Salary payment method and system supporting multiple bank cards, electronic equipment and storage medium

Abstract

The invention provides a salary payment method and system supporting multiple bank cards, electronic equipment and a storage medium, and the method comprises the steps: achieving the unified management of a plurality of bank cards through confirming the identity information of a bank card user, building a bank card virtual database for personal salary payment, simplifying the salary payment process, and improving the payment efficiency; the employees are allowed to specify the target bank card as the salary card to be issued in the bank card virtual database, preferences and requirements of the employees for different bank cards are met, the current-month salary bill is compiled according to the current-month project actual progress, the salary card to be issued, the attendance information and the working condition, the timeliness and accuracy of salary issuing are ensured, and the labor intensity of the employees is reduced. According to the method and the system, the salary card to be issued in the current monthly salary bill is confirmed and verified, the salary payment failure caused by the abnormal state of the bank card is effectively prevented, the management efficiency is improved, and the supervision of the salary payment is enhanced through data connection and sharing with banks, supervision departments and the like.

Description

Technical Field

[0001] The present invention relates to the field of computer network technology, and in particular to a salary payment method, system, electronic equipment and storage medium supporting multiple bank cards. Background Art

[0002] In the construction industry, due to factors such as Party A's funding, restrictions on the contracting bank of the general contractor, and differences in construction workers' card preferences, projects often need to make cross-bank wage payments when paying construction workers' wages. However, the banking systems of different banks cannot obtain wage card status information in real time. Therefore, projects often fail to make cross-bank payments due to problems with the workers' wage card status. At the same time, since workers in the construction industry are highly mobile and wages are generally paid on a piecework or time basis, there is often a problem that wages cannot be paid to workers on time due to abnormal bank card status, which brings about major social problems.

[0003] In response to the above problems, construction general contractors (wage payers), banks and regulatory agencies all hope to improve the success rate of inter-bank wage payment through a method and system, minimize the workload of labor and employment specialists or general contractors, and reduce the potential risks brought by wage payment. Summary of the invention

[0004] The present application provides a salary payment method, system, electronic device and storage medium supporting multiple bank cards to solve the above technical problems.

[0005] An embodiment of the present application provides a salary payment method supporting multiple bank cards, the method comprising: confirming bank card user identity information; building a bank card virtual database for personal salary payment based on the bank card user identity information; specifying a target bank card as a salary payment card in the bank card virtual database, and preparing a monthly salary slip based on the actual progress of the project for the month, the salary payment card, attendance information and work status; confirming and verifying the salary payment card in the monthly salary slip, and taking corresponding payment measures based on the verification results.

[0006] In one embodiment of the present application, a virtual database of bank cards for personal salary payment is built based on the bank card user identity information, including: connecting to multiple bank systems, government platforms and third-party institutions based on the bank card user identity information to provide information verification services; the information verification services include salary special account verification, bank card number information verification, special account transaction push, special account detail push, and personal bank card information query services; the virtual database of bank cards for personal salary payment is built through the information verification service.

[0007] In one embodiment of the present application, a virtual database of bank cards for personal salary payment is established through the information verification service, including: connecting to the bank card database of the contracted bank, and through real-time information verification services, storing salary card information that needs to be issued immediately or has been issued, and establishing a personal bank card database, wherein the salary card information includes: user information, bank card number, and opening bank; obtaining user authorization information, and with the user's authorization, extracting all personal bank card information of the user information, and establishing personal bank card data.

[0008] In one embodiment of the present application, all personal bank card information of the user information is extracted, and personal bank card data is constructed, including: if it is identified that the opening bank in the salary card information and the salary payment bank are not the same bank, then with the user's authorization, all available bank card information is obtained through the user information; all available bank card information is stored in the virtual database of the bank card for personal salary payment.

[0009] In one embodiment of the present application, a target bank card is designated as a wage payment card in the virtual database of bank cards for personal wage payment, including: sending a bank card authentication instruction to a client; in response to the bank card authentication instruction, independently adding, deleting, querying, modifying, etc. each bank card in the virtual database of bank cards for personal wage payment to obtain a target bank card, and using the target bank card as a wage payment card.

[0010] In one embodiment of the present application, the wage card on behalf of the payroll in the current month is confirmed and verified, including: authorizing and confirming the user information of the wage card on behalf of the payroll and the amount on the payroll, and feeding back a verification request; in response to the verification request, performing a status check according to the weighted average of the frequency of use and the success rate of payment of the wage card on behalf of the payroll; if it is detected that the status of all wage cards on behalf of the payroll is normal, determining the verification result as all passed the verification; if it is detected that the status of some wage cards on behalf of the payroll is abnormal, marking the wage cards with abnormal status as not passed the verification, and determining the verification result as partially passed the verification. .

