Non-tax automatic library payment method, device, medium and system

Abstract

The invention provides a non-tax automatic library payment method, device and system, and a medium. The method comprises the following steps: acquiring a payment order, determining a current instruction type according to information of the payment order, and complementing missing information of the payment order to obtain a complete payment order under the condition that the current instruction type is determined to be an incomplete available instruction; and based on the complete payment order, the payment operation is executed to complete the closed-loop processing of the whole process of automatic payment work payment, so that the purposes of layer-by-layer verification and clear and simple transaction link are achieved, the fund flow direction and the account moving state can be mastered in real time, and compared with the existing scheme, the situation of incomplete information can be handled, and the user experience is improved. Therefore, the problems that a non-tax payment library in an existing scheme cannot cope with incomplete information, and the overall efficiency is low due to manual participation in the midway are solved.

Description

Technical Field

[0001] The present application relates to the technical field of treasury payment processing, and in particular to a non-tax automatic treasury payment method, device, medium and system. Background Art

[0002] Traditional non-tax payment implements two-line management of revenue and expenditure. The main process is that the budget unit applies for funds from the treasury through the financial integration system, completes the fund transfer to the unit's transition account through the bank's agency financial system, and then pays the transition account funds to the treasury through the bank's non-tax system. This process involves two systems, the treasury integration and the non-tax system. At present, there are three problems with this process: First, it leads to multiple policies. Business personnel need to perform multiple operations in the integrated system and the non-tax system to complete a tax payment. Low efficiency may also lead to repeated charges and management gaps; second, the same fund cannot be tracked throughout the entire process, resulting in insufficient fund supervision and decentralized tax collection and management; third, the fund risk is uncontrollable, the unit's transition account is not included in the treasury integrated management, the account use is complex, and the application for tax payment funds through the treasury centralized payment system requires manual confirmation of the funds arrival and manual initiation of the next payment process. The untimely manual confirmation in the middle may lead to risks such as misappropriation of funds, and the funds cannot be used for their intended purposes. Fourth, since the banking system manages the treasury and non-tax accounts separately, the original process funds flow between multiple accounts in the banking system. First, it has to manage the advance payment and liquidation of treasury funds, and then go through the payment, accounting, settlement and payment of non-tax funds. This makes the capital chain longer, increases the system burden, account burden and capital cost.

[0003] This means that the existing non-tax payment system cannot cope with the situation of incomplete information, and the human involvement in the process leads to low overall efficiency. Summary of the invention

[0004] The main purpose of this application is to provide a non-tax automatic payment method, device, medium and system to at least solve the problem that the existing non-tax payment solutions cannot cope with the situation of incomplete information and the human intervention in the middle leads to low overall efficiency.

[0005] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a non-tax automatic treasury payment method is provided, the method comprising: obtaining a payment order, and determining a current instruction type based on information of the payment order, the current instruction type being one of the following: an available instruction and an unavailable instruction, the available instruction being a complete available instruction or an incomplete available instruction; when it is determined that the current instruction type is the incomplete available instruction, completing the missing information of the payment order to obtain a complete payment order; and executing a treasury payment operation based on the complete payment order to complete the automatic treasury payment work.

[0006] Optionally, when it is determined that the current instruction type is the incomplete available instruction, complete the missing information of the payment order to obtain a complete payment order, including: querying the corresponding missing information from the database in the form of a mapping relationship according to the taxpayer unique identifier of the payment order; filling the corresponding missing information into the payment order, and updating the status of the state machine of the payment order from the pending processing state to the pending deposit state to obtain the complete payment order.

[0007] Optionally, the missing information includes the receiving bank number, receiving bank name, receiving bank's account opening institution, payer's account opening institution, payer's account number, and payer's account name.

[0008] Optionally, during the process of performing the deposit operation based on the complete payment order, the method further includes: when the status value of the state machine of the complete payment order is the pending deposit state, monitoring the status value of the state machine of each step in the deposit operation; when there is a step whose status value of the state machine does not meet the specification, generating a corresponding prompt message for prompting that the status value of the state machine of the step does not meet the specification.

[0009] Optionally, during the process of performing the deposit operation based on the complete payment order, the method further includes: when the number of request failure times of a step in the deposit operation is greater than or equal to the preset number of times, generating an alarm message for prompting that there is an error in the step in the deposit operation; when the number of request failure times of a step in the deposit operation is less than the preset number of times, resending the request to complete the automatic deposit work.

[0010] Optionally, performing the deposit operation includes: when it is detected that the funds are successfully transferred from the clearing account to the zero balance account, updating the status value of the state machine to the pending payment confirmation state and starting the pending payment confirmation process; after receiving the financial confirmation payment information, updating the status value of the state machine to the pending reconciliation state and starting the reconciliation process; after the reconciliation is correct, updating the status value of the state machine to the pending settlement state and starting the settlement process; after the settlement is successful, updating the status value of the state machine to the pending deposit state and sending a deposit instruction to start the deposit process; after the deposit is successful, updating the status value of the state machine to the successful state and generating a deposit result.

[0011] Optionally, after determining the current instruction type according to the information of the payment order, the method further includes: when it is determined that the current instruction type is the complete available instruction, performing the deposit operation based on the payment order to complete the automatic deposit work; when it is determined that the current instruction type is the unavailable instruction, returning the payment order.

[0012] According to another aspect of the present application, a non-tax automatic payment device is provided. The device includes: an acquisition unit, configured to acquire a payment order and determine a current instruction type according to the information of the payment order, where the current instruction type is one of the following: an available instruction and an unavailable instruction, and the available instruction is a complete available instruction or an incomplete available instruction; a first processing unit, configured to, when determining that the current instruction type is the incomplete available instruction, complete the missing information of the payment order to obtain a complete payment order; and a second processing unit, configured to perform a payment operation based on the complete payment order to complete the automatic payment work.

[0013] According to another aspect of the present application, a computer-readable storage medium is provided. The computer-readable storage medium includes a stored program, wherein, when the program runs, it controls the device where the computer-readable storage medium is located to execute any one of the methods.

[0014] According to another aspect of the present application, a non-tax automatic payment system is provided. The system includes: one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include those for executing any one of the methods.

