Finance and taxation treasury and banking clearing front-end system

Abstract

The present invention provides a taxation, treasury and bank clearing front-end system, including management desk functions and online transaction functions; management desk functions include institution management, role management, user management, authority management, log management, homepage reminder module, parameter management, clearing management, batch processing and report query management; online transaction functions include account information query, account bookkeeping processing, account reversal processing, clearing account balance query, batch task management, account flow query, treasury remittance failure resend and payment reconciliation processing. The present invention greatly reduces the difficulty of village banks accessing taxation, treasury and bank, reduces investment costs, realizes real-time account processing through non-agent clearing mode, and accelerates fund clearing efficiency; through digital signature technology, solves the problem of cross-institutional communication security.

Description

Technical Field

[0001] The present invention relates to the technical field of finance, taxation, treasury and banking, and in particular to a finance, taxation, treasury and banking clearing front-end system. Background Art

[0002] Finance, Taxation, Treasury and Banking is the abbreviation of the Finance, Taxation, Treasury and Banking Horizontal Networking System. The Finance, Taxation, Treasury and Banking Horizontal Networking System is the abbreviation of the electronic tax payment system jointly built by the People's Bank of China, the Ministry of Finance, the State Administration of Taxation, the People's Bank of China Treasury, various commercial banks, Hainan UnionPay and other banking and financial institutions. This system uses information network technology to handle tax revenue collection, warehousing, refund, correction, exemption, adjustment, reconciliation and other businesses through an electronic network system. Taxes are directly paid into the treasury, and tax collection information is shared. The business processing system allows taxpayers to pay taxes without leaving home. The Finance, Taxation, Treasury and Banking Horizontal Networking System provides taxpayers with convenient and fast services.

[0003] A patent document with publication number CN104112227A discloses an online UnionPay tax payment method, which includes an online declaration system, a UnionPay system, a finance and taxation treasury and banking system, a tax collection and management system and a bank. The specific implementation steps are: in the online declaration system, the tax collection and management system interface is called to obtain an external declaration number; the online declaration system organizes the user's tax payment information into a bill payment message and sends it to UnionPay Online through the user's browser; the user enters relevant transaction information on the UnionPay Online payment page; and UnionPay Online jumps the tax payment result to the page of the online declaration system through the user's browser.

[0004] By handling finance, taxation, treasury and banking business, village banks can provide taxpayers with more convenient and efficient tax services, enhance the market competitiveness of village banks, and meet the tax payment needs of major customers, especially important corporate customers. Due to the gradual tightening of the People's Bank of China's regulatory policies, some small and medium-sized village banks are unable to obtain the qualifications for direct access to the finance, taxation, treasury and banking systems. If they access through agents, they can use agent settlement or non-agent clearing mode, but the implementation methods of the systems of various agent banks are inconsistent and vary greatly, making docking difficult and not easy to pass the approval of the People's Bank of China.

[0005] Therefore, it is necessary to propose a technical solution to improve the above technical problems. Summary of the invention

[0006] In view of the defects in the prior art, the purpose of the present invention is to provide a fiscal and tax treasury and banking clearing front system.

[0007] A fiscal and taxation treasury and banking clearing front-end system provided by the present invention includes a management desk function and an online transaction function;

[0008] The management desk function manages the system's organizations, personnel, roles and system-related parameters, including adding, deleting, updating, querying and reviewing; the management desk function enables related business reports, including transaction flow query and report statistics;

[0009] The management console functions include organization management, role management, user management, authority management, log management, home page reminders, parameter management, liquidation management, batch processing and report query management;

[0010] The organization management system maintains the information of each legal person organization, including organization code, legal person affiliation, region code, organization code and organizational superior-subordinate relationship; the user management system maintains the user information of each legal person, including login name, user name, and affiliated organization, and performs operations such as adding, modifying, deleting, querying and resetting passwords; the role management system maintains the role information used by each legal person, and the role permissions are set according to the function menu and the function points in the menu;

[0011] The online transaction functions include account information inquiry, account bookkeeping processing, account reversal processing, clearing account balance inquiry, batch task management, account flow inquiry, treasury remittance failure resending and payment reconciliation processing;

[0012] The account information query queries and verifies the three-party contract account information or the bank-side payment account information; the account accounting processing performs account processing on bank-side payment, real-time tax deduction and batch tax deduction; the account reversal processing performs reversal processing on bank-side payment, real-time tax deduction and batch tax deduction; the clearing account balance query queries the balance of the special account of finance, taxation, treasury and banking; the batch task management schedules each batch processing of the system, including batch execution and failed re-run.

