where the account application information of the payee user and the payer and payee users is used to trigger the second server to open a receiving electronic payment account for the payee user and a payment and receiving electronic payment account for the payer and payee users, and the second server binds the electronic payment account to the bank card accounts of the payee user and the payer and payee users;

[0022] A second receiving module, configured to receive and save the receivable amount and receivable attribute corresponding to the account of the payee user and the receivable and payable attribute corresponding to the account of the payer and payee users sent by the client, where the receivable amount and receivable attribute corresponding to the account of the payee user and the receivable and payable attribute corresponding to the account of the payer and payee users are the receivable amount and receivable attribute obtained by the client and the receivable and payable attribute corresponding to the account of the payer and payee users;

[0023] A payment and receipt chain establishment module, configured to establish a payment and receipt chain according to the receivable attribute and the receivable and payable attribute. Each electronic payment account in the payment and receipt chain is a node, calculate the receivable amount of each node and save it to the node information. Each node information includes the electronic payment account information of this node, the node information of the next node, and the receivable amount. There is a directional payment instruction between each node and its next node;

[0024] A third receiving module, configured to receive a payment request sent by the client, where the payment request includes the node information of the node initiating the payment request and the payment amount;

[0025] An analysis module, configured to analyze the information of the next node of the node initiating the payment request;

[0026] A division module, configured to divide the payment amount according to the number of next nodes and the receivable amount of each next node;

[0027] A division module, configured to divide the payment amount according to the number of next nodes and the receivable amount of each next node;

[0028] A transfer module, configured to complete the transfer between a node and the next node according to the directional payment instruction between the node and the next node;

[0029] A first judgment module, configured to judge whether the next node has completed the transfer, so as to analyze the information of the next-next node after the transfer is completed, and complete the transfer again until the transfer of the node where the receiving user is located is completed;

[0030] A cash withdrawal or transfer request processing module, configured to receive the transfer success information of the receiving electronic payment account of the receiving user, and then receive the cash withdrawal request or transfer request of the receiving user sent by the client, and send the cash withdrawal request or transfer request to the second server, where the cash withdrawal request or transfer request is used to trigger the second server to complete the cash withdrawal of the receiving electronic payment account of the receiving user or the transfer of the transfer receiving electronic payment account in the transfer request.

[0031] An information recording module, recording the transfer process of each step as transfer process information and saving it, where the transfer process information includes the completion time and amount of the transfer between nodes, and the payment and collection chain composed of each node involved in the transfer process;

[0032] A viewing request receiving module, configured to receive the transfer process information viewing request sent by the client, where the information viewing request is the information viewing request obtained by the client;

[0033] A second sending module, configured to send the transfer process information to the client.

[0034] On the other hand, the present invention also provides a computer device, where the computer device includes a processor, and the processor is configured to implement the above-mentioned salary payment method when executing the computer program stored in the memory.

[0035] On the other hand, the present invention also provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program, and the computer program implements the steps of the above-mentioned salary payment method when executed by a processor.

[0036] The present invention has the following beneficial effects:

[0037] (1) By establishing an electronic payment account for the receiving user and the receiving and paying users, and using each user as a node to form a payment and collection chain according to the node information, and setting a directional payment instruction between adjacent nodes associated in the payment and collection chain to make the transferred amount transfer in the specified direction until it reaches the account of the final receiving user, and then completing the cash withdrawal or transfer according to the request of the receiving user after the amount arrives in the account of the receiving user, it is ensured that the funds flow in the payment and collection chain and cannot be withdrawn until they finally reach the account of the receiving user, ensuring that the receiving user can receive the payment and protecting the interests of the receiving user.

[0038] (2) Meanwhile, the present invention saves the entire transfer process to facilitate the supervision of the process by the supervisor.

[0039] (3) Meanwhile, the present invention can also receive supervision videos, which can increase the ways of supervision. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] Figure 1 is a flowchart of salary payment for the embodiments provided by the present invention;

[0041] Figure 2 is a signal transmission framework diagram among each client and server in the embodiments provided by the present invention.

[0042] Figure 3 is an internal structure diagram of a computer device in the embodiments provided by the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0043] The present invention will be further described below with reference to the drawings.

[0044] Embodiment 1:

[0045] As Figures 1 to 3 shown, for the salary payment method described in the present invention, the implementation environment includes a client, a first server, a second server, and a third server.

[0046] The client can be a client with an electronic exchange function running on an electronic device with digital processing capabilities.

[0047] The electronic device can be a mobile phone, a tablet computer, a laptop computer, a desktop computer, and so on.

[0048] As Figure 2 shown, an electronic device with data processing capabilities (with a client thereon), a first server, a second server, and a third server can be connected to each other through a wireless network or a wired network. The first server and the second server can be a single server, or a server cluster composed of several servers, or a cloud computing service center. The first and second servers are used to interact with the electronic device where the client is located to provide electronic exchange services. The first server and the second server are usually set up by Internet service providers. The second server can also be used to provide an electronic payment account, which can be a third-party payment, such as a third-party payment company with a payment license like Allinpay, Alipay, UnionPay, etc.

[0049] The third server can be a single server, or a server cluster composed of several servers, or a cloud computing service center. The third server is used to provide an entity resource account, and the third server is usually set up by a financial institution, such as a bank.