[0015] Applying the technical solution of the present application, by acquiring a payment order and determining the current instruction type according to the information of the payment order, when determining that the current instruction type is the incomplete available instruction, the missing information of the payment order is completed to obtain a complete payment order; a payment operation is performed based on the complete payment order to complete the entire closed-loop process of the automatic payment work, thereby achieving the purpose of layer-by-layer verification and a clear and simple transaction link. At the same time, the capital flow and account movement status can be grasped in real time. Compared with the existing solutions, it can handle the situation of incomplete information, thus solving the problem that the existing non-tax payment solutions cannot handle the situation of incomplete information and the overall efficiency is relatively low due to manual participation in the middle. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The schematic diagrams in the specification forming a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation of the present application. In the drawings:

[0017] Figure 1 Shows a schematic flow chart of a non-tax automatic payment method provided according to an embodiment of the present application;

[0018] Figure 2 Shows a schematic diagram of the processing flow of the existing solution provided according to an embodiment of the present application;

[0019] Figure 3It shows a schematic diagram of the principle of the processing flow of the non-tax automatic payment into the treasury method provided according to an embodiment of the present application;

[0020] Figure 4 It shows a schematic diagram of the overall process of the data interception device provided according to an embodiment of the present application;

[0021] Figure 5 It shows a schematic diagram of the overall process of the data preprocessing device provided according to an embodiment of the present application;

[0022] Figure 6 It shows a schematic diagram of the relationship among the payment channels, payment modes and payment objects provided according to an embodiment of the present application;

[0023] Figure 7 It shows a schematic diagram of the overall process of the automatic payment into the treasury device provided according to an embodiment of the present application;

[0024] Figure 8 It shows a structural block diagram of a non-tax automatic payment into the treasury device provided according to an embodiment of the present application. Specific embodiments

[0025] It should be noted that, without conflict, the embodiments in the present application and the features in the embodiments may be combined with each other. The following will describe the present application in detail with reference to the drawings and in conjunction with the embodiments.

[0026] In order to enable those skilled in the art to better understand the solution of the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without making creative efforts shall fall within the protection scope of the present application.

[0027] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and do not have to be used to describe a specific order or sequence. It should be understood that such data can be interchanged under appropriate circumstances, so as to implement the embodiments of the present application described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device including a series of steps or units does not necessarily have to be limited to those clearly listed steps or units, but may include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0028] As introduced in the background technology, traditional non-tax payment implements two-line management of revenue and expenditure. The main process is that the budget unit applies for funds from the treasury through the financial integration system, completes the fund transfer to the unit's transition account through the bank's agency financial system, and then pays the transition account funds to the treasury through the bank's non-tax system. This process involves two systems, the treasury integration and the non-tax system. At present, there are three problems with this process: First, it leads to multiple policies. Business personnel need to perform multiple operations in the integrated system and the non-tax system to complete a tax payment. Low efficiency may also lead to repeated charges and management gaps; second, the same fund cannot be tracked throughout the entire process, resulting in insufficient fund supervision and decentralized tax collection and management; third, the fund risk is uncontrollable, the unit's transition account is not included in the treasury integrated management, the account use is complex, and the application for tax payment funds through the treasury centralized payment system requires manual confirmation of the funds arrival and manual initiation of the next payment process. The untimely manual confirmation in the middle may lead to risks such as misappropriation of funds, and the funds cannot be used for their intended purposes. Fourth, since the banking system manages the treasury and non-tax accounts separately, the original process funds flow between multiple accounts in the banking system. First, the treasury funds must be advanced and cleared, and then the non-tax funds must be paid, posted, settled, and paid to the treasury, which lengthens the capital chain and increases the system burden, account burden, and capital cost. In order to solve the problem that the existing non-tax payment to the treasury solution cannot cope with the situation of incomplete information and that manual participation in the middle leads to low overall efficiency, the embodiments of the present application provide a non-tax automatic payment method, device, medium, and system.

[0029] The technical solutions in the embodiments of the present invention will be described clearly and completely below in conjunction with the accompanying drawings in the embodiments of the present invention.

[0030] In this embodiment, a non-tax automatic payment method is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0031] Figure 1 FIG. 1 is a flow chart of a non-tax automatic payment method according to an embodiment of the present application. Figure 1 As shown, the method comprises the following steps:

[0032] Step S101, obtaining a payment order, and determining the current instruction type according to the information of the payment order, the current instruction type being one of the following: an available instruction and an unavailable instruction, the available instruction being a complete available instruction or an incomplete available instruction;

[0033] After determining the current instruction type based on the information of the above payment order, the above method further includes: when it is determined that the current instruction type is the above complete and available instruction, performing a treasury payment operation based on the above payment order to complete the automatic treasury payment work; when it is determined that the current instruction type is the above unavailable instruction, returning the above payment order.

[0034] Through the preliminary verification of the data interception device, it is ensured that only complete and correctly formatted payment orders can enter the subsequent treasury payment process, which avoids processing delays and resource waste caused by data errors or non-compliant formats. Accurate data input is a prerequisite for the efficient operation of the automated process, which can significantly improve the processing speed and accuracy of the overall system. The timely identification and return of unavailable instructions can prevent invalid or incorrect treasury payment operations, avoiding risks such as misappropriation of funds and duplicate payments. It reduces the additional costs generated by manual intervention for error correction, as well as possible financial losses and subsequent audit complexities. Ensuring that each treasury payment instruction undergoes strict verification before entering the treasury payment process can effectively prevent the inflow or outflow of illegal funds and safeguard the security of fiscal funds. At the same time, through the automated process, the principle of earmarking funds for specific purposes is more strictly implemented, and the flow of each fund conforms to the specified treasury payment mode, reducing the risk of fund misappropriation or abuse. The combined use of the data interception device and the automatic treasury payment process realizes the full-process closed-loop management of the treasury payment business, and every link from the receipt, verification, payment, reconciliation to settlement and treasury payment of the payment order can be monitored and traced. This not only improves the standardization of fiscal fund management but also enhances transparency, facilitating fiscal audit and supervision and ensuring the rationality and compliance of fund use.

[0035] Step S102, when it is determined that the current instruction type is the above incomplete and available instruction, complete the missing information of the above payment order to obtain a complete payment order;

[0036] Among them, the above missing information includes the payee bank code, payee bank name, payee's account opening institution, payer's account opening institution, payer's account number, and payer's account name.

