Financial product payment method and device, medium and program product

Abstract

The invention discloses a financial product payment method and device, a medium and a program product, and relates to the field of financial science and technology. The method comprises the steps that a payment request for a target financial product is acquired, and the payment request is used for indicating the current payment amount of a first target payment main body in the current payment period; according to pre-stored payment supplementing and returning information, the payment supplementing and returning amount corresponding to the first target payment main body is determined, and the payment supplementing and returning information comprises the payment supplementing and returning amount corresponding to each payment main body in the historical payment period with the adjusted payment cardinal number; determining a target payment amount of the first target payment main body in the current payment period according to the current payment amount and the payment supplementing and returning amount corresponding to the first target payment main body; and performing payment in the target financial product according to the target payment amount. The method achieves the automatic processing of the compensation and withdrawal amount from the offset to the current payment period, is higher in efficiency, achieves the refined payment processing, and improves the data accuracy and consistency.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a payment method, device, medium and program product for a financial product. Background Art

[0002] In the payment process of financial products, there may be scenarios where the paid fees need to be adjusted for various reasons, which will involve supplementary payment and refund operations. With the increasing refinement of financial product account management, the requirements for supplementary payment and refund operations are also getting higher and higher.

[0003] In the related art, the supplementary payment and refund operation can be realized by netting the difference between the supplementary payment and refund amount in the historical payment cycle and the current payment cycle. In the current payment cycle, if there is a difference between the supplementary payment and refund amount in the current payment cycle, it is necessary to manually calculate the supplementary payment and refund amount in the historical payment cycle, and then modify the payment amount of the current payment month based on the supplementary payment and refund amount, so as to realize the supplementary payment and refund operation.

[0004] However, the above process requires manual calculation of the supplementary payment amount, and manual modification of the payment amount for the current payment month, resulting in low payment efficiency and accuracy. Summary of the invention

[0005] The present invention provides a payment method, device, medium and program product for a financial product, so as to solve the technical problem that the payment method for a financial product in the related art has low payment efficiency and accuracy.

[0006] According to one aspect of the present invention, a method for paying a financial product is provided, the method comprising:

[0007] Obtaining a payment request for a target financial product; wherein the payment request is used to indicate a current payment amount of the first target payment subject in a current payment cycle;

[0008] Determine the supplementary payment amount corresponding to the first target payment subject according to the pre-stored supplementary payment information; wherein the supplementary payment information includes the supplementary payment amount corresponding to the historical payment period of each payment subject in which the payment base has been adjusted;

[0009] Determine the target payment amount of the first target payment subject in the current payment cycle according to the current payment amount and the supplementary payment amount corresponding to the first target payment subject;

[0010] Payment is made to the target financial product according to the target payment amount.

[0011] According to another aspect of the present invention, there is provided a payment device for a financial product, the device comprising:

[0012] A first acquisition module is used to acquire a payment request for a target financial product; wherein the payment request is used to indicate a current payment amount of a first target payment subject in a current payment cycle;

[0013] A first determination module is used to determine the supplementary payment amount corresponding to the first target payment subject according to the pre-stored supplementary payment information; wherein the supplementary payment information includes the supplementary payment amount corresponding to the historical payment period of each payment subject in which the payment base has been adjusted;

[0014] A second determination module is used to determine the target payment amount of the first target payment subject in the current payment cycle according to the current payment amount and the supplementary payment amount corresponding to the first target payment subject;

[0015] A payment module is used to pay the target financial product according to the target payment amount.

[0016] According to another aspect of the present invention, an electronic device is provided, the electronic device comprising:

[0017] at least one processor; and

[0018] a memory communicatively connected to the at least one processor; wherein,

[0019] The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the payment method for a financial product described in any embodiment of the present invention.

[0020] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores a computer program, wherein the computer program is used to enable a processor to implement the payment method for a financial product described in any embodiment of the present invention when executed.

[0021] According to another aspect of the present invention, a computer program product is provided, comprising a computer program, wherein when the computer program is executed by a processor, the method for paying a financial product according to any one of the embodiments of the present invention is implemented.

[0022] The technical solution of the embodiment of the present invention includes: obtaining a payment request for a target financial product, wherein the payment request is used to indicate the current payment amount of a first target payer in a current payment cycle; determining the supplementary payment amount corresponding to the first target payer based on pre-stored supplementary payment information, wherein the supplementary payment information includes the supplementary payment amount corresponding to each payer in a historical payment cycle with an adjusted payment base; determining the target payment amount of the first target payer in the current payment cycle based on the current payment amount and the supplementary payment amount corresponding to the first target payer; and making payment in the target financial product according to the target payment amount. It has the following technical effects: on the one hand, by obtaining the supplementary payment amount corresponding to the first target payer, and then determining the target payment amount based on the current payment amount and the supplementary payment amount corresponding to the first target payer, it realizes automatic processing of the supplementary payment amount for the current payment period after netting, which is more efficient than manual processing. At the same time, it realizes refined payment processing and improves data accuracy and consistency. On the other hand, the supplementary payment information includes the supplementary payment amount corresponding to the historical payment period of each payer in the adjusted payment base, which realizes that according to the supplementary payment amount for the historical payment period of the adjusted payment base, the supplementary payment amount corresponding to the first target payer can be determined, further improving payment efficiency.