[0050] First of all, it should be noted that in various embodiments of the present invention, the terms involved are as follows:

[0051] The account application information is used to check with the account information of the existing savings account or bank card account through the third server (i.e., the bank), and to check with the existing public basic information through the second server (which can be a third-party payment such as AllinPay).

[0052] The user real-name information includes at least one of name, ID number, ID photocopy, and bank card number.

[0053] The electronic payment account is an account used by the user to complete electronic exchange in the electronic exchange function provided by the client. Different users correspond to different electronic payment accounts. Here, the electronic payment account can be an AllinPay electronic account, an Alipay electronic account, or a UnionPay electronic account.

[0054] Next, the method and device of the present invention will be introduced in detail.

[0055] As Figures 1 to 2 shown, a salary payment method includes the following steps:

[0056] The client obtains the account application information of the payee user and the payer and payee users and sends it to the first server. The first server sends the account application information of the payee user and the payer and payee users to the second server. The second server opens a collection e-payment account for the payee user and an e-payment account for the payer and payee users. The second server sends the collection e-payment account, the e-payment account for the payer and payee users, and the account application information to the third server. The third server verifies the collection e-payment account, the bank card account of the payee user, and the account application information. After successful verification, the second server binds the bank card account of the payer and payee / payee user. The client obtains the receivable amount and receivable attribute corresponding to the account of the payee user, and the receivable and payable attribute corresponding to the account of the payer and payee user and sends it to the first server. The first server saves it and establishes a payment and collection chain according to the receivable attribute and the receivable and payable attribute. Each e-payment account in the payment and collection chain is a node. Calculate the receivable amount of each node and save it in the node information. Each node information includes the e-payment account information of this node, the node information of the next node, and the receivable amount. There is a directional payment instruction between each node and its next node. The client obtains a payment request and sends it to the first server. The payment request includes the node information of the node initiating the payment request and the payment amount. The first server analyzes the information of the next node of the payment request initiation node, divides the payment amount according to the number of the next nodes and the receivable amount of each next node, and sends the directional payment instruction between the node and the next node to the second server. The second server completes the transfer between the node and the next node. After the first server determines that the next node has received the transfer, it analyzes the information of the next next node, and obtains the directional transfer instruction between the next node and the next next node and sends it to the second server to complete the transfer between nodes until the transfer is completed at the node where the payee user is located.

[0057] Alternatively, the client obtains a payment request, and the payment request contains an instruction packet that can complete the transfer between each node according to the payment and collection chain at the same time.

[0058] After the first server receives the successful collection e-payment transfer information of the payee user, it receives the withdrawal request or transfer request of the payee user sent by the client, and sends the withdrawal request or transfer request to the second server. The second server completes the withdrawal of the collection e-payment account of the payee user in the withdrawal request or the transfer of the transfer receiving e-payment account in the transfer request.

[0059] By setting a specific payment direction for the payment request in the payment and collection chain, this method enables the payment of the node where the payment request is located to directly reach the collection e-payment account without being intercepted by the intermediate links of the payment and collection chain, ensuring the interests of the payee user.

[0060] ByFigure 1 As shown below, taking the first server as an example, the following steps are included:

[0061] S1. Receive the account application information of the payee user and the payer-receiver user sent by the client. The account application information of the payee user and the payer-receiver user is the account application information of the payee user and the payer-receiver user obtained by the client. The account application information of the payee user includes several user real-name information, and the user real-name information includes at least one of name, ID number, ID photocopy, and bank card number. The account application information of the payer-receiver user includes at least one of enterprise name, unified social credit code, business license photocopy, and corporate account information;

[0062] S2. Send the account application information of the payee user and the payer-receiver user to the second server. The account application information of the payee user and the payer-receiver user is used to trigger the second server to open a payment electronic account for the payee user and a payment-receipt electronic account for the payer-receiver user. During the process of opening the account, the second server verifies the account application information. If the verification is passed, the payment / receipt electronic account is opened. The payment-receipt electronic account and the payment electronic account are used to trigger the second server to send the electronic payment account information and the corresponding account application information to the third server. The third server checks the account application information corresponding to the payment-receipt / payment electronic account with the bank card information pre-stored in the third server. After the check is correct, the third server sends an instruction of successful check to the second server, and the second server binds the payment electronic account with the bank card account of the payee user, or binds the payment-receipt electronic account with the bank card of the payer-receiver user;

[0063] S3. Receive the receivable amount and receivable attribute corresponding to the account of the payee user, and the receivable-payable attribute corresponding to the account of the payer-receiver user sent by the client, and save them. The receivable amount and receivable attribute corresponding to the account of the payee user, and the receivable-payable attribute corresponding to the account of the payer-receiver user are the receivable amount and receivable attribute, and the receivable-payable attribute corresponding to the account of the payer-receiver user obtained by the client;

[0064] The receivable-payable attribute includes at least one of the name of the receivable party and the name of the payable party;

[0065] The receivable attribute includes the name of the receivable party; the name is either a name or an enterprise name.