[0011] In one embodiment of the present application, corresponding payment measures are taken according to the verification results, including: when the verification result is that all verification has passed, obtaining authorization from the regulatory department through a dedicated channel and paying in real time; when the verification result is that part of the verification has passed, removing the payroll corresponding to the payroll card marked as not passing the verification, automatically matching the authorized payroll card for the verified payroll card to pay the salary, and providing real-time reminders to the users whose payroll cards have been removed.

[0012] The embodiment of the present application provides a salary payment system supporting multiple bank cards, and the system includes: a user authentication module, which is used to confirm the identity information of a bank card user; a bank card virtual database service module, which is used to build a bank card virtual database for personal salary payment based on the bank card user identity information; a salary card management module, which is used to specify a target bank card as a salary payment card in the bank card virtual database; a salary slip preparation module, which is used to prepare the salary slip of the current month according to the actual progress of the project of the current month, the salary payment card, attendance information and work status; a salary card confirmation module, which is used to confirm the salary payment card in the salary slip of the current month; and a salary card status confirmation module, which is used to verify the status of the salary payment card and take corresponding payment measures according to the verification result.

[0013] An embodiment of the present application provides an electronic device, which includes: one or more processors; a storage system for storing one or more programs, and when the one or more programs are executed by the one or more processors, the electronic device implements the above-mentioned salary payment method supporting multiple bank cards.

[0014] An embodiment of the present application provides a computer-readable storage medium on which a computer program is stored, wherein the computer program is used to enable a computer to execute the above-mentioned salary payment method supporting multiple bank cards.

[0015] The beneficial effects of this application are as follows: by confirming the identity information of bank card users, the accuracy of salary payment is ensured, and the failure or delay of salary payment caused by incorrect identity information is avoided. A virtual database of bank cards for personal salary payment is established, which realizes the unified management of multiple bank cards, simplifies the salary payment process, and improves the payment efficiency; employees are allowed to specify the target bank card as the salary payment card in the bank card virtual database, which meets the employees' preferences and needs for different bank cards, and prepares the monthly salary slip according to the actual progress of the project, the salary payment card, attendance information and work situation of the month, which ensures the timeliness and accuracy of salary payment and reflects the fairness of salary. The salary payment card in the monthly salary slip is confirmed and verified, which effectively prevents the failure of salary payment due to abnormal bank card status. With the help of information technology, this process realizes the automation and intelligence of salary payment, improves management efficiency, and strengthens the supervision of salary payment through data connection and sharing with banks, regulatory authorities, etc., to ensure the compliance and transparency of salary payment.

[0016] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The drawings herein are incorporated into the specification and constitute a part of the specification, showing embodiments consistent with the present application, and together with the specification, are used to explain the principles of the present application. Obviously, the drawings described below are only some embodiments of the present application, and for those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0018] Figure 1 is a flow chart of a salary payment method supporting multiple bank cards shown in an exemplary embodiment of the present application;

[0019] Figure 2 A flowchart of a salary payment method supporting multiple bank cards is shown as another exemplary embodiment of the present application;

[0020] Figure 3 It is a hardware structure diagram of a multi-bank card salary payment system shown in an exemplary embodiment of the present application;

[0021] Figure 4 It is a schematic diagram of a hardware structure of an electronic device shown in an exemplary embodiment of the present application. DETAILED DESCRIPTION

[0022] The following will describe the implementation methods of the present application with reference to the accompanying drawings and preferred embodiments. Those skilled in the art can easily understand other advantages and effects of the present application from the contents disclosed in this specification. The present application can also be implemented or applied through other different specific implementation methods, and the details in this specification can also be modified or changed in various ways based on different viewpoints and applications without departing from the spirit of the present application. It should be understood that the preferred embodiments are only for illustrating the present application, not for limiting the scope of protection of the present application.

[0023] It should be noted that the illustrations provided in the following embodiments are only schematic illustrations of the basic concept of the present application, and thus the drawings only show components related to the present application rather than being drawn according to the number, shape and size of components in actual implementation. In actual implementation, the type, quantity and proportion of each component may be changed at will, and the component layout may also be more complicated.

[0024] In the following description, a large number of details are discussed to provide a more thorough explanation of the embodiments of the present application. However, it is obvious to those skilled in the art that the embodiments of the present application can be implemented without these specific details. In other embodiments, well-known structures and devices are shown in the form of block diagrams rather than in detail to avoid making the embodiments of the present application difficult to understand.

[0025] The embodiments of the present application respectively propose a salary payment method supporting multiple bank cards, a salary payment system supporting multiple bank cards, an electronic device and a storage medium, and these embodiments will be described in detail below.