[0013] Preferably, the organization management is controlled through system management organization management, including filling in and maintaining basic information, geographic information, establishment information, management information and regulatory requirement information. The management information describes the management superior of the newly added organization, and the organization information can be added, viewed, modified and deleted.

[0014] Preferably, the role management sets system role information, including basic information of the role and users corresponding to the management role; role management is controlled by system management role management, and roles are added, edited and deleted; role name, role type, role status and role description are required when editing users; role types include general roles and management roles; role status includes normal status and locked status.

[0015] Preferably, the user management sets system user information, including the user's basic information and management of the role to which the user belongs; this is achieved through system management user management; when adding a new user, the user name, organization to which they belong, and login name are entered, and the user can be edited and deleted at the same time; when managing users, the role of the current user can be viewed, as well as roles can be assigned to the current user and the role of the current user can be deleted.

[0016] Preferably, the authority management allocates authority to the roles that have been added;

[0017] The log management queries log information, including operation log query and system log query;

[0018] The home page reminder module performs statistical display on the parameter information to be reviewed, the batch processing failure information and the transaction information requiring attention.

[0019] Preferably, the parameter management mainly includes system working day status management and member bank management, including bank information management, system status management, bank institution management, virtual parameter management, communication parameter management, clearing account management and authority configuration management;

[0020] The bank information management and system status management belong to the system parameter class and are used to set the system transaction date, the next transaction date, the current transaction date and the system status;

[0021] The bank institution management manages the member banks connected to the Rural Credit Bank system; the virtual parameter management manages the virtual institutions and virtual tellers of the cooperative banks; the communication parameter management manages the core communication address, port, and timeout period of the cooperative banks; the clearing account management manages the clearing account opened by the cooperative banks in the core, which is used to record the incurred taxes to the designated account; the authority configuration management is used to configure the transaction authority of the cooperative banks. Only when the corresponding transaction authority is configured can the cooperative banks conduct the transaction.

[0022] Preferably, the clearing management performs balance inquiries on the clearing accounts opened by the participating banks in the core; the operator manually initiates transactions to inquire about the balance of the clearing account.

[0023] Preferably, the batch processing includes daily cutting processing and account reconciliation processing;

[0024] The system performs day-switching processing, switching from the current trading date to the next trading date;

[0025] The reconciliation process compares the transaction flow of the previous transaction date with the core account flow to further ensure that the system accounts are correct.

[0026] Preferably, the report query management queries the information in the system, mainly accounting message query, reversal message query, and account query message query.

[0027] Preferably, the account information query mainly queries whether the account exists and returns the account certificate and the opening bank information; the account accounting processing is to register the transaction flow according to the accounting request, initiate the accounting request to the accounting core, and register the accounting information; the account reconciliation processing is to register the reconciliation flow according to the reconciliation request, check the original business, initiate the reconciliation request to the accounting core after passing, and register the reconciliation information; the clearing account balance query mainly queries the core public collection account balance information; batch task management is the batch task initiation execution or re-execution; account flow query mainly queries the automatic reconciliation accounting flow information; treasury remittance failure retransmission mainly re-initiates the fund transfer request to the treasury; payment reconciliation processing is to register the payment reconciliation flow and initiate the fund transfer request to the treasury.

