CN110706089A - Financial non-tax fund payment system and method - Google Patents
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Abstract
The invention relates to the technical field of financial non-tax fund management, in particular to a financial non-tax fund payment system and a method, wherein the system is based on the method and comprises a server and a database, the server comprises the following modules, and a user management module: the system is used for setting a login mode of a user for logging in a financial non-tax fund payment system and carrying out identity authentication on the login of the user; the collection and payment management module: the system is used for carrying out fund clearing of non-tax income according to the identity of the user after the identity verification is passed, and generating a payment order; an order management module: the payment management system is used for performing classification management on all payment orders; the bill checking module: the system is used for acquiring the financial bill number of the payment order, retrieving the payment information corresponding to the financial bill number from the database, and feeding back the bill state to the inspector for the inspector to judge the authenticity. The invention can ensure timely, full and safe payment of financial funds and solve the problems of difficult non-tax fund collection and low efficiency.
Description
Technical Field
The invention relates to the technical field of financial non-tax fund management, in particular to a financial non-tax fund payment system and a method.
Background
The fiscal non-tax income fund is income obtained by national authorities, public institutions, social groups and other organizations which substitute for government functions and legally utilize national rights, government reputations, rights and interests of national resource (asset) owners and the like besides tax. The collection of non-tax income is carried out by taking a financial department as a collection management department and entrusting each business management department as a collection unit, relates to various administrative institutions and civil institutions, and financial institutions including each agent bank and payment institutions participating in service, provides payment service for social public and enterprise legal people, has a very wide application range, and covers the aspects of enterprises, families and personal life.
At present, in the electronic reformation process of financial bills, manual bills and limit rate bills are cancelled, so that non-tax income on-site collection and payment are difficult, problems of vacuum business management, implementation work blockage in related business fields and the like occur, and timely, full and safe payment of financial funds cannot be ensured. Therefore, a standard, safe, efficient and convenient non-tax income and payment method is urgently needed to be provided. The defects that manual bills are gradually cancelled and the requirement of quota bills is strictly limited after electronic reform of financial bills is actively coped with are avoided.
Disclosure of Invention
The invention mainly aims to provide a financial non-tax fund payment system which can ensure timely, full and safe payment of financial funds and solve the problems of difficult non-tax fund payment and low efficiency.
In order to achieve the aim, the invention provides a financial non-tax fund payment system and a method, which comprises a server and a database, wherein the server comprises the following modules:
a user management module: the system is used for setting a login mode of a user for logging in a financial non-tax fund payment system and carrying out identity authentication on the login of the user;
the collection and payment management module: the system is used for carrying out fund clearing of non-tax income according to the identity of the user after the identity verification is passed, and generating a payment order;
an order management module: the payment management system is used for performing type-based management on all payment orders, and the payment orders are divided into payment orders and non-payment orders;
the bill checking module: the system is used for acquiring the financial bill number of the payment order subjected to the type management, retrieving the payment information corresponding to the financial bill number from the database and feeding back the bill state to the inspector.
The working principle and the advantages of the invention are as follows:
1. the user management module and the payment and receipt management module are arranged, so that the identities of both the payment and receipt party can be verified when the user pays the payment order, and the financial fund is guaranteed to be correctly paid. And the traditional non-tax fund payment process is simplified, and the problem of difficulty in non-tax income on-site payment caused by canceling manual bills and limiting quota bills in the electronic financial bill reformation process is avoided.
2. The order management module can carry out type-based management on the payment orders, orderly arrange the payment orders and provide standard services. The bill checking module can feed back the bill state to the checker, so that the checker can judge the authenticity, and the credibility of non-tax transaction is improved.
Further, the login mode comprises login of a receiving unit and login of a natural person, and the user management module specifically comprises the following modules:
a receiving unit login module: the system comprises a receiving unit, a central processing unit (CA) authentication mechanism and a PSAM card number checking unit, wherein the receiving unit is used for logging in through a special handheld device and adopting the CA authentication mechanism and verifying the PSAM card number of the handheld device when logging in;
the natural person login module: the method is used for logging in by natural people through the intelligent device.
The butt joint between the receiving unit and the natural person is facilitated, and the payment difficulty of the natural person is reduced.
