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 PDFInfo
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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
Technical Field
The invention relates to the technical field of payment of financial systems, in particular to a communication protocol-based third-party deduction payment system related to direct rates.
Background
Currently, currency as a public circulation medium is regulated and controlled by the government, and due to frequent existence of a large number of transactions, bank data statistics are difficult, and classification management of users is not facilitated. With the digitalization of the national currencies of various countries in the world, the establishment of a global secure payment system is inevitable. However, the existing third party payment only completes the personal receipt and payment of funds, and the fraud cannot be avoided. In terms of payment and receipt, both banks and individuals are inevitable to be subjected to various kinds of fraud and hackers, and in addition, information among various banks is not smooth, so that crimes are easy to frequently occur.
Meanwhile, tax is the basis for the governments to rely on maintaining public services (national or local security, education, and other public welfare), and although deduction and payment can be used for performing source and spring control on sporadic and uncontrollable tax sources, tax evasion and tax leakage of enterprises are inevitable. In addition, even though the national labor law tends to be perfect at present, a considerable part of enterprises in various regions in China think how to avoid the endowment medical insurance fund of hired workers, and a plurality of countries with unsound social and economic systems in the world also have the condition of lacking the endowment medical insurance fund; unfair social distribution also causes the social poor and rich gap to expand.
Disclosure of Invention
The invention provides a communication protocol-based third-party deduction payment system related to direct rates, which is used for solving the defect that the existing payment system is easy to have tax evasion and tax leakage.
The embodiment of the invention provides a communication protocol-based third party deduction payment system related to direct rates, which comprises: the payment system comprises a user terminal and a third party payment platform, wherein data transmission is realized between the user terminal and the third party payment platform through a communication protocol;
the user terminal is used for sending a transaction request to the third-party payment platform, wherein the transaction request comprises a user account, a user password, biological characteristic information, payer information, payee information and transaction amount;
the third-party payment platform authenticates the transaction request, after the transaction request is authenticated, deduct the agency and pay information corresponding to the transaction request according to the payer information and the payee information, wherein the deduct the agency and pay information comprises a tax account and a corresponding deduction agency and pay tax rate, and the tax account comprises one or more of a government tax account, a government social pension medical insurance premium account and a customs account;
and the third party payment platform determines the withholding tax payment corresponding to the withholding tax payment rate according to the withholding tax payment information and the transaction amount, transfers the withholding tax payment to the corresponding tax payment account, and saves withholding tax payment records.
In a possible implementation manner, before sending the transaction request to the third-party payment platform, the user terminal is further configured to send registration information to the third-party payment platform, where the registration information includes a user registration account, a user registration password, and biometric registration information, and the registration information further includes one or more of a certificate type of a registration subject, a certificate code, a certificate location, a contact address, a telephone, and a tax identification code;
the third party payment platform is also used for judging whether the registration information is legal or not and storing the registration information when the registration information is legal.
In one possible implementation, the third party payment platform authenticating the transaction request includes:
and the third party payment platform judges whether the transaction request is consistent with corresponding information in the registration information, and determines that the transaction request passes authentication when the transaction request is consistent with the corresponding information in the registration information.
In a possible implementation manner, the user terminal is further configured to send a first association request to the third party payment platform, where the first association request includes a user bank account;
the third party payment platform associates the user with the user bank account according to the first association request; when the user bank account is an enterprise account, the third-party payment platform is further used for determining a value-added tax rate corresponding to the user bank account according to the industry and the place to which the user bank account is registered; and when the user bank account is a personal account, the third-party payment platform is also used for determining the social care medical insurance premium rate corresponding to the user bank account according to the place to which the user bank account is registered.
In one possible implementation, the user terminal is further configured to send a second association request to the third party payment platform, where the second association request includes a transfer account, and the transfer account includes one or more of a supplier account, an enterprise employee account, a securities company account, a futures company account, and a family account of a family;
and the third party payment platform is also used for associating the user bank account with the transfer account when the second association request is legal.
In one possible implementation, the system further includes: a communication network;
the communication network is provided with a flow-free interface, the user terminal is connected with the flow-free interface of the communication network, and the communication connection is realized through the communication network and the third-party payment platform.
In one possible implementation manner, the third party payment platform recording the withholding payment-on-behalf record includes:
the third party payment platform records the withholding payment record and generates an encrypted electronic tax receipt, wherein the electronic tax receipt comprises: the bank account of the payer, the bank account of the payee, the tax identification code of the account of the both parties of the receipt and payment, the payment total, the tax account, the withholding payment tax, the transaction time and the anti-counterfeiting data encryption mark.
In a possible implementation manner, when the user registers the third-party payment platform, the third-party payment platform automatically generates a digital encrypted two-dimensional code according to the identity information of the registered main body, wherein the digital encrypted two-dimensional code comprises one or more of a certificate number of the registered main body, a corresponding bank account opening tax identification code, a local endowment medical insurance premium rate, a value-added tax rate, a tariff tax rate, a real estate tax rate and a legacy tax rate.
In one possible implementation, when the registered subject is an individual, the third party payment platform automatically provides the user with an identity prepaid account which can only accept the unscheduled transfer of the same bank account as the registered subject identity information; if the information of the transferred account does not match the information of the registered subject, the transfer operation cannot be accepted.
