CN111260350A

CN111260350A - Tax payment method and device, electronic equipment and storage medium

Info

Publication number: CN111260350A
Application number: CN202010027953.2A
Authority: CN
Inventors: 潘舒婕; 孔令斌
Original assignee: NetsUnion Clearing Corp
Current assignee: NetsUnion Clearing Corp
Priority date: 2020-01-10
Filing date: 2020-01-10
Publication date: 2020-06-09
Anticipated expiration: 2040-01-10
Also published as: CN111260350B

Abstract

The application provides a payment method, a payment device, an electronic device and a storage medium for paying taxes, wherein the method is applied to a clearing mechanism and comprises the following steps: acquiring tax payment identification information sent by a first account mechanism; sending the tax payment identification information to a tax institution for inquiry, and receiving tax information to be paid corresponding to the tax payment identification information fed back by the tax institution; the method comprises the steps that tax information to be paid is sent to a first account mechanism, and a payment request sent by the first account mechanism is received; sending the payment request to a second account mechanism for processing, and confirming information with the tax institution according to a payment result fed back by the second account mechanism to obtain tax payment receipt information; and sending the tax payment receipt information to the first account mechanism so that the first account mechanism generates a tax payment result according to the tax payment receipt information and sends the tax payment result to the user terminal. Therefore, the clearing mechanism respectively performs information interaction with the first account, the second account and the tax institution to confirm and acquire tax payment receipt information, and the tax payment efficiency is improved.

Description

Tax payment method and device, electronic equipment and storage medium

Technical Field

The present application relates to the field of payment processing technologies, and in particular, to a method and an apparatus for paying taxes, an electronic device, and a storage medium.

Background

At present, in the existing payment method of online banking payment, after a user selects the online banking payment method in an online tax declaration system, a user page undergoes multiple jumps in an internet environment, a transaction link is too long, and the failure rate of payment caused by the jumps is high.

Disclosure of Invention

The present application is directed to solving, at least to some extent, one of the technical problems in the related art.

Therefore, the method for paying the taxes solves the technical problems that a user side page needs to jump for multiple times and the payment failure rate is high in a tax payment mode in the prior art, the clearing mechanism acquires tax information to be paid from a tax institution and sends the tax information to the first account institution, the payment request is acquired from the first account institution and payment is performed from the signed and bound second account institution, and finally the clearing mechanism confirms the information with the tax institution according to the payment result to acquire tax payment receipt information, so that the situation that the user side page needs to jump for multiple times is avoided, the tax payment efficiency is improved, the problem that page display information cannot be unified due to jumping is avoided, and the user experience is improved.

The application provides another tax payment method.

The present application provides a clearing mechanism.

The present application proposes a first account authority.

The application provides a user terminal.

The application provides a payment system for paying taxes.

The application provides an electronic device.

The present application provides a computer-readable storage medium.

The embodiment of the first aspect of the application provides a payment method for paying taxes, which is applied to a clearing mechanism and comprises the following steps:

acquiring tax payment identification information sent by a first account mechanism;

sending the tax payment identification information to a tax institution for inquiry, and receiving tax information to be paid, which is fed back by the tax institution and corresponds to the tax payment identification information;

sending the tax information to be paid to the first account mechanism, and receiving a payment request sent by the first account mechanism;

sending the payment request to a second account mechanism for processing, confirming information with the tax institution according to a payment result fed back by the second account mechanism, and acquiring tax payment receipt information;

and sending the tax payment receipt information to the first account mechanism so that the first account mechanism generates a tax payment result according to the tax payment receipt information and sends the tax payment result to a user terminal.

The embodiment of the second aspect of the present application provides another tax payment method, which is applied to a first account mechanism, and includes:

acquiring tax payment identification information, and acquiring the tax payment information corresponding to the tax payment identification information by calling an information query interface of a clearing mechanism to be paid;

generating a payment request according to the information of the tax to be paid, and sending the payment request to the clearing mechanism for the clearing mechanism to transfer to a second account mechanism, wherein the payment request comprises account information and payment amount of the second account mechanism;

receiving tax payment receipt information fed back by the clearing mechanism, wherein the tax payment receipt information is obtained by the clearing mechanism after information confirmation is carried out on the tax payment receipt information and the tax institution according to a payment result fed back by the second account institution;

and generating a tax payment result according to the tax payment receipt information, and sending the tax payment result to the user terminal.

An embodiment of a third aspect of the present application provides a method for paying taxes, which is applied to a user terminal, and includes:

scanning the tax payment two-dimensional code to acquire tax payment identification information;

sending the tax payment identification information to a first account mechanism;

receiving and displaying the to-be-paid tax information fed back by a first account mechanism, wherein the first account mechanism acquires the to-be-paid tax information corresponding to the tax-paying identification information by calling an to-be-paid information query interface of a clearing mechanism;

generating tax payment confirmation information according to the information of the tax to be paid and sending the tax payment confirmation information to the first account mechanism so that the first account mechanism generates a payment request which corresponds to the information of the tax to be paid and comprises a second account mechanism;

receiving a tax payment result which is generated according to tax payment receipt information and fed back by the first account mechanism, and displaying the tax payment result; and the first account mechanism receives the tax payment receipt information which is obtained by the clearing mechanism according to the payment result fed back by the second account mechanism and the tax institution through information confirmation.

