WO2019242342A1 - 一种信用退税方法、装置、系统及电子设备 - Google Patents

一种信用退税方法、装置、系统及电子设备 Download PDF

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Publication number
WO2019242342A1
WO2019242342A1 PCT/CN2019/078100 CN2019078100W WO2019242342A1 WO 2019242342 A1 WO2019242342 A1 WO 2019242342A1 CN 2019078100 W CN2019078100 W CN 2019078100W WO 2019242342 A1 WO2019242342 A1 WO 2019242342A1
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WO
WIPO (PCT)
Prior art keywords
tax refund
credit
user
refund
tax
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PCT/CN2019/078100
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English (en)
French (fr)
Inventor
黎学森
何毅
汪逸文
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阿里巴巴集团控股有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 阿里巴巴集团控股有限公司 filed Critical 阿里巴巴集团控股有限公司
Priority to EP19821544.4A priority Critical patent/EP3812996A4/en
Priority to SG11202006139XA priority patent/SG11202006139XA/en
Publication of WO2019242342A1 publication Critical patent/WO2019242342A1/zh
Priority to US16/943,485 priority patent/US20200357078A1/en

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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
    • G06Q40/12—Accounting
    • G06Q40/123—Tax preparation or submission
    • 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
    • G06Q40/10—Tax strategies

Definitions

  • This specification relates to the technical field of data processing, and in particular, to a method, a device, a system, and an electronic device for credit tax refund.
  • tax refunds are a must for everyone after shopping abroad.
  • the traditional way of tax refund is for passengers to go to customs for tax refund verification and verification when they leave the country for tax refund. After the verification and verification is successful, the passenger needs to travel between the customs and the tax refund company to apply for tax refund at the tax refund company. Sometimes passengers also experience queues. Therefore, the existing method of tax refund is inefficient, resulting in low user experience.
  • the purpose of the embodiments of this specification is to provide a credit tax refund method, device, system and electronic equipment. Based on the historical behavior information of the passenger, it is determined whether the credit tax refund qualification is available. The taxes generated effectively improve the efficiency of tax refunds.
  • an embodiment of the present specification provides a credit tax refund method, including:
  • the corresponding account is obtained according to the identity information of the tax refund user, and the tax equivalent to the tax refund amount is sent to the corresponding account.
  • an embodiment of the present specification provides a credit tax refund device, including:
  • Tax refund request obtaining unit for receiving credit tax refund request and tax refund amount
  • a tax refund request analysis unit configured to parse the credit tax refund request to obtain identity information of a tax refund user
  • a credit rebate qualification verification unit configured to determine whether the user corresponding to the credit rebate request has the credit rebate qualification by using the identity information of the tax rebate user;
  • the advance tax refund unit is configured to obtain a corresponding account according to the identity information of the tax refund user if the user corresponding to the credit tax refund request has credit tax refund qualifications, and send tax equivalent to the tax refund amount to the corresponding account.
  • the embodiment of the present specification provides another credit tax refund method, including:
  • the tax refund result information is obtained according to whether the tax refund user corresponding to the identity information has a credit tax refund qualification and a tax refund amount.
  • another embodiment of the present specification provides another credit tax refund device, including:
  • a tax refund request receiving unit for receiving a credit tax refund request; wherein the credit tax refund request includes identity information, account and consumption information of a tax refund user;
  • a tax refund amount determining unit configured to determine a tax refund amount based on the consumption information
  • a second sending unit configured to send the credit tax refund request and a corresponding tax refund amount
  • the feedback information receiving unit is configured to receive tax refund result information corresponding to the credit tax refund request; the tax refund result information is obtained according to whether the tax refund user corresponding to the identity information has a credit tax refund qualification and a tax refund amount.
  • an embodiment of the present specification provides an electronic device including a memory, a processor, and a computer program stored on the memory and executable on the processor.
  • the processor executes the computer program, Implement the credit tax refund method described above.
  • an embodiment of the present specification provides a readable storage medium on which a computer program is stored.
  • the computer program is executed, the steps of the credit tax refund method described above are implemented.
