WO2019019748A1 - 年金业务处理方法、系统、服务器和存储介质 - Google Patents

年金业务处理方法、系统、服务器和存储介质 Download PDF

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Publication number
WO2019019748A1
WO2019019748A1 PCT/CN2018/085005 CN2018085005W WO2019019748A1 WO 2019019748 A1 WO2019019748 A1 WO 2019019748A1 CN 2018085005 W CN2018085005 W CN 2018085005W WO 2019019748 A1 WO2019019748 A1 WO 2019019748A1
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Prior art keywords
employee
annuity
file
information
terminal
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PCT/CN2018/085005
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English (en)
French (fr)
Inventor
黄海亮
杜一洋
罗佳
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平安科技（深圳）有限公司
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Publication of WO2019019748A1 publication Critical patent/WO2019019748A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present application relates to an annuity business processing method, system, server and storage medium.
  • the annuity refers to the supplementary pension insurance that the enterprise and its employees voluntarily establish on the basis of participating in the basic endowment insurance according to law.
  • An annuity is a better investment arrangement, and more and more employees choose to participate in the company's annuity plan.
  • the inventor realized that in the traditional way, enterprises and employees can only use the offline communication method to handle the annuity business. If more employees participate in the enterprise annuity, it will bring a large workload to the enterprise management personnel.
  • an annuity business processing method system, server, and storage medium are provided.
  • An annuity business processing method including:
  • confirmation information passes the verification, the confirmation information is counted, and the employee annuity participation statistical result is obtained;
  • the employee annuity participation statistical result is returned to the enterprise terminal, so that the enterprise terminal pays an annuity payment to the employee participating in the annuity plan.
  • An annuity business processing system comprising:
  • the enterprise terminal is configured to send an employee participation statistical request to the server, where the employee participation statistical request carries the annuity information and the employee information;
  • a server configured to generate a first file by using the annuity information, and send the first file to a plurality of employee terminals according to the employee information;
  • the employee terminal is configured to: when the employee agrees to participate in the annuity plan within a preset time period, obtain the confirmation information corresponding to the first file entered by the employee, and send the confirmation information to the server; the server is further configured to confirm the The information is verified. If the confirmation information passes the verification, the confirmation information is counted, the employee annuity participation statistical result is obtained, and the employee annuity participation statistical result is returned to the enterprise terminal; the enterprise terminal is also used to participate in the annuity plan. The employee pays an annuity.
  • a computer device comprising a memory and one or more processors having stored therein computer readable instructions, the computer readable instructions being executable by the processor to cause the one or more processors to execute The following steps:
  • confirmation information passes the verification, the confirmation information is counted, and the employee annuity participation statistical result is obtained;
  • the employee annuity participation statistical result is returned to the enterprise terminal, so that the enterprise terminal pays an annuity payment to the employee participating in the annuity plan.
  • One or more non-volatile storage media storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the following steps:
  • confirmation information passes the verification, the confirmation information is counted, and the employee annuity participation statistical result is obtained;
  • the employee annuity participation statistical result is returned to the enterprise terminal, so that the enterprise terminal pays an annuity payment to the employee participating in the annuity plan.
  • FIG. 1 is a diagram of an application environment of an annuity business processing method in accordance with one or more embodiments.
  • FIG. 2 is a flow diagram of an annuity business processing method in accordance with one or more embodiments.
  • FIG. 3 is a schematic structural diagram of an annuity business processing apparatus according to one or more embodiments.
  • FIG. 4 is a block diagram of a server in accordance with one or more embodiments.
  • first may be referred to as a second client
  • second client may be referred to as a first client, without departing from the scope of the present application.
  • Both the first client and the second client are clients, but they are not the same client.
  • the annuity business processing method provided in the embodiment of the present application can be applied to an application environment as shown in FIG. 1.
  • a plurality of enterprise terminals 102 are connected to the server 104 via a network.
  • a plurality of employee terminals 106 are connected to the server 104 via a network.
  • the enterprise manager can initiate an annuity service request to the server 104 through the enterprise terminal 102.
  • Different types of business, annuity business requests are also different. For example, when an enterprise handles an employee's participation in the statistical business, the enterprise management personnel initiates an employee participation statistical request to the server 104 through the enterprise terminal 102.
  • Employee participation statistics requests carry annuity information and employee information.
  • the server 104 generates the first file by using the annuity information, acquires the contact information of the plurality of employees according to the employee information, and transmits the first file to the plurality of employee terminals 106 according to the contact information of the employee.
  • the employee may return the confirmation information corresponding to the first file to the server 104 through the employee terminal 106.
  • the confirmation information may be a digital signature, a fingerprint information or a face image, or may be an answer to a random question.
  • the random problem is that the server 104 randomly generates according to the first file and has a corresponding preset answer.
  • the server 104 verifies the confirmation information.
  • the server 104 counts the confirmation information to obtain the employee annuity participation statistical result.
  • the employee annuity participation statistics include a list of employees who have participated in the annuity plan, along with the first file and corresponding confirmation information.
  • the server 104 returns the employee annuity participation statistical result to the enterprise terminal 102.
  • the enterprise manager can pay an annuity to the employee who confirms the participation in the annuity plan through the enterprise terminal 102.
  • the process of processing the annuity business described above is completed by the interaction between the enterprise terminal 102, the server 104, and the employee terminal 106.
  • the server 104 generates a first file according to the annuity transfer request sent by the enterprise terminal 102, and receives the first file returned by the employee terminal 106.
  • Confirming the information and verifying the confirmation information can improve the security of employee participation statistics, and can reduce the cumbersomeness of the enterprise management personnel to manually verify the confirmation information; when the verification passes, the server 104 counts the confirmation information, and the statistical result is obtained.
  • Returning to the enterprise terminal 102 can reduce the cumbersomeness of the enterprise management personnel to manually verify the employees participating in the annuity plan, thereby effectively reducing the workload of the enterprise management personnel in handling the annuity business.
  • an annuity service processing method is provided, which is applied to the server as an example, and specifically includes the following steps:
  • Step 202 Receive an employee participation statistical request sent by the enterprise terminal, and the employee participation statistical request carries the annuity information and the employee information.
  • an enterprise chooses to participate in an annuity plan
  • multiple companies can participate in the same annuity plan.
  • Multiple companies participating in the same annuity plan can come from the same group or from different groups.
  • Each annuity plan has a corresponding annuity plan. After participating in the annuity plan, each company needs to count the employees' participation in the company's annuity plan, and pay an annuity payment to the employees who choose to participate in the company's annuity plan.
  • the following is an example of one of the companies.
  • employee participation statistics requests carry annuity information and employee information.
  • Annuity information includes annuity plan and annuity knowledge.
  • Employee information includes basic information about multiple employees, such as employee name, gender, contact number, e-mail address, document type, and ID number.
  • Employee participation in statistical requests can also carry other information, such as a preset time period. The preset time period refers to the effective processing time interval for employees to participate in the statistical business.
  • Step 204 Generate an first file by using the annuity information, and send the first file to the plurality of employee terminals according to the employee information.
  • the server generates an first file using the annuity information.
  • the first document is a document that employees need to confirm when they choose to participate in an annuity plan.
  • the server sends the first file and the corresponding annuity information to multiple employee terminals based on the employee information (contact phone number or email address). Employees can understand the annuity knowledge and annuity plan through the employee terminal to determine whether to participate in the company's annuity plan.
  • Step 206 When the employee agrees to participate in the annuity plan within the preset time period, receiving the confirmation information corresponding to the first file returned by the employee terminal, and verifying the confirmation information. If the confirmation information passes the verification, step 208 is performed; otherwise, the first file is confirmed to be confirmed.
  • the employee When the employee selects the annuity plan of the participating company within the preset time period, the employee downloads the first file through the employee terminal, and inputs the confirmation information corresponding to the first file.
  • the employee terminal sends a confirmation message to the server.
  • the server verifies the confirmation information according to the preset verification rule.
  • the confirmation information may include a digital signature, fingerprint information, a face image, or an answer to a random question.
  • the random problem is randomly generated by the server according to the first file and has a corresponding default answer.
  • the first file has a corresponding random problem
  • the step of verifying the confirmation information includes: if the confirmation information includes the digital signature and the answer to the random question, obtaining the pre-stored signature handwriting corresponding to the employee, The digital signature signature handwriting is matched with the pre-stored signature handwriting; if the matching degree reaches the first matching threshold, and the answer of the random question is consistent with the preset answer, the verification passes.
  • the server generates one or more random questions based on the first file. For example, please enter your ID number, etc. Each random question has a corresponding default answer.
  • the employee selects the participating annuity plan within the preset time period, the employee adds a digital signature to the first file through the employee terminal to answer the random question corresponding to the first file.
  • the employee terminal sends the digital signature and the answer to the random question to the server.
  • the server pre-stores the signature handwriting of multiple employees.
  • the server obtains the pre-stored signature handwriting corresponding to the employee, matches the signature signature of the digital signature with the pre-stored signature handwriting, and calculates a corresponding matching degree.
  • the server determines whether the matching degree reaches the first matching threshold. If the matching degree reaches the first matching threshold, and the answer to the random question is consistent with the preset answer, the verification is passed.
  • the first file has a corresponding random problem
  • the step of verifying the confirmation information includes: if the confirmation information includes the fingerprint information and the answer to the random question, acquiring the pre-stored fingerprint information corresponding to the employee, The fingerprint information in the confirmation information is matched with the pre-stored fingerprint information; if the matching degree reaches the second matching threshold, and the answer of the random question is consistent with the preset answer, the verification is passed.
