Annuity transfer payment processing method, device and electronic equipment

Abstract

The embodiments of the present invention provide a method, device and electronic device for processing annuity transfer payments. The above method includes: obtaining the transfer payment application of the annuity plan uploaded by the operating node; verifying the transfer payment application according to the first smart contract, and generating transfer payment data if the verification passes; when the management node determines that the corresponding management personnel has changed, obtaining the billing data generated after the management personnel has changed; wherein, the management personnel corresponding to the account management node is the account manager, and the management personnel corresponding to the trustee node is the trustee; performing transfer payment processing according to the billing data to obtain the transfer payment result. The above scheme can increase the automated processing flow of annuity transfer payments based on blockchain technology, improve data flow efficiency, ensure the accuracy of data during data flow, and improve customer satisfaction.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, device and electronic equipment for processing annuity transfer payments. Background Art

[0002] Transfer payment refers to the action of transferring payment when the annuity plan changes the manager information and transfers the annuity fund assets from the old manager to the new manager.

[0003] Currently, the transaction process is complex due to the complexities of the transfer and payment process and the differentiation of manager roles. This leads to frequent interactions between the various parties involved, untimely information exchange, and low business efficiency. Each manager maintains their own data, resulting in high operating costs. Furthermore, data can vary over time, creating a lack of transparency among managers and making data verification difficult.

[0004] Transfer payment may be in the following situations depending on the change of administrator:

[0005] The first type: Only the trustee changes, and the business process is as follows:

[0006] Payment application entry, pending branch / head office business acceptance and review, payment receipt information entry, and completion.

[0007] Type 2: When changing the role to "trustee + investment management", the business process is as follows:

[0008] Payment application input, pending branch / head office business acceptance and review, payment receipt information input, pending transaction matching, and completion.

[0009] Type 3: When changing the role to "custodian", "custodian + investment management", "trustee + custodian" or "trustee + custodian + investment management", the business process is as follows:

[0010] Payment application input, pending branch / head office business acceptance and review, payment receipt information input, generation of receipt matching notification, pending transaction matching, completion.

[0011] Fourth: When changing the role to "Account Management," "Account Management + Investment Management," "Account Management + Custody," "Account Management + Custody + Investment Management," "Trustee + Account Management," "Trustee + Account Management + Investment Management," "Trustee + Account Management + Custody," or "Trustee + Account Management + Custody + Investment Management," the business process is as follows:

[0012] Payment application entry, pending branch / head office business acceptance and review, payment application to be sent, pending account management feedback, payment receipt information entry, generation of receipt matching notification, pending transaction matching, completed.

[0013] Based on the existing transfer and payment business process, different change roles, complex business processes, frequent interactions between managers of various parties, low operational efficiency, high operating costs, and the inability to meet the needs of rapid business development. Summary of the Invention

[0014] The present invention provides an annuity transfer payment processing method, device and electronic equipment, so as to solve to a certain extent the problem in the prior art that the transfer payment business process is complicated and the frequent interaction between managers of each party leads to low data flow efficiency.

[0015] In a first aspect of the present invention, a method for processing annuity transfer payments is provided, which is applied to a blockchain platform. The blockchain platform is deployed in a blockchain system. The blockchain system further includes: an operation node and a management node. The management node includes: at least one of an account management node and a trustee node. The method includes:

[0016] Obtain the transfer payment application of the annuity plan uploaded by the operation node;

[0017] Verify the transfer payment application according to the first smart contract, and generate transfer payment data if the verification passes;

[0018] When the management node determines that the corresponding management personnel has changed, obtaining billing data generated based on the transferred payment data after the management personnel has changed; wherein the management personnel corresponding to the account management node is the account manager, and the management personnel corresponding to the trustee node is the trustee;

[0019] The transfer payment process is performed according to the bill data to obtain the transfer payment result.

[0020] Optionally, in the case where the management node includes an account management node, the bill data includes: payment bill data;

[0021] Wherein, when the management node determines that the corresponding management personnel has been changed, obtaining the bill data generated according to the transferred payment data after the management personnel has been changed includes:

[0022] When the account management node determines that the account keeper has changed according to the transferred payment data, obtaining payment bill data generated by the account management node according to the transferred payment data;

[0023] The transfer payment processing is performed according to the bill data to obtain the transfer payment result, including:

[0024] Verifying the payment bill data according to the second smart contract, and saving the payment bill data if the verification passes;

[0025] The transfer payment process is performed according to the payment bill data to obtain the transfer payment result.