An embodiment of a fourth aspect of the present application provides a clearinghouse, comprising:

the first acquisition module is used for acquiring tax payment identification information sent by a first account mechanism;

the first sending and receiving module is used for sending the tax payment identification information to a tax institution for inquiry and receiving tax information to be paid, which is fed back by the tax institution and corresponds to the tax payment identification information;

the second sending and receiving module is used for sending the tax information to be paid to the first account mechanism and receiving a payment request sent by the first account mechanism;

the sending and obtaining module is used for sending the payment request to a second account mechanism for processing, confirming information with the tax institution according to a payment result fed back by the second account mechanism, and obtaining tax payment receipt information;

and the first sending module is used for sending the tax payment receipt information to the first account mechanism so that the first account mechanism generates a tax payment result according to the tax payment receipt information and sends the tax payment result to the user terminal.

An embodiment of a fifth aspect of the present application provides a first account mechanism, including:

the acquiring module is used for acquiring tax payment identification information and acquiring the tax payment information corresponding to the tax payment identification information by calling an information query interface of a clearing mechanism to be paid;

the first generation and sending module is used for generating a payment request according to the information of the tax to be paid and sending the payment request to the clearing mechanism for the clearing mechanism to transfer to a second account mechanism, wherein the payment request comprises account information and payment amount of the second account mechanism;

the first receiving module is used for receiving tax payment receipt information fed back by the clearing mechanism, and the tax payment receipt information is obtained after the clearing mechanism confirms information with the tax institution according to a payment result fed back by the second account institution;

and the second generation and sending module is used for generating a tax payment result according to the tax payment receipt information and sending the tax payment result to the user terminal.

An embodiment of a sixth aspect of the present application provides a user terminal, including:

the scanning module is used for scanning the tax payment two-dimensional code to acquire tax payment identification information;

the second sending module is used for sending the tax payment identification information to the first account mechanism;

the receiving and displaying module is used for receiving and displaying the to-be-paid tax information fed back by the first account mechanism, wherein the first account mechanism acquires the to-be-paid tax information corresponding to the tax-paying identification information by calling an to-be-paid information query interface of the clearing mechanism;

the third generation and transmission module is used for generating tax payment confirmation information according to the information of the to-be-paid tax and transmitting the tax payment confirmation information to the first account mechanism so that the first account mechanism generates a payment request which corresponds to the information of the to-be-paid tax and comprises a second account mechanism;

the second receiving module is used for receiving a tax payment result which is generated according to the tax payment receipt information and fed back by the first account mechanism and displaying the tax payment result; and the first account mechanism receives the tax payment receipt information which is obtained by the clearing mechanism according to the payment result fed back by the second account mechanism and the tax institution through information confirmation.

An embodiment of a seventh aspect of the present application provides a payment system for paying taxes, including: the clearing institution of the embodiment of the fourth aspect, the first account institution of the embodiment of the fifth aspect, the user terminal, the tax institution and the second account institution of the embodiment of the sixth aspect;

the first account mechanism acquires tax payment identification information and sends the tax payment identification information to the clearing mechanism;

the clearing mechanism sends the tax payment identification information to the tax institution for inquiry, receives tax information to be paid corresponding to the tax payment identification information fed back by the tax institution, and sends the tax information to be paid to the first account institution;

the first account mechanism determines a second account mechanism according to the information of the tax to be paid, and sends a payment request to the second account mechanism through the clearing mechanism;

the clearing mechanism confirms information with the tax institution according to the payment result fed back by the second account institution, acquires tax payment receipt information and sends the tax payment receipt information to the first account institution;

and the first account mechanism generates a tax payment result according to the tax payment receipt information fed back by the clearing mechanism and sends the tax payment result to the user terminal.

An embodiment of another aspect of the present application provides an electronic device, including: the tax payment method comprises the following steps of storing the tax payment program, storing the tax payment program in a memory, and executing the tax payment program on a processor.

In yet another aspect, the present application provides a computer-readable storage medium, on which a computer program is stored, which when executed by a processor, implements the tax payment method of the foregoing method embodiments.

The technical scheme provided by the embodiment of the application can have the following beneficial effects:

according to the tax payment method, a first account mechanism obtains tax payment identification information through a user terminal (such as an application program corresponding to a bank payment mechanism and a non-bank payment mechanism) through a code scanning mode and the like and sends the tax payment identification information to a clearing mechanism, the clearing mechanism obtains tax information to be paid corresponding to the tax payment identification information from a tax institution and sends the tax information to the first account mechanism, a payment request is obtained from the first account mechanism, payment is carried out from a second account mechanism which is bound in a signed mode, and finally the clearing mechanism confirms information with the tax institution according to a payment result to obtain tax payment receipt information.

Drawings

The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:

FIG. 1 is a diagram illustrating an example of payment of tax by an online bank in the prior art;

fig. 2 is a schematic flow chart illustrating a payment method for paying taxes according to an embodiment of the present disclosure;

fig. 3 is a schematic flow chart of another tax payment method according to an embodiment of the present application;

fig. 4 is a schematic flowchart of another tax payment method according to an embodiment of the present application;

fig. 5 is an exemplary diagram of a payment method for paying taxes according to an embodiment of the present application;

FIG. 6 is a schematic diagram of a clearing mechanism according to an embodiment of the present application;

FIG. 7 is a schematic structural diagram of a first account mechanism according to an embodiment of the present disclosure;

fig. 8 is a schematic structural diagram of a user terminal according to an embodiment of the present application;

fig. 9 is a schematic structural diagram of a tax payment system according to an embodiment of the present application.

Detailed Description

Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary and intended to be used for explaining the present application and should not be construed as limiting the present application.

A method, an apparatus, an electronic device, and a storage medium for paying taxes according to an embodiment of the present application are described below with reference to the drawings.

Specifically, in order to make the description of the tax payment method more clear to those skilled in the art, the tax payment method in the present application involves: the first account institution, the clearing institution, the tax institution, the user terminal and the second account institution.

The first account institution (bank and non-bank payment institutions) refers to an initiator of national bank tax payment transaction, and a payment institution or bank which provides application code scanning service for users and initiates the transaction.

