CN109191088A - The third party of related direct rate based on communication protocol holds and remits system - Google Patents

The third party of related direct rate based on communication protocol holds and remits system Download PDF

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CN109191088A
CN109191088A CN201810770018.8A CN201810770018A CN109191088A CN 109191088 A CN109191088 A CN 109191088A CN 201810770018 A CN201810770018 A CN 201810770018A CN 109191088 A CN109191088 A CN 109191088A
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withholding
information
account
transaction
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周维平
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Priority to CN201910392810.9A priority Critical patent/CN112132556A/en
Priority to CN202111071457.8A priority patent/CN113792652A/en
Priority to CN202110330757.7A priority patent/CN113469665A/en
Priority to CN201810770018.8A priority patent/CN109191088A/en
Priority to CN201910986631.8A priority patent/CN110807635A/en
Publication of CN109191088A publication Critical patent/CN109191088A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/14Payment architectures specially adapted for billing systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • G06Q40/123Tax preparation or submission

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Abstract

The third party for the related direct rate based on communication protocol that the present invention provides a kind of holds and remits system, comprising: user terminal and Third-party payment platform realize data transmission by communication protocol between user terminal and Third-party payment platform;User terminal is used to send transaction request to Third-party payment platform;Third-party payment platform authenticates transaction request, after transaction request certification passes through, determines that withholding information corresponding with transaction request, withholding information include tax revenue account and the corresponding withholding tax rate according to paying party information and beneficiary information;Third-party payment platform determines that the tax rate is corresponding holds and remits tax with withholding according to withholding information and transaction amount, the withholding tax is transferred accounts to the corresponding tax revenue account, and the Third-party payment platform is saved to hold and remit and be recorded.The system realizes automatic withholding using Third-party payment platform and existing banking system, it is possible to prevente effectively from tax evasion.

Description

The third party of related direct rate based on communication protocol holds and remits system
Technical field
The present invention relates to financial system payment technology field, in particular to a kind of related direct rate based on communication protocol Third party hold and remit system.
Background technique
Currently, currency is all to be managed by government as public circulation medium, because that largely trades is frequently present of, lead Bank data statistical difficulty is caused, is unfavorable for user and sorts out management.And as countries in the world national currency digitizes, make global peace Full Payment System is also just inevitable.But existing Third-party payment only completes the personal receipt and payment of fund, can not evade Fraud.For receipt and payment, either bank or individual all can inevitably encounter various frauds and hacker, in addition each bank Between information it is obstructed, easily the case is caused to take place frequently.
Meanwhile tax revenue is that national governments rely and maintain public service (country or local safety, education and other are public Welfare) basis, it is still difficult although withholding can carry out fragmentary dispersion, the uppity source of tax revenue source control Exempt to have enterprise's tax evasion.Even if in addition, current country's labour law tends to be perfect, but there are also suitable one for domestic each department The endowment medical insurance gold for how escaping hired laborer is kept in mind by point enterprise, and there are also the unsound states of many socio-economic systems in the world Family similarly there is a situation where to lack endowment medical insurance gold;Unfair distribution of social wealth also results in society and widens gap between the rich and the poor.
Summary of the invention
The third party that the present invention provides a kind of related direct rate based on communication protocol holds and remits system, to solve Existing Payment System easily haves the defects that tax evasion phenomenon.
A kind of third party of related direct rate based on communication protocol provided in an embodiment of the present invention holds and remits system, Include: user terminal and Third-party payment platform, passes through communication protocols between the user terminal and the Third-party payment platform View realizes data transmission;
The user terminal is used to send transaction request to the Third-party payment platform, and the transaction request includes user Account, user password, biological information, paying party information, beneficiary information and transaction amount;
The Third-party payment platform authenticates the transaction request, after transaction request certification passes through, root Withholding information corresponding with the transaction request is determined according to the paying party information and beneficiary information, it is described to withhold generation Paying information includes tax revenue account and the corresponding withholding tax rate, and the tax revenue account includes government revenue account, society of government It is one or more in endowment medical insurance gold account, tariff account;
The Third-party payment platform withholds generation with described according to the withholding information and the transaction amount are determining Rate of paying taxes holds and remits tax accordingly, and then the withholding tax is transferred accounts to the corresponding tax revenue account, and institute It states Third-party payment platform and saves withholding record.
In one possible implementation, the user terminal is sending transaction request to the Third-party payment platform Before, it is also used to send registration information to the Third-party payment platform, the registration information includes user's registration account, user Log-in password and biological characteristic registration information, and the registration information further includes registering the type of credential of main body, certificate coding, card It is part institute possession, contact address, phone, one or more in tax identification code;
The Third-party payment platform is also used to judge whether the registration information is legal, when the registration information is legal Save the registration information.
In one possible implementation, the Third-party payment platform, which authenticate to the transaction request, includes:
The Third-party payment platform judges whether the transaction request and the corresponding information in the registration information are consistent, When the transaction request is consistent with the corresponding information in the registration information, determine that the transaction request certification passes through.
In one possible implementation, the user terminal is also used to send first to the Third-party payment platform Association request, first association request include user's bank account;
The Third-party payment platform closes user and user's bank account according to first association request Connection;When user's bank account is business account, the Third-party payment platform is also used to according to user bank account The affiliated industry and institute possession that family is registered determine VAT rate corresponding with user's bank account;In user's silver When row account is personal account, the Third-party payment platform is also used to the institute possession registered according to user's bank account Determine social pension medical insurance gold rate corresponding with user's bank account.
In one possible implementation, the user terminal is also used to send second to the Third-party payment platform Association request, second association request includes transfer account, and the transfer account includes provider accounts, enterprise employees account It is family, securities broker company's account, futures company's account, one or more in kith and kin's family members' account;
The Third-party payment platform is also used to when second association request is legal, to user's bank account with The transfer account is associated.