[0026] Optionally, in the case where the management node includes a trusted node, the billing data includes: payment notification instruction data;

[0027] The step of verifying the payment bill data according to the second smart contract and, if the verification passes, saving the payment bill data, and obtaining bill data generated based on the transferred payment data after the change of the corresponding manager when the management node determines that the corresponding manager has changed, includes:

[0028] When the entrusted node determines that the custodian has changed based on the payment bill data, obtaining the payment notification instruction data generated by the entrusted node based on the payment bill data;

[0029] The transfer payment processing is performed according to the payment bill data to obtain the transfer payment result, including:

[0030] Verifying the payment notification instruction data according to the third smart contract, and saving the payment notification instruction data if the verification passes;

[0031] The transfer payment process is performed according to the payment receipt notification instruction data to obtain the transfer payment result.

[0032] Optionally, performing transfer payment processing according to the payment receipt notification instruction data to obtain a transfer payment result includes:

[0033] After the operating node pays the fee, the hosting node obtains the payment confirmation data generated based on the transfer payment data and the payment notification instruction data;

[0034] Verify the account arrival confirmation data according to the fourth smart contract, and save the account arrival confirmation data if the verification passes;

[0035] After the entrusted node obtains the account arrival confirmation data, obtaining a processing result obtained by the entrusted node after performing transfer payment processing according to the account arrival confirmation data;

[0036] The account arrival confirmation data is used to enable the account management node to enter the payment into the account according to the account arrival confirmation data.

[0037] Optionally, the first smart contract includes:

[0038] Verify whether the operation node that uploaded the annuity transfer payment application has the authority to process the annuity transfer payment business;

[0039] Verify whether there is investment offset or no investment offset;

[0040] Verify whether there are other annuity transfer payment businesses;

[0041] Verify whether the annuity transfer payment application is consistent with the preset enterprise basic information, employee basic information and / or annuity plan basic information.

[0042] Optionally, the second smart contract includes:

[0043] Verify whether the account management node has the authority to process the payment bill service;

[0044] Verify whether the payment bill data is consistent with the transferred payment data.

[0045] Optionally, the third smart contract includes:

[0046] Verify whether the entrusted node has the authority to process the payment notification instruction business;

[0047] Verify whether the payment receipt instruction data is consistent with the transfer payment data.

[0048] Optionally, the fourth smart contract includes:

[0049] Verify whether the custodian node has the authority to process the account arrival confirmation service;

[0050] Verify whether the account arrival confirmation data is consistent with the transfer payment data.

[0051] In a second aspect of the present invention, an annuity transfer payment processing device is provided, which is applied to a blockchain platform. The blockchain platform is deployed in a blockchain system. The blockchain system also includes: an operation node and a management node. The management node includes: at least one of an account management node and a trustee node. The device includes:

[0052] A first acquisition module is used to obtain the transfer payment application of the annuity plan uploaded by the operation node;

[0053] A first processing module is configured to verify the transfer payment application according to the first smart contract, and generate transfer payment data if the verification passes;

[0054] A second acquisition module is configured to, when the management node determines that the corresponding management personnel has changed, acquire billing data generated based on the transferred payment data after the management personnel has changed; wherein the management personnel corresponding to the account management node is the account manager, and the management personnel corresponding to the entrusted node is the trustee;

[0055] The second processing module is used to perform transfer payment processing according to the bill data to obtain a transfer payment result.

[0056] In a third aspect of the present invention, an electronic device is provided, comprising a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other via the communication bus;

[0057] Memory for storing computer programs;

[0058] The processor is used to implement the steps in the annuity transfer payment processing method as described above when executing the program stored in the memory.

[0059] In a fourth aspect of the present invention, a computer-readable storage medium is provided, on which a computer program is stored. When the program is executed by a processor, the annuity transfer payment processing method as described above is implemented.

[0060] Compared with the prior art, the present invention has the following advantages:

[0061] In the above embodiment of the present invention, the transfer payment application of the annuity plan uploaded by the operating node is obtained through the blockchain platform, and the transfer payment application is verified according to the first smart contract. If the verification is passed, the transfer payment data is generated. If the management node determines that the corresponding management personnel has changed, the billing data generated according to the transfer payment data after the management personnel has changed is obtained, wherein the management personnel corresponding to the account management node is the account manager, and the management personnel corresponding to the entrusted node is the trustee; and the transfer payment is processed according to the billing data to obtain the transfer payment result, thereby increasing the automated processing flow of annuity transfer payments based on blockchain technology, improving data flow efficiency, ensuring the accuracy of data during data flow, and improving customer satisfaction.

[0062] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are specifically listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0063] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for describing the embodiments.

[0064] Figure 1 This is a flow chart of a method for processing annuity transfer payments provided by an embodiment of the present invention;

[0065] Figure 2The second flowchart of the annuity transfer payment processing method provided by the embodiment of the present invention;

[0066] Figure 3 A block diagram of an annuity transfer payment processing device provided in an embodiment of the present invention;

[0067] Figure 4 A block diagram of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0068] The following will be combined with the drawings in the embodiments of this application to clearly and completely describe the technical solutions in the embodiments of this application. Obviously, the embodiments described are part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of this application.