The second account mechanism is a banking mechanism which provides account system service for the user in national bank tax payment transaction and is responsible for receiving transaction information and carrying out processing such as account deduction or account entry.

The user terminal is used for completing tax payment declaration by the user through an electronic tax bureau webpage, a tax hall, a tax self-service machine and the like, and the user terminal can directly acquire tax payment identification information or scan a tax payment two-dimensional code through a first account mechanism application program in the user terminal to acquire the tax payment identification information.

The clearing institution is an institution approved by the Chinese people bank and responsible for processing fund clearing services related to the payment institution and the bank, and can provide a direct connection channel for the first account institution and the tax institution and provide network payment services for users in tax payment.

The tax authority refers to a tax collection agency.

In practical application, there are many ways to pay taxes, for example, as shown in fig. 1, a user selects non-payment tax information through a relevant page of an electronic tax bureau, the payment mode is selected as online banking payment, the payment is clicked, a user terminal page jumps to a settlement center page, the settlement center page shows order details and a payment bank for the user, the user confirms the payment order and selects the payment bank, the user terminal page jumps from the settlement center page to a bank gateway page, the bank gateway page shows payment information for the user, the user selects a bank account and inputs payment information on the bank gateway page to confirm payment, the bank informs the payment result to the settlement center, the user page jumps to the settlement center page and shows the payment result, and finally, the settlement center informs a tax institution of the payment result and updates the tax payment state of the user.

From the above example, it can be seen that after the user selects the online banking payment mode, the user terminal page undergoes 3 hops in the internet environment, the transaction link is too long, the payment failure rate caused by the hops is high (generally, the failure rate is increased by about 30% every hop), and the user terminal page is easy to hijack in the hopping process, and the user needs to check payment contents for many times, and the user terminal page shows information redundancy and other problems.

Fig. 2 is a schematic flow chart of a payment method for paying taxes according to an embodiment of the present disclosure.

For more clear description of the tax payment method of the present application, first, description is made on the clearing house side, as shown in fig. 2, the method includes the following steps:

step 101, acquiring tax payment identification information sent by a first account mechanism.

And 103, sending the tax payment identification information to a tax institution for inquiry, and receiving the tax information to be paid corresponding to the tax payment identification information fed back by the tax institution.

In practical application, a user sends a payment information inquiry request to a first account mechanism through a user terminal, wherein the payment information inquiry request comprises encrypted tax payment user numbers, tax payment item information and collection authority code information, the first account mechanism can directly forward the payment information inquiry request to a clearing mechanism, and can also process the payment information inquiry request to obtain tax payment identification information, encrypt the tax payment identification information and send the tax payment identification information to the first account mechanism, so that the clearing mechanism can obtain the tax payment identification information sent by the first account mechanism in various ways and can be selected according to actual needs.

As a possible implementation manner, a payment information inquiry request sent by a first account mechanism is received, wherein the payment information inquiry request comprises encrypted tax payment user numbers, tax payment item information and collection department code information; and decrypting the agent payment information query request, and extracting tax payment identification information, such as tax payment user numbers, tax payment item information, collecting organ code information and the like, wherein the encryption mode can be symmetric encryption, asymmetric encryption and the like, and can be selectively set according to actual safety requirements.

Further, after the clearing mechanism receives the tax payment identification information sent by the first account mechanism, the clearing mechanism acquires the information of the tax to be paid, such as units, names, details of the tax payment, such as amount, and the like, corresponding to the tax payment identification information through a direct channel with the tax institution.

And 105, sending the information of the tax to be paid to the first account mechanism, and receiving a payment request sent by the first account mechanism.

And 107, sending the payment request to the second account mechanism for processing, confirming information with the tax institution according to the payment result fed back by the second account mechanism, and acquiring tax payment receipt information.

And step 109, sending the tax payment receipt information to the first account mechanism so that the first account mechanism generates a tax payment result according to the tax payment receipt information and sends the tax payment result to the user terminal.

Specifically, after the information of the tax to be paid is sent to the first account mechanism, the first account mechanism sends the information of the tax to be paid to the user terminal for display, and the user can determine whether the information of the tax to be paid is correct, so that after the user confirms the information of the tax to be paid, the first account mechanism can receive a payment instruction of the tax to be paid, and determine that the second account mechanism (namely, a signed bank account) generates a payment request according to the payment instruction of the tax to be paid, so that the first account mechanism sends the payment request to the clearing mechanism, and the clearing mechanism sends the payment request to the second account mechanism, so that the second account mechanism processes the payment request to generate a payment result which is fed back to the clearing mechanism.

Furthermore, the information is confirmed with the tax institution according to the payment result fed back by the second account institution, and various ways of acquiring the tax payment receipt information are provided, as a possible implementation way, under the condition that the payment result indicates that the payment is successful, the tax receipt service locking interface is called to send a bill locking request to the tax institution; receiving a ticket locking result fed back by the tax institution; under the condition that the ticket locking result indicates that tax payment can be executed, generating a tax payment receipt request and sending the tax payment receipt request to a tax institution; and receiving tax payment receipt information fed back by the tax institution.

In addition, when the ticket locking result indicates that the tax payment is not executable, a refund request is sent to the second account mechanism so that the second account mechanism performs refund processing.

The ticket locking request mainly refers to whether a clearing mechanism requests a tax institution to pay or not, and because a plurality of clearing mechanisms possibly request the tax institution, such as an online clearing mechanism, a union pay clearing mechanism and the like, can simultaneously avoid repeated payment, and the payment flexibility and efficiency are improved.