  • the employee When the employee selects the annuity plan of the participating company within the preset time period, the employee adds the fingerprint information to the first file through the employee terminal, and answers the random question corresponding to the first file.
  • the employee terminal sends the fingerprint information and the answer to the random question to the server.
  • the server pre-stores fingerprint information of multiple employees.
  • the server obtains the pre-stored fingerprint information corresponding to the employee, matches the fingerprint information returned by the employee terminal with the pre-stored fingerprint information, and calculates a matching degree.
  • the server determines whether the matching degree reaches a second matching threshold. If the matching degree reaches the second matching threshold, and the answer to the random question is consistent with the preset answer, the verification is passed.
  • the first file has a corresponding random problem
  • the step of verifying the confirmation information includes: obtaining the face image in the employee identification document if the confirmation information includes the face image and the answer to the random question The face image in the confirmation information is matched with the pre-stored face image; if the matching degree reaches the third matching threshold, and the answer of the random question is consistent with the preset answer, the verification is passed.
  • the employee When the employee selects the annuity plan of the participating company within the preset time period, the employee enters the face image through the employee terminal and answers the random question corresponding to the first file.
  • the employee terminal sends the face image and the answer to the random question to the server.
  • the server pre-stores face images of multiple employees.
  • the server obtains a pre-stored face image corresponding to the employee, and matches the face image returned by the employee terminal with the pre-stored face image, and calculates a corresponding matching degree.
  • the server determines whether the matching degree reaches a third matching threshold. If the matching degree reaches the third matching threshold, and the answer to the random question is consistent with the preset answer, the verification is passed.
  • the first file has a corresponding random problem
  • the step of verifying the confirmation information includes: if the confirmation information includes the digital signature, the fingerprint information, and the answer to the random question, obtaining the pre-stored corresponding to the employee Signature handwriting, matching the digitally signed signature handwriting with the pre-stored signature handwriting; obtaining the pre-stored fingerprint information corresponding to the employee, matching the fingerprint information in the confirmation information with the pre-stored fingerprint information; if the digital signature signature handwriting The matching degree with the pre-stored signature handwriting reaches a first matching threshold, and the matching degree between the fingerprint information in the confirmation information and the pre-stored fingerprint information reaches a second matching threshold, and the answer of the random question is consistent with the preset answer, indicating that the school Passed the test.
  • the first file has a corresponding random problem
  • the step of verifying the confirmation information includes: if the confirmation information includes a digital signature, a face image, and an answer to the random question, obtaining the pre-storage corresponding to the employee Signature handwriting, matching the digital signature signature handwriting with the pre-stored signature handwriting; obtaining the face image in the employee identification document, matching the face image in the confirmation information with the pre-stored face image; if digital signature The matching degree between the signature handwriting and the pre-stored signature handwriting reaches a first matching threshold, and the matching degree between the face image in the confirmation information and the pre-stored face image reaches a third matching threshold, and the answer of the random question and the preset answer If they are consistent, the verification is passed.
  • the first file has a corresponding random problem
  • the step of verifying the confirmation information includes: if the confirmation information includes a digital signature, a fingerprint information, a face image, and an answer to a random question, obtaining an employee correspondence Pre-stored signature handwriting, matching the digitally signed signature handwriting with the pre-stored signature handwriting; obtaining the pre-stored fingerprint information corresponding to the employee, matching the fingerprint information in the confirmation information with the pre-stored fingerprint information; obtaining the employee
  • the face image in the identity document matches the face image in the confirmation message with the pre-stored face image; if the matching degree of the digitally signed signature handwriting and the pre-stored signature handwriting reaches the first matching threshold, the confirmation information is The matching degree between the fingerprint information and the pre-stored fingerprint information reaches a second matching threshold, and the matching degree between the face image and the pre-stored face image in the confirmation information reaches a third matching threshold, and the answer of the random question and the preset answer If they are consistent, the verification is passed.
  • the verification information returned by the employee terminal is verified, which can prevent others from maliciously replacing the employee to confirm the first file, improve the true validity of the employee participation statistics, and reduce the need for the enterprise management personnel to manually identify the confirmation information.
  • the cumbersomeness of authenticity can further reduce the burden on business managers to manually verify the confirmation information.
  • step 208 the confirmation information is counted, and the employee annuity participation statistical result is obtained.
  • step 210 the employee annuity participation statistical result is returned to the enterprise terminal, so that the enterprise terminal pays an annuity payment to the employee participating in the annuity plan.
  • the server performs statistics on the currently received confirmation information, and obtains the employee annuity participation statistical result.
  • the employee annuity participation statistics include a list of employees who have participated in the annuity plan, along with the first file and corresponding confirmation information. Preferably, the number of employees who have confirmed participation in the annuity plan is recorded in the employee list.
  • the server returns the employee annuity participation statistics to the enterprise terminal, which can help the enterprise management personnel to keep abreast of the employee participation.
  • the enterprise management personnel can download the first file and the corresponding confirmation information through the enterprise terminal to archive the first file and the corresponding confirmation information.
  • the enterprise management personnel pay the annuity to the employees who confirm the participating annuity plan through the enterprise terminal.
  • the enterprise management personnel may initiate an employee participation statistical request at the enterprise terminal, and the server generates a first file according to the employee participation statistical request, and sends the first file to the employee terminal, so that the employee can confirm the first file at the employee terminal.
  • Checking the confirmation information returned by the employee terminal can prevent others from maliciously confirming the first file instead of the employee, improve the security of the employee's participation in the statistics, and reduce the cumbersomeness of the manual verification of the confirmation information by the enterprise management personnel.
  • Reduce the workload of enterprise management personnel in handling annuity business; statistics on confirmation information when verification is passed, and returning statistical results to enterprise terminals, can reduce the cumbersomeness of enterprise management personnel to manually verify the employees participating in the annuity plan. It can further reduce the workload of business managers in handling annuity business.
  • the method further includes: receiving an annuity transfer request sent by the enterprise terminal, the annuity transfer retention request carrying the resigned employee information; generating a second file according to the resigned employee information, and sending the second file to the resigned employee If the employee has no objection to the second file, the employee receives the confirmation information corresponding to the second file returned by the employee terminal, and sends the second file and the corresponding confirmation information to the enterprise terminal, so that the enterprise terminal handles the employee leaving the employee. If the retired employee has objection to the content in the second file, the problem item corresponding to the second file returned by the employee terminal is received, and the problem item is sent to the enterprise terminal, so that the enterprise terminal modifies the employee information according to the problem item. ; Return to the step of receiving the annuity transfer request sent by the enterprise terminal.
  • the enterprise needs to deal with the annuity of the departing employees, such as the transfer retention process.
  • the transfer retention process refers to retaining the employee's annuity payment business in the original enterprise, and then the former employee personally bears the entire annuity that needs to be paid.
  • the original enterprise can replace the entire employee to pay the entire annuity to the insurance company.
  • the enterprise management personnel initiates an annuity transfer request to the server through the enterprise terminal.
  • the annuity transfer request carries the information of the departing employee.
  • the information of the retired employees includes basic information of a number of retired employees, such as the employee's name, gender, contact number and e-mail address, as well as the annuity payment information of a number of retired employees, such as an annuity payment account and the specific proportion of ownership.
  • the annuity payment account includes a normal contribution account and/or a corporate incentive account.
  • the server responds to the annuity transfer request, and obtains the current total amount of the annuity payment account corresponding to the plurality of resigned employees from the account management terminal according to the resigned employee information.
  • the server generates a separate second document for each departing employee based on the basic information of the departing employee and the current total amount of the annuity payment account.
  • the independent second document includes the current total amount of the annuity payment account and/or the specific proportion of ownership.
  • the annuity payment account of each resigned employee may have both a normal payment account and a corporate incentive account, or only a normal payment account but a specific proportion of ownership, or only a normal payment account and no specific attribution ratio is set, but The default attribution ratio is set.
  • the current total amount of an annuity payment account for a retired employee is 10,000 yuan
  • the specific vesting ratio is 40% vested in the enterprise
  • 60% is vested in the employee
  • 4,000 is vested in the enterprise
  • 6,000 is vested in the employee.
  • the server sends a separate second file to the employee terminal corresponding to the departing employee.
  • the server generates notification information and obtains the contact information of each employee based on the employee information. According to the obtained contact information, the server sends the notification information to the employee terminal corresponding to the departing employee, so as to prompt the departing employee to confirm the second file in time. For example, the server sends the notification information to the employee terminal corresponding to the departing employee according to the contact phone number of the departing employee. Or the server sends the notification information to the employee terminal corresponding to the departing employee according to the e-mail address of the departing employee.
  • the departing employee may return the confirmation information corresponding to the second file to the server through the employee terminal.
  • the confirmation information may be a digital signature, a fingerprint information or a face image, or may be an answer to a random question.
  • the random problem is randomly generated by the server according to the first file and has a corresponding default answer.
  • the server can verify the confirmation information returned by the employee terminal in the manner provided in the foregoing embodiment. If the confirmation information passes the verification, the server sends the second file and the corresponding confirmation information to the enterprise terminal. According to the second document and the corresponding confirmation information, the enterprise management personnel can transfer the annuity to the departing employees through the enterprise terminal.
  • the departing employee may return the problem item corresponding to the second file to the server through the employee terminal, such as “the identification number is incorrect” or “the attribution ratio is incorrect”. .
  • the employee terminal sends the problem item to the server.
  • the server sends the problem item to the enterprise terminal.
  • the enterprise management personnel can modify the information of the departing employees according to the problem item through the enterprise terminal.