In a possible implementation manner, after determining the withholding payment-surrogating information of the transaction, the third-party payment platform is further configured to:
determining T periods before the transaction, and determining historical withholding payment information of each transaction in each period of the current user;
according to the historical withholding payment-substituting information and the withholding payment-substituting information of the transaction, sequentially determining the weight value w of each withholding payment-substituting tax rateiAnd determining the corresponding weight set W ═ W1,w2,…,wi,…,wn]N is the type number of tax rate withheld;
wherein,
gtindicates the inflation rate of the cargo in the t-th period, ItRepresenting the base rate of return, mt, over the t-th epochijRepresenting the tax Mt corresponding to the ith tax rate in the jth transaction in the tth periodjRepresenting the total tax of the jth transaction in the tth period;
determining a predetermined set of standard weightsWhereinThe standard weight value of the tax rate of the ith withholding payment is expressed, and the set of standard weights is based onDetermining a tax payment coefficient S of the current user:
and judging whether the tax payment coefficient S is larger than a preset threshold value or not, and determining that tax stealing and leaking suspicion exists when the tax payment coefficient S is larger than the preset threshold value.
In a possible implementation manner, after the third party payment platform determines the withholding payment-surrogating information of the transaction, the third party payment platform is further configured to:
determining effective withholding payment information in a preset time period, wherein the effective withholding payment information comprises withholding payment information of the transaction and historical withholding payment information in the preset time period, and the ending time point of the preset time period is the current time;
determining a transaction coefficient of the effective withholding payment information, wherein the transaction coefficient pi of the ith transaction is as follows:
wherein A isiRepresents the transaction amount, m, of the ith transactionijRepresenting the tax M corresponding to the jth tax rate in the ith transactioniThe total tax of the ith transaction is represented, and n represents the type and quantity of the tax rate of withholding and paying; i is an element of [1, m ]]M represents the total transaction amount in the preset time period;
sequencing all effective withholding information in the preset time period according to the transaction coefficient to generate a sequenced withholding matrix T, wherein the element T of the ith row and the jth column in the withholding matrix TijRepresenting the tax corresponding to the jth tax rate in the jth effective withholding payment information after sorting;
preprocessing the withholding payment-taking matrix T, determining a preprocessed feature matrix F, wherein the element F of the ith row and the jth column of the feature matrixijComprises the following steps:
fij＝-tij+ti(j+2)-2t(i+1)j+2t(i+1)(j+2)-t(i+2)j+t(i+2)(j+2)(ii) a The number of rows of the characteristic matrix F is m-2, and the number of columns of the characteristic matrix F is n-2;
inputting the characteristic matrix F into a preset convolutional neural network model, wherein the convolutional neural network model is a network model obtained by training with the characteristic matrix corresponding to the multi-user historical withholding information as input and withholding type as output;
determining a withholding payment category of the current user according to the output of the convolutional neural network model, wherein the withholding payment category comprises one or more of a partial value-added tax category, a partial tariff category, a partial pension insurance fund category, a partial individual tax category, a partial value-added tax category and a partial value-added tax individual tax category.
The third-party withholding payment system related to direct rates based on the communication protocol provided by the embodiment of the invention realizes automatic withholding payment by utilizing the bank system and the third-party payment platform, and can effectively avoid tax evasion and tax leakage; the user terminal realizes two-stage biological identity identification authentication based on third-party payment platform biological characteristic information authentication and bank account biological characteristic information authentication, the two-stage biological password identification can effectively prevent financial system loopholes, and the two-stage identity authentication mode can increase transaction safety. Meanwhile, the system does not need to greatly modify the bank system, and only needs the bank system to realize the basic transfer function, thereby being convenient for realizing the withholding payment system on the basis of the existing bank system. The third-party payment platform uniformly stores withholding payment records, and subsequent fund flow trend inquiry is facilitated. The deduction payment work of direct expenses based on communication transfer can be conveniently realized through a uniform account format. The flow-free interface of the communication network is utilized, barrier-free payment can be realized, convenience is brought to users to pay at any time, and improvement of customer experience of communication departments is facilitated. The third party payment platform is used for generating an encrypted electronic invoice while recording the withholding payment record, and multiple parties can check and check the transfer record at any time by using the electronic invoice, so that the payment is convenient for multiple parties to keep accounts.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
The technical solution of the present invention is further described in detail by the accompanying drawings and embodiments.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:
fig. 1 is a schematic diagram of a first structure of a direct-rate-related third-party deduction payment system according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a second structure of a direct rate-related third-party deduction payment system according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a third structure of a direct rate-related third party deduction payment system according to an embodiment of the present invention;
FIG. 4 is a diagram illustrating an electronic tax stamp according to an embodiment of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described in conjunction with the accompanying drawings, and it will be understood that they are described herein for the purpose of illustration and explanation and not limitation.
The embodiment of the invention provides a communication protocol-based third-party deduction payment system related to direct rates, which is suitable for a transaction process related to the direct rates; in the embodiment of the present invention, the "transaction related to direct rate" refers to a transaction flow that can be directly deducted when the fund flow is related, that is, as long as the fee that can be directly deducted is applicable to the system provided in the embodiment. Referring to fig. 1, the third party withholding payment includes: the user terminal 10 and the third party payment platform 20, and data transmission between the user terminal 10 and the third party payment platform 20 is realized through a communication protocol, and a wired or wireless transmission mode may be adopted, which is not limited in this embodiment.
Wherein the user terminal 10 can be in communication connection with the third party payment platform 20. The user terminal 10 is further configured to send a transaction request to the third party payment platform 20, where the transaction request includes a user account, a user password, biometric information, payer information, payee information, and a transaction amount.