[0026] See also Figure 1 , Figure 1 FIG. 1 is a flowchart of a method for distributing wages supporting multiple bank cards according to an embodiment of the present application. Figure 1 As shown, the method at least includes steps S110 to S140, which are described in detail as follows:

[0027] Step S110, confirming the bank card user's identity information.

[0028] In one embodiment of the present application, the bank card user identity information is confirmed through the user authentication module. Specifically, the user authentication function is realized through the mobile phone camera or a specific computer camera, and the authentication functions of face recognition, liveness detection and personal authorization can be provided. When other functional modules need to use user authentication, this module can be called to implement the corresponding authentication function. This functional module can also provide the corresponding authentication function to third-party software or system outside the system separately.

[0029] Step S120, building a bank card virtual database for personal salary payment based on the bank card user identity information.

[0030] In one embodiment of the present application, a virtual database of bank cards for personal salary payment is built based on the identity information of bank card users, including: connecting to multiple bank systems, government platforms and third-party institutions based on the identity information of bank card users to provide information verification services; information verification services include salary special account verification, bank card number information verification, special account flow push, special account detail push, and personal bank card information query services; a virtual database of bank cards for personal salary payment is built through the information verification service.

[0031] As an example, the bank docking module is connected to the bank card verification services and interfaces of multiple bank systems, government platforms and third-party institutions, providing bank service functions such as special account verification, bank card number information verification, special account flow push, special account detail push, and personal bank card information query. Specifically, by connecting to bank systems, government platforms and third-party institutions, with the help of the dedicated interfaces and services they provide, bank-specific functional services are provided to support multiple banks' salary special account verification, bank card number information verification, special account flow push, special account detail push, and personal bank card information query. Special account verification includes but is not limited to special account sub-account information, balance and status information; bank card number information verification includes but is not limited to: name, ID number, bank card number, opening bank, bank card status information; special account transaction push includes but is not limited to: special account sub-account, special account name, transaction amount (RMB), transaction time, transaction type, receiving (paying) account, receiving (paying) account name, balance after transaction (RMB), summary; special account details push includes but is not limited to: special account sub-account, migrant worker's name, issuance time, opening bank, bank card number, issuance amount (RMB), whether issuance is successful, and summary.

[0032] In one embodiment of the present application, a virtual database of bank cards for personal salary payment is built through an information verification service, including: connecting to the bank card database of the contracted bank, and through real-time information verification services, storing salary card information that needs to be issued immediately or has been issued, and building a personal bank card database. The salary card information includes: user information, bank card number, and opening bank; obtaining user authorization information, and with the user's authorization, extracting all personal bank card information of the user information, and building personal bank card data.

[0033] In one embodiment of the present application, all personal bank card information of the user information is extracted, and personal bank card data is constructed, including: if it is identified that the opening bank in the salary card information and the salary payment bank are not the same bank, then with the user's authorization, all available bank card information is obtained through the user information and all available bank card information is stored in a virtual database of the personal salary payment bank card.

[0034] As an example, the management of personal bank card data is achieved through the bank card virtual database service module, and the salary cards and personal information that need to be issued or have been issued are stored in the database, and the salary card status information is updated through bank feedback information; the personal bank card information in the payroll required for the salary payment and successful feedback supervision through specific APPs and mini-programs is extracted; with the authorization of the user, the bank card information available to the user in the bank is obtained through the name, ID card or mobile phone number with the help of specific financial services provided by the bank. Based on the weighted average of the frequency of bank card use and the success rate of issuance, the status of the card numbers in the personal bank card database is checked regularly, and banks with abnormal status are warned.

[0035] Specifically, the bank card virtual database service module: This module includes 4 parts of functions. The first part, personal bank card database: connect to the bank card database of the contracted bank or the third-party bank verification data service, and through real-time information verification services, store the salary card information that needs to be issued immediately or has been issued, and build a personal bank card database. The information stored in the database includes: name, ID number, bank card number, bank account opening bank, and mobile phone number. The second part, the automatic extraction function of personal bank cards: with the authorization of the user, extract the personal bank card information in the payroll required for the salary payment and successful feedback supervision through specific APPs and mini-programs, and build personal bank card data. At the same time, the real-time status and balance of personal banks can be queried in real time. The third part, bank card virtual library service: for users who need different bank cards to be issued, a virtual database service function is provided. With the authorization of the user, with the help of specific financial services provided by the bank, the bank card information available to the user in the bank is obtained through name, ID card or mobile phone number. The storage information of the virtual database only includes: name, ID number, and mobile phone number. Data update and early warning functions. Based on the weighted average of bank card usage frequency and issuance success rate, the card numbers in the personal bank card database are checked regularly, and banks with abnormal status are warned.