In the tax payment method of the embodiment of the application, tax payment identification information sent by a first account mechanism is acquired; sending the tax payment identification information to a tax institution for inquiry, and receiving tax information to be paid corresponding to the tax payment identification information fed back by the tax institution; the method comprises the steps that tax information to be paid is sent to a first account mechanism, and a payment request sent by the first account mechanism is received; sending the payment request to a second account mechanism for processing, confirming information with a tax institution according to a payment result fed back by the second account mechanism, and acquiring tax payment receipt information; and sending the tax payment receipt information to the first account mechanism so that the first account mechanism generates a tax payment result according to the tax payment receipt information and sends the tax payment result to the user terminal. Therefore, the technical problems that a user side page needs to jump for multiple times and the payment failure rate is high in the tax payment mode in the prior art are solved, the tax information to be paid is acquired from the tax institution through the clearing mechanism and is sent to the first account institution, the payment request is acquired from the first account institution, payment is carried out from the signed and bound second account institution, and finally the clearing mechanism confirms the information according to the payment result and the tax institution to acquire tax payment receipt information.

In order to more fully describe the above embodiments, the present embodiment provides another tax payment method, which is described by using the first account institution side, and fig. 3 is a schematic flow chart of another tax payment method provided in the embodiments of the present application.

As shown in fig. 3, the method may include the steps of:

step 201, acquiring tax payment identification information, and acquiring the tax to be paid information corresponding to the tax payment identification information by calling an information query interface of a clearing institution.

Specifically, the first account mechanism may receive tax payment identification information sent by the user terminal, such as tax payment identification information, including a tax payment user number, tax payment item information, tax collection authority code information, and the like, where the user terminal may send a payment information query request, where the payment information query request includes an encrypted tax payment user number, tax payment item information, and collection authority code information, and may decrypt the payment information query request, extract the tax payment identification information, and send the tax payment identification information to the clearing authority, or directly forward the payment information query request to the clearing authority.

Therefore, after acquiring the identification information of the tax payment, the first account mechanism calls the interface of the clearing mechanism for inquiring the information of the tax payment to acquire the information of the tax payment corresponding to the identification information of the tax payment, that is, after acquiring the identification information of the tax payment, the clearing mechanism inquires the information of the tax payment to the tax institution, and the tax institution returns the information of the tax payment to the clearing mechanism, so that the clearing mechanism returns the information of the tax payment such as the unit, name, details of the tax payment such as the amount, and the like.

And step 203, generating a payment request according to the information of the tax to be paid, and sending the payment request to a clearing mechanism for the clearing mechanism to transfer to a second account mechanism, wherein the payment request comprises account information and payment amount of the second account mechanism.

And step 205, receiving the tax payment receipt information fed back by the clearing mechanism, wherein the tax payment receipt information is obtained after the clearing mechanism confirms the information with the tax institution according to the payment result fed back by the second account institution.

And step 207, generating a tax payment result according to the tax payment receipt information, and sending the tax payment result to the user terminal.

It can be understood that, after displaying the information of the to-be-paid tax, the user can determine whether the information of the to-be-paid tax is correct, so that after the user confirms the information of the to-be-paid tax, the user can receive a payment instruction of the to-be-paid tax, determine a second account mechanism (namely a signed bank account) according to the payment instruction of the to-be-paid tax, send a payment request to the second account mechanism through the clearing mechanism, where the payment request includes account information and payment amount of the second account mechanism, so that the second account mechanism processes the payment request to generate a payment result (payment success or payment failure) and sends the payment result to the clearing mechanism, and the clearing mechanism performs information confirmation with the tax mechanism according to the payment result and obtains the receipt information of the to-be-paid tax.

It can be understood that the payment result may be successful or unsuccessful, and the failure information is directly displayed to the user when the payment is unsuccessful, and when the payment is successful, the payment receipt information fed back by the clearing mechanism is also received, more specifically, the clearing mechanism determines that the payment is successful according to the payment result, calls the tax receipt service locking interface to send a ticket locking request to the tax institution, receives the ticket locking result fed back by the tax institution, generates a tax payment receipt request to be sent to the tax institution when the ticket locking result indicates that the tax payment can be executed, receives the tax payment receipt information fed back by the tax institution to be sent to the first account institution, and the first account institution generates a tax payment result according to the tax payment receipt information fed back by the clearing mechanism and sends the tax payment result to the user terminal for display, for example, the successful tax payment is displayed.

In the tax payment method of the embodiment of the application, tax payment identification information is acquired, and the tax information to be paid corresponding to the tax payment identification information is acquired by calling an information query interface to be paid of a clearing mechanism; generating a payment request according to the information of the tax to be paid, and sending the payment request to a clearing mechanism for the clearing mechanism to transfer to a second account mechanism, wherein the payment request comprises account information and payment amount of the second account mechanism; receiving tax payment receipt information fed back by the clearing mechanism, wherein the tax payment receipt information is obtained by the clearing mechanism after information confirmation is carried out on the tax payment receipt information and the tax institution according to a payment result fed back by the second account institution; and generating a tax payment result according to the tax payment receipt information, and sending the tax payment result to the user terminal. Therefore, the technical problems that a user side page needs to jump for multiple times and the payment failure rate is high in the prior art in a tax payment mode are solved, the first account mechanism receives tax information to be paid acquired by a clearing mechanism from a tax institution, sends a payment request from the first account mechanism, pays from the second account institution bound by a signing and binding mode through the clearing mechanism, and finally obtains tax payment receipt information for information confirmation of the clearing mechanism and the tax institution according to a payment result.

In order to more fully describe the above embodiments, the present embodiment provides another tax payment method, which is described by using a user terminal, and fig. 4 is a schematic flow chart of another tax payment method provided in the embodiments of the present application.