In the embodiment of the present invention, a user (enterprise or individual) has registration information in a bank based on the user terminal 10, and has a corresponding bank account, that is, has a payment account, and also has accounts registered in the third party payment platform at the same time. The user terminal can be a smart phone, a tablet computer, a personal computer and the like. The transaction request is user information that requires authentication by the third party payment platform 20.
The third-party payment platform 20 authenticates the transaction request, and after the transaction request passes the authentication, determines deduction payment information corresponding to the transaction request according to the payer information and the payee information, wherein the deduction payment information comprises a tax account and a corresponding deduction payment tax rate, and the tax account comprises one or more of a government tax account, a government social pension medical insurance premium account and a customs account. In the embodiment of the present invention, the third party payment platform 20 pre-stores information that can verify whether the transaction request is legal, and when the user account and the user password in the transaction request are correct, the user can log in the third party payment platform 20; when the biometric information authentication is passed, the third party payment platform 20 allows the user terminal 10 to perform an operation requiring higher authority (e.g., transfer, etc.). The information of the payer at least comprises a payment account, and the information of the payee at least comprises a collection account. The payee information can be automatically generated according to the transaction, and manual income of a user is not needed; similarly, the payer information can be preset by the user, and the input is also not needed once and again when the transaction request is sent, so that redundant operation is avoided. The biometric information may specifically be one or more of a fingerprint, a face, an iris, and a palm print.
When the transaction request sent by the user terminal 10 passes the authentication, the third party payment platform 20 may determine that the payer information and the payee information in the transaction request are legal, and at this time, may determine the withholding payment information corresponding to the transaction request, where the withholding payment information includes a tax account and a corresponding withholding payment tax rate, and the tax account includes one or more of a government tax account, a government social pension medical insurance premium account, and a customs account.
The payer information and the payee information can represent the fund trend of the transaction, and further can determine the corresponding tax rate of the transaction. The "transaction" in the embodiment of the present invention may include not only a sales transaction, but also a payroll, a security investment, a futures investment, a fund investment, and the like. Specifically, the third party payment platform 20 determines which tax type the transaction request corresponds to (for example, personal income tax, value-added tax, or medical insurance, endowment insurance, etc.) according to the payment account and the collection account, and then may determine the tax rate of the withholding payment according to the tax type, and may determine the tax bank and the account of the tax bank corresponding to the tax type (for example, the value-added tax account of the government of the payer location, the tariff account of the government of the country of the payer location, the medical insurance account of the government of the old age of the payer location, the direct rate of the collection location, etc.). For example, when a company issues wages to employees, the enterprise account of the company is a payment account, the bank account of the corresponding employee is a collection account, and the transaction request corresponds to a plurality of taxes, such as a public deposit, an insurance, and the like; taking pension insurance as an example, a pension insurance cooperative bank in Beijing is a Beijing bank, when a user needs to pay pension insurance instead, at the moment, the tax corresponding to the user bank account (i.e. a payment account) is pension insurance, the tax bank corresponding to the transaction request is the Beijing bank, and then the account of the tax bank can be determined. The "tax rate" in the embodiment of the present invention includes a rate of social care medical insurance and the like in addition to a rate of collection or a collection amount for a tax collection subject.
In addition, when the transaction request is person-to-person, corresponding withholding payment information can be determined. For example, when the user a purchases a certain commodity of the user B, the user a may initiate a transaction request to the user B based on the third-party payment platform 20, where the payment account is a bank account of the user a, the collection account is a bank account of the user B, and the value-added tax rate may be determined according to the registration information of the collector. Meanwhile, if the tax system is modified, the system can be changed according to the actual requirement. For example, the personal transfer also needs to pay a certain tax (the existing legacy tax exists), and the withholding payment in the personal transfer process can be realized based on the system.
After the deduction-withholding payment-taking information is determined, the third party payment platform 20 determines deduction-withholding payment-taking tax corresponding to the deduction-withholding payment-taking tax rate according to the deduction-withholding payment-taking information and the transaction amount, transfers the deduction-withholding payment-taking tax to a corresponding tax account, and the third party payment platform 20 stores deduction-withholding payment-taking records.
In the embodiment of the invention, after the tax rate is determined, the corresponding tax deduction and payment can be determined according to the transaction amount, and the tax is transferred from the payment account to the government tax account while the transaction of the payer and the payee is completed, so that the automatic tax deduction and payment is realized. The third party payment platform 20 records withholding payment record, so that the subsequent checking of fund flow is facilitated, and illegal operation is avoided. Referring to fig. 2, the above-described deduction process can be implemented by means of an existing banking system. The bank system is an existing bank system and comprises a front-end system and a core system of the bank, the front-end system realizes message conversion, encryption and the like, and the core system realizes data processing. Meanwhile, the system supports a plurality of user terminals, and the overall working scene of the system is shown in detail in fig. 2. In fig. 2, the dotted line between the third party payment platform and the banking system indicates that the third party payment platform and the banking system can be wirelessly (or wiredly) connected through a communication network, and the whole structure shown in fig. 2 can realize withholding and paying in various scenes such as online shopping, house property buying and selling, enterprise loan, salary issuing and the like.