[0036] Step S130, specifying the target bank card as the payroll card in the bank card virtual database, and compiling the payroll for the month based on the actual progress of the project, the payroll card, attendance information and work status for the month.

[0037] In one embodiment of the present application, a target bank card is designated as a wage payment card in a virtual database of bank cards for personal wage payment, including: sending a bank card authentication instruction to a client; in response to the bank card authentication instruction, performing independent addition, deletion, query and modification operations on each bank card in the virtual database of bank cards for personal wage payment to obtain a target bank card, and using the target bank card as a wage payment card.

[0038] As an example, the wage card management module is used to manage wage cards on behalf of others. The user is a worker. When a worker can have multiple bank cards at multiple authorized banks at the same time, the worker enters the required bank cards into the personal bank card database through the wage card registration module; the worker can use a specific APP (Aplicant), a mini-program or a third-party platform software with integrated management permissions to realize management functions such as adding, deleting, querying and modifying personal information after being authenticated by the user authentication module; the worker can use a specific APP to complete the relevant identity authentication, and can independently add, delete, query and modify each bank card. At the same time, he can also open or close the authorization operation of the bank card virtual library service in the bank card virtual database service module.

[0039] As an example, through the payroll preparation module, the payroll administrator prepares payrolls by month based on the actual progress of the project, including basic payroll information such as month, name, ID card, bank card, payable wages, actual wages, deducted wages, and back wages.

[0040] Step S140, confirm and verify the wage card in the monthly payroll, and take corresponding payment measures according to the verification result.

[0041] In one embodiment of the present application, the wage cards on behalf of the payroll in the current month are confirmed and verified, including: authorizing and confirming the user information of the wage cards on behalf of the payroll and the amount on the payroll, and feeding back a verification request; in response to the verification request, performing a status check based on a weighted average of the frequency of use of the wage cards on behalf of the payroll and the success rate of issuance; if it is detected that the status of all wage cards on behalf of the payroll is normal, determining that the verification result is that all have passed the verification; if it is detected that the status of some wage cards on behalf of the payroll is abnormal, marking the wage cards with abnormal status as not passed the verification, and determining that the verification result is that some have passed the verification.

[0042] As an example, through salary card authorization and salary amount confirmation, in the construction industry, the regulatory authorities need to sign and confirm the paid wages. Due to geographical, time and other factors, when workers cannot be present to confirm, they can use a specific mobile app or WeChat applet to authorize and confirm online. Workers can use a specific mobile app or WeChat applet to call the user authentication module to confirm their identity, and then confirm and authorize the monthly payroll and payroll card.

[0043] In one embodiment of the present application, corresponding payment measures are taken according to the verification result, including: when the verification result is that all verification has passed, obtaining authorization from the regulatory department through a dedicated channel and issuing in real time; when the verification result is that part of the verification has passed, removing the payroll corresponding to the payroll card marked as not passing the verification, automatically matching the authorized payroll card for the verified payroll card to pay the salary, and providing real-time reminders to the users whose payroll cards have been removed.

[0044] As an example, the bank docking module is used to verify the payrolls that need to be issued in real time. All the payrolls that pass the verification will be immediately authorized by the regulatory authorities through a dedicated channel and issued in real time. For some payrolls that fail to pass the verification, the system will automatically match an authorized salary for payroll cards that have activated the bank card virtual library service function; for payroll cards that have activated the bank card virtual library service function, the system will remove the salary information and issue the remaining part. At the same time, real-time reminders are given to workers whose salary cards have been removed. If they can be updated to valid salary cards within the specified time, the system will automatically initiate the salary payment service again. For those who fail to update the salary card in time, the system will issue a warning message and the salary will be issued again manually.

[0045] exist Figure 1 In the technical solution shown, by confirming the identity information of the bank card user, the accuracy of salary payment is ensured, and the failure or delay of salary payment caused by incorrect identity information is avoided. A virtual database of bank cards for personal salary payment is established, which realizes the unified management of multiple bank cards, simplifies the salary payment process, and improves the payment efficiency; employees are allowed to specify the target bank card as the salary payment card in the bank card virtual database, which meets the employees' preferences and needs for different bank cards. The monthly salary slip is compiled according to the actual progress of the project, the salary payment card, attendance information and work situation of the month, which ensures the timeliness and accuracy of salary payment and reflects the fairness of salary. The salary payment card in the monthly salary slip is confirmed and verified, which effectively prevents the failure of salary payment due to abnormal bank card status. With the help of information technology, this process realizes the automation and intelligence of salary payment, improves management efficiency, strengthens the supervision of salary payment through data connection and sharing with banks, regulatory authorities, etc., and ensures the compliance and transparency of salary payment.