  • an embodiment of the present specification provides a credit tax refund system, which includes the above two types of credit tax refund devices.
  • FIG. 1 is a schematic diagram of an application scenario of the technical solution
  • FIG. 2 is a first flowchart of a credit tax refund method according to an embodiment of the present specification
  • FIG. 3 is a second flowchart of a credit tax refund method according to an embodiment of the present specification.
  • FIG. 4 is one of the functional block diagrams of a credit tax refund device according to an embodiment of the present specification.
  • FIG. 5 is a second functional block diagram of a credit tax refund device according to an embodiment of the present specification.
  • FIG. 6 is a schematic diagram of interaction between terminals of various roles in a credit tax refund system according to an embodiment of the present specification
  • FIG. 7 is a schematic diagram of an electronic device according to an embodiment of the present specification.
  • FIG. 1 it is a schematic diagram of an application scenario of the technical solution.
  • the credit tax refund scenario 100 is described below in conjunction with a professional application.
  • users use mobile terminals 101-105 to generate and send credit tax refund requests.
  • the credit tax refund request can be generated after the consumption is completed, or it can be generated some time after consumption and has not yet left the country, or it can be generated within the tax refund period after receiving the tax refund certificate from the customs.
  • the credit tax refund request is initiated by the user's mobile terminal and is directly sent to the tax refund server 120 of the tax refund company.
  • the credit tax refund request sent by the user's mobile terminal is received by the merchant server, and the merchant server sends the credit tax refund request corresponding to the consumption to the tax refund server 120 of the tax refund company. This method is not shown in the figure. 1 is shown.
  • the mobile terminals 101 to 105 may refer to various operating systems with network access functions, including various operating systems including, but not limited to, iOS, Android, Windows Phone, and the like. Mobile terminals can also be customized with various functions of terminal devices, including but not limited to smart phones, tablet computers, smart wearable devices, and so on.
  • the related credit tax refund application APP is installed in the mobile terminals 101 to 105, so that the credit tax refund request can be generated by the user using the credit tax refund application APP in the mobile terminals 101 to 105.
  • the tax refund server 120 of the tax refund company receives the credit tax refund request, analyzes the credit tax refund request, obtains the consumption information corresponding to the request, and the tax refund company obtains the tax refund amount according to the calculation method of the tax refund amount.
  • the tax refund server 120 of the tax refund company sends the credit tax refund request and the corresponding tax refund amount to the cooperative tax refund server 130 of the tax refund partner.
  • the consumption information may refer to the current consumption situation corresponding to the current credit tax refund request, or it may refer to the multiple consumption situation that has been consumed when the current credit tax refund request was generated and the tax refund has not been performed.
  • a valid tax refund form is a tax refund certificate that meets the tax refund regulations within the agreed time, and the tax refund certificate has been verified by the customs.
  • the tax refund server 120 of the tax refund company returns the tax equivalent to the tax refund amount to the cooperative tax refund server of the advancement agency when the valid tax refund form of the user corresponding to the credit tax refund request is received, and the cooperative tax refund server of the advancement agency is also the tax refund. Partner's server. Only tax refund forms that do not meet the tax refund rules cannot be verified by the customs, and they become invalid tax refund certificates.
  • the tax refund server 120 of the tax refund company generates user default information without receiving a valid tax refund form of the user corresponding to the credit tax refund request, and sends the user default information to the cooperative tax refund server 130 of the tax refund partner.
  • the tax refund server 120 of the tax refund company receives the valid tax refund form of the user corresponding to the credit tax refund request, at this time, if the tax refund partner has deducted the advance tax from the user's account, the tax refund company's The tax refund server 120 generates a refund request and sends the refund request to the cooperative tax refund server 130 of the tax refund partner.
  • the cooperative tax refund server 130 of the tax refund partner receives the credit tax refund request and the tax refund amount, analyzes the credit tax refund request, and obtains the identity information of the tax refund user.
  • the historical behavior information of the corresponding user is obtained according to the identity information of the tax refund user, such as: the user's education background, the user ’s historical integrity behavior, the user ’s consumption behavior, and so on.