[0028] Compared with the prior art, the present invention has the following beneficial effects:

[0029] 1. The present invention can greatly reduce the difficulty of village banks accessing the finance, taxation, treasury and banking systems, reduce investment costs, and achieve real-time processing of accounts through a non-agent clearing model, thereby accelerating the efficiency of fund clearing;

[0030] 2. The present invention uses the Rural Credit Bank Funds Clearing Center as an agent to access the People's Bank of China's horizontal network system of finance, taxation, treasury and banking. It is necessary to verify the tax payment customer information and clear the funds to realize the business process of transferring the customer's tax payment funds to the treasury;

[0031] 3. The present invention realizes the clearing business of financial treasury and bank business through the front-end system of the Rural Credit Bank's agency for taxation, treasury and bank clearing through an external encapsulation interface, providing functions such as account information query, fund deduction, business correction, system reconciliation, etc.;

[0032] 4. The present invention solves the problem of cross-institutional communication security through digital signature technology. Based on the CAP4C and CAP4J platforms, the B / S and C / S hybrid architecture is used to implement the clearing business of the Rural Credit Bank. The management console implements parameter and report data configuration and batch processing scheduling, and online transactions realize the response to external and internal business requests.

[0033] 5. The present invention realizes the automated processing and intelligent early warning of various businesses through automated process configuration, which reduces the difficulty of business personnel participating in the management of finance, taxation, treasury and banking businesses to a certain extent. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] Other features, objects and advantages of the present invention will become more apparent from the detailed description of non-limiting embodiments made with reference to the following drawings:

[0035] Figure 1 It is a system association diagram of the present invention;

[0036] Figure 2This is a diagram of the logical architecture of the system of the present invention;

[0037] Figure 3 A flow chart for signing a tripartite agreement for the present invention;

[0038] Figure 4 This is a real-time tax deduction flow chart of the present invention;

[0039] Figure 5 This is a batch tax deduction flow chart of the present invention;

[0040] Figure 6 This is a flow chart of bank-side payment according to the present invention. DETAILED DESCRIPTION

[0041] The present invention is described in detail below in conjunction with specific embodiments. The following embodiments will help those skilled in the art to further understand the present invention, but are not intended to limit the present invention in any form. It should be noted that, for those of ordinary skill in the art, several changes and improvements can also be made without departing from the concept of the present invention. These all belong to the protection scope of the present invention.

[0042] Reference Figure 1 and Figure 2 The present invention provides a fiscal and taxation treasury and banking clearing front-end system, including a management desk function and an online transaction function; the management desk function is mainly to realize the management of the system's institutions, personnel, roles and system-related parameters, including adding, deleting, updating, querying, and reviewing. In addition, the management desk function also realizes the relevant business report functions, including transaction flow query, report statistics, etc.

[0043] The online trading function is mainly used to realize the system clearing business functions, including transaction permission access, message analysis, signature verification, account query, account bookkeeping, etc. In addition, the online trading function also integrates general functions such as batch processing scheduling and execution to realize the system's daily switching, data backup, log cleaning and end-of-day reconciliation functions.

[0044] The management desk functions include organization management, role management, user management, permission management, log management, home page reminders, parameter management, liquidation management, batch processing and report query management.

[0045] Organization management: Maintain the information of each legal entity in the system, including organization code, legal entity affiliation, region code, organization code and the hierarchical relationship between organizations.

[0046] User management: Maintain the information of each legal person user in the system, including login name, user name, and affiliated organization, and perform operations such as adding, modifying, deleting, querying, and resetting passwords.

[0047] Role management: Maintain the role information used by each legal person in the system. Role permissions are set according to the function menu and the function points in the menu. Through the configuration of the role, permission control under the role is realized.

[0048] Permission management: Assign role permissions to users, display permission information of all users by default, and provide editing and query functions.

[0049] Log management: realize the configuration of system menu, security policy and audit log. The link configuration of each visible menu of the management console is realized through the system menu, the complexity and validity period of the password are configured through the security policy, and the operation log of the management console is recorded through the audit log.

[0050] Home page reminder: realize the reminder function of various business functions of the system, including the transaction records to be reviewed, the number of account verification transactions, the number of deduction transactions on the day, the number of deduction transactions yesterday, the number of failed treasury remittances, etc. It is used to remind the current user of the to-do items.