[0037] For the first scenario where the missing information in the above payment order is completed to obtain a complete payment order that can be applied: When the data interception device detects that the payment order belongs to an incomplete available instruction type, the payment order will be transmitted to the data preprocessing device. The data preprocessing device will apply a pattern matching algorithm or a machine learning model based on the existing information in the payment order (such as payee name, taxpayer identification number, etc.) and the historical transaction record database to automatically predict and complete the missing payee bank account number, bank name, or account opening institution information. The data preprocessing device will also perform real-time data interaction with the fiscal non-tax system or other financial institution systems to confirm the accuracy of the completed information. For example, by querying the account information under the payee's name to verify whether the completed bank account information is correct. Once the information is completed and verified, the data preprocessing device will update the status of the payment order from "incomplete available" to "complete available". Subsequently, the complete payment order will be sent to the automatic treasury payment device for treasury payment operations, and a confirmation notice of successful information completion will be fed back to the fiscal department.

[0038] Beneficial effects: The embodiment of completing the missing payee information greatly improves the processing efficiency of the automatic treasury payment system. By automatically obtaining and completing the missing information through the data preprocessing device, the need for manual intervention is avoided, thereby reducing the time and errors of manual operations and accelerating the execution process of the treasury payment instruction. Completing the payee information ensures the accuracy and integrity of the payment instruction, avoiding transaction failures or abnormalities caused by incomplete information, and guaranteeing the smooth progress of the fiscal payment and treasury payment processes. The complete payee information is the basis for accurately transferring funds to the designated account, which helps to achieve earmarking of funds. Automatically completing and verifying the payee information helps to reduce transaction risks and ensure the safety of funds. The data preprocessing device confirms the accuracy of the information through interaction with external systems, preventing misappropriation of funds caused by incorrect information and reducing the risks of fiscal fund management.

[0039] For the second scenario where the missing information in the above payment order is completed to obtain a complete payment order that can be applied: The data preprocessing device will check other information in the payment order, such as payer type (enterprise, individual), payment amount, nature of the payment recipient, etc., to determine the most suitable payment method. According to the payment rules preset by the fiscal department or by analyzing historical transaction data through algorithms, the data preprocessing device can intelligently complete the payment method. For example, for large-value transactions, the system may tend to select enterprise online banking; for small-value or individual payments, personal online banking or mobile banking may be selected. The completed payment method information will be sent to the fiscal non-tax system for confirmation to ensure that the completed payment method matches the payment recipient and the payment amount, avoiding incorrect payments. After the fiscal non-tax system confirms the validity of the payment method, the status of the payment order is updated to complete, and then it is sent to the automatic treasury payment device for treasury payment operations. The data preprocessing device simultaneously feeds back a confirmation of successful completion of the payment method information to the fiscal department.

[0040] Beneficial effects: The embodiment of supplementing the missing payment method information improves the adaptability and flexibility of the automatic tax deposit system. By intelligently analyzing the context of the payment order, the system can automatically determine and supplement the most suitable payment method, which not only simplifies the business process but also ensures the matching of the payment method with the transaction scenario, improving the payment efficiency and user experience. Selecting the optimal payment method can optimize fund management and reduce unnecessary transaction costs. For example, for large transactions, choosing corporate online banking may be safer and more efficient than personal online banking; for small transactions, internal account transfers may cost less than online banking transfers. By intelligently supplementing the payment method, the system can automatically select the payment route with the highest cost-effectiveness, saving fiscal funds. After supplementing the payment method information, the system synchronizes and confirms with the fiscal non-tax system to ensure that the supplemented payment method complies with the payment rules and standards of the fiscal department, enhancing the security and compliance of transactions. This helps to avoid financial losses caused by improper payment methods.

[0041] Wherein, in the case of determining that the current instruction type is the above incomplete available instruction, supplement the missing information of the above payment order to obtain a complete payment order, including:

[0042] Query the corresponding missing information from the database in the form of a mapping relationship according to the taxpayer unique identifier of the above payment order;

[0043] Fill the corresponding missing information into the above payment order, and update the status of the state machine of the above payment order from the pending state to the pending tax deposit state to obtain the above complete payment order.

[0044] Automatically complete the missing information in the payment order through the mapping relationship in the database, avoiding the steps of manual search and input, and greatly improving the speed and automation of data processing. Updating the status of the payment order to the state of pending deposit means that the system can immediately start the next deposit operation, reducing the waiting time and accelerating the entire deposit process. Using the taxpayer's unique identifier for database query can ensure that the completed information is associated with a specific taxpayer, improving the accuracy and matching degree of the information. A complete payment order is a prerequisite for successful deposit. The automatic completion process ensures the integrity of the payment order information and avoids deposit failures caused by missing information. Automatic completion and status update reduce the demand for system storage space and avoid resource waste caused by storing incomplete or incorrect payment orders. It reduces the labor cost. The automated operation reduces the dependence on business personnel and lowers the subsequent processing cost caused by manual operation errors. Completing the information through an accurate mapping relationship can ensure that the execution of each deposit instruction is based on correct data, enhancing the security of transactions. Updating the status to the state of pending deposit means that the system has confirmed the integrity and compliance of the payment order information, which helps to ensure the standardization of fiscal fund management. Updating the status to the state of pending deposit provides real-time feedback for the financial department and system monitoring, facilitating the timely tracking of the processing progress of deposit instructions and enhancing the ability of full-process monitoring. It shortens the processing time of deposit instructions and improves the deposit efficiency. For budget units and payers, it means faster payment confirmation, enhancing the timeliness of services and user satisfaction.

[0045] Step S103, perform a deposit operation based on the above complete payment order to complete the automatic deposit work.

[0046] In the above steps, by obtaining the payment order and determining the current instruction type according to the information of the above payment order, in the case where the above current instruction type is the above incomplete available instruction, complete the missing information of the above payment order to obtain a complete payment order; perform a deposit operation based on the above complete payment order to complete the closed-loop processing of the entire process of automatic deposit work for payment, thereby achieving the purpose of layer-by-layer verification and a clear and simple transaction link. At the same time, the flow of funds and the status of account movements can be grasped in real time. Compared with the existing solution, it can handle the situation of incomplete information, thus solving the problem that the existing non-tax deposit solution cannot handle the situation of incomplete information and the overall efficiency is relatively low due to manual participation in the middle.

[0047] In an embodiment of the present application, during the process of performing a deposit operation based on the above complete payment order, the above method further includes:

[0048] In the case where the status value of the state machine of the above complete payment order is the above state of pending deposit, monitor the status value of the state machine of each step in the above deposit operation;

[0049] When the status value of the state machine in the presence of steps does not conform to the specification, corresponding prompt information is generated, and the above prompt information is used to prompt that the status value of the state machine of the above steps does not conform to the specification.