[0046] In one embodiment of the present application, Figure 2The flowchart of supporting salary payment for multiple bank cards shown in the embodiment of the present application is as follows. Specifically, the user is a worker. First, the worker user obtains the management and operation authority of the bank card virtual library service 08 and the personal bank card database 09 after passing the user authentication 01, and then enters the personal salary card information into the system through the salary card management 04 to establish the personal bank card data; secondly, if the worker needs to use multiple bank cards and can automatically forward to other authenticated bank functions when the designated bank card fails to be issued, the worker user needs to open the bank virtual database service of the bank that he needs to authorize through the salary card management 04; finally, after passing the user authentication 01, the worker user can add, delete, query, modify and other management operations on the data of the bank card virtual library service 08 and the personal bank card database 09. The project salary compiler imports the real-name attendance information 12 from the external system through the salary slip compilation module 05, and generates the salary slip for the current month. The bank card virtual database service module 03 automatically matches the most appropriate bank card information from the bank card virtual library service 08 and the personal bank card database 09, and then initiates confirmation to the worker user through the salary card authorization and salary amount confirmation module 06. Each worker uses a specific app or applet to identify the identity and confirm the salary slip, and authorizes the confirmed salary slip through user authentication 01 and the salary card authorization and salary amount confirmation module 06; at the same time as the authorization is completed, the bank docking module 02 is automatically called through the salary card status confirmation module 07 to complete the real-time verification of the salary slip to be issued, and then the salary slip is issued through the dedicated channel agreed with the bank. After the issuance is completed, the data is pushed to the general contractor's designated general contractor's issuance database 10 and the salary supervision database 11 designated by the regulatory department through a dedicated interface according to the agreed standards. For the general contractor's payment database 10 and salary supervision database 11 that have opened the authorization or security agreement, the bank card virtual database service module 03 extracts the information of the salary cards that have been issued from time to time and stores them in the database to supplement the number of successful payments in the personal database.By confirming the identity information of bank card users, the accuracy of salary payment is ensured, and the failure or delay of salary payment caused by incorrect identity information is avoided. A virtual database of bank cards for personal salary payment is established to achieve unified management of multiple bank cards, simplify the salary payment process, and improve payment efficiency. Employees are allowed to specify target bank cards as salary payment cards in the bank card virtual database, which meets the employees' preferences and needs for different bank cards. The monthly salary slip is compiled according to the actual progress of the project, salary payment cards, attendance information and work status of the month, ensuring the timeliness and accuracy of salary payment, and reflecting the fairness of wages. The salary payment cards in the monthly salary slip are confirmed and verified, effectively preventing the failure of salary payment due to abnormal bank card status. With the help of information technology, this process realizes the automation and intelligence of salary payment, improves management efficiency, and strengthens the supervision of salary payment through data connection and sharing with banks, regulatory authorities, etc., ensuring the compliance and transparency of salary payment.

[0047] In addition, the bank card database of the contracted bank or the third-party bank verification data service is connected to build a virtual database of bank cards for personal salary payment. Project workers can have multiple bank cards in multiple authorized banks at the same time. Individuals can choose according to their own wishes and register one or more wages from different banks in the virtual database through a specific APP or third-party integrated service. Each salary payment can specify a bank card according to their own needs. The virtual database regularly updates and maintains the status information of the salary cards in the library, cleans up invalid salary cards in a timely manner, and informs the administrator and cardholder. A set of mobile applications based on digital signatures is established to realize the identity authentication of the personnel to be paid and the authorization confirmation of the amount on the salary slip. The labor and capital specialist of the project or company prepares the salary slip every month based on the attendance information, work situation and the salary card selected by the employee. The virtual database will verify the status of the selected bank card in real time, and those with abnormal status will be eliminated. The system automatically submits the salary slip submitted by the labor and capital specialist to the regulatory department for authorization and sends it to the bank for payment.