[0066] S4. Establish a collection and payment chain according to the receivable attributes and the receivable and payable attributes. Each electronic payment account in the collection and payment chain is a node. The receivable amount of each node is calculated and saved in the node information. Each node information includes the electronic payment account information of the node, the node information of the next node and the receivable amount. There is a directional payment instruction between each node and its next node;

[0067] S5. Receive a payment request sent by the client, wherein the payment request includes node information of the node initiating the payment request and the payment amount, and the payment request is a payment request obtained by the client;

[0068] S6. Analyze the information of the next node of the node initiating the payment request, divide the payment amount according to the number of next nodes and the receivable amount of each next node, and complete the transfer between the node and the next node according to the directional payment instruction between the node and the next node;

[0069] S7. After determining that the next node has received the transfer, analyze the information of the next node and complete the transfer again until the node where the recipient user is located completes the transfer;

[0070] The above two steps may also be that there is a payment instruction package in the payment request, the first server analyzes the payment instruction package, and completes the transfer between all nodes in the instruction package. The instruction package includes transfer instructions between nodes with receivable and payable relationships, and the amount to be transferred between each node.

[0071] S8. After receiving the transfer success information of the receiving electronic payment account of the payee user, receive the withdrawal request or transfer request of the receiving user sent by the client, and send the withdrawal request or transfer request to the second server, wherein the withdrawal request or transfer request is used to trigger the second server to complete the withdrawal of the receiving electronic payment account of the payee user or the transfer of the receiving electronic payment account in the transfer request.

[0072] The transfer request includes a transfer receiving electronic payment account, which is an electronic payment account opened by the second server through the first server transmitting the user's real-name information obtained from the client to the second server. The withdrawal request enables the recipient user to transfer cash to the recipient user's bank card bound to the recipient electronic payment account.

[0073] The specific process is prior art and is only briefly explained here: The receiving user can initiate a cash withdrawal or transfer request to the first server through the client at any time. The first server sends the cash withdrawal or transfer request to the second server. After receiving the request, the second server gives the receiving user a verification request instruction for the cash withdrawal or transfer request. When the receiving user sends a confirmation cash withdrawal or transfer instruction through the client and successively sends it to the second server through the first server, the second server performs the transfer or cash withdrawal after verification.

[0074] S9. Record the transfer process of each step as transfer process information and save it. The transfer process information includes the completion time and amount of the transfer between nodes, and the payment and receipt chain composed of each node involved in the transfer process;

[0075] S10. Receive the transfer process information viewing request sent by the client, send security verification information to the client, and after the client passes the security verification, send the transfer process information to the client and present it to the user. The security verification methods include a combination password of numbers and / or letters or answering preset questions.

[0076] S11. Send the transfer process information to the client.

[0077] Furthermore, analyze the information of the next node of the payment request initiating node, and divide the payment amount according to the number of the next nodes and the receivable amount of each next node. Specifically, it further includes:

[0078] Judge that when the payment amount is smaller than the receivable amount of the node that initiates the payment request, calculate the percentage a of the payment amount in the receivable amount of the node that initiates the payment request, and calculate the percentage a of the receivable amount on all nodes between the node that initiates the payment request and the node where the receiving user's account is located in the payment and receipt chain;

[0079] Perform the transfer according to the percentage a of the receivable amount of each node. After judging that all nodes have completed the transfer, update the receivable amount of each node to the percentage 1 - a of the original receivable amount and save it as the new receivable amount in the node information of each node.

[0080] Furthermore, the above method of dividing by percentage a can be used for the transfer between the payment request initiating node and the previous node of the receiving user's node. When there are multiple receiving users corresponding to the previous node of the receiving user's node, the previous node of the receiving user can sort the receiving users according to the priorities of the receiving users associated with it, and then arrange the transfer order for the receiving users according to the sorting. The priorities can be defined manually, such as the order of establishing an electronic payment account, etc.

[0081] Further, receive the supervision video sent by the video supervision client, where the supervision video is the supervision video obtained by the video supervision client;

[0082] Store the supervision video;

[0083] Receive the video viewing request sent by the client, where the video viewing request is the video viewing request obtained by the client;

[0084] Send the stored supervision video to the client.

[0085] By setting a specific payment direction for the payment request in the payment and collection chain, this method enables the payment of the node where the payment request is located to directly reach the receiving electronic payment account without being intercepted by the intermediate links in the payment and collection chain, ensuring the interests of the receiving user. At the same time, the transfer process information of the entire process is saved and displayed, so that the entire transfer process is supervised.

[0086] Furthermore, this method further improves the guarantee of the interests of the receiving user. In addition, this method also adds a supervision method, that is, connecting with the supervision video, which further improves the function of this method.

[0087] The application of this method in a specific scenario is as follows.

[0088] Here, the first server is the ring-chain payment platform (hereinafter referred to as the platform), the second server is selected as AllinPay, the third server is the bank, the receiving user is a migrant worker, and the payment and receiving users include the construction unit, contractors at all levels, and foremen. Taking the above specific objects as examples, this method is described.

[0089] The specific process is as follows:

[0090] As the wage payers, the construction unit and contractors at all levels provide at least one of the enterprise name, unified social credit code, photocopy of business license, and corporate account information (these information are the real-name information of the enterprise) to the platform through the client. The platform forwards it to AllinPay. After receiving the real-name information of the enterprise, AllinPay checks it with the public basic information pre-stored in the Ministry of Public Security. After successful verification, AllinPay establishes receiving and payment electronic payment accounts for each user who has submitted the information, which can be used for receiving or paying;

[0091] On the other hand, as the ultimate recipients of wages, both the labor contractor and the migrant workers open e-payment accounts with AllinPay. The labor contractor and the migrant workers can respectively submit their real-name user information through the client. The information of the migrant workers can also be provided in batches by the labor contractor. The real-name user information includes at least one of the name, ID number, photocopy of the ID card, and bank card number of the labor contractor and / or the migrant workers. The platform submits the real-name user information to AllinPay, and AllinPay checks the real-name user information against the public basic information stored in the Ministry of Public Security in advance. After successful verification, AllinPay opens e-payment accounts for each user. The migrant workers correspond to the receivable e-payment accounts, and the labor contractor corresponds to the receivable and payable e-payment accounts.