In one possible implementation, system further include: communication network;
The communication network, which is equipped with, exempts from traffic interface, and the user terminal exempts from traffic interface phase with the communication network Even, it and is realized and is communicated to connect by the communication network and the Third-party payment platform.
In one possible implementation, the Third-party payment platform, which records the withholding and records, includes:
The Third-party payment platform records the withholding and records and generate the electric tax invoice of encryption, the electronics tax Ticket includes: paying party bank account, beneficiary bank account, the tax identification code of receipt and payment both sides' account, total Payments, tax revenue account Family, withholding tax, exchange hour and anti-fake data encryption mark.
In one possible implementation, when user's registration Third-party payment platform, Third-party payment platform is automatic Digital encryption two dimensional code is generated according to the identity information of registration main body, the digital encryption two dimensional code includes the certificate for registering main body Number, the corresponding account tax identification code that opens a bank account, location endowment medical insurance gold rate, VAT rate, tariff tax It is rate, the housing and land tax tax rate, one or more in the legacy tax tax rate.
In one possible implementation, when registering main body is individual, Third-party payment platform can be user automatically An identity account of advances is provided, the account can only receive irregularly turning for bank account identical with subject identity information is registered Account;It is not inconsistent if being transferred to account information with the information for registering main body, then cannot receives to be transferred to operation.
In one possible implementation, the Third-party payment platform is in the withholding information for determining this transaction Afterwards, it is also used to:
It determines T period before this transaction, and determines that the history of every transaction in active user's each period is withheld Pay on behalf information;
Every kind of withholding is successively determined according to the withholding information that the history holds and remits information and this transaction The weighted value w of the tax ratei, and determine corresponding weight group W=[w1,w2,…,wi,…,wn], n is the species number for holding and remitting the tax rate Amount;
Wherein,
gtIndicate the inflation rate in t-th of period, ItIndicate the basic rate of income in t-th of period, mtijIndicate the The corresponding tax of i-th kind of tax rate, Mt in jth transaction in t periodjIndicate total tax of jth transaction in t-th of period;
Determine preset criteria weights groupWhereinIndicate i-th kind of withholding tax rate Criteria weights value, and according to the criteria weights groupDetermine the coefficient S of paying taxes of active user:
Whether coefficient S of paying taxes described in judgement is greater than preset threshold, when the coefficient S of paying taxes is greater than preset threshold, determines There are tax evasion suspicion.
In one possible implementation, the Third-party payment platform is in the withholding information for determining this transaction Afterwards, the Third-party payment platform is also used to:
Determine effective withholding information in preset time period, effective withholding information includes what this was traded It holds and remits the history in information and the preset time period and holds and remits information, and the end time point of the preset time period For current time;
Determine the transaction coefficient of effective withholding information, wherein the transaction coefficient pi of the i-th transaction are as follows:
Wherein, AiIndicate the transaction amount of the i-th transaction, mijIndicate the i-th transaction The corresponding tax of the middle jth kind tax rate, MiIndicate total tax of the i-th transaction, n indicates the number of species of the withholding tax rate;i∈ [1, m], m indicate number of transaction total in the preset time period;
All effective withholding information in the preset time period are ranked up according to the transaction coefficient, are generated Withholding matrix T after sequence, and the element t that the i-th row jth arranges in the withholding matrix TijIt indicates after sorting j-th The effectively corresponding tax of the jth kind tax rate in withholding information;
The withholding matrix T is pre-processed, determines pretreated eigenmatrix F, and the eigenmatrix The element f of i-th row jth columnijAre as follows:
fij=-tij+ti(j+2)-2t(i+1)j+2t(i+1)(j+2)-t(i+2)j+t(i+2)(j+2);The line number of the eigenmatrix F is m- 2, columns n-2;
The eigenmatrix F is input to preset convolutional neural networks model, the convolutional neural networks model is will The history corresponding eigenmatrix of withholding information of multi-user as input, will withholding classification it is as output institute trained The network model arrived;
The withholding classification of active user, the withholding are determined according to the output of the convolutional neural networks model Classification include inclined value-added tax classification, Pianguan County's tax classification, inclined endowment insurance money classification, inclined Individual Income Tax classification, inclined value-added tax tariff classification, It is one or more in inclined value-added tax Individual Income Tax classification.
A kind of third party of related direct rate based on communication protocol provided in an embodiment of the present invention holds and remits system, Automatic withholding is realized using banking system and Third-party payment platform, it is possible to prevente effectively from tax evasion;User terminal base In the certification of Third-party payment platform biological information and the certification of bank account biological information, realize that two-stage biological identity is known It does not authenticate, two-stage biological password identification can effectively take precautions against financial system loophole, and the mode of two level identity authentication can increase friendship Easy safety.Meanwhile the system does not need to do banking system larger transformation, it is only necessary to which banking system realizes basic function of transferring accounts Energy, it is convenient that the withholding system is realized on the basis of existing banking system.Third-party payment platform is unified to be stored The record of withholding facilitates subsequent query cash flow to move towards.It can easily be realized and be based on by unified account form Communicate the withholding work for the direct cost transferred accounts.Exempt from traffic interface using communication network, accessible payment may be implemented, Not only user is facilitated to pay the fees at any time, also helps the customer experience for promoting Office of the Telecommunications Authority.Third-party payment platform is withheld in record While paying on behalf record, the electronic invoice of encryption is also generated, it can be for note of transferring accounts is checked in audit at any time in many ways using electronic invoice Record, facilitates multiparty billing.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification It obtains it is clear that understand through the implementation of the invention.The objectives and other advantages of the invention can be by written explanation Specifically noted structure is achieved and obtained in book, claims and attached drawing.
Below by drawings and examples, technical scheme of the present invention will be described in further detail.