  • the enterprise terminal regenerates the annuity transfer request by using the modified employee information, and sends the regenerated annuity to reservation request to the server.
  • the enterprise management personnel may initiate an annuity transfer request at the enterprise terminal, generate a second file according to the annuity transfer request, and send the second file to the employee terminal, so that the retired employee can confirm the second file at the employee terminal. Or raise an objection; when the employee has objection to the second file, the employee can send the problem item to the enterprise terminal through the employee terminal; the enterprise management personnel can re-initiate the annuity transfer request in the enterprise terminal according to the problem item, thereby ensuring The correctness of the annuity transfer request can reduce the cumbersomeness of the enterprise management personnel to manually confirm the information of the departing employees, and thus can effectively reduce the workload of the enterprise management personnel in handling the annuity business.
  • the method further includes: receiving an annuity receiving request sent by the employee terminal, the annuity receiving request carrying the receiving application information; acquiring the annuity receiving model according to the annuity receiving request; inputting the application information into the annuity receiving model, and calculating the corresponding The tax amount and the amount of the receipt; the third file is generated based on the application information and the calculated collection amount and/or tax amount; and the third file is returned to the employee terminal.
  • the employee can apply to the company for an annuity.
  • the employee can initiate an annuity request to the server through the employee terminal.
  • the server obtains the corresponding application page according to the application reason carried in the annuity collection request, and returns the application page to the employee terminal for display.
  • the employee terminal obtains the application information entered by the employee on the application page, and sends the application information to the server.
  • the application information includes receiving information.
  • the collection information includes the type of collection, the collection period, the number of collection periods and/or the amount of each period. Among them, the types of collection include regular, fixed and fixed quotas.
  • the collection cycle includes one-time collection, monthly collection, quarterly collection and annual collection.
  • the employee terminal prompts the employee to set the amount of each period.
  • the employee terminal prompts the employee to set the number of collection periods.
  • the employee terminal prompts the employee to set the number of receiving periods and the amount of each period.
  • the application information may also include other information, such as applicant information, bank information, and image information, and is not limited herein.
  • the applicant information includes the applicant's name, contact number, e-mail address and/or retirement date.
  • Bank information includes bank account name, bank account number and bank account.
  • Image information includes applicant identification and bank card.
  • the server responds to the annuity claim and obtains the account balance of the employee's corresponding annuity payment account from the account management terminal.
  • the server obtains the pre-established annuity collection model, inputs the application information and the account balance of the employee's corresponding annuity payment account into the annuity collection model, and calculates the corresponding collection amount and/or tax amount.
  • the annuity collection model is a mathematical model established by an insurance company based on a specified algorithm. Specifically, when the receiving type is a fixed amount, the server calculates the receiving period according to the receiving amount and the account balance of each period, and calculates the tax amount corresponding to the receiving amount of each period according to the preset tax calculation rule.
  • the server calculates the amount of each period based on the number of collections and the account balance.
  • the server calculates the total amount of collection according to the number of collection periods and the amount of each period, and compares whether the total amount of receipts matches the account balance. If yes, the server calculates the tax amount corresponding to the amount of each period according to the preset tax calculation rules.
  • the server generates a third file based on the application information and the calculated collection amount and/or tax amount.
  • the server returns the third file to the employee terminal so that the employee terminal can confirm the third file. If the departing employee disagrees with the content in the third document, the departing employee can send the problem item to the server through the employee terminal.
  • the server modifies the third file according to the problem item, and returns the modified third file to the employee terminal. If the departing employee has no objection to the third document, the departing employee can send an unacknowledgment result to the server through the employee terminal.
  • the server sends the confirmed third file to the enterprise terminal, so that the enterprise manager can make an annuity payment to the employee who initiates the annuity request at the enterprise terminal.
  • the employee when an employee applies for an annuity, the employee only needs to enter the application information through the employee terminal; the server establishes an annuity collection model in advance, and can input the application information into the annuity collection model, calculate the corresponding collection amount and the tax amount, and then increase the collection.
  • the calculation efficiency and correct rate of the amount and tax amount sending the calculated receiving amount and tax amount to the employee terminal, the employee can confirm the calculation result, further improving the calculation accuracy of the receiving amount and tax amount, and reducing the enterprise
  • the management personnel manually calculate the amount of the payment and the tax amount, and manually check the cumbersomeness of the calculation, which can effectively reduce the workload of the enterprise management personnel in handling the annuity business.
  • the method further includes: receiving a confirmation result of the third file by the employee terminal; if the confirmation result is accurate, the third file has been confirmed, and the third file that has been confirmed is counted; If the number of statistics of the third file that has been confirmed reaches a preset threshold, the third file is batch sent to the enterprise terminal.
  • the employee can confirm the third file through the employee terminal.
  • the employee terminal sends the confirmation result to the server. If the confirmation result is correct, the server records that the third file has been confirmed.
  • the server stores the third file that has been confirmed to the database.
  • the third file that has been confirmed may be referred to as the current third file.
  • a plurality of third files may already be stored in the database before the current third file is stored in the database.
  • the number of the third file stored in the server statistics database compares whether the statistics of the third file reaches a preset threshold. If yes, the server sends a plurality of third files stored in the database to the enterprise terminal in batches.
  • the enterprise management personnel pay an annuity payment to the employee who initiated the annuity request through the enterprise terminal.
  • the server does not immediately send the third file to the enterprise terminal after receiving the confirmation result sent by the employee terminal. Instead, the number of statistics in the third file is accumulated to a preset threshold, and a plurality of third files are sent to the enterprise terminal in batches, so that the same type of annuity receiving request for multiple employees is automatically aggregated, so that the enterprise management personnel are multiple employees. Unified handling of annuity collection business, reducing the workload of business management personnel.
  • steps in the flowchart of FIG. 2 are sequentially displayed as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Except as explicitly stated herein, the execution of these steps is not strictly limited, and the steps may be performed in other orders. Moreover, at least some of the steps in FIG. 2 may include a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be executed at different times, the execution of these sub-steps or stages The order is also not necessarily sequential, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of the other steps.
  • an annuity business processing system including: an enterprise terminal 302, a server 304, and an employee terminal 306, wherein:
  • the enterprise terminal 302 is configured to send an employee participation statistical request to the server, and the employee participation statistical request carries the annuity information and the employee information.
  • the server 304 is configured to generate the first file by using the annuity information, and send the first file to the plurality of employee terminals according to the employee information.
  • the employee terminal 306 is configured to: when the employee agrees to participate in the annuity plan within a preset time period, obtain the confirmation information corresponding to the first file entered by the employee, and send the confirmation information to the server.
  • the server 304 is further configured to check the confirmation information. If the confirmation information passes the verification, the confirmation information is counted, the employee annuity participation statistical result is obtained, and the employee annuity participation statistical result is returned to the enterprise terminal 302.
  • the enterprise terminal 302 is also used to pay an annuity payment to employees participating in the annuity plan.
  • the employee terminal 306 is further configured to send an annuity receiving request to the server, and the annuity receiving request carries the receiving application information;
  • the server 304 is further configured to obtain an annuity receiving model according to the annuity receiving request, and input the receiving application information into the annuity receiving The model calculates a corresponding tax amount and a receiving amount, generates a third file based on the application information and the calculated receiving amount and/or the tax amount, and returns the third file to the employee terminal 306.
  • the enterprise terminal 302 is further configured to send an annuity transfer request to the server, and the annuity transfer reservation request carries the resigned employee information; the server 304 generates a second file according to the resigned employee information, and sends the second file to the resignation.
  • the employee terminal 306 corresponding to the employee; the employee terminal 306 is further configured to: if the resigned employee has no objection to the second file, obtain confirmation information corresponding to the second file entered by the employee, and send the confirmation information to the server 304; the server 304 is further used to The second file and the corresponding confirmation information are sent to the enterprise terminal 302.
  • the enterprise terminal 302 is further configured to perform an annuity transfer reservation on the retired employee according to the second file and the corresponding confirmation information; the employee terminal 306 is further configured to: The content has objection, the problem item corresponding to the second file entered by the employee is obtained, and the problem item is sent to the server 304; the server 304 is further configured to send the problem item to the enterprise terminal 302; the enterprise terminal 302 is further configured to modify the employee who is leaving the employee according to the problem item. Information, using the revised information of the resigned employee to re-alarm to transfer the reservation request.
  • a server is provided, as shown in FIG. 4, which includes a processor, memory, and network interface connected by a system bus.
  • the processor of the server is used to provide computing and control capabilities.
  • the memory of the server includes a non-volatile storage medium and an internal memory.
  • the non-volatile storage medium of the server stores an operating system, computer readable instructions, and a database, the computer readable instructions being executed by the processor to implement an annuity business processing method.
  • the internal memory of the server provides an environment for the operation of operating systems and computer readable instructions in a non-volatile storage medium.
  • the network interface of the server is used for communicating with an external terminal through a network connection, for example, receiving annuity information and employee information sent by the terminal.
  • FIG. 4 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the server to which the solution of the present application is applied.
  • the specific server may include a ratio. More or fewer components are shown in the figures, or some components are combined, or have different component arrangements.
  • a computer device comprising a memory and one or more processors, the memory storing computer readable instructions, the computer readable instructions being executed by the processor, causing the one or more processors to perform the step of: receiving the transmission by the enterprise terminal
  • the enterprise terminal pays an annuity payment to the employees participating in the annuity plan.
  • the first file has a corresponding random problem
  • the processor executes the computer readable instructions, the step of: obtaining the pre-stored signature corresponding to the employee if the confirmation information includes the digital signature and the answer to the random question
  • the handwriting matches the signature signature of the digital signature with the pre-stored signature handwriting; if the matching degree reaches the first matching threshold, and the answer of the random question is consistent with the preset answer, the verification passes.