As shown in fig. 4, the method may include the steps of:

step 301, scanning the tax payment two-dimensional code to obtain tax payment identification information.

Step 303, the tax payment identification information is sent to the first account mechanism.

Specifically, the user needs to perform tax payment declaration to the tax institution in advance, and as a possible implementation manner, the user terminal sends a tax payment declaration request to the tax institution; the tax payment declaration request comprises a tax payment user number, tax payment item information and collection agency code information, and the tax payment two-dimensional code generated after the tax payment agency processes the tax payment user number, the tax payment item information and the collection agency code information is received.

Specifically, after the taxpayer completes declaration in the modes of an electronic tax bureau webpage, a tax hall, a tax self-service machine and the like, the webpage or the window displays a tax payment two-dimensional code for the user, and the user uses the user terminal to scan the code to acquire tax payment identification information. It can be understood that the tax payment identification information is unique, and different tax payment identification information is used for different tax payment information declares.

And further, sending the tax payment identification information to the first account mechanism.

And 305, receiving and displaying the to-be-paid tax information fed back by the first account mechanism, wherein the first account mechanism acquires the to-be-paid tax information corresponding to the tax payment identification information by calling an to-be-paid information query interface of the clearing mechanism.

Step 307, generating tax payment confirmation information according to the information of the to-be-paid tax, and sending the tax payment confirmation information to the first account mechanism, so that the first account mechanism generates a payment request which corresponds to the information of the to-be-paid tax and comprises the second account mechanism.

Step 309, receiving a tax payment result generated according to the tax payment receipt information fed back by the first account mechanism and displaying the tax payment result; and the first account mechanism receives the tax payment receipt information which is obtained by the clearing mechanism according to the payment result fed back by the second account mechanism and the tax institution through information confirmation.

Specifically, after acquiring the identification information of the tax payment, the first account mechanism calls an interface for inquiring the information to be paid of the clearing mechanism to acquire the information to be paid corresponding to the identification information of the tax payment, that is, the clearing mechanism acquires the identification information of the tax payment and inquires the information to be paid of the tax institution, the tax institution returns the information to be paid of the tax payment to the clearing mechanism, and the clearing mechanism returns the information to be paid of the tax payment such as unit, name, details of the tax payment such as amount and the like and displays the information on the user terminal.

Therefore, the information of the tax to be paid is displayed on the user terminal, and the user can determine whether the information of the tax to be paid is correct, so that after the user confirms the information of the tax to be paid, the first account mechanism can receive a payment instruction of the tax to be paid, and determine that the second account mechanism (namely a signed bank account) generates a payment request according to the payment instruction of the tax to be paid, so that the first account mechanism sends the payment request to the clearing mechanism, and the clearing mechanism sends the payment request to the second account mechanism, so that the second account mechanism processes the payment request to generate a payment result which is fed back to the clearing mechanism.

It can be understood that the payment result may be successful or unsuccessful, and when the payment is unsuccessful, the payment result is directly displayed to the user, when the payment is successful, the clearing mechanism determines that the payment is successful according to the payment result, calls the tax receipt service locking interface to send a ticket locking request to the tax institution, receives a ticket locking result fed back by the tax institution, generates a tax payment receipt request to be sent to the tax institution under the condition that the ticket locking result indicates that the tax payment can be executed, receives the tax payment receipt information fed back by the tax institution to be sent to the first account institution, and the first account institution generates a tax payment result according to the tax payment receipt information fed back by the clearing mechanism and sends the tax payment result to the user terminal for display, for example, the successful tax payment is displayed.

In the tax payment method of the embodiment of the application, the tax payment two-dimensional code is scanned to obtain tax payment identification information; sending the tax payment identification information to a first account mechanism; receiving and displaying the to-be-paid tax information fed back by the first account mechanism, wherein the first account mechanism acquires the to-be-paid tax information corresponding to the tax-paying identification information by calling an to-be-paid information query interface of the clearing mechanism; generating tax payment confirmation information according to the information of the tax to be paid and sending the tax payment confirmation information to the first account mechanism so that the first account mechanism generates a payment request which corresponds to the information of the tax to be paid and comprises the second account mechanism; receiving a tax payment result which is fed back by the first account mechanism and generated according to the tax payment receipt information and displaying the tax payment result; and the first account mechanism receives the tax payment receipt information which is obtained by the clearing mechanism according to the payment result fed back by the second account mechanism and the tax institution through information confirmation. Therefore, the technical problems that a user side page needs to jump for multiple times and the payment failure rate is high in the prior art in a tax payment mode are solved, the first account mechanism receives tax information to be paid acquired by a clearing mechanism from a tax institution, sends a payment request from the first account mechanism, pays from the second account institution bound by a signing and binding mode through the clearing mechanism, and finally obtains tax payment receipt information for information confirmation of the clearing mechanism and the tax institution according to a payment result.

Based on the above description of the embodiments, in order to describe the tax payment method of the present application more clearly, the following detailed description is made with reference to fig. 5, specifically as shown in fig. 5:

(1) the user completes declaration through an electronic tax bureau webpage, a tax hall and a tax self-service machine, and the corresponding webpage or window displays the tax payment two-dimensional code to the user; (2) the user uses a bank and non-bank payment mechanism application APP of the user terminal to recognize and read the tax payment two-dimensional code to acquire tax payment identification information; (3) the bank and non-bank payment mechanism (first account mechanism) calls an information inquiry interface to be paid provided by the clearing mechanism to inquire the information to be paid corresponding to the tax payment identification information; (4) the clearing mechanism acquires an inquiry request of the first account mechanism and inquires tax information to be paid to the tax institution; (5) the tax institution returns tax information to be paid to the clearing institution; (6) the clearing mechanism returns tax information to be paid to the first account mechanism; (7) the user terminal displays the tax information to be paid to the user; (8) the user confirms the tax payment and selects the signed bank account to authorize the payment; (9) a first account mechanism initiates a payment request to a clearing mechanism; (10) the clearing institution transfers the payment request to a corresponding bank (a second account institution); (11) the second account mechanism completes payment application acceptance and returns a payment result to the clearing mechanism; (12) the clearing institution returns a payment status to the first account institution; (13) after payment is completed, the clearing mechanism calls a tax receipt service locking interface and initiates a receipt locking request to the tax mechanism; (14) the tax institution returns the lock ticket result to the clearing institution; (15) the clearing mechanism initiates a tax payment receipt request to the tax institution and declares the successful tax payment to the tax institution; (16) the tax institution returns the received tax payment receipt information to the clearing institution; (17) the clearing mechanism informs the first account mechanism of the tax payment service state; (18) and the user terminal displays the tax payment result to the user.

Therefore, the user stays on the application APP page of the bank and the non-bank payment mechanism (the first account mechanism) from the code scanning to pay the tax until the tax is successfully paid, the page does not need to jump back and forth, the tax mechanism, the clearing mechanism, the application of the bank (the second account mechanism) and the non-bank payment mechanism and the bank (the first account mechanism) are all connected by a special line, the internet environment is not depended, the safety of information flow and transaction flow is improved, the interaction flow among the tax mechanism, the clearing mechanism, the second account mechanism and the first account mechanism is internal interaction, the user experience is more convenient, namely the user scans the code by using the user terminal, the method has the advantages that the method stays in the APP page corresponding to the first account mechanism all the time, skip is not needed, the payment failure rate is reduced, the problem that page display information cannot be unified due to skip is solved, and information leakage and payment risks caused by hijacking of a skip address do not exist; the user information and the transaction are transmitted among the second account mechanism, the tax institution and the first account mechanism in a circulation mode in a special line mode, so that the safety is high; the time required by the taxpayer for paying the tax is greatly reduced, the steps of multiple page jump login confirmation information of the user side during payment of the taxpayer are reduced, and the situation that a large number of taxpayers actively declare the tax to the tax institution after the tax system is reformed can be supported.

In order to implement the foregoing embodiment, the present application further provides a clearing mechanism, and fig. 6 is a schematic structural diagram of a payment device for taxes provided in the embodiment of the present application.

As shown in fig. 6, the clearing mechanism 400 includes: a first obtaining module 401, a first sending and receiving module 403, a second sending and receiving module 405, a sending and obtaining module 407, and a first sending module 409.

The first obtaining module 401 is configured to obtain tax payment identification information sent by a first account mechanism.

The first sending and receiving module 403 is configured to send the tax payment identification information to a tax authority for inquiry, and receive tax information to be paid, which is fed back by the tax authority and corresponds to the tax payment identification information.

The second sending and receiving module 405 is configured to send the to-be-paid tax information to the first account mechanism, and receive a payment request sent by the first account mechanism.

The sending and acquiring module 407 is configured to send the payment request to a second account mechanism for processing, perform information confirmation with the tax authority according to a payment result fed back by the second account mechanism, and acquire tax payment receipt information.

The first sending module 409 is configured to send the tax payment receipt information to the first account mechanism, so that the first account mechanism generates a tax payment result according to the tax payment receipt information and sends the tax payment result to a user terminal.

Further, in a possible implementation manner of the embodiment of the present application, the sending and obtaining module 407 is specifically configured to: calling a tax ticket service locking interface to send a ticket locking request to the tax authority under the condition that the payment result indicates that the payment is successful; receiving a ticket locking result fed back by the tax institution; under the condition that the ticket locking result indicates that tax payment can be executed, generating a tax payment receipt request and sending the tax payment receipt request to the tax institution; and receiving tax payment receipt information fed back by the tax institution.

Further, in a possible implementation manner of the embodiment of the application, in a case that the tax payment is not executable according to the ticket locking result, a refund request is sent to the second account mechanism, so that the second account mechanism performs a refund process.

It should be noted that the foregoing explanation of the method embodiment is also applicable to the apparatus of this embodiment, and is not repeated herein.

In the clearing mechanism of the embodiment of the application, tax payment identification information sent by a first account mechanism is obtained; sending the tax payment identification information to a tax institution for inquiry, and receiving tax information to be paid corresponding to the tax payment identification information fed back by the tax institution; the method comprises the steps that tax information to be paid is sent to a first account mechanism, and a payment request sent by the first account mechanism is received; sending the payment request to a second account mechanism for processing, confirming information with a tax institution according to a payment result fed back by the second account mechanism, and acquiring tax payment receipt information; and sending the tax payment receipt information to the first account mechanism so that the first account mechanism generates a tax payment result according to the tax payment receipt information and sends the tax payment result to the user terminal. Therefore, the technical problems that a user side page needs to jump for multiple times and the payment failure rate is high in the tax payment mode in the prior art are solved, the tax information to be paid is acquired from the tax institution through the clearing mechanism and is sent to the first account institution, the payment request is acquired from the first account institution, payment is carried out from the signed and bound second account institution, and finally the clearing mechanism confirms the information according to the payment result and the tax institution to acquire tax payment receipt information.

In order to implement the above embodiment, the present application also provides a clearing mechanism, and fig. 7 is a schematic structural diagram of a clearing mechanism provided in the embodiment of the present application.

As shown in fig. 7, the first account mechanism 600 includes: an obtaining module 601, a first generating and sending module 603, a first receiving module 605 and a second generating and sending module 607.