Detailed description of the invention
Attached drawing is used to provide further understanding of the present invention, and constitutes part of specification, with reality of the invention It applies example to be used to explain the present invention together, not be construed as limiting the invention.In the accompanying drawings:
Fig. 1 is the of third party's withholding system of the related direct rate based on communication protocol in the embodiment of the present invention One structural schematic diagram;
Fig. 2 is the of third party's withholding system of the related direct rate based on communication protocol in the embodiment of the present invention Two structural schematic diagrams;
Fig. 3 is the of third party's withholding system of the related direct rate based on communication protocol in the embodiment of the present invention Three structural schematic diagrams;
Fig. 4 is the schematic diagram of electric tax invoice in the embodiment of the present invention.
Specific embodiment
Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings, it should be understood that preferred reality described herein Apply example only for the purpose of illustrating and explaining the present invention and is not intended to limit the present invention.
A kind of third party of related direct rate based on communication protocol provided in an embodiment of the present invention holds and remits system, It is applicable to the transaction flow of direct rate;In the embodiment of the present invention, " being related to the transaction of direct rate " refers to being related to providing The transaction flow that can directly deduct when gold circulation, as long as the expense that can directly deduct be suitable for the present embodiment provides System.Shown in Figure 1, third party withholding includes: user terminal 10 and Third-party payment platform 20, user terminal Data transmission is realized by communication protocol between 10 and Third-party payment platform 20, wired or wireless transmission mode can be used, The present embodiment does not limit this.
Wherein, user terminal 10 can be communicatively coupled with Third-party payment platform 20.Wherein, user terminal 10 is also used In to Third-party payment platform 20 send transaction request, transaction request include user account, user password, biological information, Paying party information, beneficiary information and transaction amount.
In the embodiment of the present invention, user (enterprise or individual), which is based on user terminal 10, has registration information in bank, and opens There is corresponding bank account, that is, there is Send only Account, and all have registered account in this Third-party payment platform simultaneously.The use Family terminal can be smart phone, tablet computer, personal computer etc..Transaction request is that Third-party payment platform 20 is needed to authenticate User information.
Third-party payment platform 20 authenticates transaction request, after transaction request certification passes through, is believed according to paying party Breath and beneficiary information determine withholding information corresponding with transaction request, and withholding information includes tax revenue account and phase The withholding tax rate answered, tax revenue account include government revenue account, government's social pension medical insurance gold account, tariff account In it is one or more.In the embodiment of the present invention, prestoring in Third-party payment platform 20 can verify whether transaction request closes The information of method, when the user account and correct user password in transaction request, then user can log in Third-party payment platform 20;When biological information certification passes through, Third-party payment platform 20, which allows the user terminal 10 to execute, needs higher permission It operates (such as transferring accounts).Wherein, paying party information includes at least Send only Account, and beneficiary information includes at least collecting account. Wherein, beneficiary information can be automatically generated according to this transaction, do not needed user and taken in manually;Likewise, paying party is believed Breath or user are pre-set, again without each input when sending transaction request every time, avoid redundant operation. Biological information specifically can be fingerprint, face, iris, one or more in palmmprint.
After the transaction request that user terminal 10 is sent is by certification, then Third-party payment platform 20 is it can be assumed that transaction is asked Paying party information and beneficiary information in asking are legal, are at this time that can determine withholding letter corresponding with transaction request Breath, the withholding information include tax revenue account and the corresponding withholding tax rate, and tax revenue account include government revenue account, It is one or more in government's social pension medical insurance gold account, tariff account.
Wherein, paying party information and beneficiary information can indicate the fund trend of the transaction, and then can determine this It trades the corresponding tax rate.Wherein, " transaction " in the embodiment of the present invention not merely includes bargain transaction, can also include issuing Wage, investment securities, futures investment, capital investment etc..Specifically, Third-party payment platform 20 is according to the Send only Account and gathering Account judges that the transaction request corresponds to which tax category (such as Individual Income Tax, value-added tax etc. or medical insurance, endowment insurance Deng), and then can determine according to the tax category tax rate of withholding, while can determine the corresponding tax bank of the tax category and tax Business bank account (such as paying party location government value-added tax receipt on account family, paying party location government of belonging country tariff account are paid The location Kuan Fang government endowment medical insurance gold account, direct rate in beneficiary location etc.).For example, when company is sent out to employee When putting wage, the business account of company is Send only Account at this time, and the bank account of corresponding employee is collecting account, at this time should Transaction request corresponds to multiple tax category, such as common reserve fund, endowment insurance etc.;By taking endowment insurance as an example, the endowment of general Beijing is protected Dangerous cooperative bank is Bank of Beijing, and when user needs to pay on behalf endowment insurance, user's bank account (i.e. Send only Account) is right at this time The tax category nest egg insurance answered, then the corresponding tax bank of the transaction request is Bank of Beijing, and then can determine tax silver Row account.It should be noted that " tax rate " in the embodiment of the present invention is in addition to indicating to the collection ratio of the object of taxation or collection Amount further includes the rate etc. of social pension medical insurance.
In addition, can also determine corresponding withholding information when the transaction request is individual-to-individual.For example, working as When user A buys certain part commodity of user B, user A can initiate to trade and ask based on the Third-party payment platform 20 to user B at this time It asks, Send only Account at this time is the bank account of user A, and collecting account is the bank account of user B, at this time according to gathering The registration information of side can determine VAT rate.Meanwhile if tax system is modified, system also can according to actual requirement into Row change.Such as personal transfer accounts is also required to pay certain expenses of taxation (existing to have existed legacy tax), it can also be with based on the system Realize the withholding in personal transfer procedure.
After determining withholding information, Third-party payment platform 20 is determined according to withholding information and transaction amount It is corresponding with the withholding tax rate to hold and remit tax, and then withholding tax is transferred accounts to corresponding tax revenue account, and the Tripartite's payment platform 20 saves withholding record.