Further, the collection management module further comprises the following modules:
the actual service payment module: the system is used for acquiring the actual business of the natural person and generating a payment order of the natural person;
a special service payment module: the system is used for acquiring the special project payment service of the natural person and generating a payment order of the natural person;
payment confirmation module: the payment module is used for acquiring the payment mode selected by the natural person after the natural person confirms the payment information of the payment order, selecting the payment module configured by the handheld device of the receiving unit according to the payment mode, and initiating payment deduction of the payment order to the natural person.
Through the classification of the payment orders and the confirmation of the payment orders, the non-tax services of different types can be conveniently managed in a targeted manner, and the payment of the payment orders by natural people is facilitated.
Further, the collection management module further comprises the following modules:
a payment judging module: used for judging or inquiring whether the payment deduction of the payment order is successful or not;
a receipt module: the payment receipt printing device is used for printing a payment receipt after payment deduction is successful and recording detailed payment information on the payment receipt;
a prompt module: and the payment system is used for sending payment failure prompt information to the natural person after payment deduction fails.
The payment completion efficiency of the payment order can be improved.
Further, the collection management module further comprises the following modules:
payment checking module: the payment system is used for checking the last transaction result of the payment order when payment transaction is initiated each time, and stopping payment if the payment success of the order is inquired;
a compensation module: and the payment server is used for initiating the deduction transaction again when the payment order on the non-current working day is inquired and the payment time limit corresponding to the payment order belongs to the non-payment order which is not overdue, and sending the payment supplementing prompt information of the non-payment order to the natural person.
Repeated payment of the payment order by a natural person can be avoided through checking the payment order, and the payment of the payment order can be avoided from being forgotten by the natural person through inquiring and informing the unpaid payment order.
The invention also aims to provide a financial non-tax fund payment method, and the system based on the method comprises the following steps:
user management step: setting a login mode of a user for logging in a financial non-tax fund payment system, and performing identity authentication on the login of the user;
a payment management step: after the identity authentication is passed, carrying out fund clearing of non-tax income according to the identity of the user to generate a payment order;
order management step: performing type-based management on all payment orders, and classifying the payment orders into payment orders and non-payment orders;
checking the bill: and acquiring the financial bill number of the payment order subjected to the type management, retrieving the payment information corresponding to the financial bill number from the database, and feeding back the bill state to the inspector.
The working principle and the advantages of the invention are as follows:
1. the user management step and the collection and payment management step are arranged, so that the identities of the collection and payment parties can be verified when the user pays the payment order, and the financial fund is guaranteed to be correctly paid. And the traditional non-tax fund payment process is simplified, and the problem of difficulty in non-tax income on-site payment caused by canceling manual bills and limiting quota bills in the electronic financial bill reformation process is avoided.
2. The order management step is arranged, so that the payment orders can be managed in different types, the payment orders are orderly organized, and standard services are provided. The bill checking step can feed back the bill state to the checker, so that the checker can judge the authenticity, and the credibility of non-tax transaction is improved.
Further, the login mode comprises login of a receiving unit and login of a natural person, and the user management step specifically comprises the following steps:
a step of registering a receiving unit: the receiving unit logs in through the special handheld device and by adopting a CA authentication mechanism, and checks the PSAM card number of the handheld device when logging in;
a natural person login step: the natural person logs in through the intelligent device.
The butt joint between the receiving unit and the natural person is facilitated, and the payment difficulty of the natural person is reduced.
Further, the step of collecting and managing comprises the following steps:
and (3) actual service payment step: acquiring actual business of a natural person, and generating a payment order of the natural person;
paying for the special service: acquiring a special project payment service of a natural person, and generating a payment order of the natural person;
payment confirmation: and after the natural person confirms the payment information of the payment order, acquiring the payment mode which is surely selected by the natural person, selecting a payment component configured on the handheld equipment of the receiving unit according to the payment mode, and initiating payment deduction of the payment order to the natural person.
Through the classification of the payment orders and the confirmation of the payment orders, the non-tax services of different types can be conveniently managed in a targeted manner, and the payment of the payment orders by natural people is facilitated.
Further, the step of collecting and managing comprises the following steps:
a payment judging step: judging or inquiring whether the payment deduction of the payment order is successful or not;
and (3) a return step: after the payment deduction is successful, printing a payment receipt, and recording detailed payment information on the payment receipt;
a prompting step: and after the payment deduction fails, sending a payment failure prompt message to the natural person.
The payment completion efficiency of the payment order can be improved.