[0051] Parameter management: realize the configuration management of various transaction parameters of the system, including bank information, bank institution information, system status, clearing account, virtual parameters, batch configuration, system parameter management, etc. Through parameter management, various parameters can be flexibly configured to support the normal operation of business processes.

[0052] Clearing management: Clearing management mainly enables the system to query the balance of clearing accounts and resend treasury funds.

[0053] Batch processing: Batch processing is mainly used to realize the system's end-of-day status switching and reconciliation functions.

[0054] Report query management: Report query management is mainly used to realize various business transaction flow queries and statistical reports, including account information query, transaction information query, reversal information query, reconciliation information query, payment flow query, daily transaction summary report, push information query and other functions.

[0055] Online transaction functions include account information inquiry, account bookkeeping processing, account reversal processing, clearing account balance inquiry, batch task management, account flow inquiry, failed treasury remittance resending and payment reconciliation processing.

[0056] Account information query: realize the query and verification function of the three-party contract account information or bank payment account information.

[0057] Account bookkeeping processing: realize the account processing of bank payment, real-time tax deduction and batch tax deduction, and realize the function of aggregating customer accounts into special accounts of finance, taxation, treasury and banking in the accounting core.

[0058] Account reversal processing: realize account reversal processing for bank payments, real-time tax deductions and batch tax deductions.

[0059] Balance inquiry of clearing account: realize the balance inquiry function of special accounts of finance, taxation, treasury and banking.

[0060] Batch task management: implement the scheduling of each batch processing of the system, including batch execution, re-running after failure, etc.

[0061] Accounting transaction query: realize the query of system accounting transaction.

[0062] Resend after failed treasury remittance: realize the business acceptance of re-initiating a remittance request to the treasury after a failed treasury remittance.

[0063] Payment reconciliation processing: realize the system's automated reconciliation and fund transfer, and complete the remittance function from the special accounts of finance, taxation, treasury and banking to the affiliated treasury.

[0064] Reference Figure 3 and Figure 4 Institution management is mainly controlled through system management, which mainly involves filling in and maintaining basic information, geographic information, establishment information, management information, and regulatory requirements information. Management information indicates the management superior of the newly added institution. Institution information can be added, viewed, modified, and deleted.

[0065] Role management sets system role information, including basic information of roles, users corresponding to management roles, etc. Role management is controlled through system management role management, and roles can be added, edited, and deleted. When editing a user, you need to use information such as role name, role type, role status, and role description. Role types include general roles and management roles; role status includes normal status and locked status.

[0066] User management sets system user information, including basic user information and manages the roles to which the user belongs. This function is implemented through system management user management. When adding a new user, enter the user name, organization, login name and other information, and you can edit and delete the user. When managing users, you can view the role of the current user, assign roles to the current user, and delete the current user's role.

[0067] Permission management is mainly about allocating permissions to the roles that have been added.

[0068] Log management can query log information, including operation log query and system log query.

[0069] The home page reminder module mainly displays statistics on parameter information to be reviewed, batch failure information, and transaction information that requires attention.

[0070] Parameter management mainly involves system working day status management and member bank management, including bank information management, system status management, bank institution management, virtual parameter management, communication parameter management, clearing account management and authority configuration management.

[0071] Bank information management and system status management belong to the system parameter category and are used to set the system transaction date, next transaction date, current transaction date and system status.

[0072] Reference Figure 5 and Figure 6 , bank institution management mainly manages the member banks connected to the Rural Credit Bank system; virtual parameter management mainly manages the virtual institutions and virtual tellers of the cooperative banks; communication parameter management mainly manages the core communication address, port, timeout time, etc. of the cooperative banks; clearing account management mainly manages the clearing accounts opened by the cooperative banks in the core, which are mainly used to record the taxes incurred to the designated account; authority configuration management is mainly used to configure the transaction authority of the cooperative banks. Only when the corresponding transaction authority is configured can the cooperative bank conduct the transaction.