In the embodiment of the present invention, after determining the withholding tax rate, corresponding generation can be determined according to transaction amount Button pays on behalf tax, and then while completing the transaction of paying party and beneficiary, tax is also gone to government taxes from Send only Account Receipt on account family, to realize automatic withholding.The record withholding record of Third-party payment platform 20, facilitates and subsequent checks fund Stream, avoids illegal operation.It is shown in Figure 2, above-mentioned button tax process may be implemented by existing banking system.Wherein, bank System is existing banking system, and banking system includes the front-end system and core system of bank, and front-end system realizes message Conversion, encryption etc., core system realizes the processing to data.Meanwhile the system supports multiple user terminals, the entirety of the system Operative scenario is in detail as shown in Figure 2.In Fig. 2, dotted line between Third-party payment platform and banking system indicates therebetween can be with By communication network with wireless (or wired) connection, online shopping, house property dealing, enterprise's loan is may be implemented in total shown in Fig. 2 Money, under the withholding paid out wages etc. under several scenes.
A kind of third party of related direct rate based on communication protocol provided in an embodiment of the present invention holds and remits system, When user needs to other people account transfers (between enterprise and enterprise, between enterprise and individual and interindividual friendship Easily transfer accounts, it is specific such as online shopping, under pay out wages, house property dealing, business loan etc.) when, which can be stepped on based on user terminal 10 Fund in user's bank account is gone to other people corresponding account by record Third-party payment platform 20, meanwhile, Third-party payment Platform 20 determines the expenses of taxation (such as the Individual Income Tax etc. that need to be paid when paying out wages under enterprise) that process user needs to pay, and certainly Dynamic will pay the fees goes to tax account, realizes automatic withholding.
A kind of third-party withholding system of related direct rate based on communication protocol provided in an embodiment of the present invention System realizes automatic withholding using Third-party payment platform, it is possible to prevente effectively from tax evasion;User terminal is based on third party Payment platform identity information and bank account (card) identity information realize authentication respectively, and the mode of two level identity authentication can be with Increase transaction security, effectively takes precautions against financial system loophole.The record of the unified storage withholding of Third-party payment platform, it is convenient Subsequent query cash flow trend.Meanwhile the system does not need to do banking system larger transformation, it is only necessary to which banking system realizes base This function of transferring accounts, it is convenient that the withholding system is realized on the basis of existing banking system.This system passes through certainly The dynamic withholding expenses of taxation can be very good to solve the attaching problem of the expenses of taxation, guarantee that government maintains the daily expenditure of public service, also The behavior of tax evasion can effectively be hit.The equity of labourer can be ensured by withholding endowment medical insurance gold, always According to government revenue and endowment medical insurance are also in the rebalancing to wealth of society unfair distribution.
On the basis of the above embodiments, user terminal 10 to Third-party payment platform 20 send transaction request before, Be also used to Third-party payment platform 20 send registration information, registration information include user's registration account, user login password and Biological characteristic registration information, and registration information further includes registering the type of credential of main body, certificate coding, certificate institute possession, connection It is address, phone, one or more in tax identification code;
Third-party payment platform 20 is also used to judge whether registration information is legal, and registration letter is saved when registration information is legal Breath.
In the embodiment of the present invention, user terminal 10 is registered in Third-party payment platform 20 first, while by user's Biological characteristic retains to Third-party payment platform 20, facilitates subsequent carry out living things feature recognition.
On the basis of the above embodiments, Third-party payment platform 20, which authenticate to transaction request, includes:
Third-party payment platform 20 judges whether transaction request is consistent with the corresponding information in registration information, in transaction request When consistent with the corresponding information in registration information, determine that transaction request certification passes through.In addition, Third-party payment platform 20 can also be sentenced The type of credential in main body registration information that disconnected user submits and encode whether with the main body that is stored in Third-party payment platform 20 Type of credential in registration information is consistent with coding, if bound in the information stored in Third-party payment platform 20 and user The main information of bank card is inconsistent, and Third-party payment platform, which is then refused to pass through and award the login account, does a label.Meanwhile Third-party payment platform 20 authenticates whether this transaction request belongs to secure payment, if it is secure payment, that is, is deducted tax Expense is transferred accounts;If belonging to dangerous payment, the beneficiary account be determined it is illegal, can notify immediately public security department and provide should It is transferred to owner's relevant information of account, and freezes all contacts of the account and the relevant information of victim.
In the embodiment of the present invention, benchmark of the registration information submitted when registering customers as verifying user information;Wherein, If later user has modified registration information (such as have modified password or resubmited biological characteristic), with new registration Subject to information.
On the basis of the above embodiments, user terminal 10 is also used to send the first association to Third-party payment platform 20 and ask It asks, the first association request includes user's bank account (i.e. Send only Account);
User and user's bank account are associated by Third-party payment platform 20 according to the first association request;In user When bank account is business account, affiliated industry that Third-party payment platform 20 is also used to be registered according to user's bank account and Institute possession determines VAT rate corresponding with user's bank account;When user's bank account is personal account, third party's branch It pays the institute possession that platform 20 is also used to be registered according to user's bank account and determines social pension corresponding with user's bank account Medical insurance gold rate.
Optionally, user terminal 10 is also used to send the second association request to Third-party payment platform 20, and the second association is asked It asks including transfer account (can be collecting account), transfer account includes provider accounts, enterprise employees account, securities broker company's account It is family, futures company's account, one or more in kith and kin's family members' account;Third-party payment platform 20 is also used to ask in the second association When asking legal, user's bank account is associated with transfer account.
In the embodiment of the present invention, this can be used to be associated with Send only Account and collecting account by association request, Again without each input when to send transaction request every time, redundant operation is avoided.