  • the processor executes the computer readable instructions to: receive an annuity transfer request sent by the enterprise terminal, the annuity transfer reservation request carries the resigned employee information; and generates a second file according to the resigned employee information, The second file is sent to the employee terminal corresponding to the departing employee; if the departing employee has no objection to the second file, receiving the confirmation information corresponding to the second file returned by the employee terminal, and sending the second file and the corresponding confirmation information to the enterprise terminal, So that the enterprise terminal handles the annuity transfer to the departing employee; if the departing employee disagrees with the content in the second file, the problem item corresponding to the second file returned by the employee terminal is received, and the problem item is sent to the enterprise terminal, so that the enterprise The terminal modifies the employee information of the retired employee according to the problem item; and returns to the step of receiving the annuity transfer request sent by the enterprise terminal.
  • the method further comprises the steps of: receiving an annuity receiving request sent by the employee terminal, the annuity receiving request carrying the receiving application information; acquiring the annuity receiving model according to the annuity receiving request; The information is input into the annuity collection model, and the corresponding tax amount and the received amount are calculated; a third file is generated according to the application information and the calculated receiving amount and/or the tax amount; and the third file is returned to the employee terminal.
  • the processor executes the computer readable instructions, the step of: receiving the confirmation result of the third file by the employee terminal; if the confirmation result is accurate, the third file has been confirmed, and the The third file confirmed is counted; if the number of statistics of the third file that has been confirmed reaches a preset threshold, the third file is batch sent to the enterprise terminal.
  • One or more non-volatile storage media storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the steps of: receiving employee participation sent by the enterprise terminal The statistical request, the employee participation statistical request carries the annuity information and the employee information; the first file is generated by using the annuity information, and the first file is sent to the plurality of employee terminals according to the employee information; when the employee agrees to participate in the annuity plan within the preset time period, Receiving the confirmation information corresponding to the first file returned by the employee terminal, and verifying the confirmation information; if the confirmation information is verified, the confirmation information is counted, and the employee annuity participation statistical result is obtained; and the employee annuity participation statistical result is returned to the enterprise
  • the terminal is such that the enterprise terminal pays an annuity payment to the employees participating in the annuity plan.
  • the first file has a corresponding random problem; when the computer readable instructions are executed by the processor, the step of: obtaining the pre-stored corresponding to the employee if the confirmation information includes the digital signature and the answer to the random question
  • the signature handwriting matches the signature signature of the digital signature with the pre-stored signature handwriting; if the matching degree reaches the first matching threshold, and the answer of the random question is consistent with the preset answer, the verification passes.
  • the computer readable instructions are further executed by the processor to: receive an annuity transfer request sent by the enterprise terminal, the annuity transfer reservation request carries the resigned employee information; and generate a second file according to the resigned employee information, Sending the second file to the employee terminal corresponding to the departing employee; if the departing employee has no objection to the second file, receiving the confirmation information corresponding to the second file returned by the employee terminal, and sending the second file and the corresponding confirmation information to the enterprise terminal So that the enterprise terminal handles the annuity transfer to the retired employee; if the retired employee disagrees with the content in the second file, the problem item corresponding to the second file returned by the employee terminal is received, and the problem item is sent to the enterprise terminal, so that The enterprise terminal modifies the employee information of the retired employee according to the problem item; and returns to the step of receiving the annuity transfer request sent by the enterprise terminal.