Further, the step of collecting and managing comprises the following steps:
payment checking: checking the last transaction result of the payment order when the payment transaction is initiated each time, and stopping payment if the payment of the order is successfully inquired;
a step of additional payment: and when the payment order on the non-current working day is inquired and the payment time limit corresponding to the payment order belongs to the non-payment order which is not overdue, initiating the payment transaction again and sending the payment supplementing prompt information of the non-payment order to the natural person.
Repeated payment of the payment order by a natural person can be avoided through checking the payment order, and the payment of the payment order can be avoided from being forgotten by the natural person through inquiring and informing the unpaid payment order.
Further, the step of collecting and managing comprises the following steps:
an independent payment step: the two-dimensional code collection system is used for acquiring the two-dimensional code collection of the receipt unit and sending the two-dimensional code collection to a natural person.
The system can facilitate the independent payment of natural people, and the payment is more free.
Drawings
FIG. 1 is a logic block diagram of a financial non-tax fund payment system according to an embodiment of the present invention;
FIG. 2 is a flow chart of a financial non-tax fund payment method according to an embodiment of the present invention.
Detailed Description
The following is further detailed by way of specific embodiments:
the first embodiment is as follows:
a financial non-tax fund payment system, substantially as shown in figure 1, wherein the server comprises a database storing payment information and payment orders of financial instruments, and the server further comprises the following five modules: the system comprises a user management module, a payment management module, an order management module, a bill checking module and a log file recording module.
A user management module: the system is used for setting a login mode of a user for logging in a financial non-tax fund payment system and carrying out identity authentication on the login of the user;
the login mode comprises login of a receiving unit and login of a natural person, and the user management module specifically comprises the following three modules:
(1) a receiving unit login module: the system comprises a receiving unit, a central processing unit (CA) authentication mechanism and a PSAM card number checking unit, wherein the receiving unit is used for logging in through a special handheld device and adopting the CA authentication mechanism and verifying the PSAM card number of the handheld device when logging in;
(2) the natural person login module: the method is used for logging in by natural people through the intelligent device. The handheld device is a POS machine, and the intelligent device is an intelligent mobile phone.
(3) A terminal management module: the system is used for managing the user information of the POS machine and the natural person; the method specifically comprises the following four sub-modules:
the natural person management submodule comprises: for managing user information of a natural person,
and a unit personnel management submodule: the information management system is used for managing the information of the personnel holding the POS machine of the corresponding receiving unit, namely managing the operating personnel of the POS machine;
a terminal equipment management submodule: the POS machine is used for managing the use and addition of the POS machine of the receiving unit;
the management submodule of the opening unit: the method is used for adding and managing the opening units.
The collection and payment management module: the system is used for carrying out fund clearing of non-tax income according to the identity of the user after the identity verification is passed, and generating a payment order;
the collection management module comprises the following three modules:
(1) the actual service payment module: the system is used for acquiring the actual business of the natural person, positioning the collection unit and the collection account of the collection unit, and generating a payment order of the natural person according to the actual business, the collection unit and the collection account;
(2) a special service payment module: the system is used for acquiring the special project payment service of the natural person, scanning or inputting the payment book number of the special project payment service through the handheld device, acquiring the payment amount, the receipt unit and the collection account of the receipt unit of the special project payment service, and generating a payment order of the natural person according to the payment amount, the receipt unit and the collection account;
(3) payment confirmation module: the payment module is used for acquiring the payment mode surely selected by the natural person after the natural person confirms the payment information of the payment order, selecting the payment module configured by the handheld device of the receiving unit according to the payment mode, and initiating payment deduction of the payment order to the natural person.
The payment mode comprises card swiping payment, WeChat payment and Payment Pa;
the payment assembly comprises a financial POS machine and a two-dimensional code identification unit;
the payment book number comprises a public security traffic violation punishment decision number, a court delivery litigation cost notice number and a special external system cost notice number;
the collection and payment management module further comprises the following five modules:
(1) a payment judging module: used for judging or inquiring whether the payment deduction of the payment order is successful or not;
(2) a receipt module: the payment receipt printing device is used for printing a payment receipt after payment deduction is successful and recording detailed payment information on the payment receipt; the detailed information comprises information of an acquirer, an issuer, a clearing institution, a printing payment platform (such as WeChat payment), an electronic payment number, a code of a receipt unit, a name of the receipt unit, an operator, a party, a financial institution for collecting money, a bank for collecting money and the like, and an issuing unit, a trading method, a detailed address and a contact telephone for noting a formal receipt.