Due to there is many industries in society, the tax rate of each industry is possible to be different, the tax rate standard of country variant Also not identical, therefore to realize withholding, it is thus necessary to determine that user the country in which it is located and industry etc..In the embodiment of the present invention, institute There is registration main body to require the account for registering this Third-party payment platform with unified format, specifically include: nationality, by government taxes The tax identification code for organ's unified organizational system of being engaged in;When user's bank account be personal account when, user's bank account include: nationality, And the tax identification code by the tax authority of government unified organizational system.The tax identification code of registration main body account is consistent with registration information Bank account it is associated.Third-party payment platform can should pay taxes rate, and root according to the relevant information Auto-matching of registration main body Digital encryption identity two dimensional code is automatically generated according to these data.User's Third-party payment account in the embodiment of the present invention includes rule Tariff refers to determine the corresponding regulation tax rate according to user's registration information, can directly include the tax rate in the account, It can also be by corresponding relationship come rating.The direct cost transferred accounts based on communication can be realized by unified account form Withholding work.
Optionally, the system can also include personal identification account of advances, the account be by Third-party payment platform according to The digital identity of personal identity information synthesis encrypts account, the identity document coding including registering main body, tax identification code, with And bank card account identical with registration subject identity information.Only need to register timing user every month or not timing from registration Certain fund is transferred in the identical bank card of subject identity information can be used, and facilitates user and realizes that global high frequency low value is convenient Payment.
On the basis of the above embodiments, shown in Figure 3, the system further include: communication network 50;Communication network 50 is set Have and exempt from traffic interface, user terminal 10 is connected with the traffic interface of exempting from of communication network 50, and passes through communication network 50 and third party Payment platform 20 realizes communication connection.
In the embodiment of the present invention, Office of the Telecommunications Authority creates one not by the interface of flow restriction (exempting from traffic interface), originally connects Mouth is only used to do Third-party payment transaction, so as to not perplexed by customer down, realizes accessible payment.That is, client is once Shutdown can not surf the Internet, continue to pay dues, and can realize payment by way of Third-party payment at this time, not only facilitate user at any time in this way Payment also helps the customer experience for promoting Office of the Telecommunications Authority.
On the basis of the above embodiments, the record of Third-party payment platform 20 withholding record includes: Third-party payment The record withholding of platform 20 records and generates the electric tax invoice of encryption, and electric tax invoice includes: paying party bank account, beneficiary The tax identification code of bank account and the affiliated account of receipt and payment both sides, total Payments, tax revenue account, withholding tax and friendship The easy time.
In the embodiment of the present invention, Third-party payment platform 20 also generates encryption while record withholding record Electric tax invoice, according to rate as defined in the local government of less account location when which is the transfer of both parties' fund The product directly deducted fees.Electric tax invoice includes revenue and expenditure both sides name on account, total payment, exchange hour and relevant The tax identification code of tax revenue account account (or relevant government's social pension medical insurance gold account account) and revenue and expenditure both sides, and It is anti-fake that digital encryption is carried out according to revenue and expenditure both sides account and by the practical deduction number of statutory regulation.Optionally, one formula of electric tax invoice Five parts, revenue and expenditure both sides and revenue department of beneficiary government (or less account location social security mechanism of government) each portion, one Part is kept on file to inquire, and portion, which is handed over to the collective or the state, takes charge of financial accounting.Central Bank of the various countries overall situation may be implemented by the electric tax invoice of this system and grasp this The situation of state's currency and productive assets, thus for Central Bank of various countries formulate local currency policy (currency put into circulation, interest rate policy, And exchange rate control) first-hand data is provided;It also can effectively avoid tax evasion simultaneously, assist Overall Raising endowment medical insurance Gold mitigates the contradiction of unfair distribution of social wealth.A kind of schematic diagram of electric tax invoice is shown in Figure 4;In Fig. 4, on the left of electric tax invoice Information indicate that Central Bank of various countries can grasp the situations of its domestic currency and productive assets in real time according to electric tax invoice, thus Monetary policy being formulated for Central Bank of various countries, foundation being provided, right side indicates that any money flow of each side can all have electric tax invoice to do and remember Record, in order to which each department carries out tax audit;Government revenue account therein includes value-added tax, house property tax, the governments such as tariff Defined each tax category account.
On the basis of the above embodiments, when registration main body completes the Account Registration of this Third-party payment platform, third Square payment platform generates digital encryption two dimensional code automatically according to the identity information of registration main body, and the digital encryption two dimensional code includes Register certificate coding, the nationality of main body, and the corresponding bank of tax identification code by relevant governmental revenue department unified organizational system Account of opening an account location VAT rate, support parents medical insurance gold rate, customs tariff, the housing and land tax tax rate, the legacy tax tax rate In it is one or more.The data encryption two dimensional code can be used for quick payment, when user needs to pay, it can pass through user The terminal display data encryption two dimensional code, beneficiary scan the data encryption two dimensional code and payment process can be completed.It can also be When shopping online, sent to other side this Third-party payment platform registration bill payment.
On the basis of the above embodiments, Third-party payment platform 20 determine this transaction withholding information after, It is also used to evaluate the behavior of paying taxes of active user, which specifically includes step A1-A3:
Step A1: all kinds of accounts are provided from the tax authority of government and endowment Medical Insurance Organizations to this Third-party payment platform Main body should pay taxes rate;
Step A2: Third-party payment platform is held and remitted according to the rate that relevant departments provide and provides electronics tax Ticket;
Step A3: related governmental departments are audited according to electric tax invoice, if problematic can be in time to this Third-party payment Platform feedback modification, can also oneself logon account modify.Relevant unit's recovery or refund can also be looked for simultaneously.
Optionally, the behavior of paying taxes of active user can be also evaluated by following procedure, which specifically includes step B1-B4:
Step B1: T period before this transaction is determined, and every transaction is gone through in determination active user each period History holds and remits information.