[0048] Figure 3 FIG. 1 shows a block diagram of a system supporting multiple bank cards for salary payment according to an exemplary embodiment of the present application. Figure 3As shown, according to an embodiment of the present application, a multi-bank card salary payment system 300 includes: a user authentication module 310, a bank card virtual database service module 320, a salary card management module 330, a salary slip preparation module 340, a salary card confirmation module 350, and a salary card status confirmation module 360. The user authentication module is used to confirm the bank card user identity information; the bank card virtual database service module is used to build a bank card virtual database for personal salary payment based on the bank card user identity information; the salary card management module is used to specify the target bank card as the salary payment card in the bank card virtual database; the salary slip preparation module is used to prepare the salary slip of the current month according to the actual progress of the project, the salary payment card, attendance information and work situation of the current month; the salary card confirmation module is used to confirm the salary payment card in the salary slip of the current month; the salary card status confirmation module is used to verify the status of the salary payment card, and take corresponding payment measures according to the verification result. By confirming the identity information of bank card users, the accuracy of salary payment is ensured, and the failure or delay of salary payment caused by incorrect identity information is avoided. A virtual database of bank cards for personal salary payment is established to achieve unified management of multiple bank cards, simplify the salary payment process, and improve payment efficiency. Employees are allowed to specify target bank cards as salary payment cards in the bank card virtual database, which meets the employees' preferences and needs for different bank cards. The monthly salary slip is compiled according to the actual progress of the project, salary payment cards, attendance information and work status of the month, ensuring the timeliness and accuracy of salary payment, and reflecting the fairness of wages. The salary payment cards in the monthly salary slip are confirmed and verified, effectively preventing the failure of salary payment due to abnormal bank card status. With the help of information technology, this process realizes the automation and intelligence of salary payment, improves management efficiency, and strengthens the supervision of salary payment through data connection and sharing with banks, regulatory authorities, etc., ensuring the compliance and transparency of salary payment.

[0049] In one embodiment of the present application, the multi-bank card salary payment system also includes a bank docking module 370, which is used to dock with multiple bank systems, government platforms and third-party institutions based on the bank card user identity information to provide information verification services; the information verification service includes salary special account verification, bank card number information verification, special account flow push, special account detail push, and personal bank card information query service; a virtual bank card database for personal salary payment is established through the information verification service.

[0050] As an example, the bank docking module is used to connect to the bank card verification services and interfaces of multiple bank systems, government platforms and third-party institutions through the bank docking module, and provide bank service functions such as special account verification, bank card number information verification, special account flow push, special account detail push, and personal bank card information query. Specifically, by connecting to the bank system, government platform and third-party institutions, with the help of the dedicated interfaces and services they provide, bank-specific functional services such as supporting multiple banks' salary special account verification, bank card number information verification, special account flow push, special account detail push, and personal bank card information query are provided. Special account verification includes but is not limited to special account sub-account information, balance and status information; bank card number information verification includes but is not limited to: name, ID number, bank card number, opening bank, bank card status information; special account transaction push includes but is not limited to: special account sub-account, special account name, transaction amount (RMB), transaction time, transaction type, receiving (paying) account, receiving (paying) account name, balance after transaction (RMB), summary; special account details push includes but is not limited to: special account sub-account, migrant worker's name, issuance time, opening bank, bank card number, issuance amount (RMB), whether issuance is successful, and summary.

[0051] In one embodiment of the present application, the bank card virtual database service module is used to connect to the bank card database of the contracted bank. Through real-time information verification services, the salary card information that needs to be issued immediately or has been issued is stored in the database to build a personal bank card database. The salary card information includes: user information, bank card number, and opening bank; obtain user authorization information, and with the user's authorization, extract all personal bank card information of the user information and build personal bank card data.

[0052] As an example, the management of personal bank card data is achieved through the bank card virtual database service module, and the salary cards and personal information that need to be issued or have been issued are stored in the database, and the salary card status information is updated through bank feedback information; the personal bank card information in the payroll required for the salary payment and successful feedback supervision through specific APPs and mini-programs is extracted; with the authorization of the user, the bank card information available to the user in the bank is obtained through the name, ID card or mobile phone number with the help of specific financial services provided by the bank. Based on the weighted average of the frequency of bank card use and the success rate of issuance, the status of the card numbers in the personal bank card database is checked regularly, and banks with abnormal status are warned.

[0053] Specifically, the bank card virtual database service module: This module includes 4 parts of functions. The first part, personal bank card database: connect to the bank card database of the contracted bank or the third-party bank verification data service, and through real-time information verification services, store the salary card information that needs to be issued immediately or has been issued, and build a personal bank card database. The information stored in the database includes: name, ID number, bank card number, bank account opening bank, and mobile phone number. The second part, the automatic extraction function of personal bank cards: with the authorization of the user, extract the personal bank card information in the payroll required for the salary payment and successful feedback supervision through specific APPs and mini-programs, and build personal bank card data. At the same time, the real-time status and balance of personal banks can be queried in real time. The third part, bank card virtual library service: for users who need different bank cards to be issued, a virtual database service function is provided. With the authorization of the user, with the help of specific financial services provided by the bank, the bank card information available to the user in the bank is obtained through name, ID card or mobile phone number. The storage information of the virtual database only includes: name, ID number, and mobile phone number. Data update and early warning functions. Based on the weighted average of bank card usage frequency and issuance success rate, the card numbers in the personal bank card database are checked regularly, and banks with abnormal status are warned.