[0092] AllinPay submits the received real-name user information and the receivable e-payment account of an individual to the bank corresponding to the bank card, and submits the real-name information of the enterprise and the receivable and payable e-payment account to the bank where the corporate account is located. The bank verifies the above information against the information stored in the bank. After successful verification, it feedbacks to AllinPay, and AllinPay binds the bank card account with the receivable and payable / payable e-payment account.

[0093] The labor contractor submits the wage sheet to the platform through the client and submits it to (i.e., designates) the superior contractor within the platform. The submitted wage sheet information includes basic information such as the names of the migrant workers, the amounts of money for the migrant workers, the wage months, etc. and the total wage payment amount (i.e., the receivable amount) for each migrant worker. After receiving and confirming the wage sheet, the superior contractor can pay the wages or submit it to (i.e., continue to designate) the higher-level contractor until the builder. Thus, a wage receipt and payment chain is formed. The migrant workers, the labor contractor, each level of contractor, and the builder are all respectively a node. In the process of submitting (i.e., designating) the wage sheet to the upper level at each node, it is the process for the platform to receive the receivable amount, receivable attribute, receivable and payable amount, and receivable and payable attribute. At the same time, the platform establishes the connection between each node based on the above attributes, further constituting the receipt and payment chain, and at the same time assigns a directional payment instruction between two adjacent nodes with a connection, so that the transfer between two associated nodes with a directional payment instruction is always in a certain direction.

[0094] The labor contractor submits the wage sheet to the platform through the client and submits it to (i.e., designates) the superior contractor within the platform. The submitted wage sheet information includes basic information such as the names of the migrant workers, the amounts of money for the migrant workers, the wage months, etc. and the total wage payment amount (i.e., the receivable amount) for each migrant worker. After receiving and confirming the wage sheet, the superior contractor can pay the wages or submit it to (i.e., continue to designate) the higher-level contractor until the builder. Thus, a wage receipt and payment chain is formed. The migrant workers, the labor contractor, each level of contractor, and the builder are all respectively a node. In the process of submitting (i.e., designating) the wage sheet to the upper level at each node, it is the process for the platform to receive the receivable amount, receivable attribute, receivable and payable amount, and receivable and payable attribute. At the same time, the platform establishes the connection between each node based on the above attributes, further constituting the receipt and payment chain, and at the same time assigns a directional payment instruction between two adjacent nodes with a connection, so that the transfer between two associated nodes with a directional payment instruction is always in a certain direction.

[0095] During this process, since some nodes may have multiple next-level nodes, the receivable amount at a node with multiple next-level branches needs to be the sum of the receivable amounts of its next-level nodes. The platform calculates the receivable amount of each node sequentially from the node where the receiving user is located to the upper-level node, and automatically generates the receivable amount and payable amount of a certain level of node based on the established payment and collection chain. The receivable amount is the amount that the upper-level node of the current level should pay, and the payable amount is the specific situation of the amount that the current level of node should pay to the next-level node, including the total amount, the number of shares divided according to the number of next-level nodes and the receivable amount situation, and the amount of each share.

[0096] The platform records the receivable and payable amount situations at each node and sends them to the client for presentation to the user, enabling the user to conveniently view the receivable amount and payable amount situations of the node where they are located.

[0097] Each level of contractor or builder in the payment and collection chain can initiate a payment request. The payment request includes the node information and payment amount of the node that initiates the payment request. The platform determines, based on the node that initiates the payment request, whether to compare the payment amount with the payable amount that has been saved in the platform at the node that initiates the payment request;

[0098] When they are equal, the platform divides the amount of the payment request according to the number of the next-level contractors of the contractor who initiates the payment request and the receivable amount of each contractor among the next-level contractors, and distributes the paid money to the electronic payment accounts of the next-level contractors. The platform records the transfer process;

[0099] Similarly, at the next-level contractor, the platform divides the amount in the same way according to the situation of the next-level contractors of the next-level contractor, and then completes the transfer and records the transfer process;

[0100] It ends until the transferred funds are received in the receiving electronic payment account. In this process, it can be that the platform first calculates the fund distribution in each node's transfer process, and then the payment request serves as an instruction packet, which is used to control the transfer between all nodes.

[0101] After the platform receives the transfer success information of the receiving user's receiving electronic payment account, the migrant worker initiates a cash withdrawal request or a transfer request to the platform through the client. The platform sends the cash withdrawal request or transfer request to Allinpay. Allinpay completes the transfer of cash to the migrant worker's bank card or transfers it to the transfer receiving electronic payment account provided by the migrant worker through the client.

[0102] The transfer receiving electronic payment account should also be an electronic payment account opened by the platform with Allinpay.