[0023] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0025] Figure 1 is a flow chart of a payment method for a financial product provided by an embodiment of the present invention;

[0026] Figure 2 It is a schematic diagram of an application scenario of the payment method of a financial product provided by an embodiment of the present invention;

[0027] Figure 3 is a flow chart of another payment method for a financial product provided by an embodiment of the present invention;

[0028] Figure 4 It is a structural schematic diagram of a payment device for a financial product provided by an embodiment of the present invention;

[0029] Figure 5 It is a schematic diagram of the structure of an electronic device for implementing the payment method of a financial product according to an embodiment of the present invention. DETAILED DESCRIPTION

[0030] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0031] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the term "comprising" and any variation thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices. The acquisition, storage, use, processing, etc. of data in the embodiments of the present invention all comply with the relevant provisions of national laws and regulations.

[0032] Figure 1 This is a flow chart of a payment method for a financial product provided by an embodiment of the present invention. This embodiment can be applied to realize payment of financial products in a scenario where there is a difference in the amount of supplementary payment or refund in the current payment cycle. The method can be executed by a payment device of the financial product (hereinafter referred to as the payment device), which can be implemented in the form of hardware and / or software. The payment device can be configured in an electronic device, for example, a server or an electronic device. Figure 1 As shown, the method includes the following steps 101 to 104.

[0033] Step 101: Obtain a payment request for a target financial product.

[0034] The payment request is used to indicate the current payment amount of the first target payment subject in the current payment cycle.

[0035] Financial products refer to various tools and services provided by financial institutions or markets to meet customers' investment, financing, risk management and other needs. The target financial product in this embodiment refers to a certain financial product for which the payment request is made. For example, the target financial product in this embodiment may be an enterprise annuity, an occupational annuity, a securities product, a structured product, etc.

[0036] The payment cycle in this embodiment refers to the time interval for paying the corresponding amount to the financial institution in accordance with the financial product contract. Optionally, the payment cycle in this embodiment can be 1 month, 1 quarter, half a year, 1 year, etc. Exemplarily, the payment cycle in this embodiment can be 1 month. That is, the payment is made for the target financial product every 1 month. The current payment cycle refers to the latest payment cycle that has not been paid. For example, the current payment cycle can be December 2024.

[0037] Based on the different financial products, the payer in this embodiment can be an individual, an enterprise or other organization. Optionally, when the financial product is an enterprise annuity, the payer in this embodiment is an individual.

[0038] The payment request in this embodiment may be sent by the user, or generated by the upstream business and sent to the payment device in this embodiment, or automatically generated by the payment device. This embodiment can realize payment for each payer when there is a difference in the amount of supplementary payment or refund payment for the current payment period. The payment request in this embodiment is used to indicate the current payment amount of the first target payer in the current payment period. Exemplarily, when the target financial product is an enterprise annuity, the first target payer may be an employee in the enterprise.

[0039] Optionally, the current payment amount may be an amount determined according to the original payment base of the current payment period. For example, the current payment amount is equal to the product of the original payment base of the current payment period and a preset payment ratio.

[0040] Optionally, in this embodiment, the latest payment base of the previous payment cycle of the current payment cycle can be determined as the original payment base of the current payment cycle. In the scenario where the payment base of the previous payment cycle has not been adjusted, the latest payment base of the previous payment cycle is the original payment base of the previous payment cycle; in the scenario where the payment base of the previous payment cycle has been adjusted, the latest payment base of the previous payment cycle is the adjusted payment base of the previous payment cycle. For example, assuming that the original payment base of the previous payment cycle of the current payment cycle is 1,000 yuan, and the original payment base of the previous payment cycle has not been adjusted as of the time the payment request is received, the original payment base of the current payment cycle is the original payment base of the previous payment cycle, that is, 1,000 yuan. Assuming that the original payment base of the previous payment cycle of the current payment cycle is 1,000 yuan, and before the current payment cycle, the original payment base of the previous payment cycle is adjusted to 1,200 yuan, then the original payment base of the current payment cycle is the adjusted payment base of the previous payment cycle, that is, 1,200 yuan.

[0041] Step 102: Determine the supplementary payment amount corresponding to the first target payer based on the pre-stored supplementary payment information.

[0042] Among them, the supplementary payment and refund information includes the supplementary payment and refund amount corresponding to the historical payment period of each payer in the adjusted payment base.

[0043] This embodiment can realize the pre-determination of supplementary payment information. The supplementary payment information in this embodiment includes the supplementary payment amount corresponding to the historical payment period of each payer in which the payment base has been adjusted. In other words, when the payment base of a payer in a historical payment period is adjusted, it is equivalent to the appearance of the supplementary payment amount, and the supplementary payment amount corresponding to the historical payment period of the adjusted payment base is added to the supplementary payment information.