[0050] Real-time monitor the status of each step of the payment into the treasury operation, which can promptly detect and prevent status changes that do not conform to the specification, avoid anomalies or failures caused by potential error states in the system, and improve the stability and reliability of the system. Reduce operation risks and financial risks: Status monitoring can serve as a line of defense to ensure that the payment into the treasury operation is carried out in accordance with the established processes and specifications. Once an anomaly is detected, prompt information is immediately generated, which can prevent illegal payments, duplicate payments, or payment errors, thereby reducing operation risks and the risks of fiscal funds. Through status monitoring and prompting, the system can ensure that the processing of each payment into the treasury instruction meets expectations, avoid deviations and errors in the data processing process, and improve the accuracy and consistency of data processing. Monitoring the status value of the state machine can effectively prevent waste of resources in invalid or incorrect states. For example, it can avoid fund transfers between incorrect accounts and ensure that resources are used reasonably and efficiently. The generation of status monitoring and prompt information provides a detailed record of the payment into the treasury operation, facilitating auditing and subsequent process tracking, improving the transparency of financial management, and at the same time providing a clear traceability path for possible problems.

[0051] In an embodiment of the present application, during the process of performing the payment into the treasury operation based on the above complete payment order, the above method further includes:

[0052] When the number of request failures of a step in the above payment into the treasury operation is greater than or equal to a preset number, an alarm message is generated, and the above alarm message is used to prompt that there is an error in the above step in the above payment into the treasury operation;

[0053] When the number of request failures of a step in the above payment into the treasury operation is less than the above preset number, the request is resent to complete the automatic payment into the treasury work.

[0054] By setting a preset failure count, the system can automatically retry requests when encountering short-term network fluctuations, system delays, or other temporary issues, rather than immediately terminating the payment process or generating alarm messages. This improves the system's fault tolerance and ensures the continuity and stability of the payment operation. The mechanism of the preset failure count avoids overusing alarm resources due to occasional communication failures, reduces invalid or unnecessary alarms, thereby lowering the system management and maintenance costs and optimizing resource utilization. When the number of request failures does not reach the preset value, the system automatically retries, which can significantly increase the completion rate of the payment operation, reduce the need for manual intervention, and thus improve the efficiency of the entire payment process. After the number of request failures reaches the preset value, the system generates an alarm message, indicating that there may be systematic or persistent problems that require further inspection and repair. This mechanism can detect and respond to potential security threats in a timely manner, reducing the financial risks caused by technical failures or malicious attacks.

[0055] In an embodiment of the present application, performing the payment operation includes: when it is detected that the funds are successfully transferred from the clearing account to the zero-balance account, updating the status value of the state machine to the state of waiting for payment confirmation and starting the process of waiting for payment confirmation; after receiving the financial confirmation payment information, updating the status value of the above state machine to the state of waiting for reconciliation, and starting the reconciliation process; after the reconciliation is correct, updating the status value of the above state machine to the state of waiting for settlement, and starting the settlement process; after the settlement is successful, updating the status value of the above state machine to the state of waiting for payment, and sending a payment instruction to start the payment process; after the payment is successful, updating the status value of the above state machine to the successful state and generating the payment result.

[0056] The update and start of the state machine automatically trigger the next-stage process, reducing the need for manual intervention, ensuring the continuity and automation of the payment operation, shortening the payment time, and increasing the fund settlement rate. The update of each state is based on the successful completion of the previous stage, which ensures that each link of the fund transfer can be accurately traced and monitored, reduces the fund risk, and enhances the security and standardization of the management of fiscal funds. Only when the previous operation is successful will the system enter the next operation, avoiding ineffective attempts in the wrong state, reducing the ineffective load of the system operation, and optimizing resource utilization. From the fund transfer to the final successful payment, the update of the state machine realizes the full-process closed-loop management of the payment operation, ensuring that the fund flow from the source to the end is clear, improving the timeliness and transparency of the management of fiscal funds. The completion of each stage updates the status value of the state machine, ensuring the accuracy and integrity of the data, and providing a reliable basis for subsequent auditing and data analysis. The state machine mechanism can detect any abnormality or failure at any stage in a timely manner. For example, if it is detected that the fund transfer fails, the state machine will not be updated to the next state, thereby triggering an exception handling process, including but not limited to retrying or generating an alarm message, supporting rapid fault recovery.

[0057] The existing solutions are as follows Figure 2 shown below, and the disadvantages are as follows: When the payment at mark 2 is successful and the funds have been transferred to the unit's transitional account, after the business personnel query offline and find that the funds have arrived, they can proceed with the next step at any time, and the funds are no longer controllable. At this time, the national treasury payment process has not ended normally. If the subsequent process fails, the funds need to be recovered and can only be processed manually offline, increasing the burden on business personnel; When the payment at mark 2 is successful and the funds have been transferred to the unit's transitional account, the unit's transitional account generally has multiple uses. If the business personnel do not transfer the tax payment funds to the treasury in a timely manner, it may lead to misappropriation of funds and the inability to use the funds for specific purposes, resulting in financial risks. When querying the payment at mark 7, if the fiscal non-tax system has already written off or cancelled the tax payment at this time, and the unit has successfully applied for the tax payment funds, it is necessary to apply in the integrated system to return the funds, increasing the processing transaction link processing flow of the whole process and increasing the labor and resource costs. When the payment fails at mark 9 and funds need to be hedged, the funds are returned and the quota is restored. If the manual processing is not timely, it will lead to fund occupation and the inability to initiate the payment again. The entire process is lengthy, the difficulty of monitoring and tracking funds is large, and the overall flow of funds cannot be grasped in a timely manner.

[0058] The present application adopts a pattern matching method to implement an adaptive treasury payment mechanism based on a specific pattern, which can effectively solve the disadvantages of the existing solutions. The entire payment process is processed in a closed loop, with layer-by-layer verification, and the transaction link is clear and simple. The flow of funds and the status of account movements can be grasped in real time. As Figure 3 shown below, a receiving data interception device is added to the module for obtaining the fiscal payment order. The function of this device is to receive the payment order certificate sent by the finance, automatically match the business type of the payment order, and perform automatic verification. The verification device is divided into 1 - verification of national treasury business, 2 - non-tax business verification, 3 - other. The role of adding the interception device is to solve the problem of delayed response of information flow, discover problems with the original data in a timely manner, prevent problematic data from being stored in the database and wasting storage space, reduce the traffic resources occupied by these problematic data in the subsequent information flow, and give timely feedback to the finance, instead of waiting until after the receipt is successful and the payment is made upon storage to give feedback.