  • set some credit evaluation rules such as: the user can not breach the contract within a certain period of time, the user has a bachelor's degree or above, etc., you can judge the user based on whether these historical behavior information meet the credit evaluation rules Whether it has good credit and grants credit-refunding qualifications to users with good credit.
  • the user's credit score is obtained based on the user's historical behavior information. The credit score is compared with the set threshold to determine whether the tax refund user is eligible for credit tax refund.
  • the cooperative tax refund server 130 of the tax refund partner regularly evaluates the credit of the registered user according to a preset evaluation rule, determines whether the user has good credit, and thus determines whether the user has the credit tax refund qualification. You can also determine whether the user has good credit for each tax refund request. Tax refund partners can introduce professional credit agencies and use historical behavior information to regularly evaluate the credit of registered users.
  • the cooperative tax refund server 130 of the tax refund partner queries the corresponding account according to the identity information of the tax refund user.
  • the account is obtained by the user's registration on the platform of the tax refund partner, and is related to the identity information of the tax refund user.
  • the corresponding account information can be obtained.
  • the cooperative tax refund server 130 of the tax refund partner needs to verify the account to ensure that the tax can enter the account when the tax is advanced. In practice, after the cooperative tax refund server 130 of the tax refund partner confirms whether the user has the credit tax refund qualification, it can also confirm whether the user signs a credit tax refund authorization agreement.
  • the credit rebate authorization agreement allows the user to set a time period and / or set the credit rebate authority that the user has within the number of rebates if the user has the credit rebate qualification. That is, the cooperative tax refund server 130 of the tax refund partner only confirms whether the user's credit meets the conditions once within a certain period of time or when obtaining a certain number of credit tax refund requests. Either way, the cooperative tax refund server 130 of the tax refund partner only obtains the corresponding account based on the identity information of the tax refund user if the user corresponding to the credit tax refund request has the credit tax refund qualification, and advances the tax equal to the refund amount to the corresponding account.
  • the cooperative tax refund server 130 of the tax refund partner issues a warning to the corresponding user based on the user breach information sent by the tax refund company and executes the corresponding punishment measures.
  • the advance tax is deducted from the user's account.
  • the server 130 of the refund partner will return the withheld tax to the refund request sent by the refund company.
  • Punishment measures can also add users to the credit blacklist, affecting other social behaviors of users.
  • the cooperative tax refund server 130 of the tax refund partner deletes the user from the blacklist.
  • the purpose of setting punitive measures is to encourage users to maintain good credit, thereby promoting social credit and civilization.
  • the tax refund server 120 of the tax refund company or the cooperative tax refund server 130 of the tax refund partner will set the tax refund amount according to Real-time exchange rate conversion, equivalent to the number of corresponding currencies.
  • the cooperative tax refund server 130 of the tax refund partner sends an equivalent amount of the corresponding currency to the account of the corresponding user.
  • the equivalent amount of the corresponding currency is the equivalent tax refund amount.
  • FIG. 1 schematically illustrates a credit refund processing environment 100 according to an embodiment of the present disclosure.
  • This technical solution can be implemented using a programmable computer language, such as java, C #, asp, C ++, C, Ruby, VC ++, VB , FoxPro. Not limited by computer programming language.
  • An embodiment of the present specification provides a credit tax refund method, as shown in FIG. 2.
  • the credit tax refund method can be applied to a cooperative tax refund server of a tax refund partner.
  • the server may be a background business server capable of providing financial services.
  • the background service server may be, for example, the Alipay background service server.
  • the server may be an electronic device with data calculation, storage, and network interaction functions; it may also be software running in the electronic device and providing support for data processing, storage, and network interaction.
  • the number of the servers is not specifically limited in this embodiment.
  • the server may be one server, or several servers, or a server cluster formed by several servers.
  • a credit tax refund method proposed in the embodiment of this specification includes:
  • Step 201) Receive a credit refund request and a refund amount.
  • the credit tax refund request is initiated by the user, and the request includes: the user's identity information, consumption information, and tax currency information.
  • the tax refund amount is determined based on consumption information.