[0044] In one scenario, the supplementary payment and refund information in this embodiment is stored in the payment device, and the supplementary payment and refund amount corresponding to the first target payment entity can be determined directly based on the supplementary payment and refund information.

[0045] In another scenario, in order to improve the operating efficiency of the payment device, the supplementary payment information is stored in a storage device. In step 102, a request for obtaining the supplementary payment amount needs to be sent to the storage device. The request for obtaining the supplementary payment amount is used to indicate obtaining the supplementary payment amount corresponding to the historical payment period of the adjusted payment base of the first target payer. The payment device receives the supplementary payment amount corresponding to the historical payment period of the adjusted payment base of the first target payer fed back by the storage device according to the supplementary payment amount acquisition request. The payment device determines the supplementary payment amount corresponding to the first target payer according to the supplementary payment amount corresponding to the historical payment period of the adjusted payment base of the first target payer.

[0046] Figure 2 FIG. 1 is a schematic diagram of an application scenario of the payment method for a financial product provided in an embodiment of the present invention. The implementation process of this scenario is as follows: Figure 2 As shown, the payment device 21 sends a request for obtaining the supplementary payment amount to the storage device 22. According to the request for obtaining the supplementary payment amount, the storage device 22 feeds back to the payment device 21 the supplementary payment amount corresponding to the historical payment period of the first target payment subject whose payment base has been adjusted.

[0047] In one implementation, if the number of the supplementary payment amount corresponding to the historical payment period of the adjusted payment base of the first target payment subject is one, that is, the historical payment period of the adjusted payment base corresponding to the first target payment subject is one, then the supplementary payment amount corresponding to the first target payment subject is the supplementary payment amount corresponding to the historical payment period of the adjusted payment base. For example, in the scenario where the payment period is a month, assuming that the current payment period is December 2024, the scenario corresponding to this implementation is that only the payment base corresponding to the first target payment subject in May 2024 is adjusted.

[0048] In another implementation, the first target payer has multiple amounts of supplementary payment corresponding to the historical payment period in which the payment base has been adjusted, that is, the first target payer has at least two historical payment periods in which the payment base has been adjusted. For example, in a scenario where the payment period is a month, assuming that the current payment period is December 2024, the implementation corresponds to a scenario where the payment base of the first target payer in May 2024, August 2024, and October 2024 has been adjusted.

[0049] In this implementation, in order to achieve refined management of the supplementary payment amount corresponding to each historical payment period of the adjusted payment base in the supplementary payment information, the supplementary payment information also includes the processing status of the supplementary payment amount corresponding to the historical payment period of the adjusted payment base for each payment subject. The processing status in this embodiment includes: processed status, processing status, and unprocessed status. In this implementation, the implementation process of step 102 includes the following steps 1021 to 1023.

[0050] Step 1021: Obtain the unprocessed supplementary payment amount of the first target payer in the historical payment cycle with adjusted payment base from the supplementary payment information.

[0051] Step 1022: The sum of the supplementary payment and refund amounts in an unprocessed state is determined as the supplementary payment and refund amount corresponding to the first target payer.

[0052] The difference between the supplementary payment amount corresponding to the first target payer in this embodiment and the supplementary payment amount in an unprocessed state in the historical payment period of the first target payer in the adjusted payment base is that the dimensions of measurement are different: the supplementary payment amount corresponding to the first target payer refers to the sum of all supplementary payment amounts in an unprocessed state in multiple historical payment periods of the first target payer in which the payment base has been adjusted.

[0053] Step 1023: Update the status of the supplementary refund amount that is in an unprocessed state to a processed state.

[0054] In order to avoid subsequent repeated processing, in step 1023, the status of the processed supplementary refund amount that is in an unprocessed state is updated to a processed state.

[0055] The above steps 1021 to 1023 realize the refined management of the supplementary payment and refund amounts corresponding to each historical payment period with adjusted payment base in the supplementary payment and refund information, avoid obtaining the supplementary payment and refund amounts that have been processed, and improve the data accuracy and consistency during the payment process.

[0056] For ease of implementation, the supplementary payment information in this embodiment may be a supplementary payment table. Table 1 shows an implementation of a supplementary payment table. In Table 1, it is assumed that the payment period is monthly, and the historical payment periods for which the payment base has been adjusted are May 2024, August 2024, and October 2024.

[0057] Table 1 A supplementary payment form

[0058]

[0059]

[0060] Assuming that the first target payment subject is payment subject 2, the corresponding supplementary payment amount of payment subject 2 determined based on steps 1021 to 1023 is: 40+20-10=50 yuan. Afterwards, based on step 1023, the processing status of the supplementary payment amount of each month of the payment subject in Table 1 is updated from "unprocessed status" to "processed status".

[0061] It should be noted that in the scenario where the amount of supplementary payment corresponding to the first target payment subject in this embodiment is a positive number, it indicates that supplementary payment is required. In the scenario where the amount of supplementary payment corresponding to the first target payment subject in this embodiment is a negative number, it indicates that refund is required.