  • the following steps are further performed: receiving an annuity receiving request sent by the employee terminal, the annuity receiving request carrying the receiving application information; obtaining the annuity receiving model according to the annuity receiving request; The application information is input into the annuity collection model, and the corresponding tax amount and the received amount are calculated; a third file is generated according to the application information and the calculated receiving amount and/or the tax amount; and the third file is returned to the employee terminal.
  • the computer readable instructions are further executed by the processor to: receive the confirmation result of the third file by the employee terminal; if the confirmation result is accurate, the third file has been confirmed, and the The third file that has been confirmed is counted; if the number of statistics of the third file that has been confirmed reaches a preset threshold, the third file is batch sent to the enterprise terminal.
  • Non-volatile memory can include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory.
  • Volatile memory can include random access memory (RAM) or external cache memory.
  • RAM is available in a variety of formats, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronization chain.
  • SRAM static RAM
  • DRAM dynamic RAM
  • SDRAM synchronous DRAM
  • DDRSDRAM double data rate SDRAM
  • ESDRAM enhanced SDRAM
  • Synchlink DRAM SLDRAM
  • Memory Bus Radbus
  • RDRAM Direct RAM
  • DRAM Direct Memory Bus Dynamic RAM
  • RDRAM Memory Bus Dynamic RAM

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Abstract

一种年金业务处理方法，包括：接收企业终端发送的员工参与统计请求，员工参与统计请求携带了年金信息和员工信息；利用年金信息生成第一文件，根据员工信息将第一文件发送至多个员工终端；当员工在预设时间段内同意参与年金计划时，接收员工终端返回的第一文件对应的确认信息，对确认信息进行校验；若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果；将员工年金参与统计结果返回至企业终端，以使得企业终端对参与年金计划的员工进行年金缴费。

Description

年金业务处理方法、系统、服务器和存储介质
本申请要求于2017年7月25日提交中国专利局，申请号为2017106144043，申请名称为“年金业务处理方法、系统、服务器和存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及一种年金业务处理方法、系统、服务器和存储介质。
背景技术
年金是指企业及其员工在依法参加基本养老保险的基础上，自愿建立的补充养老保险。年金是一种较好的投资安排，越来越多的员工选择参与企业的年金计划。发明人意识到，在传统的方式中，企业与员工之间均只能采用线下沟通的方式办理年金业务，如果有较多员工参与企业年金，会给企业管理人员带来较大工作负担。
发明内容
根据本申请公开的各种实施例，提供一种年金业务处理方法、系统、服务器和存储介质。
一种年金业务处理方法，包括：
接收企业终端发送的员工参与统计请求，所述员工参与统计请求携带了年金信息和员工信息；
利用所述年金信息生成第一文件，根据所述员工信息将所述第一文件发送至多个员工终端；
当员工在预设时间段内同意参与年金计划时，接收员工终端返回的第一文件对应的确认信息，对所述确认信息进行校验；
若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果；及
将所述员工年金参与统计结果返回至企业终端，以使得企业终端对参与年金计划的员工进行年金缴费。
一种年金业务处理系统，包括：
企业终端，用于向服务器发送员工参与统计请求，所述员工参与统计请求携带了年金信息和员工信息；
服务器，用于利用所述年金信息生成第一文件，根据所述员工信息将所述第一文件发送至多个员工终端；及
员工终端，用于当员工在预设时间段内同意参与年金计划时，获取员工录入的第一文件对应的确认信息，将确认信息发送至所述服务器；所述服务器还用于对所述确认信息进 行校验，若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果，将所述员工年金参与统计结果返回至企业终端；所述企业终端还用于对参与年金计划的员工进行年金缴费。
一种计算机设备，包括存储器和一个或多个处理器，所述存储器中储存有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：
接收企业终端发送的员工参与统计请求，所述员工参与统计请求携带了年金信息和员工信息；
利用所述年金信息生成第一文件，根据所述员工信息将所述第一文件发送至多个员工终端；
当员工在预设时间段内同意参与年金计划时，接收员工终端返回的第一文件对应的确认信息，对所述确认信息进行校验；
若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果；及
将所述员工年金参与统计结果返回至企业终端，以使得企业终端对参与年金计划的员工进行年金缴费。
一个或多个存储有计算机可读指令的非易失性存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
接收企业终端发送的员工参与统计请求，所述员工参与统计请求携带了年金信息和员工信息；
利用所述年金信息生成第一文件，根据所述员工信息将所述第一文件发送至多个员工终端；
当员工在预设时间段内同意参与年金计划时，接收员工终端返回的第一文件对应的确认信息，对所述确认信息进行校验；
若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果；及
将所述员工年金参与统计结果返回至企业终端，以使得企业终端对参与年金计划的员工进行年金缴费。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其它的附图。
图1为根据一个或多个实施例中的年金业务处理方法应用环境图。
图2为根据一个或多个实施例中年金业务处理方法的流程图。
图3为根据一个或多个实施例中年金业务处理装置的结构示意图。
图4为根据一个或多个实施例中服务器的框图。
具体实施方式
为了使本申请的技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
可以理解，本申请所使用的术语“第一”、“第二”等可在本文中用于描述各种元件，但这些元件不受这些术语限制。这些术语仅用于将第一个元件与另一个元件区分。举例来说，在不脱离本申请的范围的情况下，可以将第一客户端称为第二客户端，且类似地，可将第二客户端称为第一客户端。第一客户端和第二客户端两者都是客户端，但其不是同一客户端。
本申请实施例中所提供的年金业务处理方法可以应用于如图1所示的应用环境中。多个企业终端102通过网络与服务器104连接。多个员工终端106通过网络与服务器104连接。当企业需要办理年金业务时，企业管理人员可以通过企业终端102向服务器104发起年金业务请求。业务类型不同，年金业务请求也不同。例如，在企业办理员工参与统计业务时，企业管理人员通过企业终端102向服务器104发起员工参与统计请求。员工参与统计请求携带了年金信息和员工信息。服务器104利用年金信息生成第一文件，根据员工信息获取多个员工的联系方式，根据员工的联系方式将第一文件发送至多个员工终端106。当员工在预设时间段内同意参与年金计划时，员工可以通过员工终端106向服务器104返回第一文件对应的确认信息。确认信息可以是数字签名、指纹信息或者人脸图像等，也可以是随机问题的答案。随机问题是服务器104根据第一文件随机生成的，具有对应的预设答案。服务器104对确认信息进行校验。若确认信息通过校验，则服务器104对确认信息进行统计，得到员工年金参与统计结果。员工年金参与统计结果包括确认参与年金计划的员工清单、以及第一文件和对应的确认信息。服务器104将员工年金参与统计结果返回至企业终端102。企业管理人员可以通过企业终端102给确认参与年金计划的员工缴纳年金。上述年金业务处理的过程通过企业终端102、服务器104和员工终端106之间的交互完成，服务器104根据企业终端102发送的年金转保留请求生成第一文件，接收员工终端106返回的第一文件的确认信息，对确认信息进行校验，可以提高员工参与统计的安全性，可以减少企业管理人员对确认信息进行人工校验的繁琐；在校验通过时服务器104对确认信息进行统计，将统计结果返回至企业终端102，可以减少企业管理人员对确认参与年金计划的员工进行人工统计的繁琐，由此可以有效减少企业管理人员在办理年金业务时的工作负担。
在其中一个实施例中，如图2所示，提供了一种年金业务处理方法，以该方法应用于服务器为例进行说明，具体包括以下步骤：
步骤202，接收企业终端发送的员工参与统计请求，员工参与统计请求携带了年金信息和员工信息。
当企业选择参加年金计划时，多个企业可以参加同一项年金计划。参加同一项年金计划的多个企业可以来自同一集团，也可以分别来自不同集团。每项年金计划具有对应年金方案。每个企业在参加年金计划之后，需要对员工是否参与企业的年金计划进行统计，对选择参与企业的年金计划的员工进行年金缴费。以下以其中一个企业为例进行说明。
当企业需要办理员工参与统计业务时，企业管理人员通过企业终端向服务器发起员工参与统计请求。员工参与统计请求携带了年金信息和员工信息。年金信息包括年金方案和年金知识等。员工信息包括多位在职员工的基本信息，如员工姓名、性别、联系电话、电子邮箱、证件类型、证件号码等。员工参与统计请求还可以携带其他信息，如预设时间段。预设时间段是指员工参与统计业务的有效处理时间区间。