[0059] Secondly, the present application adds a data preprocessing device, which has two purposes. One is to query the tax payment status of this payment in the fiscal non-tax system to check whether it is valid. Second, it verifies whether the payment information is complete. If it is incomplete, the incomplete payment information is supplemented according to the similar data detection algorithm to increase the fault tolerance mechanism. The payment data sent by the finance is generally manually entered, and due to certain mistakes, the data does not match the agreement. If the threshold of our interception device is too high, a lot of invalid data will appear. If the threshold is too low, the failure rate of our automatic treasury payment processing device will increase, thus increasing the subsequent error handling process. This device can not only solve the above-mentioned disadvantages three and four, but also be used to correct the treasury payment order, improve the accuracy of treasury payment, and reduce labor costs;

[0060] Finally, for the payment of non-tax revenue from the state treasury funds, interaction between the state treasury subsystem and the non-tax subsystem is required. The state treasury system will make an external call to the non-tax system to obtain a response. At the same time, the state treasury system needs to synchronize relevant payment information to the non-tax system for the non-tax system to track funds. This application sets up a data interaction device. This device is used for business interaction between the non-tax and state treasury systems. Controlled by a state machine, it automatically sends and receives relevant business messages for processing, completes status updates, and automatically retries, effectively solving the shortcomings of the above existing solutions.

[0061] The finance sends a payment order to the agency bank, and this sum of funds is used for the payment of taxes and fees by budget units; the data interception device verifies the payment order sent by the finance. The data that passes the verification enters the data preprocessing device, and the data that fails the verification is returned to the finance side through the fallback device; the data preprocessing device has two functions. One is to complete the payment order information that is incomplete. This device mainly verifies and supplements the payee information (payee's bank code, payee's bank name, payee's opening institution), verifies the payer information, obtains the settlement method, and obtains the accounting rules. These information are all necessary conditions for payment. Only when the information is complete can it enter the next automatic payment stage. The second is to verify the accuracy of the payment information, and obtain the validity of this payment code and payment information in real time to ensure the success of automatic payment; in this stage, the data that is successfully preprocessed enters the next stage of the automatic payment device, and the failed data is directly returned to the finance; the automatic payment device completes the accounting processing of the first and second stages of tax payment, automatic receipt, etc.; the fallback device mainly performs a rejection process on the incorrect payment order sent by the finance; the data interaction device, based on the principle of the state machine, automatically polls the status of the events being processed by the automatic payment device, and completes the processing of the response event tasks according to the response event corresponding to the current state.

[0062] As Figure 4 shown, the function of the data interception device is to receive the payment order sent by the finance, verify the content of the payment order. If the verification is successful, it enters the next step; if the verification fails, it performs a rejection. The verification results are divided into three levels: I - complete data, II - incomplete information that can be supplemented, III - unavailable information. For data of category I and II, it directly enters the next data preprocessing device; for data of category III, it enters the fallback device. The role of adding the interception device: to solve the problem of delayed response of the information flow, to discover problems with the original data in a timely manner, not to waste storage space for the problematic data that does not enter the warehouse, and to reduce the traffic resources occupied by these problematic data in the subsequent information flow. To give timely feedback to the finance, instead of waiting until after successful receipt and payment when the data is in the warehouse to give feedback. The relationship between the three elements for the current time and the verification elements is shown in Table 1.

[0063] Table 1

[0064]

[0065] The data preprocessing device has two functions. First, the invoicing and payment of tax payments do not occur simultaneously. Generally, there is a tax payment period after the general payment code is issued, and the payment information may change during this period. To ensure the validity and consistency of the payment information, the payment information is confirmed and compounded when the tax payment payment order is received. According to the payment code, the fiscal non-tax system is called externally to obtain the payment book information in real time. If the payment information is valid, the payment is applied for; if the payment information is invalid, the order is returned to the finance, stating the reason for the order return. Second, a fault tolerance mechanism is added. The payment data sent by the finance is generally manually entered, and the data does not match the agreement due to certain mistakes. If the threshold of the interception device is too high, many invalid data will occur; if the threshold is too low, the failure rate of the automatic treasury payment processing device will increase, thus increasing the subsequent error handling process. Therefore, this application corrects the data through this device. The implementation method of the data preprocessing device is as Figure 5 shown.

[0066] The relationship among the payment channel, payment mode, and payment object is as Figure 6 shown. The confirmation of the payment information is to call the fiscal non-tax system externally according to the payment code to obtain the status of the payment book. If the status is normal, the detailed payment information is registered; if the status is abnormal, the order is returned, and the payment order is returned to the finance. For how to complete the treasury payment information based on the prior information acquisition strategy, the payments that need to be completed include the payment mode and the payment object. First, the payment mode is adaptively matched according to the payment channel and the type of the payer. Mobile banking / personal online banking - individual payment, corporate online banking - corporate payment, unified teller counter - internal account payment / corporate payment, treasury fund payment - zero balance payment. Secondly, the corresponding payment object is matched according to the payment mode, and the payment object is maintained according to the established rules. Finally, the three-element information of the payment object is verified to prepare for the next automatic treasury payment.

[0067] As Figure 7 shown, the automatic treasury payment device is an independent module, which is controlled by a state machine, automatically filters the data that has been successfully preprocessed by the data, and responds to the corresponding operation events according to the state machine. First, it is judged whether the automatic payment switch is turned on according to different dimensions. If the switch is turned on, the main control work of automatic treasury payment starts. Secondly, the corresponding treasury payment device is selected according to different treasury payment modes. For example, the zero balance treasury payment device involved in the text is an independent service dedicated to processing zero balance treasury payments. Finally, according to the state value of the state machine, the corresponding state response service is pulled up by the pre-set state response event. This module works in multiple processes, and the modules work independently of each other without affecting each other.

[0068] As shown in Table 2, the state classification and corresponding response events in the zero-balance payment into the treasury mode are described. Each event module is an independent process, working independently. The event modules do not affect each other and are independently monitored. There is a certain time sequence in the business logic control among the modules, which is controlled by a state machine. Each business process can be traced throughout the whole process.