[0062] Step 103: Determine the target payment amount of the first target payer in the current payment cycle based on the current payment amount and the supplementary payment amount corresponding to the first target payer.

[0063] In one implementation, the current payment amount is one, and the sum of the current payment amount and the supplementary payment amount corresponding to the first target payment subject is determined as the target payment amount of the first target payment subject in the current payment cycle. For example, assuming that the current payment amount is 120 yuan, and the supplementary payment amount corresponding to the first target payment subject is -20 yuan, then the target payment amount of the first target payment subject in the current payment cycle is 120-20=100 yuan.

[0064] In another implementation, the number of current payment amounts is at least two, and each current payment amount corresponds to a related party. This implementation corresponds to a scenario where multiple related parties pay for the same payment subject. For example, if the financial product is an enterprise annuity, the payment subject is the employee of the enterprise, and the related parties are the employee and the enterprise. In other words, the employee needs to pay a part of the amount, and the enterprise needs to pay a part of the amount for the employee.

[0065] In this implementation, the number of supplementary payment amounts corresponding to the first target payment subject is at least two, and each supplementary payment amount corresponding to the first target payment subject is associated with a current payment amount. The number of target payment amounts is at least two, and each target payment amount corresponds to a current payment amount. Based on this implementation, the implementation process of step 103 may be: for each current payment amount, according to the current payment amount and the supplementary payment amount corresponding to the first target payment subject, the supplementary payment amount corresponding to the current payment amount, determine the target payment amount corresponding to the current payment amount.

[0066] For example, if the target financial product is an enterprise annuity, and the first target payment subject is employee A, then the current payment amount of employee A in the current payment cycle is two: one is the current payment amount of the enterprise, which is determined according to the enterprise payment base and the preset enterprise payment ratio; the other is the current payment amount of employee A, which is determined according to the employee payment base and the preset employee payment ratio. The enterprise payment ratio and the employee payment ratio can be the same or different.

[0067] Correspondingly, the number of supplementary refund amounts corresponding to employee A is also two, one is the enterprise supplementary refund amount corresponding to employee A, and the other is the employee A supplementary refund amount corresponding to employee A. Correspondingly, the number of target payment amounts determined in step 103 is also two, one is the enterprise target payment amount, and the other is the employee A target payment amount. Among them, the enterprise target payment amount is the sum of the enterprise's current payment amount and the enterprise supplementary refund amount. The employee A target payment amount is the sum of the employee A's current payment amount and the employee A supplementary refund amount.

[0068] In this implementation, it can be understood that in a payment cycle, each relevant party corresponds to a payment base, and the payment amount of each relevant party is the product of the payment base and the corresponding payment ratio.

[0069] Based on this implementation, the supplementary payment information also includes the identifiers of the various related parties of the payment subject. Each related party has a corresponding supplementary payment amount in the historical payment cycle in which the payment base has been adjusted.

[0070] It can be understood that when determining the supplementary payment amount corresponding to each related party corresponding to the first target payer, that is, each current payment amount, it can be achieved based on steps 1021 to 1023: from the supplementary payment information, obtain the supplementary payment amount in an unprocessed state for each related party of the first target payer in the historical payment cycle with adjusted payment base; determine the sum of the supplementary payment amounts in an unprocessed state as the supplementary payment amount corresponding to the related party of the first target payer; update the status of the above-mentioned supplementary payment amount in an unprocessed state to a processed state.

[0071] Table 2 shows another implementation method of the supplementary payment table. In Table 2, it is assumed that the payment period is monthly, the historical payment periods of the adjusted payment base are August 2024 and October 2024, and there are two related parties: the enterprise and the employee.

[0072] Table 2 Another form of supplementary refund

[0073]

[0074] Assuming that the first target payer is payer 2, the supplementary refund amount corresponding to the enterprise of payer 2 determined based on steps 1021 to 1023 is: 90+70=160 yuan, and the supplementary refund amount corresponding to the employees of payer 2 is: 40+20=60 yuan.

[0075] Step 104: Make payment to the target financial product according to the target payment amount.

[0076] After the target payment amount is determined, payment can be made to the target financial product according to the target payment amount. The specific payment method is based on the agreed method of the target financial product, which will not be described in detail in this embodiment.

[0077] It can be understood that the present embodiment realizes the automatic processing of the difference to the supplementary payment and refund amount of the current payment cycle. On the one hand, there is no need for personnel to balance the amount, which greatly reduces manual operations and realizes the automated processing of the supplementary payment and refund process, thereby significantly improving work efficiency. On the other hand, it improves data accuracy and consistency, and utilizes the automatic processing of the supplementary payment and refund amount when paying to ensure the accuracy and consistency of the data, which can not only reduce disputes caused by data errors, but also improve the level of refinement of accounting management. On the other hand, by simplifying the operating procedures, enterprises can reduce manpower investment in supplementary payment operations and reduce operating costs. At the same time, due to the improvement of work efficiency and data accuracy, enterprises can also reduce additional costs caused by incorrect operations or data inconsistencies, and further improve corporate benefits. The above advantages make the payment method of financial products provided in this embodiment have broad application prospects and market value in the fields of payment processing and payment systems of financial products.