[0103] The specific process is prior art and is only briefly explained here: The platform sends a cash withdrawal or transfer request to Allinpay. After receiving the cash withdrawal or transfer request, Allinpay sends a text message verification to the mobile phone of the migrant worker to confirm the transfer or cash withdrawal operation. The migrant worker inputs the text message verification into the platform (i.e., confirms the transfer or cash withdrawal operation), and the platform sends the received text message verification input (i.e., the information of the confirmation instruction) to Allinpay. After passing the verification, Allinpay executes the cash withdrawal or transfer. Cash withdrawal means depositing cash into the bank card account of the migrant worker, and transfer means transferring money to the receiving e-payment account provided according to the operation of the migrant worker.

[0104] The platform records all transfer processes and the transfer situations of the entire payment and collection chain.

[0105] When the amount of funds provided in the payment request is less than the receivable amount of the node where the contractor at a certain level initiating the payment request is located, calculate the percentage a of the payment amount in the payable amount of the contractor initiating the payment request, and calculate the percentage a of the receivable amount on all nodes between the node (contractor) initiating the payment request and the receiving e-payment account of the migrant worker in the payment and collection chain;

[0106] Transfer according to the percentage a of the receivable amount of each contractor. After the platform determines that all nodes have completed the transfer, update the receivable amount of each contractor to the percentage 1 - a of the original receivable amount, save it as the new receivable amount in the information of each node, and send it to the client for presentation to the builder and contractors at all levels.

[0107] Each payment and collection user (i.e., contractors or builder at all levels) can initiate a payment request to pay the wages of migrant workers. The payment in the initiated payment request will directly reach the receiving e-payment account along the payment and collection chain without being intercepted by any node, ensuring the smooth payment of the wages of migrant workers.

[0108] When the amount of funds provided in the payment request is less than the receivable amount of the node where the contractor at a certain level initiating the payment request is located, another calculation method that can be adopted is: calculate the percentage a of the payment amount in the payable amount of the contractor initiating the payment request, and calculate the percentage a of the receivable amount on all nodes between the node (contractor) initiating the payment request and the payment and collection e-payment account of the foreman;

[0109] Transfer in percentage a of the receivable amount of each contractor. After the foreman receives the transfer, update the receivable amount of all nodes (except the nodes where migrant workers are located) to 1 - a of the original amount. Under the electronic payment accounts for receipts and payments of each foreman, there are corresponding electronic payment accounts for the receipts of several migrant workers. At this time, the foreman can pay the wages of migrant workers according to the rules specified for the electronic payment accounts for the receipts of several migrant workers under him (the rules can be priorities set according to the excellent or poor work attendance situation obtained by the supervisor). Mark the electronic payment accounts for the receipts of the migrant workers who have received payment as completed or remove them from the receipt and payment chain. The marked or removed electronic payment accounts for receipts will not participate in subsequent transfer activities.

[0110] As the supervisor of the payment of migrant workers' wages, the regulatory department uses this platform to supervise the entire payment process.

[0111] When the regulatory department initiates a request to view the transfer process information of the wage chain through the client, the platform will send a security verification to the client. This security verification is used to confirm again that it is the regulatory department that is viewing, and others cannot view it easily. The verification method can be a password, such as composed of numbers, letters, or a mixture of numbers and letters, or a security question pre - stored on the platform. After the verification passes, the platform will send the transfer process information to the client for display to the regulatory user.

[0112] The platform can receive the supervision videos sent by the video supervision client. The connection between the platform and the video supervision client can be either wired or wireless. The foreman can view the supervision videos. The foreman calculates the wages of migrant workers every month. They are the organizers and managers of specific employment, distributing tasks and conducting assessment management. During the assessment process, the amount of migrant workers' wages can be determined in combination with the supervision videos because the foreman supervises and leads the migrant workers to work, so he has the best understanding of the work attendance situation of migrant workers. Generally, foremen on construction sites will determine the amount of migrant workers' wages according to their work attendance. The foreman can supervise the work situation of each migrant worker by viewing the supervision videos and determine the amount of their wages. In this way, the decision - making power of the foreman over wages is retained.

[0113] The present invention also provides a wage payment device, including:

[0114] A first receiving module, configured to receive the account application information of the receiving user and the receiving and paying user sent by the client, where the account application information of the receiving user and the account application information of the receiving and paying user are the account application information of the receiving user and the account application information of the receiving and paying user obtained by the client;

[0115] The account application information of the receiving user includes several pieces of real-name user information, and the real-name user information includes at least one of name, ID number, ID card photocopy, and bank card number. The account application information of the receiving and paying user includes at least one of enterprise name, unified social credit code, business license photocopy, corporate account information, name, ID number, ID card photocopy, and bank card number.

[0116] The first sending module is used to send the account application information of the receiving user and the receiving and paying user to the second server. The account application information of the receiving user and the receiving and paying user is used to trigger the second server to open a receiving electronic payment account for the receiving user and a receiving and paying electronic payment account for the receiving and paying user. The account application information is used to trigger 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. After the check is correct, the third server sends a successful check instruction to the second server, and the second server binds the electronic payment account with the bank card accounts of the receiving user and the receiving and paying user.

[0117] The second receiving module is used to receive the receivable amount and receivable attribute corresponding to the account of the receiving user and the receivable and payable attribute corresponding to the account of the receiving and paying user sent by the client and save them. The receivable amount and receivable attribute corresponding to the account of the receiving user and the receivable and payable attribute corresponding to the account of the receiving and paying user are the receivable amount and receivable attribute, and the receivable and payable attribute corresponding to the account of the receiving and paying user obtained by the client.