[0054] In one embodiment of the present application, if the bank card virtual database service module recognizes that the opening bank in the salary card information and the salary payment bank are not the same bank, then with the user's authorization, all available bank card information is obtained through the user information; all available bank card information is stored in the bank card virtual database for personal salary payment.

[0055] In one embodiment of the present application, the salary card management module is used to send a bank card authentication instruction to the client; in response to the bank card authentication instruction, the virtual database of bank cards for personal salary payment is independently added, deleted, queried and modified for each bank card to obtain the target bank card, and the target bank card is used as the salary payment card.

[0056] As an example, the wage card management module is used to manage wage cards on behalf of others. The user is a worker. When a worker can have multiple bank cards at multiple authorized banks at the same time, the worker enters the required bank cards into the personal bank card database through the wage card registration module; the worker can use a specific APP (Aplicant), a mini-program or a third-party platform software with integrated management permissions to realize management functions such as adding, deleting, querying and modifying personal information after being authenticated by the user authentication module; the worker can use a specific APP to complete the relevant identity authentication, and can independently add, delete, query and modify each bank card. At the same time, he can also open or close the authorization operation of the bank card virtual library service in the bank card virtual database service module.

[0057] As an example, through the payroll preparation module, the payroll administrator prepares payrolls by month based on the actual progress of the project, including basic payroll information such as month, name, ID card, bank card, payable wages, actual wages, deducted wages, and back wages.

[0058] In one embodiment of the present application, the user information of the wage card and the amount on the payroll slip are authorized and confirmed by the wage card confirmation module, and a verification request is fed back; in response to the verification request, the wage card status confirmation module performs a status check based on the weighted average of the frequency of use and the success rate of issuance of the wage card; if it is detected that the status of all wage cards is normal, the verification result is determined to be all passed; if it is detected that the status of some wage cards is abnormal, the wage cards with abnormal status are marked as failed to pass the verification, and the verification result is determined to be partially passed.

[0059] As an example, through salary card authorization and salary amount confirmation, in the construction industry, the regulatory authorities need to sign and confirm the paid wages. Due to geographical, time and other factors, when workers cannot be present to confirm, they can use a specific mobile app or WeChat applet to authorize and confirm online. Workers can use a specific mobile app or WeChat applet to call the user authentication module to confirm their identity, and then confirm and authorize the monthly payroll and payroll card.

[0060] In one embodiment of the present application, the salary card status confirmation module is used to obtain authorization from the regulatory department through a dedicated channel and issue wages in real time when the verification result is that all verifications have passed; when the verification result is that part of the verification has passed, the salary slip corresponding to the salary card marked as not having passed the verification is removed, and the authorized salary card is automatically matched to the salary card that has passed the verification to issue wages, and real-time reminders are given to users whose salary cards have been removed.

[0061] As an example, the salary card status confirmation module is used to verify the salary slips that need to be issued in real time. All the salary slips that pass the verification will be immediately authorized by the regulatory authorities through a dedicated channel and issued in real time. For some salary slips that fail to pass the verification, for salary cards that have activated the bank card virtual library service function, the system will automatically match an authorized salary for payment; for salary cards that have activated the bank card virtual library service function, the system will remove the salary information and issue the remaining part. At the same time, the workers whose salary cards have been removed will be reminded in real time. If they can be updated to a valid salary card within the specified time, the system will automatically initiate the salary payment service again. For those who fail to update the salary card in time, the system will issue a warning message and the salary will be issued again manually.

[0062] It should be noted that the system provided in the above embodiment and the method provided in the above embodiment belong to the same concept, wherein the specific manner in which each module performs the operation has been described in detail in the method embodiment, and will not be repeated here. In practical applications, the system provided in the above embodiment can allocate the above functions to different functional modules as needed, that is, divide the internal structure of the system into different functional modules to complete all or part of the functions described above, and this is not limited here.

[0063] See also Figure 4 , Figure 4 is a schematic diagram of a structure of an electronic device shown in an exemplary embodiment of the present application. It should be noted that: Figure 4 The electronic device 400 shown is only an example and should not bring any limitation to the functions and usage area of ​​the embodiments of the present application.

[0064] like Figure 4 As shown, the electronic device 400 includes a processor 401, a memory 402 and a communication bus 403; the communication bus 403 is used to connect the processor 401 and the memory 402; the processor 401 is used to execute the computer program stored in the memory 402 to implement one or more methods as in the above embodiments.

[0065] The electronic device provided in the present application includes a processor, a memory, a transceiver and a communication interface. The memory and the communication interface are connected to the processor and the transceiver and complete communication with each other. The memory is used to store computer programs, the communication interface is used to communicate, and the processor and the transceiver are used to run the computer program so that the electronic device executes each step of the above method.

