Payment methods, equipment, media and program products for financial products

Abstract

The present invention discloses a payment method, device, medium and program product for a financial product, and relates to the field of financial technology. The method comprises: obtaining a payment request for a target financial product, wherein the payment request is used to indicate the current payment amount of the first target payer in the current payment cycle; determining the corresponding supplementary payment amount for the first target payer based on pre-stored supplementary payment information, wherein the supplementary payment information includes the corresponding supplementary payment amount for each payer in the historical payment cycle with an adjusted payment base; determining the target payment amount for 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. The method realizes automatic processing of the supplementary payment amount netted to the current payment cycle, which is highly efficient. At the same time, it realizes refined payment processing and improves 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 financial products. Background Art

[0002] During the payment process for financial products, there may be scenarios where already paid fees need to be adjusted for various reasons, thus involving supplementary payment and refund operations. As financial product account management becomes increasingly sophisticated, the requirements for supplementary payment and refund operations are also becoming increasingly stringent.

[0003] In related technologies, the supplementary payment and refund operation can be achieved by netting the difference between the supplementary payment and refund amount in the previous payment cycle and the current payment cycle. In the current payment cycle, if there is a difference between the supplementary payment and refund amount and the current payment cycle, it is necessary to manually calculate the supplementary payment and refund amount for the previous payment cycle, and then modify the payment amount for the current payment month based on the supplementary payment and refund amount to achieve 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 to solve the technical problem of low payment efficiency and accuracy in the payment method for financial products in the related art.

[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 payer in a current payment cycle;

[0008] 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 the historical payment period in which the payment base has been adjusted;

[0009] Determine the target payment amount of the first target payer in the current payment period based on the current payment amount and the supplementary payment amount corresponding to the first target payer;

[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 configured to acquire a payment request for a target financial product; wherein the payment request indicates a current payment amount of a first target payer in a current payment cycle;

[0013] A first determining module is configured to determine 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 period in which the payment base has been adjusted;

[0014] A second determining module is configured to determine 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;

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

[0016] According to another aspect of the present invention, an electronic device is provided, 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 according to 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, and the computer program is used to enable a processor to implement the payment method for a financial product according to 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 computer program implements the payment method for a financial product according to any embodiment of the present invention.

[0022] The technical solution of an 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 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 difference to the supplementary payment amount for the current payment period, 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 content described in this section is not intended to identify the key or important features of the embodiments of the present invention, nor is it intended to limit the scope of the present invention. Other features of the present invention will become readily 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 This is a flow chart of a payment method for a financial product provided by an embodiment of the present invention;

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

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

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

[0029] Figure 5 The present invention is a schematic diagram of the structure of an electronic device for implementing the payment method for 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 solutions of the present invention, the technical solutions 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 embodiments described 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 making creative efforts 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 variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes 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 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 to 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 payer in the current payment cycle.

[0035] Financial products refer to various tools and services offered by financial institutions or markets to meet clients' investment, financing, risk management, and other needs. In this embodiment, the target financial product refers to the 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, or a structured product.

[0036] The payment cycle in this embodiment refers to the time interval for making payments to the financial institution as agreed in the financial product contract. Optionally, the payment cycle in this embodiment can be one month, one quarter, one half year, one year, etc. For example, the payment cycle in this embodiment can be one month. That is, payments for the target financial product are made every month. The current payment cycle refers to the most recent payment cycle for which payments have not yet been made. 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 can 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 to 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. For example, when the target financial product is an enterprise annuity, the first target payer can be an employee of the enterprise.

[0039] Optionally, the current payment amount may be an amount determined based on 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 period of the current payment period can be determined as the original payment base of the current payment period. In the scenario where the payment base of the previous payment period has not been adjusted, the latest payment base of the previous payment period is the original payment base of the previous payment period; in the scenario where the payment base of the previous payment period has been adjusted, the latest payment base of the previous payment period is the adjusted payment base of the previous payment period. For example, assuming that the original payment base of the previous payment period of the current payment period is 1,000 yuan, and the original payment base of the previous payment period has not been adjusted as of the time the payment request is received, the original payment base of the current payment period is the original payment base of the previous payment period, 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 enables pre-determining supplementary payment and refund information. The supplementary payment and refund information in this embodiment includes the supplementary payment and refund amount corresponding to the historical payment period in which the payment base was adjusted for each payer. In other words, when the payment base of a payer is adjusted for a historical payment period, this is equivalent to the supplementary payment and refund amount appearing. The supplementary payment and refund information includes the supplementary payment and refund amount corresponding to the historical payment period in which the payment base was adjusted.