[0073] Clearing management mainly involves balance inquiries on the clearing accounts opened by participating banks in the core. Operators can manually initiate transactions to inquire about the balance of clearing accounts.

[0074] Batch processing includes daily cut processing and reconciliation processing; the system performs daily cut processing, switching from the current transaction date to the next transaction date. This module can be initiated automatically or manually; reconciliation processing mainly checks the transaction flow of the previous transaction date with the core account flow to further ensure the correctness of the system account.

[0075] Report query management mainly queries the information in the system, mainly accounting message query, reversal message query, account query message query, etc.

[0076] Online transaction functions include account information inquiry, account bookkeeping processing, account reversal processing, clearing account balance inquiry, batch task management, account flow inquiry, failed treasury remittance resending and payment reconciliation processing.

[0077] Account information query mainly queries whether the account exists and returns information such as account certificate and bank of account opening; account accounting processing is to register transaction flow according to accounting request, initiate accounting request to the accounting core, and register accounting information; account reversal processing is to register reversal flow according to reversal request, check the original business, initiate reversal request to the accounting core after passing, and register reversal information; clearing account balance query mainly queries the core public collection account balance information; batch task management is to initiate or re-execute batch tasks; account flow query mainly queries automatic reconciliation accounting flow information; treasury remittance failure retransmission mainly re-initiates fund transfer request to the treasury; payment reconciliation processing is to register payment reconciliation flow and initiate fund transfer request to the treasury.

[0078] The present invention can greatly reduce the difficulty of village banks accessing the finance, taxation, treasury and banking system, reduce the investment cost, realize real-time processing of accounts through a non-agent clearing mode, and accelerate the efficiency of fund clearing; customers who access the horizontal networking system of the finance, taxation, treasury and banking of the People's Bank of China through the agency of the Rural Credit Bank Fund Clearing Center need to verify the tax payment customer information and clear funds, so as to realize the business process of transferring the customer's tax payment funds to the national treasury; the Rural Credit Bank agency finance, taxation, treasury and banking clearing front-end system provides account information query, fund deduction, business reconciliation, system reconciliation and other functions through an external encapsulation interface, so as to realize the clearing business of the finance, treasury and banking business; the digital signature technology is used to solve the problem of cross-institutional communication security, based on the CAP4C and CAP4J platforms, the B / S and C / S hybrid architecture is adopted to realize the clearing business of the Rural Credit Bank, the management console realizes the configuration of parameters and report data and batch processing scheduling, and the online transaction realizes the response to external and internal business requests.

[0079] Those skilled in the art know that, in addition to realizing the system and its various devices, modules, and units provided by the present invention in a purely computer-readable program code, it is entirely possible to realize the same functions in the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, the system and its various devices, modules, and units provided by the present invention can be considered as a hardware component, and the devices, modules, and units included therein for realizing various functions can also be regarded as structures within the hardware component; the devices, modules, and units for realizing various functions can also be regarded as both software modules for realizing the method and structures within the hardware component.

[0080] The above describes the specific embodiments of the present invention. It should be understood that the present invention is not limited to the above specific embodiments, and those skilled in the art can make various changes or modifications within the scope of the claims, which does not affect the essence of the present invention. In the absence of conflict, the embodiments of the present application and the features in the embodiments can be combined with each other arbitrarily.