[0069] The terms "first," "second," and the like in the specification and claims of this application are used to distinguish similar objects, and are not used to describe a specific order or precedence. It should be understood that the terms used in this manner are interchangeable where appropriate, so that the embodiments of this application can be implemented in an order other than that illustrated or described herein, and that the objects distinguished by "first," "second," and the like are generally of the same type, and do not limit the number of objects; for example, the first object can be one or more. In addition, the term "and / or" in the specification and claims refers to at least one of the connected objects, and the character " / " generally indicates that the objects connected are in an "or" relationship.

[0070] The embodiments of the present invention provide a method, device and electronic device for processing annuity transfer payments, which can avoid the problems in the prior art of complex transfer payment business processes and low data flow efficiency caused by frequent interactions between managers of various parties.

[0071] Specifically, such as Figure 1 As shown, an embodiment of the present invention provides an annuity transfer payment processing method, which is applied to a blockchain platform. The blockchain platform is deployed in a blockchain system. The blockchain system also includes: an operation node and a management node. The management node includes: at least one of an account management node and a trustee node. The method specifically includes:

[0072] Step 101: Obtain the transfer payment application of the annuity plan uploaded by the operation node.

[0073] Specifically, the operation node (such as enterprise operation personnel or enterprise handling personnel, etc.) submits a transfer payment application for the annuity plan to the blockchain platform, that is, the operation node uploads the transfer application to the chain, and the blockchain platform obtains the transfer payment application.

[0074] Step 102: Verify the transfer payment application according to the first smart contract, and generate transfer payment data if the verification passes.

[0075] Specifically, the blockchain platform verifies the transfer payment application through the first smart contract. If the verification fails, the operation node returns to the step where it submits the transfer payment application to the blockchain platform. If the verification succeeds, the blockchain platform generates transfer payment data based on the transfer payment application. If the entrusted node obtains the transfer payment data, the entrusted node adds a new transfer payment service.

[0076] Furthermore, the first smart contract may include the following four items:

[0077] The first item is to verify whether the operating node that uploaded the annuity transfer payment application is authorized to handle the annuity transfer payment service. This verifies whether the user is authorized to handle the annuity transfer payment service. If the user is authorized to handle the annuity transfer payment service, the verification passes.

[0078] The second item: Verify whether there is an investment offset or an investment offset without investment. That is, verify whether the user has an investment offset or an investment offset without investment. If not, the verification passes.

[0079] Item 3: Verify whether other annuity transfer payment services exist. This verifies whether the user who submitted the transfer payment application is currently performing other annuity transfer payment operations while performing the current annuity transfer payment operation, to prevent multiple operations from being performed simultaneously. If no other annuity transfer payment operations exist, the verification passes.

[0080] Item 4: Verify that the annuity transfer payment application is consistent with the preset basic enterprise information, employee basic information, and / or annuity plan basic information. This verifies that the annuity transfer payment application is consistent with the preset basic enterprise information, employee basic information, and / or annuity plan basic information. If they are consistent, the verification passes.

[0081] Among them, the data structure of the transferred payment data includes: business application number, plan code, payment amount, corporate payment, and personal payment.

[0082] Optionally, the data structure of the transferred payment data may also include at least one of the following: payment bill number, enterprise code, number of payers, payment bank, payment account number, payment bill provision date, administrator change role combination type ID, etc.

[0083] Step 103, when the management node determines that the corresponding management personnel has changed, obtain the bill data generated according to the transferred payment data after the management personnel has changed; wherein, the management personnel corresponding to the account management node is the account manager, and the management personnel corresponding to the entrusted node is the trustee.

[0084] Specifically, if the management personnel corresponding to a management node changes, the blockchain platform will generate corresponding billing data based on the transferred payment data. If the management node includes an account management node, the management personnel corresponding to the account management node is the account manager. If the management node is a trustee node, the management personnel corresponding to the trustee node is the trustee.

[0085] Step 104: Perform transfer payment processing according to the bill data to obtain a transfer payment result.

[0086] Specifically, the blockchain platform performs transfer payment processing based on the generated bill data, thereby obtaining the transfer payment results, thereby completing the automated processing flow of annuity transfer payments based on blockchain technology.

[0087] In the above embodiment of the present invention, the transfer payment application of the annuity plan uploaded by the operating node is obtained through the blockchain platform, and the transfer payment application is verified according to the first smart contract. If the verification is passed, the transfer payment data is generated. If the management node determines that the corresponding management personnel has changed, the billing data generated after the management personnel change is obtained, wherein the management personnel corresponding to the account management node is the account manager, and the management personnel corresponding to the entrusted node is the trustee; and the transfer payment is processed according to the billing data to obtain the transfer payment result, thereby increasing the automated processing flow of annuity transfer payments based on blockchain technology, improving data flow efficiency, ensuring the accuracy of data during data flow, and improving customer satisfaction.