[0066] In this embodiment, the memory may include a random access memory (RAM), and may also include a non-volatile memory (non-volatile memory), such as at least one disk memory.

[0067] 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, discrete hardware components.

[0068] The above embodiments are merely illustrative of the principles and effects of the present application, and are not intended to limit the present application. Anyone familiar with the technology may modify or change the above embodiments without violating the spirit and scope of the present application. Therefore, all equivalent modifications or changes made by a person of ordinary skill in the art without departing from the spirit and technical ideas disclosed in the present application shall still be covered by the claims of the present application.

Claims

1. A salary payment method supporting multiple bank cards, characterized in that: The method comprises: Confirm bank card user identity information; Building a virtual bank card database for personal salary payment based on the bank card user identity information; Specify the target bank card as the payroll card in the bank card virtual database, and prepare the payroll for the month based on the actual progress of the project, the payroll card, attendance information and work status; Confirm and verify the payroll card in the payroll for that month, and take corresponding payment measures based on the verification results.

2. The salary payment method supporting multiple bank cards according to claim 1, characterized in that: Building a virtual bank card database for personal salary payment based on the bank card user identity information includes: Based on the bank card user identity information, it connects to multiple bank systems, government platforms and third-party institutions to provide information verification services; the information verification services include salary account verification, bank card number information verification, account flow push, account details push, and personal bank card information query services; A virtual database of bank cards for personal salary payment is established through the information verification service.

3. The salary payment method supporting multiple bank cards according to claim 2, characterized in that: The virtual database of bank cards for personal salary payment is established through the information verification service, including: Connect to the bank card database of the contracted bank, and through real-time information verification services, store the salary card information that needs to be issued immediately or has been issued, and build a personal bank card database. The salary card information includes: user information, bank card number, and account opening bank; Obtain user authorization information, and with user authorization, extract all personal bank card information of the user information and build personal bank card data.

4. The salary payment method supporting multiple bank cards according to claim 3, characterized in that: Extract all personal bank card information of the user information and build personal bank card data, including: If it is identified that the bank where the account is opened in the salary card information is not the same bank as the salary payment bank, then with the user's authorization, all available bank card information is obtained through the user information; All available bank card information is stored in the virtual database of the bank card for the individual salary payment.

5. The salary payment method supporting multiple bank cards according to claim 4, characterized in that: Specifying a target bank card as a salary payment card in the virtual database of bank cards for personal salary payment includes: Send bank card authentication instructions to the client; In response to the bank card authentication instruction, each bank card in the virtual database of bank cards for personal salary payment is independently added, deleted, queried and modified to obtain a target bank card, which is used as a salary payment card.

6. The salary payment method supporting multiple bank cards according to claim 1, characterized in that: Confirm and verify the payroll card in the payroll for the current month, including: Authorize and confirm the user information of the wage card issued on behalf of the employee and the amount on the wage slip, and respond to the verification request; In response to the verification request, a status check is performed based on a weighted average of the usage frequency and the payment success rate of the wage payment card; If it is detected that the status of all the payroll cards is normal, the verification result is determined as all passed the verification; if it is detected that the status of some of the payroll cards is abnormal, the payroll cards with abnormal status will be marked as failed verification, and the verification result is determined as partially passed the verification.

7. The salary payment method supporting multiple bank cards according to claim 1, characterized in that: Take corresponding issuance measures based on the verification results, including: When the verification result is that all verifications have been passed, the authorization of the regulatory authorities is obtained through a dedicated channel and issued in real time; When the verification result is partially passed, the payroll corresponding to the payroll card marked as not passed the verification is removed, the payroll card that passed the verification is automatically matched with the authorized payroll card to pay wages, and the user whose payroll card was removed is reminded in real time.

8. A salary payment system supporting multiple bank cards, characterized in that: The system comprises: User authentication module, used to confirm the identity information of bank card users; A bank card virtual database service module, used to build a bank card virtual database for personal salary payment based on the bank card user identity information; The salary card management module is used to specify the target bank card in the bank card virtual database as the salary card for agency payment; The payroll preparation module is used to prepare the monthly payroll based on the actual progress of the project, the payroll card, attendance information and work status; A salary card confirmation module is used to confirm the salary card in the salary slip of the current month; The salary card status confirmation module is used to verify the status of the salary card and take corresponding payment measures according to the verification result.

9. An electronic device, characterized in that: The electronic device comprises: one or more processors; A storage system for storing one or more programs, which, when executed by the one or more processors, enables the electronic device to implement the salary payment method supporting multiple bank cards as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: A computer program is stored thereon, and the computer program is used to enable a computer to execute the salary payment method supporting multiple bank cards as described in any one of claims 1 to 7.

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