In the embodiment of the present invention, using the time point of this transaction as a node, and it is true according to the preset time cycle Determine T period.For example, if needing 5 years before acquisition transaction records, then T=5 with 1 year for 1 period, annual all friendships Easy information is Transaction Information all in a period, i.e., history holds and remits information.This corresponding withholding of trading Information is newest payment information.
Step B2: information is held and remitted according to history and this withholding information traded successively determines every kind and withholds generation The weighted value w for rate of paying taxesi, and determine corresponding weight group W=[w1,w2,…,wi,…,wn], n is the type for holding and remitting the tax rate Quantity;
Wherein,
gtIndicate the inflation rate in t-th of period, ItIndicate the basic rate of income in t-th of period, mtijIndicate the The corresponding tax of i-th kind of tax rate, Mt in jth transaction in t periodjIndicate total tax of jth transaction in t-th of period, nt Indicate number of transaction total in t-th of period.
In the embodiment of the present invention, n is shared in t-th of periodtThan transaction, for jth transaction in t-th of period, total Tax is Mtj;For example, this transaction is newest transaction, then the corresponding tax of this time transaction isMeanwhile tax Mtj May be comprising a variety of different taxes, such as value-added tax, tariff etc., the corresponding tax of i-th kind of tax is mtij;The embodiment of the present invention In the tax category are ranked up in advance, i.e., when i is determined, i-th kind of tax rate is which kind of tax rate is also determining.When certain transaction is not deposited In certain tax rate when paying, then the corresponding tax mt of this kind of tax rateijIt is 0.
Meanwhile in the embodiment of the present invention when determining the weight of every kind of tax rate, the inflation in period at that time is comprehensively considered Rate gtWith basic rate of income It, to guarantee that finally determining weighted value is more in line with historical law, more accurately.
Step B3: preset criteria weights group is determinedWhereinI-th kind is indicated to withhold The criteria weights value of the tax rate is payed on behalf, and according to criteria weights groupDetermine the coefficient S of paying taxes of active user:
Step B4: whether judgement coefficient S of paying taxes is greater than preset threshold, and when coefficient S of paying taxes is greater than preset threshold, determination is deposited In tax evasion suspicion.
In the embodiment of the present invention, it is first determined the difference between the weighted value and criteria weights value of active user, i.e.,The difference of adjacent two-rate tariff is determined to the area of corresponding triangle as two side lengths of triangle:And the angle of the triangle isThat is n triangle divides a circumference equally, and Using the gross area of n triangle as the coefficient S of paying taxes of active user.If between the weighted value and criteria weights value of active user Difference it is smaller, then coefficient S of paying taxes is smaller, and the distribution of paying taxes of active user is that comparison is reasonable;It is opposite, if pay taxes coefficient compared with Greatly, then illustrate that the corresponding difference of certain tax rate is larger, active user may implement ways of going about tax evasion to this kind of tax, at this time may be used To determine the user for facilitating regulator therefrom to determine tax evasion there may be the suspicion of tax evasion, may further avoid Ways of going about tax evasion.
On the basis of the above embodiments, Third-party payment platform is after the withholding information for determining this transaction, and the Tripartite's payment platform is also used to determine that withholding classification belonging to active user, the process specifically include step C1-C6:
Step C1: determining effective withholding information in preset time period, and effectively holding and remitting information includes this friendship History in easy withholding information and preset time period holds and remits information, and the end time point of preset time period is to work as The preceding time.
In the embodiment of the present invention, using current time as node, forward choose a period as preset time period, and All withholding information of active user in preset time period is determined active user's as effective withholding information Hold and remit classification.
Step C2: the transaction coefficient of effectively withholding information is determined, wherein the transaction coefficient p of the i-th transactioniAre as follows:
Wherein, AiIndicate the transaction amount of the i-th transaction, mijIndicate the i-th transaction The corresponding tax of the middle jth kind tax rate, MiIndicate total tax of the i-th transaction, n indicates the number of species of the withholding tax rate;i∈ [1, m], m indicate number of transaction total in preset time period.
In the embodiment of the present invention, the tax category are ranked up in advance, i.e., when i is determined, i-th kind of tax rate is which kind of tax rate is also Determining.It trades when certain and when paying of certain tax rate is not present, then the corresponding tax m of this kind of tax rateijIt is 0.It optionally, can be with It is ranked up according to the accounting of the whole tax revenue of current period country, for example, current country's value-added tax accounting highest, can will rise in value This tax category of tax make number one, and so on.Trade coefficient piThe significance level for characterizing respective transaction, for example, transaction amount Bigger, transaction coefficient is bigger, and the transaction is more important;When the forward tax category proportion that sorts is bigger, transaction coefficient is also got over Greatly, also illustrate that the transaction is more important.
Step C3: all effective withholding information in preset time period are ranked up according to transaction coefficient, are generated Withholding matrix T after sequence, and hold and remit the element t of the i-th row jth column in matrix TijIndicate sequence after j-th effectively Hold and remit the corresponding tax of the jth kind tax rate in information.
In the embodiment of the present invention, effective withholding information is ranked up using transaction coefficient, facilitates subsequent unification Process, reduce because before adjacent transaction tax category accounting differ greatly cause to be difficult to train neural network model influence.Each have The practical corresponding array being made of n tax of effect withholding information, m effectively withholding information can be combined into m The withholding matrix T of × n.
Step C4: pre-processing withholding matrix T, determine pretreated eigenmatrix F, and eigenmatrix the The element f of i row jth columnijAre as follows:
fij=-tij+ti(j+2)-2t(i+1)j+2t(i+1)(j+2)-t(i+2)j+t(i+2)(j+2);The line number of eigenmatrix F is m-2, column Number is n-2.