[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 payer 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 and refund information is stored in a storage device. In step 102, it is necessary to send a supplementary payment and refund amount acquisition request to the storage device. The supplementary payment and refund amount acquisition request is used to instruct the acquisition of the supplementary payment and refund amount corresponding to the historical payment period of the adjusted payment base of the first target payer. The payment device receives the supplementary payment and refund amount corresponding to the historical payment period of the adjusted payment base of the first target payer fed back by the storage device based on the supplementary payment and refund amount acquisition request. The payment device determines the supplementary payment and refund amount corresponding to the first target payer based on the supplementary payment and refund amount corresponding to the historical payment period of the adjusted payment base of the first target payer.

[0046] Figure 2 This is a schematic diagram of an application scenario of the payment method for financial products provided by 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, 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 payer with the adjusted payment base.

[0047] In one implementation, if the first target payer has one supplementary payment refund corresponding to the historical payment period for which the payment base has been adjusted, that is, if the historical payment period for which the payment base has been adjusted for the first target payer is one, then the supplementary payment refund corresponding to the first target payer is the supplementary payment refund corresponding to the historical payment period for which the payment base has been adjusted. For example, in a scenario where the payment period is a month, assuming the current payment period is December 2024, this implementation corresponds to a scenario where only the payment base corresponding to the first target payer in May 2024 is adjusted.

[0048] In another implementation, the first target payer has multiple supplementary payment amounts corresponding to the historical payment periods 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 the current payment period is December 2024, this implementation corresponds to a scenario where the payment base of the first target payer is adjusted in May 2024, August 2024, and October 2024.

[0049] In this implementation, to enable refined management of the supplementary payment and refund amounts corresponding to each historical payment period with an adjusted payment base in the supplementary payment and refund information, the supplementary payment and refund information also includes the processing status of each payer's supplementary payment and refund amount corresponding to the historical payment period with an adjusted payment base. The processing statuses in this embodiment include: processed, in-process, and unprocessed. In this implementation, the implementation process of step 102 includes steps 1021 to 1023.

[0050] Step 1021: Obtain the unprocessed supplementary payment amount of the first target payer in the historical payment cycle with the 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] In this embodiment, the difference between the supplementary payment amount corresponding to the first target payer and the supplementary payment amount that is in an unprocessed state in the historical payment period of the first target payer in which the payment base has been adjusted lies in the different dimensions of measurement: the supplementary payment amount corresponding to the first target payer refers to the sum of all supplementary payment amounts that are 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 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 can be a supplementary payment table. Table 1 shows one implementation of the 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 the first target payer is Payer 2, the corresponding supplementary refund amount determined based on steps 1021 to 1023 is: 40 + 20 - 10 = 50 yuan. Then, based on step 1023, the processing status of the supplementary refund amount for each payer in Table 1 for each month is updated from "unprocessed" to "processed."

[0061] It should be noted that, in the scenario where the supplementary refund amount corresponding to the first target payer in this embodiment is a positive number, it indicates that supplementary payment is required. In the scenario where the supplementary refund amount corresponding to the first target payer 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 corresponding supplementary refund amount for the first target payer is determined as the target payment amount for the first target payer in the current payment cycle. For example, assuming the current payment amount is 120 yuan and the corresponding supplementary refund amount for the first target payer is -20 yuan, the target payment amount for the first target payer in the current payment cycle is 120-20 = 100 yuan.

[0064] In another implementation, there are at least two current payment amounts, each corresponding to a related party. This implementation applies to scenarios where multiple related parties contribute to the same payer. For example, if the financial product is an enterprise annuity, the payer is the enterprise's employees, and the related parties are the employees and the enterprise. In other words, the employee pays a portion of the amount, and the enterprise pays a portion on the employee's behalf.