(3) A prompt module: and the payment failure prompt message is used for sending payment failure prompt messages to the natural person after payment deduction fails, and the prompt messages include prompts that the natural person does not support the payment mode and prompts that the natural person reselects the payment mode for payment.
(4) Payment checking module: the payment system is used for checking the last transaction result of the payment order when payment transaction is initiated each time, and stopping payment if the payment success of the order is inquired;
(5) a compensation module: the payment reminding system is used for inquiring the payment orders not on the current working day, initiating the payment transaction again when the payment time limit corresponding to the payment orders belongs to the non-payment orders which are not overdue, and sending the payment supplementing reminding information of the non-payment orders to the natural person, wherein the payment supplementing reminding information is used for informing the natural person to perform payment supplementing according to the existing payment mode.
An order management module: the payment management system is used for performing type-based management on all payment orders, and the payment orders are divided into payment orders and non-payment orders;
still be used for including the inquiry of single payment, many orders of paying, specifically include the following module:
(1) a single-stroke query module: the payment order inquiry system is used for inquiring the payment order initiated by the terminal through an electronic payment number or an order number (scanning a two-dimensional code or manually inputting).
(2) A fuzzy query module: and the system is used for setting query conditions and querying payment orders meeting the query conditions from the database according to the query conditions. The inquiry conditions mainly comprise order date, party, amount, payment platform and payment state.
The fuzzy inquiry result mainly comprises an order number, a payment state, a payment platform retrieval number, a party name, an amount, a payment bank, payment account information and the like, and information such as an accumulated order number, an accumulated order amount and the like is displayed at the same time.
The bill checking module: the system is used for acquiring the financial bill number of the payment order, retrieving the payment information corresponding to the financial bill number from the database, and feeding back the bill state to the inspector for the inspector to judge the authenticity.
The ways of checking the ticket include a scanning check and a manual check. The system specifically comprises the following three modules:
(1) the scanning checking module: the bill verification system is used for checking bills to judge the authenticity of the bills and checking bill information by scanning the bill two-dimensional code;
(2) the manual checking module: the system is used for checking the bill by inputting the bill number, judging the authenticity of the bill and checking the bill information by a user;
(3) the checking and recording module: for viewing the user's ticket inspection history. And simultaneously, during the examination, individuals and receiving units are distinguished, wherein the individual and receiving unit user examination needs registration and login.
A log file recording module: the system is used for recording all payment transaction processes and saving the transaction processes as log files in an order form.
A financial non-tax fund payment method is based on the system, as shown in FIG. 2, and specifically comprises the following steps:
user management step: setting a login mode of a user for logging in a financial non-tax fund payment system, and performing identity authentication on the login of the user; the login mode comprises login of a receiving unit and login of a natural person, wherein the receiving unit logs in through a special handheld device and a CA authentication mechanism, and verifies the PSAM card number of the handheld device during login; the natural person logs in through the intelligent device.
A payment management step: after the identity authentication is passed, carrying out fund clearing of non-tax income according to the identity of the user to generate a payment order;
the step of receiving and paying management specifically comprises the following steps:
(1) and (3) actual service payment step: acquiring actual business of a natural person, and generating a payment order of the natural person;
(2) paying for the special service: acquiring a special project payment service of a natural person, and generating a payment order of the natural person;
(3) payment confirmation: and after the natural person confirms the payment information of the payment order, acquiring the payment mode which is surely selected by the natural person, selecting a payment component configured on the handheld equipment of the receiving unit according to the payment mode, and initiating payment deduction of the payment order to the natural person.
(4) An independent payment step: the system comprises a receiving unit, a receiving two-dimension code acquiring unit and a receiving two-dimension code transmitting unit, wherein the receiving two-dimension code acquiring unit is used for acquiring a receiving two-dimension code of a receiving unit and transmitting the receiving two-dimension code to a natural person; the code scanning payment of paying orders is carried out through intelligent equipment for natural people, and the two-dimensional code of the payment platform is adopted as the two-dimensional code of the collection two-dimensional code, so that the code scanning payment can be used for the two-dimensional code of WeChat and Payment treasured.