According to the third party withholding payment system related to direct rates based on the communication protocol, when a user needs to transfer accounts to other people (transaction transfer between enterprises, between enterprises and individuals, and between individuals, specifically, online shopping, wage issue, house purchase and sale, enterprise loan and the like), the user can log in a third party payment platform 20 based on a user terminal 10 to transfer funds in a bank account of the user to the corresponding other people's account, meanwhile, the third party payment platform 20 determines tax charges (such as personal taxes required to be paid when the enterprises issue wages and the like) required to be paid by the user in the process, and automatically transfers the paid charges to a tax account, so that automatic withholding payment is realized.
The third-party withholding payment system related to direct rates based on the communication protocol provided by the embodiment of the invention realizes automatic withholding payment by using a third-party payment platform, and can effectively avoid tax evasion and tax leakage; the user terminal respectively realizes identity authentication based on the identity information of the third-party payment platform and the identity information of the bank account (card), and the two-stage identity authentication mode can increase the transaction security and effectively prevent financial system loopholes. The third-party payment platform uniformly stores withholding payment records, and subsequent fund flow trend inquiry is facilitated. Meanwhile, the system does not need to greatly modify the bank system, and only needs the bank system to realize the basic transfer function, thereby being convenient for realizing the withholding payment system on the basis of the existing bank system. The system can well solve the problem of tax attribution by automatically withholding and paying the tax, ensures the daily expenditure of government maintaining public service, and can effectively attack the actions of tax stealing and tax omission. The right and interests of laborers can be guaranteed by withholding and paying the endowment medical insurance funds, and the government tax and the endowment medical insurance are also rebalancing in unfair allocation of wealth to the society for the old.
On the basis of the above embodiment, the user terminal 10 is further configured to send registration information to the third party payment platform 20 before sending the transaction request to the third party payment platform 20, where the registration information includes a user registration account, a user registration password, and biometric registration information, and the registration information further includes one or more of a certificate type of a registration subject, a certificate code, a certificate location, a contact address, a telephone number, and a tax identification code;
the third party payment platform 20 is further configured to determine whether the registration information is legal, and store the registration information when the registration information is legal.
In the embodiment of the present invention, the user terminal 10 first registers on the third party payment platform 20, and meanwhile, the biometric features of the user are retained on the third party payment platform 20, which is convenient for subsequent biometric feature identification.
On the basis of the above embodiment, the authentication of the transaction request by the third party payment platform 20 includes:
the third party payment platform 20 determines whether the transaction request is consistent with the corresponding information in the registration information, and determines that the transaction request is authenticated when the transaction request is consistent with the corresponding information in the registration information. In addition, the third party payment platform 20 may further determine whether the certificate type and the code in the main body registration information submitted by the user are consistent with the certificate type and the code in the main body registration information stored in the third party payment platform 20, and if the information stored in the third party payment platform 20 is not consistent with the main body information of the bank card bound by the user, the third party payment platform refuses to pass and marks the registered account. Meanwhile, the third party payment platform 20 authenticates whether the transaction request belongs to safe payment, and if the transaction request belongs to safe payment, the tax transfer is deducted; if the payment is a dangerous payment, the payee account is judged to be illegal, the public security department can be immediately informed, the information related to all persons transferred into the account is provided, and all the directions of the account and the information related to the victims are frozen.
In the embodiment of the invention, the registration information submitted during user registration is used as the reference for verifying the user information; wherein if the user later modifies the registration information (e.g., modifies the password or re-submits the biometric characteristic), the new registration information is used as the standard.
On the basis of the above embodiment, the user terminal 10 is further configured to send a first association request to the third party payment platform 20, where the first association request includes a user bank account (i.e. a payment account);
the third party payment platform 20 associates the user with the user bank account according to the first association request; when the user bank account is an enterprise account, the third-party payment platform 20 is further configured to determine a value-added tax rate corresponding to the user bank account according to the industry and the place to which the user bank account is registered; when the user bank account is a personal account, the third-party payment platform 20 is further configured to determine the social care insurance premium rate corresponding to the user bank account according to the place where the user bank account is registered.
Optionally, the user terminal 10 is further configured to send a second association request to the third party payment platform 20, where the second association request includes a transfer account (which may be a collection account), and the transfer account includes one or more of a supplier account, an enterprise employee account, a securities company account, a futures company account, and a family account of a family; the third party payment platform 20 is also used to associate the user's bank account with the transfer account when the second association request is legitimate.
In the embodiment of the invention, the user can be associated with the payment account and the collection account through the association request, so that the input is not required to be carried out once and again when the transaction request is sent every time, and redundant operation is avoided.
Because there are many industries in society, the tax rate of each industry may be different, and the tax rate standards of different countries are also different, so to realize withholding payment, it is necessary to determine the country and industry where the user is located. In the embodiment of the present invention, all the registered parties need to register the account of the third party payment platform in a unified format, which specifically includes: nationality, tax identification codes uniformly compiled by government tax authorities; when the user bank account is an individual account, the user bank account comprises: nationality, and tax identification codes uniformly compiled by government tax authorities. The tax identification code of the registered main account is associated with the bank account with which the registration information conforms. The third-party payment platform can automatically match the rate of the taxes to be paid according to the relevant information of the registered main body, and automatically generate the digital encrypted identity two-dimensional code according to the data. The third party payment account of the user in the embodiment of the invention comprises the tax stipulation rate, which means that the corresponding tax stipulation rate can be determined according to the registration information of the user, and the account can directly contain the tax rate and can also determine the tax rate through the corresponding relation. The deduction and payment work of direct expenses based on communication transfer can be realized through a uniform account format.