In the embodiment of the present invention, the sequence due to effectively holding and remitting information therefore is pressed according to after transaction coefficient sequence The spy of withholding matrix can be more embodied according to the longitudinal direction for the withholding matrix T that effective withholding information longitudinal arrangement generates Property, therefore the embodiment of the present invention, using 3 × 3 convolution karyogenesis eigenmatrix F longitudinally filtered, this feature matrix F has more prominent Longitudinal arrangement characteristic out.Wherein, ti(j+2)Indicate that the i-th row jth+2 arranges corresponding element, t in withholding matrix T(i+1)(j+2) Indicate that i+1 row jth+2 arranges corresponding element in withholding matrix T, and so on.
Step C5: eigenmatrix F is input to preset convolutional neural networks model, convolutional neural networks model is will be more The corresponding eigenmatrix of history withholding information of user trains to obtain as input, using withholding classification as output Network model.
Step C6: the withholding classification of active user, withholding are determined according to the output of convolutional neural networks model Classification include inclined value-added tax classification, Pianguan County's tax classification, inclined endowment insurance money classification, inclined Individual Income Tax classification, inclined value-added tax tariff classification, It is one or more in inclined value-added tax Individual Income Tax classification.
In the embodiment of the present invention, sample is obtained in advance, which includes the multiple users generated according to above-mentioned steps C1-C4 Eigenmatrix (input) and corresponding withholding classification (output), using sample training for classification convolutional Neural net Network model, so that it is determined that the parameter of the network model;It later can be according to current using trained convolutional neural networks model The feature of user puts to the proof the withholding type for determining active user.Wherein, inclined value-added tax type indicate the user be more biased towards in Value-added tax is paid, inclined value-added tax tariff type then indicates that the user is partial to pay value-added tax and tariff, and so on.By true Determine the withholding type of user, can more efficiently analyze the withholding behavior of user, and then leak for later tax dodging Tax analysis provides theoretical foundation.
A kind of third party of related direct rate based on communication protocol provided in an embodiment of the present invention holds and remits system, Automatic withholding is realized using Third-party payment platform, it is possible to prevente effectively from tax evasion;User terminal is based on user account Authentication is realized respectively with biological information, and the mode of two level identity authentication can increase transaction security, effectively take precautions against Financial system loophole.Meanwhile the system does not need to do banking system larger transformation, it is only necessary to which banking system realizes basic turn Account function, it is convenient that the withholding system is realized on the basis of existing banking system.Third-party payment platform is unified The record for storing withholding facilitates subsequent query cash flow to move towards.It can easily be realized by unified account form Withholding work based on the direct cost that communication is transferred accounts.Exempt from traffic interface using communication network, may be implemented accessible Payment, not only facilitates user to pay the fees at any time, also helps the customer experience for promoting Office of the Telecommunications Authority.Third-party payment platform is recording While withholding record, the electronic invoice of encryption is also generated, can to check at any time in many ways using electronic invoice and transfer accounts Record, facilitates multiparty billing.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies Within, then the present invention is also intended to include these modifications and variations.

Claims (10)

1. a kind of third party of related direct rate based on communication protocol holds and remits system characterized by comprising user Terminal and Third-party payment platform realize data by communication protocol between the user terminal and the Third-party payment platform Transmission;
The user terminal is used to send transaction request to the Third-party payment platform, and the transaction request includes user's account Number, user password, biological information, paying party information, beneficiary information and transaction amount;
The Third-party payment platform authenticates the transaction request, after transaction request certification passes through, according to institute It states paying party information and beneficiary information determines withholding information corresponding with the transaction request, the withholding letter Breath includes tax revenue account and the corresponding withholding tax rate, and the tax revenue account includes government revenue account, government's social pension It is one or more in medical insurance gold account, tariff account;
The Third-party payment platform is according to the withholding information and transaction amount determination and the withholding tax Rate holds and remits tax accordingly, and then the withholding tax is transferred accounts to the corresponding tax revenue account, and described the Tripartite's payment platform saves withholding record.
2. third party according to claim 1 holds and remits system, which is characterized in that
The user terminal is also used to flat to the Third-party payment before sending transaction request to the Third-party payment platform Platform sends registration information, and the registration information includes user's registration account, user login password and biological characteristic registration information, and The registration information further includes registering the type of credential of main body, certificate coding, certificate institute possession, contact address, phone, tax knowledge It is one or more in other code;
The Third-party payment platform is also used to judge whether the registration information is legal, saves when the registration information is legal The registration information.
3. third party according to claim 2 holds and remits system, which is characterized in that
The Third-party payment platform carries out certification to the transaction request
The Third-party payment platform judges whether the transaction request and the corresponding information in the registration information are consistent, in institute State transaction request it is consistent with the corresponding information in the registration information when, determine that transaction request certification passes through.
4. third party according to claim 2 holds and remits system, which is characterized in that
The user terminal is also used to send the first association request, the first association request packet to the Third-party payment platform Include user's bank account;
User and user's bank account are associated by the Third-party payment platform according to first association request;? When user's bank account is business account, the Third-party payment platform is also used to be stepped on according to user's bank account The affiliated industry of note and institute possession determine VAT rate corresponding with user's bank account;In user's bank account When for personal account, the institute possession that the Third-party payment platform is also used to be registered according to user's bank account determine with The corresponding social pension medical insurance gold rate of user's bank account.
5. third party according to claim 2 holds and remits system, which is characterized in that
The user terminal is also used to send the second association request, the second association request packet to the Third-party payment platform Include transfer account, the transfer account include provider accounts, enterprise employees account, securities broker company's account, futures company's account, It is one or more in kith and kin's family members' account;
The Third-party payment platform is also used to when second association request is legal, to user's bank account with it is described Transfer account is associated.
6. third party according to claim 1 holds and remits system, which is characterized in that further include: communication network;
The communication network, which is equipped with, exempts from traffic interface, and the user terminal is connected with the traffic interface of exempting from of the communication network, and It is realized and is communicated to connect by the communication network and the Third-party payment platform.