步骤204，利用年金信息生成第一文件，根据员工信息将第一文件发送至多个员工终端。
服务器利用年金信息生成第一文件。第一文件为员工选择参与年金计划时需要进行确认的文件。服务器根据员工信息(联系电话或电子邮箱)将第一文件和对应的年金信息发送至多个员工终端。员工可以通过员工终端对年金知识和年金方案进行了解，进而判断是否参与企业的年金计划。
步骤206，当员工在预设时间段内同意参与年金计划时，接收员工终端返回的第一文件对应的确认信息，对确认信息进行校验。若确认信息通过校验，则执行步骤208，否则，提示重新对第一文件进行确认。
当员工在预设时间段内选择参与企业的年金计划时，员工通过员工终端对第一文件进行下载，输入第一文件对应的确认信息。员工终端将确认信息发送至服务器。服务器按照预设的校验规则对确认信息进行校验。
确认信息可以包括数字签名、指纹信息、人脸图像或随机问题的答案等。随机问题是服务器根据第一文件随机生成的，具有对应的预设答案。
在其中一个实施例中，第一文件具有对应的随机问题；对确认信息进行校验的步骤，包括：若确认信息包括数字签名和随机问题的答案，则获取员工对应的预存储的签名笔迹，将数字签名的签名笔迹与预存储的签名笔迹进行匹配；若匹配度达到第一匹配阈值，且随机问题的答案与预设答案一致，则校验通过。
服务器根据第一文件生成一个或多个随机问题。例如，请输入您的身份证件号码等。每个随机问题具有对应的预设答案。当员工在预设时间段内选择参与企业的年金计划时，员工通过员工终端在第一文件中添加数字签名，回答第一文件对应的随机问题。员工终端将数字签名和随机问题的答案发送至服务器。服务器预存储了多个员工的签名笔迹。服务器获取员工对应的预存储的签名笔迹，将数字签名的签名笔迹与预存储的签名笔迹进行匹配，计算得到对应的匹配度。服务器判断该匹配度是否达到第一匹配阈值。若该匹配度达 到第一匹配阈值，且随机问题的答案与预设答案一致，则表示校验通过。
在其中一个实施例中，第一文件具有对应的随机问题；对确认信息进行校验的步骤，包括：若确认信息包括指纹信息和随机问题的答案，则获取员工对应的预存储的指纹信息，将确认信息中的指纹信息与预存储的指纹信息进行匹配；若匹配度达到第二匹配阈值，且随机问题的答案与预设答案一致，则校验通过。
当员工在预设时间段内选择参与企业的年金计划时，员工通过员工终端在第一文件中添加指纹信息，回答第一文件对应的随机问题。员工终端将指纹信息和随机问题的答案发送至服务器。服务器预存储了多个员工的指纹信息。服务器获取员工对应的预存储的指纹信息，将员工终端返回的指纹信息与预存储的指纹信息进行匹配，计算得到对应的匹配度。服务器判断该匹配度是否达到第二匹配阈值。若该匹配度达到第二匹配阈值，且随机问题的答案与预设答案一致，则表示校验通过。在其中一个实施例中，第一文件具有对应的随机问题；对确认信息进行校验的步骤，包括：若确认信息包括人脸图像和随机问题的答案，则获取员工身份证件中的人脸图像，将确认信息中的人脸图像与预存储的人脸图像进行匹配；若匹配度达到第三匹配阈值，且随机问题的答案与预设答案一致，则校验通过。
当员工在预设时间段内选择参与企业的年金计划时，员工通过员工终端录入人脸图像，回答第一文件对应的随机问题。员工终端将人脸图像和随机问题的答案发送至服务器。服务器预存储了多个员工的人脸图像。服务器获取员工对应的预存储的人脸图像，将员工终端返回的人脸图像与预存储的人脸图像进行匹配，计算得到对应的匹配度。服务器判断该匹配度是否达到第三匹配阈值。若该匹配度达到第三匹配阈值，且随机问题的答案与预设答案一致，则表示校验通过。
在其中一个实施例中，第一文件具有对应的随机问题；对确认信息进行校验的步骤，包括：若确认信息包括数字签名、指纹信息和随机问题的答案，则获取员工对应的预存储的签名笔迹，将数字签名的签名笔迹与预存储的签名笔迹进行匹配；获取员工对应的预存储的指纹信息，将确认信息中的指纹信息与预存储的指纹信息进行匹配；若数字签名的签名笔迹与预存储的签名笔迹的匹配度达到第一匹配阈值，确认信息中的指纹信息与预存储的指纹信息的匹配度达到第二匹配阈值，且随机问题的答案与预设答案一致，则表示校验通过。
在其中一个实施例中，第一文件具有对应的随机问题；对确认信息进行校验的步骤，包括：若确认信息包括数字签名、人脸图像和随机问题的答案，则获取员工对应的预存储的签名笔迹，将数字签名的签名笔迹与预存储的签名笔迹进行匹配；获取员工身份证件中的人脸图像，将确认信息中的人脸图像与预存储的人脸图像进行匹配；若数字签名的签名笔迹与预存储的签名笔迹的匹配度达到第一匹配阈值，确认信息中的人脸图像与预存储的人脸图像的匹配度达到第三匹配阈值，且随机问题的答案与预设答案一致，则表示校验通过。在其中一个实施例中，第一文件具有对应的随机问题；对确认信息进行校验的步骤，包括：若确认信息包括数字签名、指纹信息、人脸图像和随机问题的答案，则获取员工对 应的预存储的签名笔迹，将数字签名的签名笔迹与预存储的签名笔迹进行匹配；获取员工对应的预存储的指纹信息，将确认信息中的指纹信息与预存储的指纹信息进行匹配；获取员工身份证件中的人脸图像，将确认信息中的人脸图像与预存储的人脸图像进行匹配；若数字签名的签名笔迹与预存储的签名笔迹的匹配度达到第一匹配阈值，确认信息中的指纹信息与预存储的指纹信息的匹配度达到第二匹配阈值，确认信息中的人脸图像与预存储的人脸图像的匹配度达到第三匹配阈值，且随机问题的答案与预设答案一致，则表示校验通过。
本实施例中，对员工终端返回的确认信息进行校验，可以避免他人恶意代替员工对第一文件进行确认，提高员工参与统计的真实有效性，可以减少企业管理人员需要对确认信息进行人工识别真伪的繁琐，进而可以减少企业管理人员对确认信息进行人工校验的负担。
步骤208，对确认信息进行统计，得到员工年金参与统计结果。
步骤210，将员工年金参与统计结果返回至企业终端，以使得企业终端对参与年金计划的员工进行年金缴费。
若确认信息通过校验，则服务器对当前接收到的确认信息进行统计，得到员工年金参与统计结果。员工年金参与统计结果包括确认参与年金计划的员工清单、以及第一文件和对应的确认信息。优选地，员工清单内记录了已经确认参与年金计划的员工人数。服务器将员工年金参与统计结果返回至企业终端，可以帮助企业管理人员及时了解员工参与情况。企业管理人员可以通过企业终端对第一文件和对应的确认信息进行下载，以对第一文件和对应的确认信息进行存档。企业管理人员通过企业终端给确认参与企业的年金计划的员工缴纳年金。
本实施例中，企业管理人员可以在企业终端发起员工参与统计请求，服务器根据员工参与统计请求生成第一文件，将第一文件发送至员工终端，使得员工可以在员工终端对第一文件进行确认；对员工终端返回的确认信息进行校验，可以避免他人代替员工对第一文件进行恶意确认，提高员工参与统计的安全性，可以减少企业管理人员对确认信息进行人工校验的繁琐，可以有效减少企业管理人员在办理年金业务时的工作负担；在校验通过时对确认信息进行统计，将统计结果返回至企业终端，可以减少企业管理人员对确认参与年金计划的员工进行人工统计的繁琐，可以进一步减少企业管理人员在办理年金业务时的工作负担。
在其中一个实施例中，该方法还包括：接收企业终端发送的年金转保留请求，年金转保留请求携带了离职员工信息；根据离职员工信息生成第二文件，将第二文件发送至离职员工对应的员工终端；若离职员工对第二文件无异议，则接收员工终端返回的第二文件对应的确认信息，将第二文件和对应的确认信息发送至企业终端，以使得企业终端对离职员工办理年金转保留；若离职员工对第二文件中的内容有异议，则接收员工终端返回的第二文件对应的问题项，将问题项发送至企业终端，以使得企业终端根据问题项修改离职员 工信息；返回接收企业终端发送的年金转保留请求步骤。
在员工离职后，企业将停止给离职员工缴纳年金，之后离职员工可以选择将年金转到其他企业继续缴纳，也可以选择保留在原企业。但较多离职员工在离职后的很长一段时间，对年金不作任何处理。企业需要对离职员工的年金作相应处理，如作转保留处理。转保留处理是指将离职员工的年金缴纳业务保留在原来的企业，之后由离职员工个人承担需要缴纳的全部年金，原来的企业可以代替离职员工将其缴纳的全部年金缴纳给保险公司。当企业需要办理离职员工年金转保留业务时，企业管理人员通过企业终端向服务器发起年金转保留请求。年金转保留请求携带了离职员工信息。离职员工信息包括多位离职员工的基本信息，如员工姓名、性别、联系电话和电子邮箱等，还包括多位离职员工的年金缴纳信息，如年金缴费账户，具体归属比例等。年金缴费账户包括正常缴费账户和/或企业激励账户。
服务器响应年金转保留请求，根据离职员工信息从账管终端获取多位离职员工对应的年金缴费账户的当前总额。服务器根据离职员工的基本信息及其年金缴费账户的当前总额，针对每位离职员工生成一份独立的第二文件。独立的第二文件包括年金缴费账户当前总额和/或具体归属比例。每位离职员工的年金缴费账户可以同时存在正常缴费账户和企业激励账户，也可以只存在正常缴费账户但设定了具体归属比例，还可以只存在正常缴费账户且未设定具体归属比例，但设定了默认归属比例。例如，一位离职员工的年金缴费账户的当前总额为10000元，具体归属比例为40％归属企业，60％归属员工，则4000元归属企业，6000元归属员工。
服务器将独立的第二文件发送至对应离职员工的员工终端。服务器生成通知信息，根据离职员工信息获取每位离职员工的联系方式。根据获取的联系方式，服务器将通知信息发送至对应离职员工的员工终端，以提示离职员工及时对第二文件进行确认。例如，服务器根据离职员工的联系电话，将通知信息以短信的方式发送至对应离职员工的员工终端。或者服务器根据离职员工的电子邮箱，将通知信息以邮件的方式发送至离职员工对应的员工终端。
若离职员工在指定时间段内对第二文件无异议，则离职员工可以通过员工终端向服务器返回第二文件对应的确认信息。确认信息可以是数字签名、指纹信息或者人脸图像等，也可以是随机问题的答案。随机问题是服务器根据第一文件随机生成的，具有对应的预设答案。服务器可以采用上述实施例中提供的方式，对员工终端返回的确认信息进行校验。若确认信息通过校验，则服务器将第二文件和对应的确认信息发送至企业终端。根据第二文件和对应的确认信息，企业管理人员可以通过企业终端对离职员工办理年金转保留。
若离职员工在指定时间段内对第二文件中的内容有异议，离职员工可以通过员工终端向服务器返回第二文件对应的问题项，如“证件号码有误”或“归属比例有误”等。员工终端将问题项发送至服务器。服务器将问题项发送至企业终端。企业管理人员可以通过企业终端根据问题项修改离职员工信息。企业终端利用修改后的离职员工信息重新生成年金转保留请求，将重新生成的年金转保留请求发送至服务器。
本实施例中，企业管理人员可以在企业终端发起年金转保留请求，根据年金转保留请求生成第二文件，将第二文件发送至员工终端，使得离职员工可以在员工终端对第二文件进行确认或者提出异议；当员工对第二文件存在异议时，可以通过员工终端发送问题项，将问题项反馈至企业终端；企业管理人员可以根据问题项在企业终端重新发起年金转保留请求，进而可以保证年金转保留请求的正确性，可以减少企业管理人员对离职员工信息进行人工确认的繁琐，进而可以有效减少企业管理人员在办理年金业务时的工作负担。
在其中一个实施例中，该方法还包括：接收员工终端发送的年金领取请求，年金领取请求携带了领取申请信息；根据年金领取请求获取年金领取模型；将领取申请信息输入年金领取模型，计算对应的纳税金额和领取金额；根据申请信息以及计算得到的领取金额和/或纳税金额，生成第三文件；将第三文件返回至员工终端。
当员工达到国家规定的退休年龄或出境定居时，员工可以向企业申请领取年金。当员工需要办理年金领取业务时，员工可以通过员工终端向服务器发起年金领取请求。服务器根据年金领取请求中携带的申请理由，获取对应的申请页面，将申请页面返回至员工终端进行显示。员工终端获取员工在申请页面录入的申请信息，将申请信息发送至服务器。申请信息包括领取信息。领取信息包括领取类型、领取周期、领取期数和/或每期领取金额等。其中，领取类型包括定期、定额和定期定额。领取周期包括一次性领取、按月领取、按季领取和按年领取等。当员工设定领取类型为定额时，员工终端提示员工设置每期领取金额。当员工设定领取类型为定期时，员工终端提示员工设置领取期数。当员工设定领取类型为定期定额时，员工终端提示员工设置领取期数以及每期领取金额。