Optionally, the system may further comprise a personal identity prepaid account, which is a digital identity encrypted account synthesized by the third party payment platform according to the identity information of the person, and comprises an identity document code of the registered main body, a tax identification code and a bank card account identical to the identity information of the registered main body. The method can be used only by transferring certain funds from the bank card with the same identity information as the registered main body at regular or irregular time every month, and is beneficial to realizing global high-frequency low-value convenient payment for the user.
On the basis of the above embodiment, referring to fig. 3, the system further includes: a communication network 50; the communication network 50 is provided with a flow-free interface, and the user terminal 10 is connected with the flow-free interface of the communication network 50 and is in communication connection with the third party payment platform 20 through the communication network 50.
In the embodiment of the invention, the communication department establishes an interface which is not limited by flow (namely a flow-free interface), and the interface is only used for third-party payment transaction, thereby being free from the trouble of stopping the machine of a client and realizing barrier-free payment. In case of shutdown, the client cannot surf the internet and renew the fee, the fee can be paid through a third party payment mode, so that convenience is brought to the user to pay at any time, and the client experience of a communication department is promoted.
On the basis of the above embodiment, the third party payment platform 20 records the withholding payment-taking record including: the third party payment platform 20 records the withholding payment record and generates an encrypted electronic tax receipt, wherein the electronic tax receipt comprises: the bank account of the payer, the bank account of the payee and the tax identification code of the account of the both parties, the total payment amount, the tax account, the withholding payment tax and the transaction time.
In the embodiment of the invention, the third party payment platform 20 records the withholding payment record and simultaneously generates an encrypted electronic tax bill, wherein the electronic tax bill is a product for directly deducting the fee according to the rate specified by the local government at the account of the paying party when the funds of the transaction parties are transferred. The electronic tax bill comprises account names of both the payment parties, total payment amount, transaction time, related tax account accounts (or related account numbers of government social care medical insurance premium accounts) and tax identification codes of both the payment parties, and digital encryption anti-counterfeiting is carried out according to the accounts of both the payment parties and the actual deduction amount regulated by the government. Optionally, the electronic tax receipts are in five copies, and the payee government tax department (or the government social security organization where the account of the payer is located) respectively have one copy of the electronic tax receipts and one copy of the electronic tax receipts, and have one copy of the electronic tax receipts reserved for inquiry and one copy of the electronic tax receipts reserved for financial accounting of the company. The electronic tax receipt of the system can realize that the state of the currency and the commercial assets of each country and the central bank can be mastered globally, thereby providing one hand of data for the national currency policy (currency putting, interest rate policy and exchange rate control) of each country and the central bank; meanwhile, tax evasion can be effectively avoided, the government is assisted in overall planning of medical insurance funds for the aged, and the contradiction of unfair social distribution is alleviated. A schematic diagram of an electronic tax stamp is shown in fig. 4; in fig. 4, the information at the left side of the electronic tax receipt indicates that each country's central bank can grasp the state of its domestic money and its business assets in real time according to the electronic tax receipt, so as to provide a basis for the money policy set by each country's central bank, and the information at the right side indicates that any one money circulation of each party has the electronic tax receipt as a record, so as to facilitate tax auditing of each department; the government tax accounts comprise various tax accounts specified by governments such as value-added tax, real estate tax, customs duty and the like.
On the basis of the embodiment, when the registration main body finishes the account registration of the third-party payment platform, the third-party payment platform automatically generates the digital encrypted two-dimensional code according to the identity information of the registration main body, wherein the digital encrypted two-dimensional code comprises certificate codes and nationality of the registration main body, and one or more of value-added tax rate, pension medical insurance premium rate, customs tax rate, real estate tax rate and heritage tax rate of the account where the bank account is opened corresponding to the tax identification code uniformly compiled by a relevant government tax department. The data encryption two-dimensional code can be used for quick payment, and when a user needs to pay, the data encryption two-dimensional code can be displayed through a user terminal, and a payee scans the data encryption two-dimensional code to finish a payment process. Or account payment registered in the third-party payment platform and sent to the other party when shopping online.
On the basis of the above embodiment, the third party payment platform 20 is further configured to evaluate the tax payment behavior of the current user after determining the withholding payment information of the transaction, and the evaluation process specifically includes steps a 1-A3:
step A1: the government tax authority and the endowment medical insurance organization provide tax rates which should be paid by various account main bodies for the third-party payment platform;
step A2: the third party payment platform carries out withholding payment and provides the electronic tax bill according to the rate provided by the relevant department;
step A3: and related government departments audit according to the electronic tax receipt, and if a problem exists, the third party payment platform can feed back the modification to the third party payment platform in time, and can log in the account to modify. Meanwhile, related units can be found for additional payment or tax refund.
Optionally, the tax payment behavior of the current user may be evaluated through the following process, where the evaluation process specifically includes steps B1-B4:
step B1: and determining T periods before the transaction, and determining historical withholding payment information of each transaction in each period of the current user.
In the embodiment of the invention, the time point of the transaction is taken as a node, and T periods are determined according to a preset time period. For example, if 1 year is taken as 1 period and a transaction record of the previous 5 years needs to be acquired, T is 5, and all transaction information of each year is all transaction information in one period, that is, historical withholding payment information. The withholding payment information corresponding to the transaction is the latest payment information.