  • the purpose of obtaining the identity information of the tax refund user is to determine whether the tax refund user who initiated the credit tax refund request is eligible for the credit tax refund.
  • the account information registered on the current financial platform is obtained according to the identity information of the tax refund user, and this account is used to receive the tax advances paid by the tax refund partner.
  • Step 203) Use the identity information of the tax refund user to determine whether the user corresponding to the credit tax refund request has a credit tax refund qualification.
  • the historical behavior information of the corresponding user is obtained according to the identity information of the tax refund user, such as: the user's education, the user's historical integrity behavior, the user's consumption behavior, and so on.
  • Set some credit evaluation rules such as: the user can not breach the contract within a certain period of time, the user has a bachelor's degree or above, and so on.
  • You can determine whether the user has a good Credit users with good credit are granted credit rebate eligibility.
  • the user's credit score is obtained based on the user's historical behavior information. The credit score is compared with a set threshold value, and when the user's credit score is greater than or equal to the set threshold value, the tax refund user is eligible for credit tax refund.
  • the credit of a registered user is regularly evaluated according to the credit evaluation rules to determine whether the user has good credit, thereby determining whether the user is eligible for a credit refund. You can also determine whether the user has good credit for each tax refund request. Tax refund partners can introduce professional credit agencies to conduct regular credit assessments of registered user behavior information.
  • the cooperative tax refund server of the tax refund partner queries the corresponding account according to the identity information of the tax refund user.
  • the account is obtained by the user's registration on the platform of the tax refund partner, and is related to the identity information of the tax refund user.
  • the cooperative tax refund server of the tax refund partner can obtain the corresponding account information after knowing the identity information of the tax refund user.
  • the account needs to be verified to ensure that the tax can enter the account when the tax is advanced. In practice, after confirming whether the user is eligible for credit tax refund, it can also be confirmed whether the user has signed a credit tax refund authorization agreement.
  • the credit rebate authorization agreement allows the user to set a time period and / or set the credit rebate authority that the user has within the number of rebates if the user has the credit rebate qualification. In other words, it is only confirmed whether the user's credit meets the conditions once within a certain period of time or when obtaining a certain number of credit tax refund requests. Either way, only if the user corresponding to the credit rebate request is eligible for credit rebate, the corresponding account is obtained based on the identity information of the tax rebate user, and the tax equivalent of the refund amount is advanced to the corresponding account.
  • the punishment measures can be: advance tax Deducted from the user's account.
  • the cooperative refund server of the refund partner will return the withheld tax to the user's account according to the refund request sent by the refund company. on.
  • Punishment measures can also add users to the credit blacklist, affecting other social behaviors of users.
  • the cooperative tax refund server of the tax refund partner deletes the user from the blacklist.
  • the purpose of setting punitive measures is to encourage users to maintain good credit, thereby promoting social credit and civilization.
  • the server may be a background business server capable of providing a tax refund service.
  • the background business server may be, for example, a tax refund service platform approved by the local government.
  • the server may be an electronic device with data calculation, storage, and network interaction functions; it may also be software that runs on the electronic device and provides support for data processing, storage, and network interaction.
  • the number of the servers is not specifically limited in this embodiment.
  • the server may be one server, or several servers, or a server cluster formed by several servers. Credit tax refund methods include:
  • Step 301) Receive a credit tax refund request; wherein the credit tax refund request includes identity information, account and consumption information of the tax refund user.
  • Step 302) Determine a tax refund amount according to the consumption information.
  • the tax refund server of the tax refund company receives the credit tax refund request, analyzes the credit tax refund request, obtains the consumption information corresponding to the request, and the tax refund company obtains the tax refund amount according to the calculation method of the tax refund amount.
  • the tax refund server of the tax refund company sends the credit tax refund request and the corresponding tax refund amount to the cooperative tax refund server of the tax refund partner.
  • the consumption information may refer to the current consumption situation corresponding to the current credit tax refund request, or it may refer to the multiple consumption situation that has been consumed when the current credit tax refund request was generated and the tax refund has not been performed.