7. third party according to claim 1 holds and remits system, which is characterized in that the Third-party payment platform record The withholding records
The Third-party payment platform records the withholding and records and generate the electric tax invoice of encryption, the electric tax invoice packet Include: paying party bank account, beneficiary bank account, total Payments, tax revenue account, withholding tax, exchange hour and Anti-fake data encryption mark.
8. third party according to claim 1 holds and remits system, which is characterized in that when user's registration Third-party payment is flat When platform, Third-party payment platform generates digital encryption two dimensional code, the digital encryption automatically according to the identity information of registration main body Two dimensional code includes passport NO., the corresponding account tax identification code that opens a bank account, location the endowment medical insurance for registering main body It is golden rate, VAT rate, customs tariff, the housing and land tax tax rate, one or more in the legacy tax tax rate.
9. third party according to claim 1 holds and remits system, which is characterized in that the Third-party payment platform is true After the withholding information of this fixed transaction, it is also used to:
It determines T period before this transaction, and determines the history withholding of every transaction in active user's each period Information;
Every kind of withholding tax rate is successively determined according to the withholding information that the history holds and remits information and this transaction Weighted value wi, and determine corresponding weight group W=[w1,w2,…,wi,…,wn], n is the number of species for holding and remitting the tax rate;
Wherein,
gtIndicate the inflation rate in t-th of period, ItIndicate the basic rate of income in t-th of period, mtijWhen indicating t-th The corresponding tax of i-th kind of tax rate, Mt in jth transaction in phasejIndicate total tax of jth transaction in t-th of period, ntIt indicates Total number of transaction in t-th of period;
Determine preset criteria weights groupWhereinIndicate the mark of i-th kind of withholding tax rate Quasi- weighted value, and according to the criteria weights groupDetermine the coefficient S of paying taxes of active user:
Whether coefficient S of paying taxes described in judgement is greater than preset threshold, when the coefficient S of paying taxes is greater than preset threshold, determines and exists Tax evasion suspicion.
10. third party according to claim 1 holds and remits system, which is characterized in that the Third-party payment platform exists After the withholding information for determining this transaction, the Third-party payment platform is also used to:
Determine effective withholding information in preset time period, effective withholding information includes withholding for this transaction It pays on behalf the history in information and the preset time period and holds and remits information, and the end time point of the preset time period is to work as The preceding time;
Determine the transaction coefficient of effective withholding information, wherein the transaction coefficient p of the i-th transactioniAre as follows:
Wherein, AiIndicate the transaction amount of the i-th transaction, mijIndicate jth in the i-th transaction The corresponding tax of the kind tax rate, MiIndicate total tax of the i-th transaction, n indicates the number of species of the withholding tax rate;i∈[1, M], m indicates number of transaction total in the preset time period;
All effective withholding information in the preset time period are ranked up according to the transaction coefficient, generate sequence Withholding matrix T afterwards, and the element t that the i-th row jth arranges in the withholding matrix TijIndicate sequence after j-th effectively Hold and remit the corresponding tax of the jth kind tax rate in information;
The withholding matrix T is pre-processed, determines pretreated eigenmatrix F, and the i-th row of the eigenmatrix The element f of jth columnijAre as follows:
fij=-tij+ti(j+2)-2t(i+1)j+2t(i+1)(j+2)-t(i+2)j+t(i+2)(j+2);The line number of the eigenmatrix F is m-2, column Number is n-2;
The eigenmatrix F is input to preset convolutional neural networks model, the convolutional neural networks model is that will be mostly used The history corresponding eigenmatrix of withholding information at family as input, classification will be held and remitted as exporting train Network model;
The withholding classification of active user, the withholding classification are determined according to the output of the convolutional neural networks model Including inclined value-added tax classification, Pianguan County's tax classification, inclined endowment insurance money classification, inclined Individual Income Tax classification, inclined value-added tax tariff classification, partially increasing It is worth one or more in tax Individual Income Tax classification.
CN201810770018.8A 2018-07-13 2018-07-13 The third party of related direct rate based on communication protocol holds and remits system Pending CN109191088A (en)

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CN201910392810.9A CN112132556A (en) 2018-07-13 2018-07-13 Tax identification code based tax fee withholding payment clearing system for asset investment
CN202111071457.8A CN113792652A (en) 2018-07-13 2018-07-13 Electronic device for assisting tax payment identification system in storing and identifying three-dimensional fingerprints
CN202110330757.7A CN113469665A (en) 2018-07-13 2018-07-13 Terminal electronic device convenient for system to recognize identity and capable of taking pictures in three-dimensional mode
CN201810770018.8A CN109191088A (en) 2018-07-13 2018-07-13 The third party of related direct rate based on communication protocol holds and remits system
CN201910986631.8A CN110807635A (en) 2018-07-13 2018-07-13 Withholding and paying tax system for identifying and confirming paying fee according to secondary identity authentication of tax payment identification code

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CN202111071457.8A Division CN113792652A (en) 2018-07-13 2018-07-13 Electronic device for assisting tax payment identification system in storing and identifying three-dimensional fingerprints
CN202110330757.7A Division CN113469665A (en) 2018-07-13 2018-07-13 Terminal electronic device convenient for system to recognize identity and capable of taking pictures in three-dimensional mode
CN201910986631.8A Division CN110807635A (en) 2018-07-13 2018-07-13 Withholding and paying tax system for identifying and confirming paying fee according to secondary identity authentication of tax payment identification code

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CN201810770018.8A Pending CN109191088A (en) 2018-07-13 2018-07-13 The third party of related direct rate based on communication protocol holds and remits system
CN201910986631.8A Pending CN110807635A (en) 2018-07-13 2018-07-13 Withholding and paying tax system for identifying and confirming paying fee according to secondary identity authentication of tax payment identification code
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CN112070471A (en) * 2020-09-01 2020-12-11 好活(昆山)网络科技有限公司 Subscription information processing method and device, electronic equipment and storage medium
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