[0065] In this implementation, the number of supplementary payment amounts corresponding to the first target payer is at least two, and each supplementary payment amount corresponding to the first target payer is associated with a current payment amount. There are at least two target payment amounts, 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, based on the current payment amount and the supplementary payment amount corresponding to the current payment amount among the supplementary payment amounts corresponding to the first target payer, 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 primary target payer is employee A, then employee A's current payment amount for the current payment cycle is divided into two categories: one is the enterprise's current payment amount, determined based on the enterprise's contribution base and the preset enterprise contribution ratio; the other is employee A's current payment amount, determined based on the employee's contribution base and the preset employee contribution ratio. The enterprise contribution ratio and the employee contribution 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. 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 period 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 period 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; and update the status of the above-mentioned supplementary payment amount in an unprocessed state to a processed state.

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

[0072] Table 2 Another supplementary refund form

[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 determining the target payment amount, 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 and will not be described in detail in this embodiment.

[0077] It can be understood that this 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 reconcile the difference amount, which greatly reduces manual operations and realizes the automation 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 at the time of payment to ensure the accuracy and consistency of the data. This 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 payer, the payment period, and the original payment base of the payment period.

[0081] Optionally, the base information in this embodiment includes a mapping relationship between the information of each payer, the payment period, the original payment base for that payment period, and the adjusted payment base for that payment period. The purpose of providing the original payment base and the adjusted payment base is to facilitate the determination of supplementary payment information based on the base information. This solution will be explained 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] If the base information includes the adjusted payment base for a payment period, a mapping relationship between the information of the first target payee, the current payment period, the original payment base for the current payment period, and the adjusted payment base for the current payment period is added to the pre-established base information. The original payment base for the current payment period and the adjusted payment base for the current payment period are equal.

[0083] For ease of implementation, cardinality information can be implemented using a cardinality table. Table 3 shows how to implement a cardinality table. In Table 3, assuming a monthly payment cycle, May 2024 is used as an example. Each payer corresponds to two related parties.

[0084] Table 3 Cardinality table

[0085]

[0086] Assuming the current payment period is December 2024, the first target payer is Payer 1, the original payment base of the first party is 1200, and the original payment base of the second party is 3300, add a mapping relationship between Payer 1, December 2024, and the original payment base of each party to Table 3. The adjusted payment base for December 2024 in Table 3 can be set 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 difference to the supplementary payment amount for the current payment period, 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 This is a flow chart of another payment method for a financial product provided by an embodiment of the present invention. Figure 1Based on the embodiment shown 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] 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. In this embodiment, the target historical payment period refers to the payment period in the historical payment period for which the payment base needs to be adjusted.

[0094] In this embodiment, the number of target historical payment periods can be one or more. In a scenario where the second target payment subject has multiple related parties, the number of adjusted payment bases can be multiple, with each related party corresponding to an adjusted payment base. These multiple adjusted payment bases can 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 for the second target payer.

[0097] In another implementation method, 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 a scenario where there are multiple related parties of the second target paying entity, the amount of supplementary payment and refund corresponding to the related parties of the second target paying entity in the target historical payment period can be determined based on the original payment base of each related party of the second target paying entity 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 payer, the target historical payment period, and the corresponding supplementary payment amount of the second target payer 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 payer, the target historical payment period, and the corresponding supplementary payment amount of the second target payer 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, the employee supplementary refund amount in September 2024, and the enterprise supplementary refund amount in September 2024 is added to Table 3.

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

[0103] To avoid subsequent recalculation of the supplementary payment amount for the target historical payment period, the original payment base of the second target payer in the target historical payment period in the base information is updated to the adjusted payment base included in the payment base adjustment request, thereby updating the original payment base. For example, assuming 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 certain 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 is executed.

[0105] The above steps 301 to 304 achieve the goal of obtaining the supplementary payment amount corresponding to the target historical payment period by simply adjusting the payment base, simplifying the operation process, reducing 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 payer 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 principles of step 305 are similar to step 201, step 306 to step 202, step 307 to step 203, and step 308 to step 204, 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 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 an adjusted payment base, and the supplementary payment amount corresponding to the first target payer in the historical payment period of the adjusted payment base.