[0088] As an optional embodiment, in the case where the management node includes an account management node, the bill data includes: payment bill data;

[0089] Wherein, in step 103, when the management node determines that the corresponding management personnel has been changed, obtaining the bill data generated according to the transferred payment data after the management personnel has been changed specifically includes:

[0090] When the account management node determines that the account keeper has changed according to the transferred payment data, obtaining payment bill data generated by the account management node according to the transferred payment data;

[0091] The step 104 performs transfer payment processing according to the bill data to obtain a transfer payment result, which specifically includes:

[0092] Verifying the payment bill data according to the second smart contract, and saving the payment bill data if the verification passes;

[0093] The transfer payment process is performed according to the payment bill data to obtain the transfer payment result.

[0094] Specifically, if the management node is an account management node and the account manager corresponding to the account management node changes, the account management node will generate corresponding payment invoice data based on the transferred payment data and upload the payment invoice data to the blockchain platform. The blockchain platform verifies the payment invoice data through a second smart contract. If the verification fails, the process returns to the previous step, where the account management node generated the payment invoice data. If the verification passes, the blockchain platform saves the payment invoice data. Furthermore, the blockchain platform performs transfer payment processing based on the payment invoice data, thereby obtaining a transfer payment result.

[0095] Furthermore, the second smart contract may include the following two items:

[0096] The first item: Verify whether the account management node has the authority to process the bill payment service. That is, verify whether the account management node has the authority to handle the bill payment service. If it has the authority to handle the bill payment service, the verification passes.

[0097] The second item: verify whether the payment bill data is consistent with the transferred payment data. That is, verify whether the payment bill data is consistent with the transferred payment data. If they are consistent, the verification is passed.

[0098] As an optional embodiment, in the case where the management node includes a trusted node, the billing data includes: payment notification instruction data;

[0099] After the step of verifying the payment bill data according to the second smart contract and saving the payment bill data if the verification passes, step 103, when the management node determines that the corresponding management personnel has changed, obtains the bill data generated based on the transferred payment data after the management personnel has changed, specifically including:

[0100] When the entrusted node determines that the custodian has changed based on the payment bill data, obtaining the payment notification instruction data generated by the entrusted node based on the payment bill data;

[0101] The step 104 performs transfer payment processing according to the payment bill data to obtain a transfer payment result, which specifically includes:

[0102] Verifying the payment notification instruction data according to the third smart contract, and saving the payment notification instruction data if the verification passes;

[0103] The transfer payment process is performed according to the payment receipt notification instruction data to obtain the transfer payment result.

[0104] Specifically, if the management node is a trusted node, if the account keeper corresponding to the trusted node changes, then after saving the payment bill data on the blockchain platform, if the trusted node determines that the custodian has changed based on the payment bill data, the trusted node generates the collection notification instruction data based on the payment bill data, and uploads the collection notification instruction data to the blockchain platform, thereby the blockchain platform obtains the collection notification instruction data.

[0105] The blockchain platform then verifies the payment notification instruction data through a third smart contract. If the verification fails, the process returns to the previous step, where the trusted node generated the payment notification instruction data. If the verification passes, the blockchain platform saves the payment notification instruction data and can perform a transfer payment process based on the payment notification instruction data, thereby obtaining a transfer payment result.

[0106] The data structure of the payment notification instruction data may include: instruction code, product instruction, instruction type, recipient code, instruction status, first writing time, first writing person, last writing time, and last writing person.

[0107] Optionally, the data structure of the collection notification instruction data may also include at least one of the following: handling time and instruction sending time, handler and instruction sender, review time, reviewer, feedback time, feedback authorization person code, feedback content, instruction file ID, canceler, cancelation time, instruction generation voucher, remarks content, cancellation reason, instruction receipt file, business application number, current sending task ID, return cancellation flag, custodian bank feedback instruction file, other materials, etc.

[0108] Furthermore, the third smart contract may include the following two items:

[0109] Item 1: Verify whether the trusted node has the authority to handle the payment notification instruction business. This means verifying whether the trusted node has the authority to handle the payment notification instruction business. If it does, the verification passes.

[0110] The second item: Verify whether the payment notification instruction data is consistent with the transfer payment data. That is, verify whether the payment notification instruction data is consistent with the transfer payment data. If they are consistent, the verification is passed.

[0111] As an optional embodiment, the step of performing transfer payment processing according to the payment receipt instruction data to obtain a transfer payment result specifically includes:

[0112] After the operating node pays the fee, the hosting node obtains the payment confirmation data generated based on the transfer payment data and the payment notification instruction data;

[0113] Verify the account arrival confirmation data according to the fourth smart contract, and save the account arrival confirmation data if the verification passes;

[0114] After the entrusted node obtains the account arrival confirmation data, obtaining a processing result obtained by the entrusted node after performing transfer payment processing according to the account arrival confirmation data;

[0115] The account arrival confirmation data is used to enable the account management node to enter the payment into the account according to the account arrival confirmation data.