Step B2: sequentially determining the weight value w of each withholding tax rate according to the historical withholding payment information and the withholding payment information of the transactioniAnd determining the corresponding weight set W ═ W1,w2,…,wi,…,wn]N is the type number of tax rate withheld;
wherein,
gtindicates the inflation rate of the cargo in the t-th period, ItRepresenting the base rate of return, mt, over the t-th epochijRepresenting the tax Mt corresponding to the ith tax rate in the jth transaction in the tth periodjIndicates the total tax of the jth transaction in the tth period, ntRepresenting the total number of transactions during the t-th time period.
In the embodiment of the invention, n is totally used in the t periodtFor the jth transaction in the tth period, the total tax is Mtj(ii) a For example, if the current transaction is the latest transaction, the tax corresponding to the transaction isAt the same time, the tax MtjMay contain various taxes, such as value-added tax, tariff, etc., and the tax corresponding to the ith tax is mtij(ii) a In the embodiment of the invention, the tax types are sorted in advance, namely when the i is determined, which tax rate the ith tax rate is also determined. When there is no payment of a certain tax rate in a certain transaction, the tax mt corresponding to the tax rateijIs 0.
Meanwhile, when the weight of each tax rate is determined, the currency expansion rate g of the current period is comprehensively consideredtAnd basic rate of return ItTherefore, the finally determined weighted value is ensured to be more in line with the historical rule and more accurate.
Step B3: determining a predetermined set of standard weightsWhereinThe standard weight value of the tax rate of the withholding payment of the ith kind is expressed, and the tax rate is calculated according to the standard weight groupDetermining tax payment coefficient S of current user：
Step B4: and judging whether the tax payment coefficient S is greater than a preset threshold value, and determining that tax evasion suspicion exists when the tax payment coefficient S is greater than the preset threshold value.
In the embodiment of the invention, the difference value between the weight value of the current user and the standard weight value is determined firstly, namely the difference valueDetermining the area of the corresponding triangle by taking the difference value of two adjacent tax rates as the two side lengths of the triangle:and the included angle of the triangle isNamely, the n triangles equally divide a circle, and the total area of the n triangles is used as the tax payment coefficient S of the current user. If the difference value between the weight value of the current user and the standard weight value is small, the tax payment coefficient S is small, and the tax payment distribution of the current user is reasonable; on the contrary, if the tax payment coefficient is larger, it is indicated that the difference value corresponding to a certain tax rate is larger, and the current user may implement tax stealing and leaking behaviors on the tax, at this time, suspicion of tax stealing and leaking may exist can be determined, so that a supervisor can conveniently determine the user who steals and leaks the tax, and further, the tax stealing and leaking behaviors can be avoided.
On the basis of the above embodiment, after the third party payment platform determines the withholding payment information of the transaction, the third party payment platform is further configured to determine a withholding payment category to which the current user belongs, and the process specifically includes steps C1-C6:
step C1: and determining effective withholding and paying information in a preset time period, wherein the effective withholding and paying information comprises withholding and paying information of the transaction and historical withholding and paying information in the preset time period, and the ending time point of the preset time period is the current time.
In the embodiment of the invention, the current time is taken as a node, a time period is selected forwards as a preset time period, and all withholding payment information of the current user in the preset time period is taken as effective withholding payment information to determine the withholding payment category of the current user.
Step C2: determining the transaction coefficient of the effective withholding payment information, wherein the transaction coefficient p of the ith transactioniComprises the following steps:
wherein A isiRepresents the transaction amount, m, of the ith transactionijRepresenting the tax M corresponding to the jth tax rate in the ith transactioniThe total tax of the ith transaction is represented, and n represents the type and quantity of the tax rate of withholding and paying; i is an element of [1, m ]]And m represents the total transaction amount in the preset time period.
In the embodiment of the invention, the tax types are sorted in advance, namely when i is determined, which tax rate is the ith tax rate is also determined. When there is no payment of a certain tax rate in a certain transaction, the tax m corresponding to the tax rateijIs 0. Optionally, the taxation types can be ranked according to the proportion of the national overall taxation in the current period, for example, the current domestic value-added tax proportion is the highest, the value-added tax type can be ranked first, and the like. Transaction coefficient piThe importance degree of the corresponding transaction is represented, for example, the larger the transaction amount is, the larger the transaction coefficient is, and the more important the transaction is; when the proportion of the taxes ranked in the top is larger, the transaction coefficient is also larger, and the transaction is also more important.
Step C3: sequencing all effective withholding payment information in a preset time period according to the transaction coefficient to generate a sequenced withholding payment matrix T, wherein the element T of the ith row and the jth column in the withholding payment matrix TijShowing the j effective withholding payment information after sortingAnd f, tax corresponding to the jth tax rate.
In the embodiment of the invention, the effective withholding payment information is sequenced by using the transaction coefficient, so that the subsequent uniform process is facilitated, and the influence of difficulty in training the neural network model due to large difference of tax proportion before adjacent transactions is reduced. Each effective withholding payment information actually corresponds to an array consisting of n taxes, and m effective withholding payment information can be combined into an mxn withholding payment matrix T.
Step C4: preprocessing the withholding payment-taking matrix T, determining a preprocessed characteristic matrix F, and determining the element F of the ith row and the jth column of the characteristic matrixijComprises the following steps:
fij＝-tij+ti(j+2)-2t(i+1)j+2t(i+1)(j+2)-t(i+2)j+t(i+2)(j+2)(ii) a The feature matrix F has a number of rows m-2 and a number of columns n-2.