[0078] Furthermore, after step 104, the payment method for the financial product provided in this embodiment may also include the following steps: obtaining the original payment base of the current payment period; adding the mapping relationship between the information of the first target payer, the current payment period and the original payment base of the current payment period to the pre-established base information.

[0079] In this embodiment, cardinality information is also pre-established.

[0080] Optionally, the base information in this embodiment includes information of each payment subject, the payment period, and the original payment base of the payment period.

[0081] Optionally, the base information in this embodiment includes the mapping relationship between the information of each payment subject, the payment period, the original payment base of the payment period, and the adjusted payment base of the payment period. The purpose of setting the original payment base and the adjusted payment base is to facilitate the determination of the supplementary payment information based on the base information. This scheme will be described in detail in subsequent embodiments. In the absence of a supplementary payment amount, the original payment base and the adjusted payment base should be equal.

[0082] In the case where the base information includes the adjusted payment base of the payment cycle, the mapping relationship between the information of the first target payment subject, the current payment cycle, the original payment base of the current payment cycle, and the adjusted payment base of the current payment cycle is added to the pre-established base information, wherein the original payment base of the current payment cycle and the adjusted payment base of the current payment cycle are equal.

[0083] For ease of implementation, the cardinality information can be implemented through a cardinality table. Table 3 shows the implementation of the cardinality table. In Table 3, it is assumed that the payment cycle is monthly, and May 2024 is used as an example for illustration. Each payment subject corresponds to two related parties.

[0084] Table 3 Cardinality table

[0085]

[0086] Assuming that the current payment period is December 2024, the first target payment subject is payment subject 1, the original payment base of the first related party is 1200, and the original payment base of the second related party is 3300, then add the mapping relationship between payment subject 1, December 2024, and the original payment base of each related party in Table 3. The adjusted payment base of December 2024 in Table 3 can be set to be equal to the corresponding original payment base.

[0087] In this implementation method, the base information can be updated according to the payment situation of the current payment period, so as to facilitate the subsequent determination of the supplementary payment amount of the first target person in the current payment period based on the original payment base of the first target payer in the current payment period in the base information, so as to improve the payment efficiency and accuracy.

[0088] The payment method for a financial product provided in this embodiment includes: obtaining a payment request for a target financial product, wherein the payment request is used to indicate a current payment amount of a first target payer in a current payment cycle; determining a supplementary payment amount corresponding to the first target payer based on pre-stored supplementary payment information, wherein the supplementary payment information includes the supplementary payment amounts corresponding to each payer in a historical payment cycle with an adjusted payment base; determining a target payment amount of the first target payer in the current payment cycle based on the current payment amount and the supplementary payment amount corresponding to the first target payer; and making payment in the target financial product based on the target payment amount. It has the following technical effects: on the one hand, by obtaining the supplementary payment amount corresponding to the first target payer, and then determining the target payment amount based on the current payment amount and the supplementary payment amount corresponding to the first target payer, it realizes automatic processing of the supplementary payment amount for the current payment period after netting, which is more efficient than manual processing. At the same time, it realizes refined payment processing and improves data accuracy and consistency. On the other hand, the supplementary payment information includes the supplementary payment amount corresponding to the historical payment period of each payer in the adjusted payment base, which realizes that according to the supplementary payment amount for the historical payment period of the adjusted payment base, the supplementary payment amount corresponding to the first target payer can be determined, further improving payment efficiency.

[0089] Figure 3 is a flow chart of another payment method for a financial product provided by an embodiment of the present invention. Figure 1Based on the illustrated embodiments and various optional implementations, the generation method of the supplementary payment information and the generation method of the payment information corresponding to the payment subject are described in detail. Figure 3 As shown, the payment method for the financial product provided in this embodiment includes the following steps 301 to 308.

[0090] Step 301: Obtain a payment base adjustment request.

[0091] Among them, the payment base adjustment request includes: the target historical payment period, the information of the second target payment entity and the adjusted payment base.

[0092] The second target payment entity in this embodiment may be the same as or different from the first target payment entity in the previous embodiment.

[0093] The payment base adjustment request may be sent by a user, or generated by an upstream service and sent to the payment device in this embodiment, or automatically generated by the payment device. The target historical payment cycle in this embodiment refers to the payment cycle in the historical payment cycle for which the payment base needs to be adjusted.

[0094] In this embodiment, the number of target historical payment cycles may be one or more. In a scenario where there are multiple related parties in the second target payment subject, the number of adjusted payment bases may be multiple, and each related party corresponds to an adjusted payment base. The multiple adjusted payment bases may be the same or different.

[0095] Step 302: Determine the supplementary payment amount corresponding to the target historical payment period of the second target payer based on the original payment base of the second target payer in the target historical payment period and the adjusted payment base in the base information.