[0116] Specifically, after the blockchain platform saves the payment notification instruction data, the operating node can pay the fee to the custodian bank. After the operating node pays the fee, the custodian node generates receipt confirmation data based on the transferred payment data and the payment notification instruction data, and uploads this receipt confirmation data to the blockchain platform. The blockchain platform verifies the receipt confirmation data through a fourth smart contract. If the verification fails, the process returns to the previous step, where the custodian node generates the receipt confirmation data. If the verification passes, the blockchain platform saves the receipt confirmation data.

[0117] Furthermore, if the entrusted node obtains the confirmation data on the blockchain platform, it will process the transfer and payment based on the confirmation data and obtain the processing result, thus completing the automated annuity transfer and payment process based on blockchain technology. Furthermore, the account management node can obtain the confirmation data on the blockchain platform and record the payment based on this confirmation data.

[0118] Among them, the data structure of the arrival confirmation data may include: arrival ID, product ID, name of the paying company, arrival amount, arrival date, status, first entry person, first entry date, last entry person, and last entry date.

[0119] Optionally, the data structure of the arrival confirmation data may also include at least one of the following: plan ID, plan enterprise ID, payment account bank, payment account branch, payment account name, payment account number, description content, payment confirmation form, instruction number, check whether it is empty when clicking to split (or whether it is the same as the current operating user. If it is empty or inconsistent, splitting is not allowed and a prompt appears that there are other people), arrival type, payment arrival notification (stamped), etc.

[0120] Furthermore, the fourth smart contract may include the following two items:

[0121] Item 1: Verify whether the custodian node has the authority to process the account confirmation service. This means verifying whether the custodian node has the authority to handle the account confirmation service. If it does, the verification passes.

[0122] Item 2: Verify whether the account confirmation data is consistent with the transfer payment data. That is, verify whether the account confirmation data is consistent with the transfer payment data. If they are consistent, the verification is passed.

[0123] like Figure 2 As shown, the above solution is described in detail below through a specific embodiment:

[0124] Step a1: The operating node uploads the transfer payment application to the blockchain platform. For example, Company A submits a transfer payment application to the blockchain platform due to a change in trustee, account keeper, and / or custodian.

[0125] Step a2: The blockchain platform executes the first smart contract. Specifically, the blockchain platform verifies the transfer payment application through the first smart contract. If the verification fails, the process returns to step a1. If the verification passes, the process proceeds to step a3.

[0126] Step a3: The blockchain platform generates transfer payment data. The entrusted node periodically scans the transfer payment data on the blockchain platform. If the entrusted node obtains the transfer payment data on the blockchain platform, the entrusted node will add a new transfer payment service.

[0127] Step a4: The account management node determines whether the account custodian has changed. Specifically, the account management node periodically scans the transfer payment data on the blockchain platform. If the account management node obtains transfer payment data from the blockchain platform, it can determine whether the account custodian has changed based on the transfer payment data. If not, the process ends. If so, the process proceeds to step a5.

[0128] Step a5: The account management node generates payment bill data. Specifically, the account management node generates payment bill data based on the information about the change of the account manager and uploads the payment bill data to the blockchain platform.

[0129] Step a6: The blockchain platform executes the second smart contract. Specifically, the blockchain platform verifies the payment bill data through the second smart contract. If the verification fails, the process returns to step a5; if the verification passes, the process proceeds to step a7.

[0130] Step a7: The blockchain platform saves the payment bill data. Operation nodes can view the payment bill data on the blockchain platform.

[0131] Step a8: The trusted node determines whether the custodian has changed. Specifically, the trusted node obtains payment bill data from the blockchain platform and, based on this data, determines whether the custodian has changed. If not, the process ends. If so, proceed to step a9.

[0132] Step a9: The entrusted node generates payment notification instruction data. Specifically, the entrusted node generates payment notification instruction data based on the custodian change information and uploads the payment notification instruction data to the blockchain platform.

[0133] Step a10: The blockchain platform executes the third smart contract. Specifically, the blockchain platform verifies the payment notification instruction data through the third smart contract. If the verification fails, the process returns to step a9; if the verification passes, the process proceeds to step a11.

[0134] Step a11: The blockchain platform saves the payment notification instruction data.

[0135] Step a12: The custodian node generates the account confirmation data. Specifically, the custodian node generates the account confirmation data based on the transfer payment data and the payment notification instruction data, and uploads the account confirmation data to the blockchain platform.

[0136] Step a13: The blockchain platform executes the fourth smart contract. Specifically, the blockchain platform verifies the account confirmation data through the fourth smart contract. If the verification fails, the process returns to step a12. If the verification succeeds, the process proceeds to step a14.