In the embodiment of the invention, as the sequence of the effective withholding and paying information is sequenced according to the transaction coefficient, the characteristic of the withholding and paying matrix can be better reflected in the longitudinal direction of the withholding and paying matrix T generated according to the longitudinal arrangement of the effective withholding and paying information, so that the embodiment of the invention utilizes the 3 x 3 convolution kernel of the longitudinal filtering to generate the characteristic matrix F, and the characteristic matrix F has more prominent longitudinal arrangement characteristic. Wherein, ti(j+2)Represents the corresponding element of the ith row, the j +2 th column in the withholding and paying matrix T, T(i+1)(j+2)And (4) representing the corresponding element of the (i + 1) th row and the (j + 2) th column in the withholding and paying matrix T, and so on.
Step C5: and inputting the characteristic matrix F into a preset convolutional neural network model, wherein the convolutional neural network model is a network model obtained by training by taking the characteristic matrix corresponding to the multi-user historical withholding information as input and taking withholding type as output.
Step C6: determining the withholding payment category of the current user according to the output of the convolutional neural network model, wherein the withholding payment category comprises one or more of a partial value-added tax category, a partial tariff category, a partial old insurance premium category, a partial value-added tax tariff category and a partial value-added tax category.
In the embodiment of the invention, a sample is obtained in advance, the sample comprises a plurality of user feature matrixes (input) and corresponding withholding types (output) generated according to the steps C1-C4, and a convolutional neural network model for classification is trained by using the sample, so that parameters of the network model are determined; and then, the deduction payment type of the current user can be determined by using the trained convolutional neural network model according to the characteristics of the current user. The type of the bias value-added tax indicates that the user prefers to pay the value-added tax, and the type of the bias value-added tax indicates that the user prefers to pay the value-added tax and the tariff, and so on. By determining the withholding and paying type of the user, the withholding and paying behavior of the user can be more effectively analyzed, and further theoretical basis is provided for the later tax stealing and leaking analysis.
The third-party withholding payment-withholding system related to the direct rate based on the communication protocol provided by the embodiment of the invention realizes automatic withholding payment-withholding by using a third-party payment platform, and can effectively avoid tax evasion and tax leakage; the user terminal respectively realizes identity authentication based on the user account and the biological characteristic information, and the two-stage identity authentication mode can increase the transaction security and effectively prevent financial system vulnerabilities. Meanwhile, the system does not need to greatly modify the bank system, and only needs the bank system to realize the basic transfer function, thereby being convenient for realizing the withholding payment system on the basis of the existing bank system. The third-party payment platform uniformly stores withholding payment records, and subsequent fund flow trend inquiry is facilitated. The deduction payment work of direct expenses based on communication transfer can be conveniently realized through a uniform account format. The flow-free interface of the communication network is utilized, barrier-free payment can be realized, convenience is brought to users to pay at any time, and improvement of customer experience of communication departments is facilitated. The third party payment platform is used for generating an encrypted electronic invoice while recording the withholding payment record, so that multiple parties can check the transfer record at any time by using the electronic invoice, and the convenience is brought to the multiple parties for keeping accounts.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (10)
1. A third party deduction payment system related to direct rate based on communication protocol, comprising: the payment system comprises a user terminal and a third party payment platform, wherein data transmission is realized between the user terminal and the third party payment platform through a communication protocol;
the user terminal is used for sending a transaction request to the third-party payment platform, wherein the transaction request comprises a user account, a user password, biological characteristic information, payer information, payee information and transaction amount;
the third-party payment platform authenticates the transaction request, after the transaction request is authenticated, deduct the agency and pay information corresponding to the transaction request according to the payer information and the payee information, wherein the deduct the agency and pay information comprises a tax account and a corresponding deduction agency and pay tax rate, and the tax account comprises one or more of a government tax account, a government social pension medical insurance premium account and a customs account;
and the third party payment platform determines the withholding tax payment corresponding to the withholding tax payment rate according to the withholding tax payment information and the transaction amount, transfers the withholding tax payment to the corresponding tax payment account, and saves withholding tax payment records.
2. The system of claim 1,
the user terminal is used for sending registration information to the third-party payment platform before sending a transaction request to the third-party payment platform, wherein the registration information comprises a user registration account, a user registration password and biological characteristic registration information, and the registration information further comprises one or more items of certificate types, certificate codes, certificate locations, contact addresses, telephones and tax identification codes of a registration main body;
the third party payment platform is also used for judging whether the registration information is legal or not and storing the registration information when the registration information is legal.
3. The third party deduction payment system as claimed in claim 2,
the third party payment platform authenticating the transaction request comprises:
and the third party payment platform judges whether the transaction request is consistent with corresponding information in the registration information, and determines that the transaction request passes authentication when the transaction request is consistent with the corresponding information in the registration information.
4. The third party deduction payment system as claimed in claim 2,
the user terminal is further used for sending a first association request to the third-party payment platform, wherein the first association request comprises a user bank account;
the third party payment platform associates the user with the user bank account according to the first association request; when the user bank account is an enterprise account, the third-party payment platform is further used for determining a value-added tax rate corresponding to the user bank account according to the industry and the place to which the user bank account is registered; and when the user bank account is a personal account, the third-party payment platform is also used for determining the social care medical insurance premium rate corresponding to the user bank account according to the place to which the user bank account is registered.