Claims

1. A fiscal and taxation treasury and banking clearing front-end system, characterized in that: Includes management desk functions and online transaction functions; The management desk function manages the system's organizations, personnel, roles and system-related parameters, including adding, deleting, updating, querying and reviewing; the management desk function enables related business reports, including transaction flow query and report statistics; The management console functions include organization management, role management, user management, authority management, log management, home page reminders, parameter management, liquidation management, batch processing and report query management; The organization management system maintains the information of each legal person organization, including organization code, legal person affiliation, region code, organization code and organizational superior-subordinate relationship; the user management system maintains the user information of each legal person, including login name, user name, and affiliated organization, and performs operations such as adding, modifying, deleting, querying and resetting passwords; the role management system maintains the role information used by each legal person, and the role permissions are set according to the function menu and the function points in the menu; The online transaction functions include account information inquiry, account bookkeeping processing, account reversal processing, clearing account balance inquiry, batch task management, account flow inquiry, treasury remittance failure resending and payment reconciliation processing; The account information query queries and verifies the three-party contract account information or the bank-side payment account information; the account bookkeeping process performs account processing on bank-side payment, real-time tax deduction and batch tax deduction; the account reversal process performs reversal processing on bank-side payment, real-time tax deduction and batch tax deduction; the clearing account balance query performs balance query on the special account of finance, taxation, treasury and bank; the batch task management schedules each batch processing of the system, including batch execution and re-running upon failure; The role management sets the system role information, including the basic information of the role and the user corresponding to the management role; the role management is controlled by the system management role management, and the roles are added, edited and deleted; when editing a user, the role name, role type, role status and role description are required; the role type includes general role and management role; the role status includes normal status and locked status; The user management sets the system user information, including the user's basic information and the management of the role to which the user belongs; this is achieved through system management user management; when adding a new user, enter the user name, organization, and login name, and edit and delete the user at the same time; when managing users, view the role of the current user, assign a role to the current user, and delete the role of the current user; The parameter management is mainly system working day status management and member bank management, including bank information management, system status management, bank institution management, virtual parameter management, communication parameter management, clearing account management and authority configuration management; The bank information management and system status management belong to the system parameter class and are used to set the system transaction date, the next transaction date, the current transaction date and the system status; The bank institution management manages the member banks connected to the Rural Credit Bank system; the virtual parameter management manages the virtual institutions and virtual tellers of the cooperative banks; the communication parameter management manages the core communication address, port, and timeout period of the cooperative banks; Clearing account management manages the clearing accounts opened by the partner banks in the core, which are used to record the taxes incurred to the designated accounts; Permission configuration management is used to configure the transaction permissions of the partner bank. Only when the corresponding transaction permissions are configured can the partner bank conduct the transaction; The batch processing includes daily cutting processing and reconciliation processing; The system performs day-switching processing, switching from the current trading date to the next trading date; Reconciliation processing checks the transaction flow of the previous transaction date with the core account flow to further ensure that the system account is correct; The account information query mainly queries whether the account exists and returns the account certificate and the account opening bank information; the account bookkeeping process is to register the transaction flow according to the bookkeeping request, initiate the bookkeeping request to the accounting core, and register the bookkeeping information; Account reversal processing is to register the reversal flow according to the reversal request, check the original business, initiate the reversal request to the accounting core after approval, and register the reversal information; clearing account balance query mainly queries the core public collection account balance information; Batch task management is to initiate or re-execute batch tasks; account flow query mainly queries automatic reconciliation accounting flow information; treasury remittance failure retransmission mainly re-initiates fund transfer request to the treasury; payment reconciliation processing is to register payment reconciliation flow and initiate fund transfer request to the treasury.

2. The fiscal and taxation treasury and banking clearing front-end system according to claim 1 is characterized in that: The organization management is controlled through the system management organization management, including filling in and maintaining basic information, geographic information, establishment information, management information and regulatory requirements information. The management information describes the management superiors of the newly added organization, and the organization information can be added, viewed, modified and deleted.

3. The fiscal and taxation treasury and banking clearing front-end system according to claim 1 is characterized in that: The authority management allocates authority to the roles that have been added; The log management queries log information, including operation log query and system log query; The home page reminder displays statistics on parameter information to be reviewed, batch processing failure information, and transaction information that requires attention.

4. The fiscal and taxation treasury and banking clearing front-end system according to claim 1 is characterized in that: Clearing management conducts balance inquiries on the clearing accounts opened by participating banks in the core; transactions manually initiated by operators query the balance of clearing accounts.

5. The fiscal and taxation treasury and banking clearing front-end system according to claim 1 is characterized in that: The report query management queries the information in the system, mainly accounting message query, reversal message query, and account query message query.

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