[0137] Step a14: The blockchain platform saves the account confirmation data.

[0138] Step a15: The account management node records the payment. Specifically, the account management node scans the account confirmation data on the blockchain platform. If the account confirmation data is obtained, the account management node can record the payment based on the account confirmation data.

[0139] Step a16: The entrusted node performs the transfer payment process. Specifically, the entrusted node scans the account confirmation data on the blockchain platform. If the account confirmation data is obtained, the entrusted node performs the transfer payment process based on the account confirmation data and obtains the processing result.

[0140] Step a17: The entrusted node performs transaction matching. Specifically, after completing the transfer payment process and obtaining the processing results, the entrusted node performs transaction matching, that is, matching the newly added transfer payment business of the entrusted node. After the processing is completed, the processed results can be uploaded to the blockchain platform, thus completing the annuity transfer payment process.

[0141] In summary, the above embodiments of the present invention provide customers and managers of all parties with specialized devices for transfer payment services based on blockchain technology. Blockchain simplifies the business processes of nodes, automatically executes complex approval processes by smart contracts, adds an automated processing process for transfer payments based on blockchain technology, and ensures the accuracy of data during the circulation process, reduces the risk of manual processing, avoids offline processing errors, and improves user satisfaction.

[0142] like Figure 3 As shown, an embodiment of the present invention provides an annuity transfer payment processing device 300, which is applied to a blockchain platform. The blockchain platform is deployed in a blockchain system. The blockchain system also includes: an operation node and a management node. The management node includes: at least one of an account management node and a trustee node. The device includes:

[0143] The first acquisition module 301 is used to obtain the transfer payment application of the annuity plan uploaded by the operation node;

[0144] A first processing module 302 is configured to verify the transfer payment application according to the first smart contract and generate transfer payment data if the verification passes;

[0145] The second acquisition module 303 is configured to, when the management node determines that the corresponding management personnel has changed, obtain billing data generated based on the transferred payment data after the management personnel has changed; wherein the management personnel corresponding to the account management node is the account manager, and the management personnel corresponding to the trustee node is the trustee;

[0146] The second processing module 304 is used to perform transfer payment processing according to the bill data to obtain a transfer payment result.

[0147] As an optional embodiment, in the case where the management node includes an account management node, the bill data includes: payment bill data;

[0148] The second acquisition module 303 includes:

[0149] a first acquiring unit configured to acquire payment bill data generated by the account management node based on the transferred payment data when the account management node determines that the account keeper has changed based on the transferred payment data;

[0150] The second processing module 304 includes:

[0151] A first storage unit is configured to verify the payment bill data according to the second smart contract, and save the payment bill data if the verification passes;

[0152] The first processing unit is used to perform transfer payment processing according to the payment bill data to obtain a transfer payment result.

[0153] As an optional embodiment, in the case where the management node includes a trusted node, the billing data includes: payment notification instruction data;

[0154] After the first saving unit, the second obtaining module 303 further includes:

[0155] a second acquiring unit configured to acquire, when the entrusted node determines that the custodian has changed based on the payment bill data, payment notification instruction data generated by the entrusted node based on the payment bill data;

[0156] The second processing module 304 includes:

[0157] a second storage unit, configured to verify the payment notification instruction data according to a third smart contract, and save the payment notification instruction data if the verification passes;

[0158] The second processing unit is used to perform transfer payment processing according to the collection notice instruction data to obtain a transfer payment result.

[0159] As an optional embodiment, the second processing unit includes:

[0160] After the operating node pays the fee, the hosting node obtains the payment confirmation data generated based on the transfer payment data and the payment notification instruction data;

[0161] Verify the account arrival confirmation data according to the fourth smart contract, and save the account arrival confirmation data if the verification passes;

[0162] After the entrusted node obtains the account arrival confirmation data, obtaining a processing result obtained by the entrusted node after performing transfer payment processing according to the account arrival confirmation data;

[0163] The account arrival confirmation data is used to enable the account management node to enter the payment into the account according to the account arrival confirmation data.

[0164] As an optional embodiment, the first smart contract includes:

[0165] Verify whether the operation node that uploaded the annuity transfer payment application has the authority to process the annuity transfer payment business;

[0166] Verify whether there is investment offset or no investment offset;

[0167] Verify whether there are other annuity transfer payment businesses;

[0168] Verify whether the annuity transfer payment application is consistent with the preset enterprise basic information, employee basic information and / or annuity plan basic information.

[0169] As an optional embodiment, the second smart contract includes:

[0170] Verify whether the account management node has the authority to process the payment bill service;

[0171] Verify whether the payment bill data is consistent with the transferred payment data.

[0172] As an optional embodiment, the third smart contract includes:

[0173] Verify whether the entrusted node has the authority to process the payment notification instruction business;

[0174] Verify whether the payment receipt instruction data is consistent with the transfer payment data.