[0118] The receiving and paying chain establishment module is used to establish a receiving and paying chain according to the receivable attribute and the receivable and payable attribute. Each electronic payment account in the receiving and paying chain is a node. Calculate the receivable amount of each node and save it to the node information. Each node information includes the electronic payment account information of this node, the node information of the next node, and the receivable amount. There is a directed payment instruction between each node and its next node; the receivable and payable amount includes at least one of the receivable amount and the payable amount. The receivable and payable attribute includes at least one of the name of the receivable party and the name of the payable party; the receivable attribute includes:

[0119] The name of the receivable party.

[0120] The third receiving module is used to receive the payment request sent by the client. The payment request includes the node information of the node initiating the payment request and the payment amount.

[0121] The analysis module is used to analyze the information of the next node of the node initiating the payment request.

[0122] The division module is used to divide the payment amount according to the number of the next nodes and the receivable amount of each next node.

[0123] A transfer module, configured to complete the transfer between a node and the next node according to the directional payment instruction between the node and the next node;

[0124] A first judgment module, configured to judge whether the next node has completed the transfer, so as to analyze the information of the node after the next node after the transfer is completed, and complete the transfer again until the transfer of the node where the receiving user is located is completed;

[0125] A cash withdrawal or transfer request processing module, configured to, after receiving the transfer success information of the receiving user's receiving electronic payment account, receive the cash withdrawal request or transfer request of the receiving user sent by the client, and send the cash withdrawal request or transfer request to the second server, where the cash withdrawal request or transfer request is used to trigger the second server to complete the cash withdrawal of the receiving user's receiving electronic payment account or the transfer of the transfer receiving electronic payment account in the transfer request. The transfer request includes a transfer receiving electronic payment account, and the transfer receiving electronic payment account is an electronic payment account opened by the second server by transferring the user real-name information obtained from the client to the second server through the first server.

[0126] An information recording module, recording the transfer process of each step as transfer process information and saving it, where the transfer process information includes the completion time and amount of the transfer between nodes, and the payment and receipt chain composed of each node involved in the transfer process;

[0127] A viewing request receiving module, configured to receive the transfer process information viewing request sent by the client, and the information viewing request is the information viewing request obtained by the client;

[0128] A second sending module, configured to send the transfer process information to the client.

[0129] A second judgment module, configured to, when the payment amount is smaller than the receivable amount of the node that initiates the payment request, calculate the percentage a of the payment amount in the receivable amount of the node that initiates the payment request, and calculate the percentage a of the receivable amount on all nodes between the node that initiates the payment request and the node where the receiving user's account is located in the payment and receipt chain;

[0130] Perform the transfer at the percentage a of the receivable amount of each node. After judging that all nodes have completed the transfer, update the receivable amount of each node to the percentage 1-a of the original receivable amount, and save it as the new receivable amount in the node information of each node.

[0131] A video receiving module, configured to receive the supervision video sent by the video supervision client, and the supervision video is the supervision video obtained by the video supervision client;

[0132] A video storage module, configured to store the supervision video;

[0133] A video viewing request receiving module, configured to receive a video viewing request sent by a client, where the video viewing request is a video viewing request obtained by the client;

[0134] A video sending module, configured to send a stored supervision video to the client.

[0135] The above-mentioned each module is used in the platform, and each module can be implemented in whole or in part by software, hardware and their combination. The above-mentioned each module can be embedded in or independent of the processor in the computer device in the form of hardware, or stored in the memory of the computer device in the form of software, so as to facilitate the processor to call and execute the operations corresponding to the above-mentioned each module.

[0136] The present invention also provides a computer device, which can be a server, and its internal structure diagram can be as Figure 3 shown. The computer device includes a processor, a memory, a network interface and a database connected through a system bus.

[0137] Wherein, the processor of the computer device is used 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, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store data such as the amount receivable and payable, the attributes of receivables and payables, the amount receivable, and the attributes of receivables of each user.

[0138] The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, it implements a salary payment method.

[0139] Those skilled in the art can understand that Figure 3 the structure shown in

[0140] is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine some components, or have different component arrangements.

[0141] Receive the account application information of the receiving user and the receiving and paying user sent by the client, where the account application information of the receiving user and the account application information of the receiving and paying user are the account application information of the receiving user and the account application information of the receiving and paying user obtained by the client;

[0142] Send the account application information of the payee user and the payer and payee user to the second server. The account application information of the payee user and the payer and payee user is used to trigger the second server to open a payee e-payment account for the payee user and a payer and payee e-payment account for the payer and payee user. The second server binds the e-payment account to the bank card accounts of the payee user and the payer and payee user;

[0143] Receive and save the receivable amount and receivable attribute corresponding to the payee user's account and the receivable and payable attribute corresponding to the payer and payee user's account sent by the client. The receivable amount and receivable attribute corresponding to the payee user's account and the receivable and payable attribute corresponding to the payer and payee user's account are the receivable amount and receivable attribute obtained by the client and the receivable and payable attribute corresponding to the payer and payee user's account;

[0144] Establish a payment and receipt chain according to the receivable attribute and the receivable and payable attribute. Each e-payment account in the payment and receipt chain is a node. Calculate the receivable amount of each node and save it to the node information. Each node information includes the e-payment account information of this node, the node information of the next node, and the receivable amount. There is a directional payment instruction between each node and its next node;