[0069] Table 2

[0070]

[0071]

[0072] The proposed application has the following advantages in addition to solving the above problems:

[0073] First, the overall payment process proposed in this application can significantly improve the fund settlement rate and reduce the fund transfer process. Second, this application adopts automatic payment into the treasury. Business personnel no longer need to operate the payment into the treasury in multiple systems, and the system automatically completes it, which can relieve the pressure on business personnel, reduce human intervention at the same time, and avoid operation risks. Third, it realizes single-account management, which is conducive to fund supervision and ensures the use of special funds for specific purposes. Fourth, this application can realize the whole-process closed-loop management of "budget preparation" - "budget indicators" - "fund payment" - "accounting treatment" for the tax and fee payment of budget units, preventing the risk of fund precipitation in the budget unit special account and deviation between actual payment and accounting system calculation from the source, and effectively improving the safety, standardization, and timeliness of the management and use of fiscal funds. Fifth, this invention adds a data interception device and a data preprocessing device. This device, on the one hand, verifies the payment order on the fiscal side, and on the other hand, automatically corrects the data with problems in the verification, increasing the system fault tolerance mechanism, improving the accuracy of payment into the treasury, and reducing manual verification.

[0074] In order to enable those skilled in the art to more clearly understand the technical solution of this application, the implementation process of the non-tax automatic payment into the treasury method of this application will be described in detail below with specific embodiments.

[0075] This embodiment relates to a specific non-tax automatic payment into the treasury method, including:

[0076] Obtain a payment order and determine the current instruction type according to the information of the payment order. The current instruction type is one of the following: available instruction and unavailable instruction. The available instruction is a complete available instruction or an incomplete available instruction;

[0077] In the case where it is determined that the current instruction type is a complete available instruction, perform the payment into the treasury operation based on the payment order to complete the automatic payment into the treasury work;

[0078] In the case where it is determined that the current instruction type is an unavailable instruction, return the payment order;

[0079] In the case where the current instruction type is determined to be an incomplete available instruction, complete the missing information of the payment order to obtain a complete payment order. The missing information includes the beneficiary bank code, beneficiary bank name, beneficiary's account opening institution, payer's account opening institution, payer's account number, and payer's account name.

[0080] Specifically, in the form of a mapping relationship, query the corresponding missing information from the database according to the taxpayer's unique identifier of the payment order; fill in the corresponding missing information into the payment order, and update the status of the state machine of the payment order from the pending state to the pending treasury payment state to obtain a complete payment order.

[0081] Execute the treasury payment operation based on the complete payment order to complete the automatic treasury payment work.

[0082] Among them, in the case where the status value of the state machine of the complete payment order is the pending treasury payment state, monitor the status value of the state machine of each step in the treasury payment operation; in the case where the status value of the state machine of a step does not conform to the specification, generate the corresponding prompt information, and the prompt information is used to prompt that the status value of the state machine of the step does not conform to the specification. In the case where the number of request failures of a step in the treasury payment operation is greater than or equal to the preset number, generate an alarm information, and the alarm information is used to prompt that there is an error in a step in the treasury payment operation; in the case where the number of request failures of a step in the treasury payment operation is less than the preset number, resend the request to complete the automatic treasury payment work.

[0083] Specifically, in the case where it is detected that the funds are successfully transferred from the clearing account to the zero balance account, update the status value of the state machine to the pending payment confirmation state and start the pending payment confirmation process; after receiving the fiscal confirmation payment information, update the status value of the state machine to the pending reconciliation state and start the reconciliation process; after the reconciliation is correct, update the status value of the state machine to the pending settlement state and start the settlement process; after the settlement is successful, update the status value of the state machine to the pending treasury payment state and send the treasury payment instruction to start the treasury payment process; after the treasury payment is successful, update the status value of the state machine to the successful state and generate the treasury payment result.

[0084] It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although the logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in a different order than here.

[0085] The embodiments of the present application also provide a non-tax automatic payment device for depositing into the treasury. It should be noted that the non-tax automatic payment device for depositing into the treasury in the embodiments of the present application can be used to execute the non-tax automatic payment method provided by the embodiments of the present application. The device is used to implement the above embodiments and preferred implementation manners, and those that have been described will not be repeated. As used below, the term "module" can be a combination of software and / or hardware that can achieve a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware is also possible and contemplated.

[0086] The following introduces the non-tax automatic payment device for depositing into the treasury provided by the embodiments of the present application.

[0087] Figure 8 It is a structural block diagram of a non-tax automatic payment device for depositing into the treasury provided according to an embodiment of the present application. As Figure 8 shown, the device includes:

[0088] An acquisition unit 81, configured to acquire a payment order, and determine the current instruction type according to the information of the payment order. The current instruction type is one of the following: an available instruction and an unavailable instruction. The available instruction is a complete available instruction or an incomplete available instruction;

[0089] A first processing unit 82, configured to complete the missing information of the payment order to obtain a complete payment order when it is determined that the current instruction type is the incomplete available instruction;

[0090] A second processing unit 83, configured to execute a treasury deposit operation based on the complete payment order to complete the automatic treasury deposit work.

[0091] In the above device, by acquiring a payment order, determining the current instruction type according to the information of the payment order, when it is determined that the current instruction type is the incomplete available instruction, completing the missing information of the payment order to obtain a complete payment order; executing a treasury deposit operation based on the complete payment order to complete the closed-loop processing of the entire process of automatic treasury deposit payment, thereby achieving the purpose of layer-by-layer verification and a clear and simple transaction link. At the same time, the fund flow and account movement status can be grasped in real time. Compared with the existing solutions, it can handle the situation of incomplete information, thus solving the problem that the existing non-tax treasury deposit solutions cannot handle the situation of incomplete information and the overall efficiency is low due to manual participation in the middle.

[0092] In an embodiment of the present application, the first processing unit includes a first processing module and a second processing module. The first processing module is configured to query the corresponding missing information from the database according to the taxpayer unique identifier of the payment order in the form of a mapping relationship. The second processing module is configured to fill the corresponding missing information into the payment order and update the status of the state machine of the payment order from the pending processing state to the pending treasury deposit state to obtain the complete payment order.

[0093] In an embodiment of the present application, the missing information includes the payee bank number, payee bank name, payee account opening institution, payer account opening institution, payer account number, and payer account name.