[0114] Optionally, in this embodiment, payment information corresponding to each payer is pre-established to facilitate accounting, subsequent tracing, or querying payment details by each payer. In step 309, a mapping relationship is added to the payment information corresponding to the first target payer, including the current payment period, the current payment amount for the current payment period, the supplementary payment amount corresponding to the first target payer, the historical payment periods for which the payment base has been adjusted, and the supplementary payment amount corresponding to the first target payer in the historical payment periods for which the payment base has been adjusted.

[0115] For example, let's assume the first target payer is employee B. Their payment information already records the following information: In October 2024, they paid 100 yuan individually and the company paid 200 yuan; in September 2024, they paid 100 yuan individually and the company paid 200 yuan; and in August 2024, they paid 100 yuan individually and the company paid 200 yuan. When making their payment in November 2024, they refunded 20 yuan for their August 2024 payment. Therefore, the following information is added to employee B's payment information: In November 2024, they paid 100 yuan individually and the company paid 200 yuan; in August 2024, their individual payment was -20 yuan.

[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, allows obtaining the supplementary payment or refund amount corresponding to the target historical payment period by simply adjusting the payment base, thus simplifying the operational process, reducing the manpower input involved in supplementary payment or refund operations, lowering operating costs, and improving enterprise profitability. On the other hand, by adding the payment details of the first target payer to the payment information corresponding to the payer, payment information is recorded at the payer's granularity, facilitating subsequent tracing and achieving refined payment processing.

[0118] Figure 4 Schematic diagram of a payment device for a financial product provided by an embodiment of the present invention. The device is provided 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 obtaining module 41 is configured to obtain a payment request for a target financial product.

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

[0121] The first determining module 42 is configured 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 which the payment base has been adjusted.

[0123] The second determining module 43 is configured to determine a 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 configured to make payment in the target financial product according to the target payment amount.

[0125] In one embodiment, the current payment amount is an amount determined based on the original payment base of the current payment period. The device further 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 apparatus further includes: a third obtaining module, a third determining 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 payment 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 mapping relationship between the information of the second target payer, the target historical payment period and the supplementary payment amount corresponding to the target historical payment period by the second target payer to 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 and refund information also includes the processing status of the supplementary payment and refund amount corresponding to each payer in the historical payment period for which the payment base has been adjusted, where the processing status includes: processed, in-process, and unprocessed. The number of historical payment periods for which the payment base has been adjusted corresponding to the first target payer is at least two. The first determination module 42 is specifically configured to: obtain, from the supplementary payment and refund information, the unprocessed supplementary payment and refund amount of the first target payer in the historical payment period for which the payment base has been adjusted; determine the sum of the unprocessed supplementary payment and refund amount as the supplementary payment and refund amount corresponding to the first target payer; and update the status of the unprocessed supplementary payment and refund amount to processed.

[0136] In one embodiment, 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 target payment amounts is at least two, and each target payment amount corresponds to one current payment amount. The second determination module 43 is specifically used to: for each current payment amount, determine the target payment amount corresponding to the current payment amount based on the current payment amount and the supplementary payment amount corresponding to the first target payment subject, whichever supplementary payment amount corresponds to the current payment amount.

[0137] In one embodiment, the device also includes: a third adding module, used to: 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 paying subject, the historical payment period with adjusted payment base corresponding to the first target paying subject, and the supplementary payment amount corresponding to the historical payment period with 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 5The following is a schematic diagram of an electronic device that implements a payment method for a financial product according to an embodiment of the present invention. The electronic device is intended to represent various forms of digital computers, such as laptops, 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 assistants, cellular phones, smartphones, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are provided for illustrative purposes only and are not intended to limit the implementation of the present inventions described and / or claimed herein.

[0140] like Figure 5 As shown, the electronic device 10 includes at least one processor 11 and a memory, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., which is communicatively connected to the at least one processor 11. The memory stores a computer program that can be executed by the at least one processor. 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 into the random access memory (RAM) 13. Various programs and data required for the operation of the electronic device 10 can also be stored in the RAM 13. The processor 11, ROM 12, and RAM 13 are connected to each other via a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0141] Multiple 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 magnetic 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 via a computer network such as the Internet and / or various telecommunication networks.