The acquiring module 601 is configured to acquire the identifier information of the tax payment, and acquire the information of the tax to be paid corresponding to the identifier information of the tax payment by calling an inquiry interface of the information to be paid of the clearing institution.

A first generating and sending module 603, configured to generate a payment request according to the to-be-paid tax information, and send the payment request to the clearing mechanism, so that the clearing mechanism transfers the payment request to a second account mechanism, where the payment request includes account information and payment amount of the second account mechanism.

The first receiving module 605 is configured to receive the tax payment receipt information fed back by the clearing mechanism, where the tax payment receipt information is obtained by the clearing mechanism after performing information confirmation with the tax administration according to the payment result fed back by the second account mechanism.

And the second generating and sending module 607 is configured to generate a tax payment result according to the tax payment receipt information, and send the tax payment result to the user terminal.

In the first account mechanism of the embodiment of the application, tax payment identification information is acquired, and the tax information to be paid corresponding to the tax payment identification information is acquired by calling an information query interface to be paid of a clearing mechanism; generating a payment request according to the information of the tax to be paid, and sending the payment request to a clearing mechanism for the clearing mechanism to transfer to a second account mechanism, wherein the payment request comprises account information and payment amount of the second account mechanism; receiving tax payment receipt information fed back by the clearing mechanism, wherein the tax payment receipt information is obtained by the clearing mechanism after information confirmation is carried out on the tax payment receipt information and the tax institution according to a payment result fed back by the second account institution; and generating a tax payment result according to the tax payment receipt information, and sending the tax payment result to the user terminal. Therefore, the technical problems that a user side page needs to jump for multiple times and the payment failure rate is high in the prior art in a tax payment mode are solved, the first account mechanism receives tax information to be paid acquired by a clearing mechanism from a tax institution, sends a payment request from the first account mechanism, pays from the second account institution bound by a signing and binding mode through the clearing mechanism, and finally obtains tax payment receipt information for information confirmation of the clearing mechanism and the tax institution according to a payment result.

In order to implement the foregoing embodiment, the present application further provides a user terminal, and fig. 8 is a schematic structural diagram of the user terminal provided in the embodiment of the present application.

As shown in fig. 8, the user terminal 800 includes: a scanning module 801, a second sending module 803, a receiving and displaying module 805, a third generating and sending module 807 and a second receiving module 809.

The scanning module 801 is configured to scan the tax payment two-dimensional code to obtain tax payment identification information.

The second sending module 803 is configured to send the tax payment identification information to the first account mechanism.

The receiving and displaying module 805 is configured to receive and display the to-be-paid tax information fed back by the first account mechanism, where the first account mechanism acquires the to-be-paid tax information corresponding to the tax-paying identification information by calling an to-be-paid information query interface of the clearing mechanism.

A third generating and sending module 807, configured to generate tax payment confirmation information according to the information of the to-be-paid tax, and send the tax payment confirmation information to the first account mechanism, so that the first account mechanism generates a payment request including a second account mechanism corresponding to the information of the to-be-paid tax.

The second receiving module 809 is configured to receive a tax payment result generated according to the tax payment receipt information and fed back by the first account mechanism, and display the tax payment result; and the first account mechanism receives the tax payment receipt information which is obtained by the clearing mechanism according to the payment result fed back by the second account mechanism and the tax institution through information confirmation.

The user terminal scans the tax payment two-dimensional code to acquire tax payment identification information; sending the tax payment identification information to a first account mechanism; receiving and displaying the to-be-paid tax information fed back by the first account mechanism, wherein the first account mechanism acquires the to-be-paid tax information corresponding to the tax-paying identification information by calling an to-be-paid information query interface of the clearing mechanism; generating tax payment confirmation information according to the information of the tax to be paid and sending the tax payment confirmation information to the first account mechanism so that the first account mechanism generates a payment request which corresponds to the information of the tax to be paid and comprises the second account mechanism; receiving a tax payment result which is fed back by the first account mechanism and generated according to the tax payment receipt information and displaying the tax payment result; and the first account mechanism receives the tax payment receipt information which is obtained by the clearing mechanism according to the payment result fed back by the second account mechanism and the tax institution through information confirmation. Therefore, the technical problems that a user side page needs to jump for multiple times and the payment failure rate is high in the prior art in a tax payment mode are solved, the first account mechanism receives tax information to be paid acquired by a clearing mechanism from a tax institution, sends a payment request from the first account mechanism, pays from the second account institution bound by a signing and binding mode through the clearing mechanism, and finally obtains tax payment receipt information for information confirmation of the clearing mechanism and the tax institution according to a payment result.

In order to implement the foregoing embodiment, the present application further provides a tax payment system, and fig. 9 is a schematic structural diagram of the tax payment system provided in the embodiment of the present application.

As shown in fig. 9, the tax payment system includes: tax authority 200, clearing authority 400, first account authority 600, user terminal 800 and second account authority 1000.

The first account mechanism 600 obtains the tax payment identification information, and sends the tax payment identification information to the clearing mechanism 400.

The clearing mechanism 400 sends the tax payment identification information to the tax institution 200 for inquiry, receives the information of the tax to be paid corresponding to the tax payment identification information fed back by the tax institution 200, and sends the information of the tax to be paid to the first account institution 600.

The first account entity 600 determines the second account entity 1000 according to the information of the tax to be paid, and sends a payment request to the second account entity 1000 through the clearinghouse 400.

The clearing mechanism 400 confirms the information with the tax institution 200 according to the payment result fed back by the second account institution 1000, and acquires the tax payment receipt information and sends the tax payment receipt information to the first account institution 600.

The first account mechanism 600 generates a tax payment result according to the tax payment receipt information fed back by the clearing mechanism 400, and sends the tax payment result to the user terminal 800.