5. The third party deduction payment system as claimed in claim 2,
the user terminal is further used for sending a second association request to the third-party payment platform, wherein the second association request comprises a transfer account, and the transfer account comprises one or more of a supplier account, an enterprise employee account, a securities company account, a futures company account and a family account of a family;
and the third party payment platform is also used for associating the user bank account with the transfer account when the second association request is legal.
6. The system of claim 1, further comprising: a communication network;
the communication network is provided with a flow-free interface, the user terminal is connected with the flow-free interface of the communication network, and the communication connection is realized through the communication network and the third-party payment platform.
7. The system of claim 1, wherein the third party payment platform recording the withholding payment record comprises:
the third party payment platform records the withholding payment record and generates an encrypted electronic tax receipt, wherein the electronic tax receipt comprises: the bank account of the payer, the bank account of the payee, the total payment amount, the tax account, the withholding payment tax, the transaction time and the anti-counterfeiting data encryption identification.
8. The third party withholding payment system of claim 1, wherein when the user registers the third party payment platform, the third party payment platform automatically generates a digital encrypted two-dimensional code according to the identity information of the registered main body, wherein the digital encrypted two-dimensional code comprises one or more of a certificate number of the registered main body, a corresponding bank account opening tax identification code, a location aged medical insurance premium rate, a value-added tax rate, a tariff rate, a real estate tax rate, and a legacy tax rate.
9. The system of claim 1, wherein the third party payment platform, after determining the withholding information of the transaction, is further configured to:
determining T periods before the transaction, and determining historical withholding payment information of each transaction in each period of the current user;
according to the historical withholding payment-substituting information and the withholding payment-substituting information of the transaction, sequentially determining the weight value w of each withholding payment-substituting tax rateiAnd determining the corresponding weight set W ═ W1,w2,…,wi,…,wn]N is the type number of tax rate withheld;
wherein,
gtindicates the inflation rate of the cargo in the t-th period, ItRepresenting the base rate of return, mt, over the t-th epochijIndicating the jth pen in the tth periodTax, Mt, corresponding to the ith tax rate in a transactionjIndicates the total tax of the jth transaction in the tth period, ntRepresenting the total number of transactions during the t-th time period;
determining a predetermined set of standard weightsWhereinThe standard weight value of the tax rate of the ith withholding payment is expressed, and the set of standard weights is based onDetermining a tax payment coefficient S of the current user:
and judging whether the tax payment coefficient S is larger than a preset threshold value or not, and determining that tax stealing and leaking suspicion exists when the tax payment coefficient S is larger than the preset threshold value.
10. The system of claim 1, wherein after the third party payment platform determines the withholding information of the transaction, the third party payment platform is further configured to:
determining effective withholding payment information in a preset time period, wherein the effective withholding payment information comprises withholding payment information of the transaction and historical withholding payment information in the preset time period, and the ending time point of the preset time period is the current time;
determining the transaction coefficient of the effective withholding payment information, wherein the transaction coefficient p of the ith transactioniComprises the following steps:
wherein A isiRepresents the transaction of the ith transactionSum of money, mijRepresenting the tax M corresponding to the jth tax rate in the ith transactioniThe total tax of the ith transaction is represented, and n represents the type and quantity of the tax rate of withholding and paying; i is an element of [1, m ]]M represents the total transaction amount in the preset time period;
sequencing all effective withholding information in the preset time period according to the transaction coefficient to generate a sequenced withholding matrix T, wherein the element T of the ith row and the jth column in the withholding matrix TijRepresenting the tax corresponding to the jth tax rate in the jth effective withholding payment information after sorting;
preprocessing the withholding payment-taking matrix T, determining a preprocessed feature matrix F, wherein the element F of the ith row and the jth column of the feature matrixijComprises the following steps:
fij＝-tij+ti(j+2)-2t(i+1)j+2t(i+1)(j+2)-t(i+2)j+t(i+2)(j+2)(ii) a The number of rows of the characteristic matrix F is m-2, and the number of columns of the characteristic matrix F is n-2;
inputting the characteristic matrix F into a preset convolutional neural network model, wherein the convolutional neural network model is a network model obtained by training with the characteristic matrix corresponding to the multi-user historical withholding information as input and withholding type as output;
determining a withholding payment category of the current user according to the output of the convolutional neural network model, wherein the withholding payment category comprises one or more of a partial value-added tax category, a partial tariff category, a partial pension insurance fund category, a partial individual tax category, a partial value-added tax category and a partial value-added tax individual tax category.
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| 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 |
| 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 |
| 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 |
| 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 |
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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 |
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| CN201910392810.9A Pending CN112132556A (en) | 2018-07-13 | 2018-07-13 | Tax identification code based tax fee withholding payment clearing system for asset investment |
| 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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| CN201910392810.9A Pending CN112132556A (en) | 2018-07-13 | 2018-07-13 | Tax identification code based tax fee withholding payment clearing system for asset investment |
| 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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| CN107067221A (en) * | 2016-11-22 | 2017-08-18 | 克里斯彭基昆瓦德 | A kind of method being traded by computer |
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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 |
| CN112070471B (en) * | 2020-09-01 | 2022-08-05 | 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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| CN116260663B (en) * | 2023-05-16 | 2023-08-11 | 山东邦牛信息科技有限公司 | Tax control management method and system for gas station |
Also Published As
| Publication number | Publication date |
|---|---|
| CN113792652A (en) | 2021-12-14 |
| CN110807635A (en) | 2020-02-18 |
| CN112132556A (en) | 2020-12-25 |
| CN113469665A (en) | 2021-10-01 |
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