[0142] Processor 11 can be any general-purpose and / or specialized processing component with processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, digital signal processors (DSPs), and any other suitable processor, controller, microcontroller, etc. Processor 11 executes the various methods and processes described above, such as the payment method for a financial product.

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

[0144] Various embodiments of the systems and techniques described 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), system-on-chip systems (SOCs), programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include being implemented in one or more computer programs that are executable and / or interpreted on a programmable system that includes 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, such that when the computer program is executed by the processor, the functions / operations specified in the flowcharts and / or block diagrams are implemented. The computer program may be executed entirely on the machine, partially on the machine, as a stand-alone software package, partially on the machine and partially on a remote machine, or entirely on a remote machine or server.

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

[0147] To provide interaction with a user, the systems and techniques described herein can 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 pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0148] The systems and techniques described herein can be implemented in a computing system that includes back-end 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 front-end components (e.g., a user computer with a graphical user interface or 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 back-end components, middleware components, or front-end components. The components of the system can 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 clients and servers. The clients and servers are typically remote from each other and typically interact via a communication network. This client-server relationship arises through computer programs running on the respective computers, creating a client-server relationship. The server may be a cloud server, also known as a cloud computing server or cloud host. This server is a hosting product within the cloud computing service ecosystem that addresses the management difficulties and limited scalability of traditional physical hosting and VPS services.

[0150] An embodiment of the present invention further provides a computer program product, comprising 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] The computer program product may be implemented by writing computer program code for performing the operations of the present invention in one or more programming languages, or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a stand-alone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer via any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0152] It should be understood that the various forms of the processes shown above can be used to reorder, add, or delete steps. For example, the steps described in the present invention can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution of the present invention can be achieved. This is not limited herein.

[0153] The above specific embodiments do not limit the scope of protection of the present invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may be made based on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention are intended to be included within the scope of protection 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 payer in a current payment period, where the current payment amount is an amount determined based on an original payment base for the current payment period; 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 the historical payment period in which the payment base has been adjusted; Determine the target payment amount of the first target payer in the current payment period based on the current payment amount and the supplementary payment amount corresponding to the first target payer; Pay the target financial product according to the target payment amount; The method further comprises: Obtaining the original payment base for the current payment period; Adding a 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; Obtaining a payment base adjustment request; wherein the payment base adjustment request includes: a target historical payment period, information about a second target payment subject, and an adjusted payment base; Determine the supplementary payment amount of the second target payer corresponding to the target historical payment period 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 payer, the target historical payment period, and the corresponding supplementary payment amount of the second target payer 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.

2. The method according to claim 1, characterized in that The method of determining the supplementary payment amount corresponding to the target historical payment period by 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 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.

3. The method according to claim 1 or 2, characterized in that The supplementary payment and refund information also includes the processing status of the supplementary payment and refund amount corresponding to the historical payment period in which the payment base has been adjusted for each payer, where the processing status includes: processed, in-process, and unprocessed. The number of historical payment periods in which the payment base has been adjusted for the first target payer is at least two; The step of determining the supplementary payment amount corresponding to the first target payer based on the pre-stored supplementary payment information includes: Obtaining, from the supplementary payment and refund information, the supplementary payment and refund amount of the first target payer in an unprocessed state in a historical payment period in which the payment base has been adjusted; The sum of the unprocessed supplementary payment and refund amounts is determined as the supplementary payment and refund amount corresponding to the first target payer; The status of the supplementary refund amount that is in an unprocessed state is updated to a processed state.

4. The method according to claim 1 or 2, characterized in that The number of the current payment amounts is at least two, and each current payment amount corresponds to one 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, based on the current payment amount and the supplementary payment amount corresponding to the first target payer, a target payment amount of the first target payer in the current payment period 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, which corresponds to the current payment amount.

5. The method according to claim 1 or 2, characterized in that The method further comprises: In the pre-established payment information corresponding to the first target payer, 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 with the adjusted payment base corresponding to the first target payer, and the supplementary payment amount corresponding to the historical payment period with the adjusted payment base of the first target payer.

6. 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 to enable the at least one processor to execute the payment method for a financial product according to any one of claims 1 to 5.

7. 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 5 when executed.

8. 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 5.

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