[0145] Receive the payment request sent by the client. The payment request includes the node information of the node initiating the payment request and the payment amount. The payment request is the payment request obtained by the client;

[0146] Analyze the information of the next node of the node where the payment request is initiated, divide the payment amount according to the number of the next nodes and the receivable amount of each next node, and complete the transfer between the node and the next node according to the directional payment instruction between the node and the next node;

[0147] After determining that the next node has received the transfer, analyze the information of the next next node and complete the transfer again until the transfer is completed at the node where the payee user is located;

[0148] After receiving the transfer success information of the payee user's payee e-payment account, receive the cash withdrawal request or transfer request of the payee user sent by the client, and send the cash withdrawal request or transfer request to the second server. The cash withdrawal request or transfer request is used to trigger the second server to complete the cash withdrawal of the payee user's payee e-payment account or the transfer to the transfer receiving e-payment account in the transfer request.

[0149] The transfer request includes a transfer receiving e-payment account. The transfer receiving e-payment account is an e-payment account opened by the second server by transmitting the user real-name information obtained from the client to the second server through the first server. The cash withdrawal request enables the payee user to transfer cash into the bank card bound to the payee user's payee e-payment account.

[0150] The specific process is prior art and will only be briefly explained here: The receiving user can initiate a cash withdrawal or transfer request to the first server through the client at any time. The first server sends the cash withdrawal or transfer request to the second server. After receiving the request, the second server gives a verification request instruction for the cash withdrawal or transfer request to the receiving user. After the receiving user sends a confirmation cash withdrawal or transfer instruction through the client and sends it to the second server through the first server in sequence, the second server performs the transfer or cash withdrawal after verification.

[0151] Record the transfer process of each step as transfer process information and save it. The transfer process information includes the completion time and amount of the transfer between nodes, and the payment and receipt chain composed of each node involved in the transfer process.

[0152] Receive the transfer process information viewing request sent by the client. The information viewing request is the information viewing request obtained by the client.

[0153] Send the transfer process information to the client.

[0154] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above methods. Among them, any reference to a memory, storage, database, or other medium used in the various embodiments provided in this application can include non-volatile and / or volatile memories. Non-volatile memories can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memories can include

[0155] random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDR SDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), Rambus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and Rambus dynamic RAM (RDRAM), etc.

[0156] The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as the scope described in this specification.

[0157] The above are the embodiments of the present invention. Therefore, the patent scope of the present invention is not limited thereby. Any equivalent structure or equivalent process transformation made by using the specification and drawings of the present invention, or directly or indirectly applied in other related technical fields, shall be equally included in the patent protection scope of the present invention.

Claims

1. A salary payment method, characterized in that, For use in a first server, the method includes: S1. Receiving account application information of a collection user and a payee-payer user sent by a client, where the account application information of the collection user and the account application information of the payee-payer user are the account application information of the collection user and the account application information of the payee-payer user obtained by the client; S2. Sending the account application information of the collection user and the account application information of the payee-payer user to a second server, where the account application information of the collection user and the account application information of the payee-payer user are used to trigger the second server to open a collection e-payment account for the collection user and open a payee-payer e-payment account for the payee-payer user. The second server sends the collection e-payment account, the payee-payer e-payment account, and the corresponding account application information of both to a third server. The collection e-payment account, the payee-payer e-payment account, and the corresponding account application information of both are used to trigger the third server to check the application account information against the information pre-stored in the third server. After successful verification, the third server sends a verification success instruction to the second server, and the second server binds the collection e-payment account with the bank card account of the collection user and binds the payee-payer e-payment account with the bank card account of the payee-payer user; S3. Receiving the receivable amount and receivable attribute corresponding to the account of the collection user and the receivable-payable attribute corresponding to the account of the payee-payer user sent by the client and saving them. The receivable amount and receivable attribute corresponding to the account of the collection user and the receivable-payable attribute corresponding to the account of the payee-payer user are the receivable amount and receivable attribute obtained by the client and the receivable-payable attribute corresponding to the account of the payee-payer user; S4. Establishing a payment and collection chain according to the receivable attribute and the receivable-payable attribute. Each e-payment account in the payment and collection chain is a node. Calculate the receivable amount of each node and save it to the node information. Each node information includes the e-payment account information of this node, the node information of the next node, and the receivable amount. There is a directed payment instruction between each node and its next node; S5. Receiving a payment request sent by the client, where the payment request includes the node information of the node initiating the payment request and the payment amount. The payment request is the payment request obtained by the client; S6. Analyzing the information of the next node of the node initiating the payment request, dividing the payment amount according to the number of the next nodes and the receivable amount of each next node, and completing the transfer between the node and the next node according to the directed payment instruction between the node and the next node; S7. After determining that the next node has received the transfer, analyzing the information of the next-next node and completing the transfer again until the transfer is completed at the node where the collection user is located; S8.After receiving the transfer success information of the recipient user's receipt electronic payment account, receive the withdrawal request or transfer request of the recipient user sent by the receiving client, and send the withdrawal request or transfer request to the second server. The withdrawal request or transfer request is used to trigger the second server to complete the withdrawal of the recipient user's receipt electronic payment account or the transfer of the transfer receiving electronic payment account in the transfer request; S9. Record each step of the transfer process as transfer process information and save it. The transfer process information includes the completion time and amount of the transfer between nodes, and the payment and receipt chain composed of each node involved in the transfer process; S10. Receive the transfer process information viewing request sent by the client. The information viewing request is the information viewing request obtained by the client; S11. Send the transfer process information to the client;. In step S1, the account application information of the receiving user includes several pieces of user real-name information, and the user real-name information includes at least one of name, ID number, ID photocopy, and bank card number. The account application information of the receiving and paying user includes at least one of enterprise name, unified social credit code, business license photocopy, corporate account information, name, ID number, ID photocopy, and bank card number; In step S2, after the second server opens a receiving e-payment account for the receiving user and a receiving and paying e-payment account for the receiving and paying user, before the second server binds the e-payment account to the bank card account, it further includes: the account application information is used to trigger the second server to send the account application information to the third server. The third server checks the account information against the bank card information pre-stored in the third server. After the check is correct, the third server sends a check success instruction to the second server; In step S3, the receivable and payable amount includes at least one of receivable amount and payable amount, and the receivable and payable attribute includes at least one of name of the receivable party and name of the payable party; the receivable attribute includes name of the receivable party; Receive the supervision video sent by the video supervision client, where the supervision video is the supervision video obtained by the video supervision client; store the supervision video; receive the video viewing request sent by the client, where the video viewing request is the video viewing request obtained by the client; send the stored supervision video to the client.