[0094] In an embodiment of the present application, the second processing unit includes a third processing module and a fourth processing module. The third processing module is configured to monitor the status value of the state machine of each step in the treasury deposit operation during the process of performing the treasury deposit operation based on the complete payment order when the status value of the state machine of the complete payment order is the pending treasury deposit state. The fourth processing module is configured to generate a corresponding prompt message when the status value of the state machine of a step does not conform to the specification, and the prompt message is used to prompt that the status value of the state machine of the step does not conform to the specification.

[0095] In an embodiment of the present application, the second processing unit includes a fifth processing module and a sixth processing module. The fifth processing module is configured to generate an alarm message when the number of request failures of a step in the treasury deposit operation is greater than or equal to a preset number during the process of performing the treasury deposit operation based on the complete payment order, and the alarm message is used to prompt that there is an error in the step in the treasury deposit operation. The sixth processing module is configured to resend the request to complete the automatic treasury deposit work when the number of request failures of a step in the treasury deposit operation is less than the preset number.

[0096] In an embodiment of the present application, the second processing unit includes a seventh processing module, an eighth processing module, a ninth processing module, a tenth processing module, and an eleventh processing module. The seventh processing module is configured to update the status value of the state machine to the pending payment confirmation state and start the pending payment confirmation process when it is detected that the funds are successfully transferred from the clearing account to the zero balance account. The eighth processing module is configured to update the status value of the state machine to the pending reconciliation state and start the reconciliation process after receiving the financial confirmation of payment information. The ninth processing module is configured to update the status value of the state machine to the pending settlement state and start the settlement process after the reconciliation is correct. The tenth processing module is configured to update the status value of the state machine to the pending treasury deposit state and send a treasury deposit instruction to start the treasury deposit process after the settlement is successful. The eleventh processing module is configured to update the status value of the state machine to the successful state and generate a treasury deposit result after the treasury deposit is successful.

[0097] In one embodiment of the present application, the above device further includes a third processing unit and a fourth processing unit. The third processing unit is configured to, after determining the current instruction type according to the information of the above payment order, in the case where the above current instruction type is determined to be the above complete and available instruction, perform a treasury deposit operation based on the above payment order to complete the automatic treasury deposit work; the fourth processing unit is configured to, in the case where the above current instruction type is determined to be the above unavailable instruction, return the above payment order.

[0098] The above non-tax automatic treasury deposit device includes a processor and a memory. The above acquisition unit, the first processing unit, the second processing unit, etc. are all stored in the memory as program units, and the corresponding functions are implemented by the processor executing the above program units stored in the memory. The above modules are all located in the same processor; or, the above modules are respectively located in different processors in any combination form.

[0099] The processor contains a kernel, and the kernel is used to retrieve the corresponding program units from the memory. One or more kernels can be set. By adjusting the kernel parameters, the problem that the non-tax treasury deposit in the existing solution cannot handle the situation of incomplete information and the overall efficiency is relatively low due to manual participation in the middle can be solved.

[0100] The memory may include non-permanent memory in a computer-readable medium, in the form of random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM), and the memory includes at least one storage chip.

[0101] The embodiment of the present invention provides a computer-readable storage medium. The above computer-readable storage medium includes a stored program, wherein when the above program runs, it controls the device where the above computer-readable storage medium is located to execute the above non-tax automatic treasury deposit method.

[0102] The embodiment of the present invention provides a processor. The above processor is used to run a program, wherein when the above program runs, it executes the above non-tax automatic treasury deposit method.

[0103] An embodiment of the present invention provides a device, which includes a processor, a memory, and a program stored on the memory and executable on the processor. When the processor executes the program, it implements at least the following steps: obtaining a payment order, and determining the current instruction type according to the information of the payment order. The current instruction type is one of the following: available instruction and unavailable instruction. The available instruction is a complete available instruction or an incomplete available instruction; in the case where it is determined that the current instruction type is the incomplete available instruction, completing the missing information of the payment order to obtain a complete payment order; performing a payment-into-treasury operation based on the complete payment order to complete the automatic payment-into-treasury work. The device in this article can be a server, a PC, a PAD, a mobile phone, etc.

[0104] The present application also provides a computer program product, which, when executed on a data processing device, is adapted to execute a program initialized with at least the following method steps: obtaining a payment order, and determining the current instruction type according to the information of the payment order. The current instruction type is one of the following: available instruction and unavailable instruction. The available instruction is a complete available instruction or an incomplete available instruction; in the case where it is determined that the current instruction type is the incomplete available instruction, completing the missing information of the payment order to obtain a complete payment order; performing a payment-into-treasury operation based on the complete payment order to complete the automatic payment-into-treasury work.

[0105] The present application also provides a non-tax automatic payment-into-treasury system, which includes: one or more processors, a memory, and one or more programs. Among them, the one or more programs are stored in the memory and are configured to be executed by the one or more processors. The one or more programs include those for executing any one of the above methods. By obtaining a payment order, determining the current instruction type according to the information of the payment order, in the case where it is determined that the current instruction type is the incomplete available instruction, completing the missing information of the payment order to obtain a complete payment order; performing a payment-into-treasury operation based on the complete payment order to complete the closed-loop processing of the entire payment process for automatic payment-into-treasury, thereby achieving the purpose of layer-by-layer verification and a clear and simple transaction link. At the same time, the fund flow and account movement status can be grasped in real time. Compared with the existing solutions, it can handle the situation of incomplete information, thus solving the problem that the existing non-tax payment-into-treasury solutions cannot handle the situation of incomplete information and the overall efficiency is relatively low due to manual participation in the middle.

[0106] Obviously, those skilled in the art should understand that the various modules or steps of the present invention described above can be implemented by a general-purpose computing device. They can be concentrated on a single computing device or distributed over a network composed of multiple computing devices. They can be implemented by program codes executable by the computing device. Thus, they can be stored in a storage device and executed by the computing device. And in some cases, the steps shown or described can be executed in a different order than here, or they can be separately fabricated into individual integrated circuit modules, or multiple modules or steps among them can be fabricated into a single integrated circuit module for implementation. In this way, the present invention is not limited to any specific combination of hardware and software.

[0107] Those skilled in the art should understand that the embodiments of the present application can be provided as a method, a system, or a computer program product. Therefore, the present application can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) containing computer-usable program codes.

[0108] The present application is described with reference to the flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, as well as the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate a device for implementing the functions specified in Figure 1 one or more of the flows or multiple flows and / or blocks Figure 1 one or more of the blocks or multiple blocks.