申请信息还可以包括其他信息，如申请人信息、银行信息和影像信息等，这里不作限制。其中，申请人信息包括申请人姓名、联系电话、电子邮箱和/或退休日期等。银行信息包括银行账户名称、银行账号和开户银行等。影像信息包括申请人身份证明和银行卡等。
服务器响应年金领取请求，从账管终端获取该员工对应年金缴费账户的账户余额。服务器获取预先建立的年金领取模型，将申请信息以及员工对应年金缴费账户的账户余额输入年金领取模型，计算对应的领取金额和/或纳税金额。年金领取模型是保险公司根据指定的算法建立的数学模型。具体的，当领取类型为定额时，服务器根据每期领取金额和账户余额，计算领取期数，根据预设的计税规则计算每期领取金额对应的纳税金额。当领取类型为定期时，服务器根据领取期数和账户余额，计算每期领取金额。当领取类型为定期定额时，服务器根据领取期数和每期领取金额，计算领取总额，比较领取总额与账户余额是否匹配。若是，服务器根据预设的计税规则计算每期领取金额对应的纳税金额。
服务器根据申请信息以及计算得到的领取金额和/或纳税金额，生成第三文件。服务器将第三文件返回至员工终端，以使得员工终端可以对第三文件进行确认。若离职员工对第三文件中的内容有异议，则离职员工可以通过员工终端向服务器发送问题项。服务器根据问题项修改第三文件，将修改后的第三文件返回至员工终端。若离职员工对第三文件无 异议，离职员工可以通过员工终端向服务器发送确认无误结果。服务器将确认无误的第三文件发送至企业终端，从而企业管理人员可以在企业终端对发起年金领取请求的员工进行年金支付。
本实施例中，员工申请领取年金时，只需通过员工终端录入申请信息；服务器预先建立了年金领取模型，可以将申请信息输入年金领取模型，计算对应的领取金额和纳税金额，进而可以提高领取金额和纳税金额的计算效率和正确率；将计算得到的领取金额和纳税金额发送至员工终端，可以使员工对应计算结果进行确认，进一步提高了领取金额和纳税金额的计算正确率，可以减少企业管理人员根据员工的申请信息进行人工计算领取金额和纳税金额，以及人工检验计算正确性的繁琐，进而可以有效减少企业管理人员在办理年金业务时的工作负担。
在其中一个实施例中，该方法还包括：接收员工终端对第三文件的确认结果；若确认结果表示准确无误，则记录第三文件已经过确认，对已经过确认的第三文件进行统计；若已经过确认的第三文件的统计数量达到预设阈值，则将第三文件批量发送至企业终端。
员工可以通过员工终端对第三文件进行确认。员工终端将确认结果发送至服务器。若确认结果表示准确无误，则服务器记录第三文件已经过确认。服务器将已经过确认的第三文件存储至数据库。已经过确认的第三文件可以称为当前的第三文件。在将当前的第三文件存储至数据库之前，数据库中可能已经存储了多份第三文件。服务器统计数据库中存储的第三文件的数量，比较第三文件的统计数量是否达到预设阈值。若是，则服务器将数据库中存储的多个第三文件批量发送至企业终端。企业管理人员通过企业终端对发起年金领取请求的员工进行年金支付。
本实施例中，服务器并非在接收到员工终端发送的确认无误结果后，立即将第三文件发送至企业终端。而是在第三文件的统计数量积累至预设阈值，将多个第三文件批量发送至企业终端，实现对多个员工的相同类型的年金领取请求自动汇总，方便企业管理人员为多个员工统一办理年金领取业务，减轻企业管理人员的工作负担。
应该理解的是，虽然图2的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，这些步骤可以以其它的顺序执行。而且，图2中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，这些子步骤或者阶段的执行顺序也不必然是依次进行，而是可以与其它步骤或者其它步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。
在其中一个实施例中，如图3所示，提供了一种年金业务处理系统，包括：企业终端302、服务器304和员工终端306，其中：
企业终端302，用于向服务器发送员工参与统计请求，员工参与统计请求携带了年金信息和员工信息。
服务器304，用于利用年金信息生成第一文件，根据员工信息将第一文件发送至多个员工终端。
员工终端306，用于当员工在预设时间段内同意参与年金计划时，获取员工录入的第一文件对应的确认信息，将确认信息发送至服务器。
服务器304还用于对确认信息进行校验，若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果，将员工年金参与统计结果返回至企业终端302。
企业终端302还用于对参与年金计划的员工进行年金缴费。
在其中一个实施例中，员工终端306还用于向服务器发送年金领取请求，年金领取请求携带了领取申请信息；服务器304还用于根据年金领取请求获取年金领取模型，将领取申请信息输入年金领取模型，计算对应的纳税金额和领取金额，根据申请信息以及计算得到的领取金额和/或纳税金额，生成第三文件，将第三文件返回至员工终端306。
在其中一个实施例中，企业终端302还用于向服务器发送的年金转保留请求，年金转保留请求携带了离职员工信息；服务器304根据离职员工信息生成第二文件，将第二文件发送至离职员工对应的员工终端306；员工终端306还用于若离职员工对第二文件无异议，获取员工录入的第二文件对应的确认信息，将确认信息发送至服务器304；服务器304还用于将第二文件和对应的确认信息至企业终端302；企业终端302还用于根据第二文件和对应的确认信息对离职员工办理年金转保留；员工终端306还用于若离职员工对第二文件中的内容有异议，获取员工录入的第二文件对应的问题项，将问题项发送至服务器304；服务器304还用于将问题项发送至企业终端302；企业终端302还用于根据问题项修改离职员工信息，利用修改后的离职员工信息重新年金转保留请求。
在其中一个实施例中，提供了一种服务器，如图4所示，该服务器包括通过系统总线连接的处理器、存储器和网络接口。其中，该服务器的处理器用于提供计算和控制能力。该服务器的存储器包括非易失性存储介质、内存储器。该服务器的非易失性存储介质存储有操作系统、计算机可读指令和数据库，该计算机可读指令被处理器执行时以实现一种年金业务处理方法。该服务器的内存储器为非易失性存储介质中的操作系统和计算机可读指令的运行提供环境。该服务器的网络接口用于与外部的终端通过网络连接通信，比如，接收终端发送的年金信息和员工信息等。
本领域技术人员可以理解，图4中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的服务器的限定，具体的服务器可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
一种计算机设备，包括存储器和一个或多个处理器，存储器中储存有计算机可读指令，计算机可读指令被处理器执行时，使得一个或多个处理器执行以下步骤：接收企业终端发送的员工参与统计请求，员工参与统计请求携带了年金信息和员工信息；利用年金信息生成第一文件，根据员工信息将第一文件发送至多个员工终端；当员工在预设时间段内同意参与年金计划时，接收员工终端返回的第一文件对应的确认信息，对确认信息进行校验； 若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果；及将员工年金参与统计结果返回至企业终端，以使得企业终端对参与年金计划的员工进行年金缴费。
在其中一个实施例中，第一文件具有对应的随机问题；处理器执行计算机可读指令时还执行以下步骤：若确认信息包括数字签名和随机问题的答案，则获取员工对应的预存储的签名笔迹，将数字签名的签名笔迹与预存储的签名笔迹进行匹配；若匹配度达到第一匹配阈值，且随机问题的答案与预设答案一致，则校验通过。
在其中一个实施例中，处理器执行计算机可读指令时还执行以下步骤：接收企业终端发送的年金转保留请求，年金转保留请求携带了离职员工信息；根据离职员工信息生成第二文件，将第二文件发送至离职员工对应的员工终端；若离职员工对第二文件无异议，则接收员工终端返回的第二文件对应的确认信息，将第二文件和对应的确认信息发送至企业终端，以使得企业终端对离职员工办理年金转保留；若离职员工对第二文件中的内容有异议，则接收员工终端返回的第二文件对应的问题项，将问题项发送至企业终端，以使得企业终端根据问题项修改离职员工信息；返回接收企业终端发送的年金转保留请求步骤。
在其中一个实施例中，处理器执行计算机可读指令时还执行以下步骤：接收员工终端发送的年金领取请求，年金领取请求携带了领取申请信息；根据年金领取请求获取年金领取模型；将领取申请信息输入年金领取模型，计算对应的纳税金额和领取金额；根据申请信息以及计算得到的领取金额和/或纳税金额，生成第三文件；将第三文件返回至员工终端。
在其中一个实施例中，处理器执行计算机可读指令时还执行以下步骤：接收员工终端对第三文件的确认结果；若确认结果表示准确无误，则记录第三文件已经过确认，对已经过确认的第三文件进行统计；若已经过确认的第三文件的统计数量达到预设阈值，则将第三文件批量发送至企业终端。
一个或多个存储有计算机可读指令的非易失性存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：接收企业终端发送的员工参与统计请求，员工参与统计请求携带了年金信息和员工信息；利用年金信息生成第一文件，根据员工信息将第一文件发送至多个员工终端；当员工在预设时间段内同意参与年金计划时，接收员工终端返回的第一文件对应的确认信息，对确认信息进行校验；若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果；将员工年金参与统计结果返回至企业终端，以使得企业终端对参与年金计划的员工进行年金缴费。
在其中一个实施例中，第一文件具有对应的随机问题；计算机可读指令被处理器执行时还执行以下步骤：若确认信息包括数字签名和随机问题的答案，则获取员工对应的预存储的签名笔迹，将数字签名的签名笔迹与预存储的签名笔迹进行匹配；若匹配度达到第一匹配阈值，且随机问题的答案与预设答案一致，则校验通过。
在其中一个实施例中，计算机可读指令被处理器执行时还执行以下步骤：接收企业终端发送的年金转保留请求，年金转保留请求携带了离职员工信息；根据离职员工信息生成 第二文件，将第二文件发送至离职员工对应的员工终端；若离职员工对第二文件无异议，则接收员工终端返回的第二文件对应的确认信息，将第二文件和对应的确认信息发送至企业终端，以使得企业终端对离职员工办理年金转保留；若离职员工对第二文件中的内容有异议，则接收员工终端返回的第二文件对应的问题项，将问题项发送至企业终端，以使得企业终端根据问题项修改离职员工信息；返回接收企业终端发送的年金转保留请求步骤。
在其中一个实施例中，计算机可读指令被处理器执行时还执行以下步骤：接收员工终端发送的年金领取请求，年金领取请求携带了领取申请信息；根据年金领取请求获取年金领取模型；将领取申请信息输入年金领取模型，计算对应的纳税金额和领取金额；根据申请信息以及计算得到的领取金额和/或纳税金额，生成第三文件；将第三文件返回至员工终端。