  • a valid tax refund form is a tax refund certificate that meets the tax refund regulations within the agreed time, and the tax refund certificate has been verified by the customs.
  • the tax refund server of the tax refund company returns the tax equivalent to the refund amount to the cooperative tax refund server of the advancement agency when receiving the valid tax refund form of the user corresponding to the credit tax refund request, and the cooperative tax refund server of the advancement agency is also the tax refund cooperation Partner's server. Only tax refund forms that do not meet the tax refund rules cannot be verified by the customs, and they become invalid tax refund certificates.
  • the tax refund server 120 of the tax refund company generates the user default information without receiving a valid tax refund form of the user corresponding to the credit tax refund request, and sends the user default information to the cooperative tax refund server of the tax refund partner.
  • the tax refund server 120 of the tax refund company receives the valid tax refund form of the user corresponding to the credit tax refund request, at this time, if the tax refund partner has deducted the advance tax from the user's account, the tax refund company's The tax refund server generates a refund request and sends the refund request to the cooperative tax refund server of the tax refund partner.
  • this technical solution can enjoy the credit tax rebate service, so that the user can get the tax before leaving, and even get the return immediately after consumption.
  • the tax refund will be received by the customs when the user actually leaves the country, and the tax refund will be delivered to the tax refund company according to the agreed rules. There is no need to wait in line to apply for tax refund, and no need to open a bank card, which greatly improves the efficiency of tax refund. At the same time, it promotes users to maintain good credit and improves social credit.
  • FIG. 4 it is one of the functional block diagrams of a credit tax refund device according to an embodiment of the present specification. include:
  • a tax refund request obtaining unit 401 configured to receive a credit tax refund request and a tax refund amount
  • An analysis unit 402 configured to analyze the credit tax refund request to obtain identity information of the tax refund user
  • a credit tax refund qualification verification unit 403, configured to use the identity information of the tax refund user to determine whether the user corresponding to the credit tax refund request has a credit tax refund qualification;
  • the advance tax refund unit 404 is configured to obtain a corresponding account according to the identity information of the tax refund user if the user corresponding to the credit tax refund request has credit tax refund qualifications, and send tax equivalent to the tax refund amount to the corresponding account.
  • it further includes:
  • a feedback information generating unit configured to generate tax refund result information according to whether the tax refund user corresponding to the identity information has a credit tax refund qualification, an account, and a tax refund amount;
  • a first sending unit is configured to send the tax refund result information.
  • the credit tax refund qualification verification unit includes:
  • a historical behavior information acquisition module configured to acquire historical behavior information of a user corresponding to the credit refund request according to the identity information of the tax refund user;
  • An evaluation module is configured to evaluate a user's historical behavior information according to a credit rule to determine whether the user has a credit rebate qualification.
  • the advance tax refund unit includes:
  • a credit refund authority determination module is configured to determine whether the user has signed a credit refund authorization agreement if the user has a credit refund qualification; wherein the credit refund authorization agreement is for a user with credit refund qualification in a set period of time Credit rebate authority within and / or the number of rebates;
  • the tax refund module is used to obtain the corresponding account according to the identity information of the tax refund user if the user has signed a credit tax refund authorization agreement, and sends the tax equivalent to the tax refund amount to the corresponding account.
  • the evaluation module includes:
  • Credit molecular module which is used to evaluate the user's historical behavior information according to the credit rules and obtain the user's credit score
  • a judging sub-module is configured to obtain the credit tax refund qualification of the user corresponding to the credit tax refund request if the credit score of the user is greater than or equal to a credit threshold.
  • it further includes:
  • Receiving unit for receiving the equivalent amount of tax returned For
  • it further includes:
  • Default information receiving unit for receiving user default information
  • the default information analysis unit is used to analyze the user's default information and obtain the identity information, account and amount of the default user.
  • it further includes:
  • a withholding unit is used to deduct an equivalent amount of tax from the account.
  • it further includes:
  • Refund request analysis unit which is used to analyze the refund request and obtain the identity information, account and amount of the refund user
  • the first refund unit is configured to return an equivalent amount of tax to the account.