(5) A payment judging step: judging or inquiring whether the payment deduction of the payment order is successful or not;
(6) and (3) a return step: after the payment deduction is successful, printing a payment receipt, and recording detailed payment information on the payment receipt;
(7) a prompting step: and after the payment deduction fails, sending a payment failure prompt message to the natural person. The prompt information includes prompting the natural person not to support the payment mode and prompting the natural person to reselect the payment mode for payment.
(8) Payment checking: checking the last transaction result of the payment order when the payment transaction is initiated each time, and stopping payment if the payment of the order is successfully inquired;
(9) a step of additional payment: and when the payment order on the non-current working day is inquired and the payment time limit corresponding to the payment order belongs to the non-overdue payment order, initiating the payment transaction again, sending the payment supplementing prompt information of the non-payment order to the natural person, wherein the payment supplementing prompt information is used for informing the natural person to perform payment supplementing according to the existing payment mode.
Order management step: performing type-based management on all payment orders, and classifying the payment orders into payment orders and non-payment orders;
the method is also used for inquiring single payment and multiple payment orders, and specifically comprises the following two steps:
(1) a single query step: and inquiring the payment order initiated by the terminal through an electronic payment number or an order number (scanning a two-dimensional code or manually inputting).
(2) Fuzzy query step: and setting query conditions, and querying payment orders meeting the query conditions from the database according to the query conditions. The inquiry conditions mainly comprise order date, party, amount, payment platform and payment state.
The fuzzy inquiry result mainly comprises an order number, a payment state, a payment platform retrieval number, a party name, an amount, a payment bank, payment account information and the like, and information such as an accumulated order number, an accumulated order amount and the like is displayed at the same time.
Checking the bill: and acquiring the financial bill number of the payment order, retrieving the payment information corresponding to the financial bill number from the database, and feeding back the bill state to the inspector so that the inspector can judge the authenticity.
The ways of checking the ticket include a scanning check and a manual check. The method specifically comprises the following three steps:
(1) scanning and checking: enabling a receiving unit to scan the two-dimensional code of the bill through the handheld device to check the bill to judge whether the bill is true or false, and checking the bill information; examination feedback form: marking the bill receiving unit and the states of voiding, normal use and unused 3 bills. The date of the invalidation is noted; unused, note the specific stock keeping unit that the note is located; and in normal use, information such as an issuing unit, an issuing date, a payment date, a party, a payment item, an amount, a collection financial institution, a collection bank, a collection account number, a bill face information check code and the like is noted, so that an inspector can judge authenticity by comparing paper bill information.
(2) A manual checking step: a user manually inputs a bill number through intelligent equipment to check whether the bill is true or false and check bill information; the checking feedback form is the same as that of the hand-held device, and a contact telephone for reporting and answering is added, and the source is the billing unit registered by the checked bill issuing unit for replacing the formal receipt, the detailed address and the contact telephone thereof.
(3) Checking and recording: and checking the bill inspection history of the user.
The specific implementation process is as follows:
the user management module/step and the payment management module/step can verify the identities of both the payment and receipt parties when the user pays the payment order, and ensure timely, full and safe payment of financial funds. And the traditional non-tax fund payment process is simplified, and the problem of difficulty in non-tax income on-site payment caused by canceling manual bills and limiting quota bills in the electronic financial bill reformation process is avoided.
The order management module/step can perform type-based management on payment orders, orderly arrange the payment orders and provide standard services. The bill checking module/step can feed back the bill state to the checker, so that the checker can judge the authenticity, and the credibility of non-tax transaction is improved. The scheme provides a standard, safe, efficient and convenient non-tax income and payment mode. The defects that manual bills are gradually cancelled and the requirement of quota bills is strictly limited after electronic reform of financial bills is actively coped with are avoided.
Example two:
the difference between the second embodiment and the first embodiment is that the financial non-tax fund payment system further comprises an electronic invoice reimbursement management module, wherein the electronic invoice reimbursement management module is used for managing reimbursement of the electronic invoice, and specifically comprises the following sub-modules:
and an invoice lottery sub-module: the method comprises the steps of setting a time period for lottery drawing of the invoice, acquiring users (users are holders or holding units of the invoice) who need to participate in the lottery drawing and meet lottery drawing conditions in the time period, and drawing the lottery according to invoice information of the users; the condition for participating in the lottery is that the users need to report the invoices in batches.