[0175] As an optional embodiment, the fourth smart contract includes:

[0176] Verify whether the custodian node has the authority to process the account arrival confirmation service;

[0177] Verify whether the account arrival confirmation data is consistent with the transfer payment data.

[0178] It should be noted that the embodiment of the annuity transfer payment processing device is a device corresponding to the above-mentioned annuity transfer payment processing method. All implementation methods of the above-mentioned method embodiment are applicable to the embodiment of the device and can achieve the same technical effects, so they will not be repeated here.

[0179] The embodiment of the present invention further provides an electronic device, such as Figure 4 As shown, it includes a processor 401 , a communication interface 402 , a memory 403 and a communication bus 404 , wherein the processor 401 , the communication interface 402 and the memory 403 communicate with each other via the communication bus 404 .

[0180] The memory 403 is used to store computer programs.

[0181] When the electronic device is a terminal device, the processor 401 is used to execute the program stored in the memory 403 to implement the annuity transfer payment processing method as described in any of the above embodiments.

[0182] The communication bus mentioned in the electronic device mentioned above may be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. This communication bus can be divided into address buses, data buses, control buses, etc. For ease of illustration, the figure shows only one thick line, but this does not mean that there is only one bus or only one type of bus.

[0183] The communication interface is used for communication between the above terminal and other devices.

[0184] The memory may include random access memory (RAM) or non-volatile memory, such as at least one disk storage. Alternatively, the memory may be at least one storage device located away from the processor.

[0185] The above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components.

[0186] In another embodiment provided by the present invention, a computer-readable storage medium is also provided, which stores instructions. When the computer-readable storage medium is run on a computer, it enables the computer to execute the annuity transfer payment processing method described in the above embodiment.

[0187] In another embodiment provided by the present invention, a computer program product containing instructions is also provided, which, when executed on a computer, enables the computer to execute the annuity transfer payment processing method described in the above embodiment.

[0188] The above embodiments can be implemented in whole or in part through software, hardware, firmware, or any combination thereof. When implemented using software, they can be implemented in whole or in part in the form of a computer program product. The computer program product comprises one or more computer instructions. When loaded and executed on a computer, the computer program instructions fully or partially produce the processes or functions described in accordance with the embodiments of the present invention. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) means. The computer-readable storage medium can be any available medium accessible by a computer or a data storage device such as a server or data center that integrates one or more available media. The available medium can be magnetic media (e.g., floppy disk, hard disk, tape), optical media (e.g., DVD), or semiconductor media (e.g., solid-state drive (SSD)).

[0189] It should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply the existence of any such actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of other identical elements in the process, method, article, or device comprising the element.

[0190] Each embodiment in this specification is described in a related manner. Similar parts between the various embodiments can be referred to in conjunction with each other. Each embodiment focuses on the differences between the other embodiments. In particular, the system embodiment is generally similar to the method embodiment, so the description is relatively simple. For related parts, refer to the description of the method embodiment.

[0191] The above description is only a preferred embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention are included in the scope of protection of the present invention.

Claims

1. A method for processing annuity transfer payment, characterized in that: Applied to a blockchain platform, the blockchain platform is deployed in a blockchain system, the blockchain system further includes: an operation node and a management node, the management node includes: at least one of an account management node and a trustee node, the method includes: Obtain the transfer payment application of the annuity plan uploaded by the operation node; Verify the transfer payment application according to the first smart contract, and generate transfer payment data if the verification passes; When the management node determines that the corresponding management personnel has changed, the billing data generated according to the transferred payment data after the management personnel has changed is obtained; wherein, the management personnel corresponding to the account management node is the account manager, and the management personnel corresponding to the entrusted node is the custodian; the billing data includes payment billing data and collection notification instruction data; when the account management node determines that the account manager has changed according to the transferred payment data, the account management node generates the payment billing data according to the transferred payment data; when the entrusted node determines that the custodian has changed according to the payment bill data, the entrusted node generates the collection notification instruction data according to the payment bill data; Transfer payment processing is performed according to the bill data to obtain a transfer payment result; wherein, when the account management node determines that the account keeper has changed according to the transferred payment data, the payment bill data is verified according to the second smart contract, and if the verification fails, the process returns to the step where the account management node generates the payment bill data according to the transferred payment data; when the entrusted node determines that the custodian has changed according to the payment bill data, the collection notification instruction data is verified according to the third smart contract, and if the verification fails, the process returns to the step where the entrusted node generates the collection notification instruction data according to the payment bill data.