2. The salary payment method according to claim 1, characterized in that, Analyze the information of the next node of the payment request initiation node, and divide the payment amount according to the number of the next nodes and the receivable amount of each next node. Specifically, it further includes: when it is determined that the payment amount is smaller than the receivable amount of the node that initiates the payment request, calculate the percentage a of the payment amount in the receivable amount of the node that initiates the payment request, and calculate the percentage a of the receivable amount on all nodes between the node that initiates the payment request and the node where the receiving user's account is located in the payment and receipt chain; transfer the funds according to the percentage a of the receivable amount of each node. After it is determined that all nodes have completed the transfer, update the receivable amount of each node to the percentage 1 - a of the original receivable amount, and save it as the new receivable amount in the node information of each node.

3. A salary payment device for the salary payment method as described in claim 1, characterized in that, The device includes: a first receiving module, configured to receive the account application information of the payee user and the payer-payee user sent by the client, where the account application information of the payee user and the payer-payee user are the account application information of the payee user and the payer-payee user obtained by the client; a first sending module, configured to send the account application information of the payee user and the payer-payee user to the second server, where the account application information of the payee user and the payer-payee user are used to trigger the second server to open a payment e-payment account for the payee user and a payer-payee e-payment account for the payer-payee user, and the second server sends the payment e-payment account, the payer-payee e-payment account, and the corresponding account application information of both to the third server, where the payment e-payment account, the payer-payee e-payment account, and the corresponding account application information of both are used to trigger the third server to check the application account information with the information pre-stored in the third server. After successful verification, the third server sends a successful verification instruction to the second server, and the second server binds the payment e-payment account with the bank card account of the payee user and binds the payer-payee e-payment account with the bank card account of the payer-payee user; a second receiving module, configured to receive and save the receivable amount and receivable attribute corresponding to the account of the payee user and the receivable and payable attribute corresponding to the account of the payer-payee user sent by the client, where the receivable amount and receivable attribute corresponding to the account of the payee user and the receivable and payable attribute corresponding to the account of the payer-payee user are the receivable amount and receivable attribute, and the receivable and payable attribute corresponding to the account of the payer-payee user obtained by the client; a payment and collection chain establishment module, configured to establish a payment and collection chain according to the receivable attribute and the receivable and payable attribute, where each e-payment account in the payment and collection chain is a node, calculate the receivable amount of each node and save it to the node information, and each node information includes the e-payment account information of this node, the node information of the next node, and the receivable amount, and there is a directional payment instruction between each node and its next node; a third receiving module, configured to receive the payment request sent by the client, where the payment request includes the node information of the node initiating the payment request and the payment amount; an analysis module, configured to analyze the information of the next node of the node initiating the payment request; a division module, configured to divide the payment amount according to the number of the next nodes and the receivable amount of each next node; a transfer module, configured to complete the transfer between the node and the next node according to the directional payment instruction between the node and the next node; a first judgment module, configured to judge whether the next node has completed the transfer, so as to analyze the information of the next next node after the transfer is completed and complete the transfer again until the node where the payee user is located has completed the transfer;A cash withdrawal or transfer request processing module, which is used to receive the cash withdrawal request or transfer request sent by the client after receiving the transfer success information of the receiving user's receiving electronic payment account, and send the cash withdrawal request or transfer request to the second server. The cash withdrawal request or transfer request is used to trigger the second server to complete the cash withdrawal of the receiving user's receiving electronic payment account or the transfer of the transfer receiving electronic payment account in the transfer request; an information recording module, which records each step of the transfer process as transfer process information and saves it. The transfer process information includes the completion time and amount of the transfer between nodes, and the payment and receipt chain composed of each node involved in the transfer process; a viewing request receiving module, which is used to receive the transfer process information viewing request sent by the client. The information viewing request is the information viewing request obtained by the client; a second sending module, which is used to send 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, When the processor executes the computer program, it implements the steps of the method described in claim 1.

5. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by the processor, it implements the steps of the method described in claim 1.

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