An invoice counting submodule: the system is used for respectively counting the total amount, the number and the invoicing time of invoices of users participating in the lottery drawing; the system is also used for counting users who are to participate in the lottery and meet the lottery drawing condition in a time period;
a probability calculation submodule: the system is used for carrying out weighted calculation on the total amount, the number and the invoicing time of the invoice according to the weight preset in the database to obtain the lottery probability of a user to which the invoice belongs;
a comparative analysis submodule: the lottery drawing probability calculation sub-module is used for calculating the lottery drawing probability of the user according to the lottery drawing probability set by the user;
lottery drawing reminding module: and the reminding information is sent to the user when the calculated lottery probability is smaller than the set reminding probability. Reminding the user that the current lottery probability is too low, and the invoice for reimbursement is not recommended to participate in the lottery;
if the user chooses not to participate in lottery drawing and not to reimburse the invoice, the invoice counting module records the invoice and provides corresponding probability improvement when the invoice is lottery drawn next time, and the invoice counting module is also used for accumulating the total amount and the number of the invoice of the user, so that the invoice can be conveniently reimbursed in batches at one time and the lottery drawing probability can be improved.
The financial non-tax fund payment method further comprises the following steps in the reimbursement process of the electronic invoice:
and (3) invoice lottery drawing step: setting a lottery drawing time period of the invoice, acquiring a user (a user is a holder or a holding unit of the invoice) who needs to participate in lottery drawing and meets lottery drawing conditions in the time period, and drawing lottery according to invoice information of the user; the condition for participating in the lottery is that the users need to report the invoices in batches.
Invoice counting: respectively counting the total amount, the number and the invoicing time of the invoices of the users participating in the lottery drawing; the system is also used for counting users who are to participate in the lottery and meet the lottery drawing condition in a time period;
a probability calculation substep: carrying out weighted calculation on the total amount, the quantity and the invoicing time of the invoice according to the weight preset in the database to obtain the lottery probability of the user to which the invoice belongs;
lottery drawing reminding step: and sending reminding information to the user when the calculated lottery probability is smaller than the set prompting probability. Reminding the user that the current lottery probability is too low, and the invoice for reimbursement is not recommended to participate in the lottery;
if the user chooses not to participate in the lottery and not to reimburse the invoices, the invoice counting module records the invoice and provides corresponding probability improvement when the next invoice lottery is drawn, the total amount and the quantity of the invoices of the user can be accumulated in the invoice counting step, the invoices can be conveniently reimbursed in batches at one time subsequently, and the lottery drawing probability is improved.
The specific implementation process is as follows:
in this embodiment, the user may accumulate the invoices and perform batch reimbursement of the invoices to meet the invoice drawing conditions, and perform weighted calculation on the total amount, the number, and the invoicing time according to the preset weight to obtain the drawing probability, where the total amount of the invoices is large, the number of the invoices is large, and the drawing probability is larger when the invoicing time is early (in the validity period). The lottery probability of this time is less than the suggestion probability, and the suggestion user does not participate in this time, continues to accumulate the invoice that will reimburse and participates in the lottery next time, through this kind of mode, can let the invoice carry out batch centralized processing, improves the reimbursement efficiency of invoice. The cost of reimbursement is saved.
The foregoing is merely an example of the present invention, and common general knowledge in the field of known specific structures and characteristics is not described herein in any greater extent than that known in the art at the filing date or prior to the priority date of the application, so that those skilled in the art can now appreciate that all of the above-described techniques in this field and have the ability to apply routine experimentation before this date can be combined with one or more of the present teachings to complete and implement the present invention, and that certain typical known structures or known methods do not pose any impediments to the implementation of the present invention by those skilled in the art. It should be noted that, for those skilled in the art, without departing from the structure of the present invention, several changes and modifications can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicability of the patent. The scope of the claims of the present application shall be determined by the contents of the claims, and the description of the embodiments and the like in the specification shall be used to explain the contents of the claims.
Claims (10)
1. A financial non-tax fund payment system is characterized in that: the financial bill collection and payment system comprises a server, wherein the server comprises a collection and payment information database storing financial bills and the following modules:
a user management module: the system is used for setting a login mode of a user and carrying out identity authentication on the login of the user;
the collection and payment management module: the system is used for carrying out fund clearing of non-tax income according to the identity of the user after the identity verification is passed, and generating a payment order;
an order management module: the payment management system is used for performing type-based management on all payment orders, and the payment orders are divided into payment orders and non-payment orders;
the bill checking module: the system is used for acquiring the financial bill number of the payment order subjected to the type management, retrieving the payment information corresponding to the financial bill number from the database and feeding back the bill state to the inspector.