[0096] In one implementation, the difference between the adjusted payment base included in the payment base adjustment request and the original payment base is determined as the supplementary payment amount corresponding to the target historical payment period of the second target payer.

[0097] In another implementation, the implementation process of step 302 may include: determining the difference between the adjusted payment base and the original payment base in the target historical payment period; and determining the product of the difference and the preset payment ratio as the supplementary payment amount corresponding to the target historical payment period for the second target payer.

[0098] In the scenario where there are multiple related parties of the second target payer, the amount of supplementary payment and refund corresponding to the related parties of the second target payer in the target historical payment period can be determined based on the original payment base of each related party of the second target payer in the target historical payment period and the adjusted payment base of the related party.

[0099] Step 303: Add the mapping relationship between the information of the second target payee, the target historical payment period, and the corresponding supplementary payment amount of the second target payee in the target historical payment period to the supplementary payment information.

[0100] Step 303 implements the mapping relationship of adding the information of the second target payee, the target historical payment period, and the corresponding supplementary payment amount of the second target payee in the target historical payment period to the supplementary payment information.

[0101] Continuing with Table 2 in the previous embodiment as an example, assuming that the employee contribution base and the enterprise contribution base of payer 3 in September 2024 are both adjusted, the employee supplementary refund amount in September 2024 and the enterprise supplementary refund amount in September 2024 can be obtained based on steps 301 and 302. Then, the mapping relationship between payer 3, September 2024, employee supplementary refund amount in September 2024, and enterprise supplementary refund amount in September 2024 is added to Table 3.

[0102] Step 304: Update the original payment base of the second target payer in the target historical payment period in the base information to the adjusted payment base.

[0103] In order to avoid the subsequent repeated calculation of the supplementary payment amount in the target historical payment period, the original payment base of the second target payment subject in the target historical payment period in the base information is updated to the adjusted payment base included in the payment base adjustment request to achieve the update of the original payment base. For example, assuming that the original payment base in the target historical payment period is 1,000 yuan, and the adjusted payment base in the target historical payment period in the payment base adjustment request is 1,200 yuan, then in step 304, the original payment base in the target historical payment period is updated to 1,200 yuan.

[0104] It should be noted that, in the scenario where the base information includes the original payment base and the adjusted payment base, and when the payment base of a payment period is written into the base information for the first time, the adjusted payment base of the payment period is the same as the original payment base of the payment period, before executing step 304, the adjusted payment base of the second target payer in the target historical payment period in the base information can be updated to the adjusted payment base included in the payment base adjustment request, and then step 304 can be executed.

[0105] The above steps 301 to 304 realize that only the payment base needs to be adjusted to obtain the supplementary payment amount corresponding to the target historical payment period, thereby simplifying the operation process, reducing the manpower investment in the supplementary payment operation, reducing operating costs, and improving corporate benefits.

[0106] Step 305: Obtain a payment request for the target financial product.

[0107] The payment request is used to indicate the current payment amount of the first target payment subject in the current payment cycle.

[0108] Step 306: Determine the supplementary payment amount corresponding to the first target payer based on the pre-stored supplementary payment information.

[0109] Among them, the supplementary payment and refund information includes the supplementary payment and refund amount corresponding to the historical payment period of each payer in the adjusted payment base.

[0110] Step 307: Determine the target payment amount of the first target payer in the current payment cycle based on the current payment amount and the supplementary payment amount corresponding to the first target payer.

[0111] Step 308: Make payment in the target financial product according to the target payment amount.

[0112] The implementation process and technical principle of step 305 and step 201, step 306 and step 202, step 307 and step 203, and step 308 and step 204 are similar, and will not be repeated here.

[0113] Step 309: In the payment information corresponding to the pre-established first target payer, add the mapping relationship between the current payment period, the current payment amount of the current payment period, the supplementary payment amount corresponding to the first target payer, the historical payment period of the adjusted payment base corresponding to the first target payer, and the supplementary payment amount corresponding to the historical payment period of the adjusted payment base of the first target payer.

[0114] Optionally, in this embodiment, in order to facilitate accounting, to achieve retrospective tracing or to facilitate each payer to query payment details, payment information corresponding to each payer is pre-established. In step 309, a mapping relationship is implemented to add the current payment cycle, the current payment amount of the current payment cycle, the supplementary payment amount corresponding to the first target payer, the historical payment cycle of the adjusted payment base corresponding to the first target payer, and the supplementary payment amount corresponding to the historical payment cycle of the adjusted payment base of the first target payer in the payment information corresponding to the first target payer.

[0115] For example, assuming that the first target payer is employee B, the following information has been recorded in the corresponding payment information: 100 yuan personal payment and 200 yuan enterprise payment in October 2024; 100 yuan personal payment and 200 yuan enterprise payment in September 2024; 100 yuan personal payment and 200 yuan enterprise payment in August 2024. When making payment in November 2024, a refund was made for August 2024, and 20 yuan personal payment was refunded. Then, add the following information to the payment information corresponding to employee B: 100 yuan personal payment and 200 yuan enterprise payment in November 2024, and -20 yuan personal payment in August 2024.