在其中一个实施例中，计算机可读指令被处理器执行时还执行以下步骤：接收员工终端对第三文件的确认结果；若确认结果表示准确无误，则记录第三文件已经过确认，对已经过确认的第三文件进行统计；若已经过确认的第三文件的统计数量达到预设阈值，则将第三文件批量发送至企业终端。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一非易失性计算机可读取存储介质中，该计算机可读指令在执行时，可包括如上述各方法的实施例的流程。其中，本申请所提供的各实施例中所使用的对存储器、存储、数据库或其它介质的任何引用，均可包括非易失性和/或易失性存储器。非易失性存储器可包括只读存储器(ROM)、可编程ROM(PROM)、电可编程ROM(EPROM)、电可擦除可编程ROM(EEPROM)或闪存。易失性存储器可包括随机存取存储器(RAM)或者外部高速缓冲存储器。作为说明而非局限，RAM以多种形式可得，诸如静态RAM(SRAM)、动态RAM(DRAM)、同步DRAM(SDRAM)、双数据率SDRAM(DDRSDRAM)、增强型SDRAM(ESDRAM)、同步链路(Synchlink)DRAM(SLDRAM)、存储器总线(Rambus)直接RAM(RDRAM)、直接存储器总线动态RAM(DRDRAM)、以及存储器总线动态RAM(RDRAM)等。
以上实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种年金业务处理方法，包括：
    接收企业终端发送的员工参与统计请求，所述员工参与统计请求携带了年金信息和员工信息；
    利用所述年金信息生成第一文件，根据所述员工信息将所述第一文件发送至多个员工终端；
    当员工在预设时间段内同意参与年金计划时，接收员工终端返回的第一文件对应的确认信息，对所述确认信息进行校验；
    若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果；及
    将所述员工年金参与统计结果返回至企业终端，以使得企业终端对参与年金计划的员工进行年金缴费。
  2. 根据权利要求1所述的方法，其特征在于，第一文件具有对应的随机问题；所述对所述确认信息进行校验，包括：
    若确认信息包括数字签名和所述随机问题的答案，则获取员工对应的预存储的签名笔迹，将所述数字签名的签名笔迹与预存储的签名笔迹进行匹配；及
    若匹配度达到第一匹配阈值，且所述随机问题的答案与预设答案一致，则校验通过。
  3. 根据权利要求1所述的方法，其特征在于，还包括：
    接收所述企业终端发送的年金转保留请求，所述年金转保留请求携带了离职员工信息；
    根据离职员工信息生成第二文件，将所述第二文件发送至离职员工对应的员工终端；
    若离职员工对第二文件无异议，则接收员工终端返回的第二文件对应的确认信息，将所述第二文件和对应的确认信息发送至企业终端，以使得企业终端对离职员工办理年金转保留；及
    若离职员工对所述第二文件中的内容有异议，则接收所述员工终端返回的第二文件对应的问题项，将所述问题项发送至企业终端，以使得企业终端根据所述问题项修改离职员工信息；返回所述接收所述企业终端发送的年金转保留请求步骤。
  4. 根据权利要求1所述的方法，其特征在于，还包括：
    接收员工终端发送的年金领取请求，所述年金领取请求携带了领取申请信息；
    根据所述年金领取请求获取年金领取模型；
    将所述领取申请信息输入所述年金领取模型，计算对应的纳税金额和领取金额；
    根据申请信息以及计算得到的领取金额和/或纳税金额，生成第三文件；及
    将所述第三文件返回至员工终端。
  5. 根据权利要求4所述的方法，其特征在于，还包括：
    接收员工终端对第三文件的确认结果；
    若确认结果表示准确无误，则记录所述第三文件已经过确认，对已经过确认的第三 文件进行统计；及
    若所述已经过确认的第三文件的统计数量达到预设阈值，则将所述第三文件批量发送至企业终端。
  6. 一种年金业务处理系统，包括：
    企业终端，用于向服务器发送员工参与统计请求，所述员工参与统计请求携带了年金信息和员工信息；
    服务器，用于利用所述年金信息生成第一文件，根据所述员工信息将所述第一文件发送至多个员工终端；
    员工终端，用于当员工在预设时间段内同意参与年金计划时，获取员工录入的第一文件对应的确认信息，将确认信息发送至所述服务器；所述服务器还用于对所述确认信息进行校验，若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果，将所述员工年金参与统计结果返回至企业终端；所述企业终端还用于对参与年金计划的员工进行年金缴费。
  7. 根据权利要求6所述的系统，其特征在于，第一文件具有对应的随机问题；所述服务器还用于若确认信息包括数字签名和所述随机问题的答案，则获取员工对应的预存储的签名笔迹，将所述数字签名的签名笔迹与预存储的签名笔迹进行匹配；及若匹配度达到第一匹配阈值，且所述随机问题的答案与预设答案一致，则校验通过。
  8. 根据权利要求6所述的系统，其特征在于，所述员工终端还用于向服务器发送年金领取请求，所述年金领取请求携带了领取申请信息；所述服务器还用于根据所述年金领取请求获取年金领取模型，将所述领取申请信息输入所述年金领取模型，计算对应的纳税金额和领取金额，根据申请信息以及计算得到的领取金额和/或纳税金额，生成第三文件，将所述第三文件返回至员工终端。
  9. 根据权利要求8所述的系统，其特征在于，所述服务器还用于接收员工终端对第三文件的确认结果；若确认结果表示准确无误，则记录所述第三文件已经过确认，对已经过确认的第三文件进行统计；及若所述已经过确认的第三文件的统计数量达到预设阈值，则将所述第三文件批量发送至企业终端。
  10. 根据权利要求6所述的系统，其特征在于，所述企业终端还用于向服务器发送的年金转保留请求，所述年金转保留请求携带了离职员工信息；所述服务器根据离职员工信息生成第二文件，将所述第二文件发送至离职员工对应的员工终端；所述员工终端还用于若离职员工对第二文件无异议，获取员工录入的第二文件对应的确认信息，将确认信息发送至所述服务器；所述服务器还用于将第二文件和对应的确认信息至企业终端；所述企业终端还用于根据所述第二文件和对应的确认信息对离职员工办理年金转保留；所述员工终端还用于若离职员工对所述第二文件中的内容有异议，获取员工录入的第二文件对应的问题项，将所述问题项发送至服务器；所述服务器还用于将所述问题项发送至企业终端；所述企业终端还用于根据所述问题项修改离职员工信息，利用修改后的离职员工信息重新年 金转保留请求。
  11. 一种服务器，包括存储器及一个或多个处理器，所述存储器中储存有计算机可读指令，所述计算机可读指令被所述一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收企业终端发送的员工参与统计请求，所述员工参与统计请求携带了年金信息和员工信息；
    利用所述年金信息生成第一文件，根据所述员工信息将所述第一文件发送至多个员工终端；
    当员工在预设时间段内同意参与年金计划时，接收员工终端返回的第一文件对应的确认信息，对所述确认信息进行校验；
    若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果；及
    将所述员工年金参与统计结果返回至企业终端，以使得企业终端对参与年金计划的员工进行年金缴费。
  12. 根据权利要求11所述的服务器，其特征在于，第一文件具有对应的随机问题；所述处理器执行所述计算机可读指令时还执行以下步骤：
    若确认信息包括数字签名和所述随机问题的答案，则获取员工对应的预存储的签名笔迹，将所述数字签名的签名笔迹与预存储的签名笔迹进行匹配；及
    若匹配度达到第一匹配阈值，且所述随机问题的答案与预设答案一致，则校验通过。
  13. 根据权利要求11所述的服务器，其特征在于，所述处理器执行所述计算机可读指令时还执行以下步骤：
    接收所述企业终端发送的年金转保留请求，所述年金转保留请求携带了离职员工信息；
    根据离职员工信息生成第二文件，将所述第二文件发送至离职员工对应的员工终端；
    若离职员工对第二文件无异议，则接收员工终端返回的第二文件对应的确认信息，将所述第二文件和对应的确认信息发送至企业终端，以使得企业终端对离职员工办理年金转保留；及
    若离职员工对所述第二文件中的内容有异议，则接收所述员工终端返回的第二文件对应的问题项，将所述问题项发送至企业终端，以使得企业终端根据所述问题项修改离职员工信息；返回所述接收所述企业终端发送的年金转保留请求步骤。
  14. 根据权利要求11所述的服务器，其特征在于，所述处理器执行所述计算机可读指令时还执行以下步骤：
    接收员工终端发送的年金领取请求，所述年金领取请求携带了领取申请信息；
    根据所述年金领取请求获取年金领取模型；
    将所述领取申请信息输入所述年金领取模型，计算对应的纳税金额和领取金额；
    根据申请信息以及计算得到的领取金额和/或纳税金额，生成第三文件；及
    将所述第三文件返回至员工终端。
  15. 根据权利要求14所述的服务器，其特征在于，所述处理器执行所述计算机可读指令时还执行以下步骤：
    接收员工终端对第三文件的确认结果；
    若确认结果表示准确无误，则记录所述第三文件已经过确认，对已经过确认的第三文件进行统计；及
    若所述已经过确认的第三文件的统计数量达到预设阈值，则将所述第三文件批量发送至企业终端。
  16. 一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收企业终端发送的员工参与统计请求，所述员工参与统计请求携带了年金信息和员工信息；
    利用所述年金信息生成第一文件，根据所述员工信息将所述第一文件发送至多个员工终端；
    当员工在预设时间段内同意参与年金计划时，接收员工终端返回的第一文件对应的确认信息，对所述确认信息进行校验；
    若确认信息通过校验，则对确认信息进行统计，得到员工年金参与统计结果；及
    将所述员工年金参与统计结果返回至企业终端，以使得企业终端对参与年金计划的员工进行年金缴费。
  17. 根据权利要求16所述的存储介质，其特征在于，第一文件具有对应的随机问题；所述计算机可读指令被所述处理器执行时还执行以下步骤：
    若确认信息包括数字签名和所述随机问题的答案，则获取员工对应的预存储的签名笔迹，将所述数字签名的签名笔迹与预存储的签名笔迹进行匹配；及
    若匹配度达到第一匹配阈值，且所述随机问题的答案与预设答案一致，则校验通过。
  18. 根据权利要求16所述的存储介质，其特征在于，所述计算机可读指令被所述处理器执行时还执行以下步骤：
    接收所述企业终端发送的年金转保留请求，所述年金转保留请求携带了离职员工信息；
    根据离职员工信息生成第二文件，将所述第二文件发送至离职员工对应的员工终端；
    若离职员工对第二文件无异议，则接收员工终端返回的第二文件对应的确认信息，将所述第二文件和对应的确认信息发送至企业终端，以使得企业终端对离职员工办理年金转保留；及
    若离职员工对所述第二文件中的内容有异议，则接收所述员工终端返回的第二文件对应的问题项，将所述问题项发送至企业终端，以使得企业终端根据所述问题项修改离职员工信息；返回所述接收所述企业终端发送的年金转保留请求步骤。
  19. 根据权利要求16所述的存储介质，其特征在于，所述计算机可读指令被所述处理器执行时还执行以下步骤：
    接收员工终端发送的年金领取请求，所述年金领取请求携带了领取申请信息；
    根据所述年金领取请求获取年金领取模型；
    将所述领取申请信息输入所述年金领取模型，计算对应的纳税金额和领取金额；
    根据申请信息以及计算得到的领取金额和/或纳税金额，生成第三文件；及
    将所述第三文件返回至员工终端。
  20. 根据权利要求19所述的存储介质，其特征在于，所述计算机可读指令被所述处理器执行时还执行以下步骤：
    接收员工终端对第三文件的确认结果；
    若确认结果表示准确无误，则记录所述第三文件已经过确认，对已经过确认的第三文件进行统计；及
    若所述已经过确认的第三文件的统计数量达到预设阈值，则将所述第三文件批量发送至企业终端。
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