2. The financial non-tax fund payment system according to claim 1, wherein: the login mode comprises login of a receiving unit and login of a natural person, and the user management module specifically comprises the following modules:
a receiving unit login module: the system comprises a receiving unit, a central processing unit (CA) authentication mechanism and a PSAM card number checking unit, wherein the receiving unit is used for logging in through a special handheld device and adopting the CA authentication mechanism and verifying the PSAM card number of the handheld device when logging in;
the natural person login module: the method is used for logging in by natural people through the intelligent device.
3. The financial non-tax fund payment system according to claim 2, wherein: the collection management module further comprises the following modules:
the actual service payment module: the system is used for acquiring the actual business of the natural person and generating a payment order of the natural person;
a special service payment module: the system is used for acquiring the special project payment service of the natural person and generating a payment order of the natural person;
payment confirmation module: the payment module is used for acquiring the payment mode selected by the natural person after the natural person confirms the payment information of the payment order, selecting the payment module configured by the handheld device of the receiving unit according to the payment mode, and initiating payment deduction of the payment order to the natural person.
4. The financial non-tax fund payment system according to claim 3, wherein: the collection management module further comprises the following modules:
a payment judging module: used for judging or inquiring whether the payment deduction of the payment order is successful or not;
a receipt module: the payment receipt printing device is used for printing a payment receipt after payment deduction is successful and recording detailed payment information on the payment receipt;
a prompt module: and the payment system is used for sending payment failure prompt information to the natural person after payment deduction fails.
5. The financial non-tax fund payment system according to claim 4, wherein: the collection management module further comprises the following modules:
payment checking module: the payment system is used for checking the last transaction result of the payment order when payment transaction is initiated each time, and stopping payment if the payment success of the order is inquired;
a compensation module: and the payment server is used for initiating the deduction transaction again when the payment order on the non-current working day is inquired and the payment time limit corresponding to the payment order belongs to the non-payment order which is not overdue, and sending the payment supplementing prompt information of the non-payment order to the natural person.
6. A financial non-tax fund payment method is characterized in that: the method comprises the following steps:
user management step: setting a login mode of a user for logging in a financial non-tax fund payment system, and performing identity authentication on the login of the user;
a payment management step: after the identity authentication is passed, carrying out fund clearing of non-tax income according to the identity of the user to generate a payment order;
order management step: performing type-based management on all payment orders, and classifying the payment orders into payment orders and non-payment orders;
checking the bill: and acquiring the financial bill number of the payment order subjected to the type management, retrieving the payment information corresponding to the financial bill number from the database, and feeding back the bill state to the inspector.
7. The financial non-tax fund payment method according to claim 6, wherein: the step of receiving and paying management further comprises the following steps:
and (3) actual service payment step: acquiring actual business of a natural person, and generating a payment order of the natural person;
paying for the special service: acquiring a special project payment service of a natural person, and generating a payment order of the natural person;
payment confirmation: and after the natural person confirms the payment information of the payment order, acquiring the payment mode which is surely selected by the natural person, selecting a payment component configured on the handheld equipment of the receiving unit according to the payment mode, and initiating payment deduction of the payment order to the natural person.
8. The financial non-tax fund payment method according to claim 7, wherein: the step of receiving and paying management further comprises the following steps:
a payment judging step: judging or inquiring whether the payment deduction of the payment order is successful or not;
and (3) a return step: after the payment deduction is successful, printing a payment receipt, and recording detailed payment information on the payment receipt;
a prompting step: and after the payment deduction fails, sending a payment failure prompt message to the natural person.
9. The financial non-tax fund payment method according to claim 8, wherein: the step of receiving and paying management further comprises the following steps:
payment checking: checking the last transaction result of the payment order when the payment transaction is initiated each time, and stopping payment if the payment of the order is successfully inquired;
a step of additional payment: and when the payment order on the non-current working day is inquired and the payment time limit corresponding to the payment order belongs to the non-payment order which is not overdue, initiating the payment transaction again and sending the payment supplementing prompt information of the non-payment order to the natural person.
10. The financial non-tax fund payment method according to claim 7, wherein: the step of receiving and paying management further comprises the following steps:
an independent payment step: the two-dimensional code collection system is used for acquiring the two-dimensional code collection of the receipt unit and sending the two-dimensional code collection to a natural person.
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