2. The annuity transfer payment processing method according to claim 1, characterized in that: In the case where the management node includes an account management node, the bill data includes: payment bill data; Wherein, when the management node determines that the corresponding management personnel has been changed, obtaining the bill data generated according to the transferred payment data after the management personnel has been changed includes: When the account management node determines that the account keeper has changed according to the transferred payment data, obtaining payment bill data generated by the account management node according to the transferred payment data; The transfer payment processing is performed according to the bill data to obtain the transfer payment result, including: Verifying the payment bill data according to the second smart contract, and saving the payment bill data if the verification passes; The transfer payment process is performed according to the payment bill data to obtain the transfer payment result.

3. The annuity transfer payment processing method according to claim 2, characterized in that: In the case where the management node includes a trusted node, the billing data includes: payment notification instruction data; The step of verifying the payment bill data according to the second smart contract and, if the verification passes, saving the payment bill data, and obtaining bill data generated based on the transferred payment data after the change of the corresponding manager when the management node determines that the corresponding manager has changed, includes: When the entrusted node determines that the custodian has changed based on the payment bill data, obtaining the payment notification instruction data generated by the entrusted node based on the payment bill data; The transfer payment processing is performed according to the payment bill data to obtain the transfer payment result, including: Verifying the payment notification instruction data according to the third smart contract, and saving the payment notification instruction data if the verification passes; The transfer payment process is performed according to the payment receipt notification instruction data to obtain the transfer payment result.

4. The annuity transfer payment processing method according to claim 3, characterized in that: The transfer payment processing is performed according to the payment receipt notification instruction data to obtain the transfer payment result, including: After the operating node pays the fee, the hosting node obtains the payment confirmation data generated based on the transfer payment data and the payment notification instruction data; Verify the account arrival confirmation data according to the fourth smart contract, and save the account arrival confirmation data if the verification passes; After the entrusted node obtains the account arrival confirmation data, obtaining a processing result obtained by the entrusted node after performing transfer payment processing according to the account arrival confirmation data; The account arrival confirmation data is used to enable the account management node to enter the payment into the account according to the account arrival confirmation data.

5. The annuity transfer payment processing method according to claim 1, characterized in that: The first smart contract includes: Verify whether the operation node that uploaded the annuity transfer payment application has the authority to process the annuity transfer payment business; Verify whether there is investment offset or no investment offset; Verify whether there are other annuity transfer payment businesses; Verify whether the annuity transfer payment application is consistent with the preset enterprise basic information, employee basic information and / or annuity plan basic information.

6. The annuity transfer payment processing method according to claim 2, characterized in that: The second smart contract includes: Verify whether the account management node has the authority to process the payment bill service; Verify whether the payment bill data is consistent with the transferred payment data.

7. The annuity transfer payment processing method according to claim 3, characterized in that: The third smart contract includes: Verify whether the entrusted node has the authority to process the payment notification instruction business; Verify whether the payment receipt instruction data is consistent with the transfer payment data.

8. The annuity transfer payment processing method according to claim 4, characterized in that: The fourth smart contract includes: Verify whether the custodian node has the authority to process the account arrival confirmation service; Verify whether the account arrival confirmation data is consistent with the transfer payment data.

9. An annuity transfer payment processing device, characterized in that: Applied to a blockchain platform, the blockchain platform is deployed in a blockchain system, the blockchain system further includes: an operation node and a management node, the management node includes: at least one of an account management node and a trustee node, the device includes: A first acquisition module is used to obtain the transfer payment application of the annuity plan uploaded by the operation node; A first processing module is configured to verify the transfer payment application according to the first smart contract, and generate transfer payment data if the verification passes; A second acquisition module is configured to, when the management node determines that the corresponding management personnel has changed, obtain billing data generated based on the transferred payment data after the management personnel has changed; wherein, the management personnel corresponding to the account management node is the account keeper, and the management personnel corresponding to the entrusted node is the custodian; the billing data includes payment billing data and collection notification instruction data; when the account management node determines that the account keeper has changed based on the transferred payment data, the account management node generates the payment billing data based on the transferred payment data; when the entrusted node determines that the custodian has changed based on the payment bill data, the entrusted node generates the collection notification instruction data based on the payment bill data; The second processing module is used to perform transfer payment processing based on the bill data to obtain a transfer payment result; wherein, when the account management node determines that the account keeper has changed based on the transferred payment data, the payment bill data is verified according to the second smart contract, and if the verification fails, the module returns to the step where the account management node generates the payment bill data based on the transferred payment data; when the entrusted node determines that the custodian has changed based on the payment bill data, the collection notification instruction data is verified according to the third smart contract, and if the verification fails, the module returns to the step where the entrusted node generates the collection notification instruction data based on the payment bill data.

10. An electronic device, characterized in that: include: A processor, a communication interface, a memory, and a communication bus; wherein the processor, the communication interface, and the memory communicate with each other via the communication bus; Memory for storing computer programs; The processor is configured to implement the steps of the annuity transfer payment processing method as described in any one of claims 1 to 8 when executing the program stored in the memory.

11. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the annuity transfer payment processing method according to any one of claims 1 to 8 is implemented.

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