[0109] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including an instruction device that implements the functions specified in Figure 1 one or more of the flows or multiple flows and / or blocks Figure 1 one or more of the blocks or multiple blocks.

[0110] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process. Thus, the instructions executed on the computer or other programmable device provide for implementing the functions in the flowFigure 1 one or more processes and / or blocks Figure 1 steps of functions specified in one or more blocks

[0111] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and memory.

[0112] The memory may include non-permanent memory in the form of computer-readable media, random access memory (RAM), and / or non-volatile memory such as read-only memory (ROM) or flash memory (flash RAM). The memory is an example of computer-readable media.

[0113] Computer-readable media includes permanent and non-permanent, removable and non-removable media and can store information by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0114] It should also be noted that the term "comprising", "including" or any other variation thereof is intended to cover non-exclusive inclusion, so that a process, method, commodity or device comprising a series of elements not only includes those elements, but also includes other elements not expressly listed, or elements inherent to such process, method, commodity or device. Without further limitation, an element defined by the statement "comprising an..." does not exclude the presence of additional identical elements in the process, method, commodity or device comprising the element.

[0115] From the above description, it can be seen that the above embodiments of the present application achieve the following technical effects:

[0116] 1) The non-tax automatic payment into treasury method of the present application obtains a payment order, determines the current order type according to the information of the payment order, and when it is determined that the current order type is the incomplete available order, completes the missing information of the payment order to obtain a complete payment order; performs the payment into treasury operation based on the complete payment order to complete the closed-loop processing of the entire process of automatic payment for work payment into treasury, thus achieving the purpose of layer-by-layer verification and a clear and simple transaction link. At the same time, the fund flow and account movement status can be grasped in real time. Compared with the existing solutions, it can handle the situation of incomplete information, thus solving the problem that the non-tax payment into treasury of the existing solutions cannot handle the situation of incomplete information and the overall efficiency is relatively low due to manual participation in the middle.

[0117] 2) The non-tax automatic payment into treasury device of the present application obtains a payment order, determines the current order type according to the information of the payment order, and when it is determined that the current order type is the incomplete available order, completes the missing information of the payment order to obtain a complete payment order; performs the payment into treasury operation based on the complete payment order to complete the closed-loop processing of the entire process of automatic payment for work payment into treasury, thus achieving the purpose of layer-by-layer verification and a clear and simple transaction link. At the same time, the fund flow and account movement status can be grasped in real time. Compared with the existing solutions, it can handle the situation of incomplete information, thus solving the problem that the non-tax payment into treasury of the existing solutions cannot handle the situation of incomplete information and the overall efficiency is relatively low due to manual participation in the middle.

[0118] The above are only the preferred embodiments of the present application and are not used to limit the present application. For those skilled in the art, various changes and modifications can be made to the present application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A non-tax automatic payment method for treasury, characterized in that, It includes: Obtain a payment order, and determine the current instruction type based on the information of the payment order. The current instruction type is one of the following: available instruction and unavailable instruction. The available instruction is a complete available instruction or an incomplete available instruction; In the case where it is determined that the current instruction type is the incomplete available instruction, complete the missing information of the payment order to obtain a complete payment order; Based on the complete payment order, perform a treasury payment operation to complete the automatic treasury payment work.

2. The method according to claim 1, characterized in that, In the case where it is determined that the current instruction type is the incomplete available instruction, complete the missing information of the payment order to obtain a complete payment order, including: In a mapping relationship manner, query the corresponding missing information from the database according to the taxpayer unique identifier of the payment order; Fill the corresponding missing information into the payment order, and update the status of the state machine of the payment order from the pending processing state to the pending treasury payment state to obtain the complete payment order.

3. The method according to claim 1 or 2, characterized in that The missing information includes the receiving bank number, receiving bank name, receiving bank's opening institution, payer's opening institution, payer's account number, and payer's account name.

4. The method according to claim 2, wherein During the process of performing the treasury payment operation based on the complete payment order, the method further includes: In the case where the status value of the state machine of the complete payment order is the pending treasury payment state, monitor the status value of the state machine of each step in the treasury payment operation; In the case where the status value of the state machine of a step does not meet the specification, generate a corresponding prompt message, and the prompt message is used to prompt that the status value of the state machine of the step does not meet the specification.

5. The method according to claim 1, wherein During the process of performing the treasury payment operation based on the complete payment order, the method further includes: In the case where the number of request failures of a step in the treasury payment operation is greater than or equal to the preset number, generate an alarm message, and the alarm message is used to prompt that there is an error in the step in the treasury payment operation; In the case where the number of request failures of a step in the treasury payment operation is less than the preset number, resend the request to complete the automatic treasury payment work.

6. The method according to claim 1, wherein Performing the treasury payment operation includes: In the case where it is detected that the funds are successfully transferred from the clearing account to the zero balance account, update the status value of the state machine to the pending payment confirmation state, and start the pending payment confirmation process; After receiving the fiscal confirmation payment information, update the status value of the state machine to the pending reconciliation state, and start the reconciliation process; After the reconciliation is correct, update the status value of the state machine to the pending settlement state, and start the settlement process; After the settlement is successful, update the status value of the state machine to the pending treasury payment state, and send a treasury payment instruction to start the treasury payment process; After the treasury payment is successful, update the status value of the state machine to the successful state, and generate a treasury payment result.

7. The method according to claim 1, characterized in that, After determining the current instruction type based on the information of the payment order, the method further includes: In the case where it is determined that the current instruction type is the complete available instruction, perform a treasury payment operation based on the payment order to complete the automatic treasury payment work; In the case where it is determined that the current instruction type is the unavailable instruction, return the payment order.

8. A non-tax automatic payment device, characterized in that, It includes: An acquisition unit, configured to acquire a payment order and determine a current instruction type according to the information of the payment order, where the current instruction type is one of the following: an available instruction and an unavailable instruction, and the available instruction is a complete available instruction or an incomplete available instruction; A first processing unit, configured to, when it is determined that the current instruction type is the incomplete available instruction, complete the missing information of the payment order to obtain a complete payment order; A second processing unit, configured to perform a payment operation based on the complete payment order to complete the automatic payment work.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored program, wherein when the program runs, it controls the device where the computer-readable storage medium is located to execute the method according to any one of claims 1 to 7.

10. A non-tax automatic payment system for treasury, characterized in that, Comprising: One or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include a method for executing the method according to any one of claims 1 to 7.

Images