[0116] Step 309 realizes the payment information recording based on the granularity of the payer, which is convenient for subsequent tracing and realizes refined payment processing.

[0117] The payment method for financial products provided in this embodiment, on the one hand, realizes that only the payment base needs to be adjusted to obtain the amount of supplementary payment corresponding to the target historical payment period, simplifies the operation process, reduces the manpower input in the supplementary payment operation, reduces operating costs, and improves corporate benefits. On the other hand, by adding the payment details of the payer to the payment information corresponding to the first target payer, the payment information record with the payer as the granularity is realized, which is convenient for subsequent tracing and realizes refined payment processing.

[0118] Figure 4 1 is a schematic diagram of a payment device for a financial product provided by an embodiment of the present invention. The device is arranged in an electronic device. Figure 4 As shown, the payment device for financial products provided in this embodiment includes the following modules: a first acquisition module 41 , a first determination module 42 , a second determination module 43 and a payment module 44 .

[0119] The first acquisition module 41 is used to acquire a payment request for a target financial product.

[0120] The payment request is used to indicate the current payment amount of the first target payment subject in the current payment cycle.

[0121] The first determination module 42 is used to determine the supplementary payment amount corresponding to the first target payer according to the pre-stored supplementary payment information.

[0122] Among them, the supplementary payment and refund information includes the supplementary payment and refund amount corresponding to the historical payment period of each payer in the adjusted payment base.

[0123] The second determination module 43 is used to determine the target payment amount of the first target payer in the current payment cycle according to the current payment amount and the supplementary payment amount corresponding to the first target payer.

[0124] The payment module 44 is used to pay the target financial product according to the target payment amount.

[0125] In one embodiment, the current payment amount is an amount determined according to the original payment base of the current payment period. The device also includes: a second acquisition module and a first adding module.

[0126] The second acquisition module is used to obtain the original payment base of the current payment period.

[0127] The first adding module is used to add the mapping relationship between the information of the first target payer, the current payment period and the original payment base of the current payment period to the pre-established base information.

[0128] In one embodiment, the device further includes: a third acquisition module, a third determination module, a second adding module and a first updating module.

[0129] The third acquisition module is used to obtain a payment base adjustment request.

[0130] The payment base adjustment request includes: the target historical payment period, information of the second target payment subject and the adjusted payment base.

[0131] The third determination module is used to determine the corresponding supplementary refund amount of the second target payer in the target historical payment period based on the original payment base of the second target payer in the target historical payment period and the adjusted payment base in the base information.

[0132] The second adding module is used to add the information of the second target payee, the target historical payment period and the mapping relationship between the supplementary payment amount corresponding to the target historical payment period by the second target payee in the supplementary payment information.

[0133] The first updating module is used to update the original payment base of the second target payer in the target historical payment period in the base information to the adjusted payment base.

[0134] In one embodiment, the third determination module is specifically used to: determine the difference between the adjusted payment base and the original payment base in the target historical payment period; and determine the product of the difference and the preset payment ratio as the supplementary payment amount corresponding to the second target payer in the target historical payment period.

[0135] In one embodiment, the supplementary payment information also includes the processing status of the supplementary payment amount corresponding to the historical payment period of the adjusted payment base for each payer, and the processing status includes: processed status, processing status and unprocessed status, and the number of historical payment periods of the adjusted payment base corresponding to the first target payer is at least two. The first determination module 42 is specifically used to: obtain the supplementary payment amount in the unprocessed state of the first target payer in the historical payment period of the adjusted payment base from the supplementary payment information; determine the sum of the supplementary payment amount in the unprocessed state as the supplementary payment amount corresponding to the first target payer; and update the status of the supplementary payment amount in the unprocessed state to the processed state.

[0136] In one embodiment, the number of the current payment amounts is at least two, and each of the current payment amounts corresponds to a related party. The number of the supplementary payment amounts corresponding to the first target payment subject is at least two, and each supplementary payment amount corresponding to the first target payment subject is associated with one current payment amount. The number of the target payment amounts is at least two, and each of the target payment amounts corresponds to one current payment amount. The second determination module 43 is specifically used to: for each of the current payment amounts, determine the target payment amount corresponding to the current payment amount according to the current payment amount and the supplementary payment amount corresponding to the first target payment subject, and the supplementary payment amount corresponding to the current payment amount.

[0137] In one embodiment, the device also includes: a third adding module, used to: add the current payment cycle, the current payment amount of the current payment cycle, the supplementary payment amount corresponding to the first target paying subject, the historical payment cycle of the adjusted payment base corresponding to the first target paying subject, and the mapping relationship between the supplementary payment amount corresponding to the historical payment cycle of the adjusted payment base of the first target paying subject in the payment information corresponding to the pre-established first target paying subject.

[0138] The payment device for financial products provided in the embodiments of the present invention can execute the payment method for financial products provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0139] Figure 5Schematic diagram of the structure of an electronic device for implementing the payment method of the financial product of the embodiment of the present invention. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or claimed herein.