In a possible implementation manner of the embodiment of the present application, the determining unit 400 performs information confirmation with the tax authority 200 according to the payment result fed back by the second account authority 1000, and acquires the tax payment receipt information to send to the first account authority 600, including:

if the payment result indicates that the payment is successful, the clearing mechanism 400 calls a tax receipt service locking interface to send a ticket locking request to the tax mechanism 200; the clearing mechanism 400 receives the ticket locking result fed back by the tax institution 200, and generates a tax payment receipt request to send to the tax institution 200 when the ticket locking result indicates that tax payment can be performed; the clearing mechanism 400 sends the tax payment receipt information fed back by the tax institution 200 to the first account institution 600.

In the tax payment system of the embodiment of the application, acquiring tax payment identification information, sending the tax payment identification information to a clearing mechanism, sending the tax payment identification information to the tax institution for inquiry, receiving tax information to be paid corresponding to the tax payment identification information fed back by the tax institution, sending the tax information to be paid to a first account institution, determining a second account institution by the first account institution according to the tax information to be paid, sending a payment request to the second account institution by the clearing mechanism, confirming information with the tax institution by the clearing mechanism according to a payment result fed back by the second account institution, acquiring tax payment receipt information, sending the tax payment receipt information to the first account institution, generating a tax payment result by the first account institution according to the tax payment receipt information fed back by the clearing mechanism, and sent to the user terminal. Therefore, the technical problems that a user side page needs to jump for multiple times and the payment failure rate is high in the tax payment mode in the prior art are solved, the tax information to be paid is acquired from the tax institution through the clearing mechanism and is sent to the first account institution, the payment request is acquired from the first account institution, payment is carried out from the signed and bound second account institution, and finally the clearing mechanism confirms the information according to the payment result and the tax institution to acquire tax payment receipt information.

In order to implement the foregoing embodiments, an embodiment of the present application provides an electronic device, including: the payment system comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the program to realize the tax payment method according to the embodiment of the first account mechanism execution method.

In order to implement the foregoing embodiments, the present application provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to implement the tax payment method of the foregoing method embodiments.

In the description herein, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present application, "plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present application in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present application.

The logic and/or steps represented in the flowcharts or otherwise described herein, e.g., an ordered listing of executable instructions that can be considered to implement logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions. For the purposes of this description, a "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of the computer-readable medium would include the following: an electrical connection (electronic device) having one or more wires, a portable computer diskette (magnetic device), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disc read-only memory (CDROM). Additionally, the computer-readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via for instance optical scanning of the paper or other medium, then compiled, interpreted or otherwise processed in a suitable manner if necessary, and then stored in a computer memory.

It should be understood that portions of the present application may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. If implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.

It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.

In addition, functional units in the embodiments of the present application may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.

The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc. Although embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present application, and that variations, modifications, substitutions and alterations may be made to the above embodiments by those of ordinary skill in the art within the scope of the present application.

Claims

1. A payment method for paying taxes is applied to a clearing institution and is characterized by comprising the following steps:

2. The method of claim 1, wherein the confirming information with the tax authority according to the payment result fed back by the second account authority and acquiring the tax return receipt information comprises:

calling a tax ticket service locking interface to send a ticket locking request to the tax authority under the condition that the payment result indicates that the payment is successful;

receiving a ticket locking result fed back by the tax institution;

under the condition that the ticket locking result indicates that tax payment can be executed, generating a tax payment receipt request and sending the tax payment receipt request to the tax institution;

and receiving tax payment receipt information fed back by the tax institution.

3. The method of claim 2, further comprising:

and sending a refund request to the second account mechanism under the condition that the tax payment is not executable according to the ticket locking result so as to enable the second account mechanism to carry out refund processing.

4. The method of claim 1, wherein the acquiring tax payment identification information sent by the first account institution comprises:

receiving a payment information inquiry request sent by the first account mechanism, wherein the payment information inquiry request comprises encrypted tax payment user numbers, tax payment item information and collection organ code information;

and decrypting the payment information inquiry request and extracting the tax payment identification information.

5. A tax payment method is applied to a first account mechanism and is characterized by comprising the following steps:

6. A tax payment method is applied to a user terminal and is characterized by comprising the following steps:

7. The method of claim 6, further comprising:

sending a tax payment declaration request to the tax institution; the tax payment declaration request comprises a tax payment user number, tax payment item information and collection organ code information;

and receiving the tax payment two-dimensional code generated by the tax institution after processing according to the tax payment user number, the tax payment item information and the collection organ code information.

8. A clearinghouse, comprising:

9. A first account mechanism, comprising:

10. A user terminal, comprising:

11. A payment system for taxes, comprising: the clearing institution of claim 8, the first account institution of claim 9, the user terminal of claim 10, the tax institution and the second account institution;

12. The system of claim 11, wherein the clearing mechanism performs information confirmation with the tax authority according to the payment result fed back by the second account authority, acquires the tax return receipt information and sends the tax return receipt information to the first account authority, and comprises:

if the payment is successful according to the payment result, the clearing mechanism calls a tax bill service locking interface to send a bill locking request to the tax mechanism;

the clearing mechanism receives a ticket locking result fed back by the tax mechanism, and generates a tax payment receipt request to be sent to the tax mechanism under the condition that the ticket locking result indicates that tax payment can be executed;

and the clearing mechanism sends the tax payment receipt information fed back by the tax institution to the first account institution.

13. An electronic device, comprising: memory, processor and computer program stored on the memory and executable on the processor, which when executed by the processor implements a method of paying taxes according to any of claims 1 to 7.

14. A computer-readable storage medium, on which a computer program is stored, which program, when executed by a processor, carries out a method of paying taxes as claimed in any one of claims 1 to 7.