[0140] like Figure 5 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0141] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0142] The processor 11 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as a payment method for a financial product.

[0143] In some embodiments, the payment method of the financial product may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the payment method of the financial product described above may be performed. Alternatively, in other embodiments, the processor 11 may be configured to execute the payment method of the financial product in any other appropriate manner (e.g., by means of firmware).

[0144] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0145] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0146] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0147] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0148] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0149] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0150] An embodiment of the present invention further provides a computer program product, including a computer program, which, when executed by a processor, implements a payment method for a financial product as provided in any embodiment of the present invention.

[0151] In the process of implementation, the computer program product can be written in one or more programming languages ​​or a combination thereof to perform the computer program code of the present invention, including object-oriented programming languages, such as Java, Smalltalk, C++, and conventional procedural programming languages, such as "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer can be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (for example, using an Internet service provider to connect through the Internet).

[0152] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0153] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A payment method for a financial product, characterized in that: The method comprises: Obtaining a payment request for a target financial product; wherein the payment request is used to indicate a current payment amount of the first target payment subject in a current payment cycle; Determine the supplementary payment amount corresponding to the first target payment subject according to the pre-stored supplementary payment information; wherein the supplementary payment information includes the supplementary payment amount corresponding to the historical payment period of each payment subject in which the payment base has been adjusted; Determine the target payment amount of the first target payment subject in the current payment cycle according to the current payment amount and the supplementary payment amount corresponding to the first target payment subject; Payment is made to the target financial product according to the target payment amount.

2. The method according to claim 1, characterized in that The current payment amount is the amount determined based on the original payment base of the current payment period; The method further comprises: Obtaining the original payment base of the current payment period; The mapping relationship between the information of the first target payment subject, the current payment period and the original payment base of the current payment period is added to the pre-established base information.

3. The method according to claim 2, characterized in that The method further comprises: Obtaining a payment base adjustment request; wherein the payment base adjustment request includes: a target historical payment cycle, information of a second target payment subject, and an adjusted payment base; Determine the amount of supplementary payment corresponding to the target historical payment period by the second target payer according to the original payment base of the second target payer in the target historical payment period and the adjusted payment base in the base information; Add the mapping relationship between the information of the second target payment subject, the target historical payment period, and the corresponding amount of the supplementary payment of the second target payment subject in the target historical payment period to the supplementary payment information; In the base information, the original payment base of the second target payment subject in the target historical payment period is updated to the adjusted payment base.

4. The method according to claim 3, characterized in that: The determining, based on the original payment base of the second target payment subject in the target historical payment period and the adjusted payment base in the base information, the supplementary payment amount corresponding to the target historical payment period of the second target payment subject includes: Determine the difference between the adjusted payment base and the original payment base in the target historical payment period; The product of the difference and the preset payment ratio is determined as the supplementary refund amount corresponding to the second target payer in the target historical payment period.

5. The method according to any one of claims 1 to 4, characterized in that: The supplementary payment information also includes the processing status of the supplementary payment amount corresponding to the historical payment period of the adjusted payment base for each payer, and the processing status includes: processed status, processing status and unprocessed status, and the number of historical payment periods of the adjusted payment base corresponding to the first target payer is at least two; The step of determining the supplementary payment amount corresponding to the first target payment subject according to the pre-stored supplementary payment information includes: From the supplementary payment and refund information, obtain the supplementary payment and refund amount of the first target payment subject that is in an unprocessed state in the historical payment cycle in which the payment base has been adjusted; The sum of the supplementary payment and refund amounts in the unprocessed state is determined as the supplementary payment and refund amount corresponding to the first target payment entity; The status of the supplementary refund amount that is in an unprocessed state is updated to a processed state.

6. The method according to any one of claims 1 to 4, characterized in that: The number of the current payment amounts is at least two, and each current payment amount corresponds to a related party; The number of supplementary payment amounts corresponding to the first target payment subject is at least two, and each supplementary payment amount corresponding to the first target payment subject is associated with one current payment amount; The number of the target payment amounts is at least two, and each target payment amount corresponds to a current payment amount; The determining, according to the current payment amount and the supplementary payment amount corresponding to the first target payment subject, a target payment amount of the first target payment subject in the current payment cycle includes: For each current payment amount, the target payment amount corresponding to the current payment amount is determined based on the current payment amount and the supplementary payment amount corresponding to the first target payment entity, and the supplementary payment amount corresponding to the current payment amount.

7. The method according to any one of claims 1 to 4, characterized in that: The method further comprises: In the payment information corresponding to the first target payer established in advance, add the mapping relationship of the current payment period, the current payment amount of the current payment period, the supplementary payment amount corresponding to the first target payer, the historical payment period of the first target payer with adjusted payment base, and the supplementary payment amount corresponding to the first target payer in the historical payment period of the adjusted payment base.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the payment method for a financial product according to any one of claims 1 to 7.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and the computer program is used to enable a processor to implement the payment method for a financial product according to any one of claims 1 to 7 when executed.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the computer program implements the payment method for a financial product according to any one of claims 1 to 7.

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