  • it further includes:
  • a breach warning unit is configured to generate breach warning information and send the breach warning information to a breach user; wherein the breach warning information includes a penalty punishment for breach of contract.
  • the second functional block diagram of a credit tax refund device As shown in FIG. 5, the second functional block diagram of a credit tax refund device according to an embodiment of the present specification. include:
  • a tax refund request receiving unit 501 is configured to receive a credit tax refund request; wherein the credit tax refund request includes identity information, account and consumption information of a tax refund user;
  • a second sending unit 503, configured to send the credit tax refund request and a corresponding tax refund amount
  • the feedback information receiving unit 504 is configured to receive tax refund result information corresponding to the credit tax refund request; the tax refund result information is obtained according to whether the tax refund user corresponding to the identity information has a credit tax refund qualification and a tax refund amount.
  • it further includes:
  • a second refund unit configured to transmit tax information equivalent to a refund amount to a server of a tax refund partner when a valid tax refund form of the user corresponding to the credit refund request is received; wherein the valid tax refund form is at Tax refund certificate that meets the tax refund rules within the agreed time.
  • it further includes:
  • a user default information generating unit configured to generate user default information if a valid tax refund form of the user corresponding to the credit tax refund request is not received;
  • the second sending unit is further configured to send the user default information to a cooperative tax refund server.
  • it further includes:
  • a refund request generating unit configured to generate a refund request if a valid tax refund form of a user corresponding to the credit tax refund request is received;
  • the second sending unit is configured to send a refund request to a cooperative tax refund server.
  • FIG. 6 it is a schematic diagram of interaction between terminals of various roles in a credit tax refund system according to an embodiment of the present specification.
  • the participating roles are: user terminal, overseas store system terminal, tax refund company system service terminal, credit institution system terminal, and tax refund partner system terminal.
  • the terminal of the tax refund partner system and the terminal of the credit institution system can also share a server terminal.
  • the terminal of the tax refund partner system is Alipay tax refund
  • the terminal of the credit institution system is sesame credit evaluation credit score.
  • the user After the user completes the shopping in the overseas store, the user applies for a credit refund through the credit refund request generated by the user terminal.
  • the overseas store system After the overseas store system obtains the credit refund request, it calls the tax refund company system to apply for a credit refund. Credit signing user tax refund authorization (successful if the set score is met), then Alipay signs the withholding agreement; finally, the system service terminal of the tax refund company calls Alipay to initiate a credit tax refund request; Alipay accepts the tax refund request and advances the funds to the user account, and the user receives the tax .
  • the paper tax refund form is stamped by the customs and delivered to the designated mailbox of the tax refund company.
  • a successful electronic tax refund certificate is generated through the customs departure confirmation system, and the electronic tax refund certificate is transmitted to the server of the tax refund company via the network.
  • the tax refund company received the user's tax refund form, and the credit history of the user's credit history. If the tax refund company does not receive the user's tax refund form within the agreed time, it initiates a withholding, and Alipay deducts the advance tax from the user account, and synchronizes the default information to the sesame credit agency.
  • the tax refund company initiates a refund request, and Alipay refunds the tax refund amount to the user's account and synchronizes to the sesame credit agency to avoid affecting the user's credit score.
  • the tax refund company will return the tax corresponding to the tax refund certificate to Alipay.
  • Alipay can receive the advance tax from the tax refund company, and realize the settlement between the tax refund company and the tax refund partner.
  • FIG. 7 it is a schematic diagram of an electronic device according to an embodiment of the present specification.
  • the method includes a memory, a processor, and a computer program stored on the memory and executable on the processor.
  • the processor executes the computer program, the credit tax refund method described in FIG. 2 and FIG. 3 is implemented.
  • the memory may include a physical device for storing information. Generally, the information is digitized and then stored in a medium using electricity, magnetic, or optical methods.
  • the memory according to this embodiment may further include: a device that stores information by using electric energy, such as RAM, ROM, etc .; a device that stores information by using magnetic energy, such as hard disk, floppy disk, magnetic tape, magnetic core memory, magnetic bubble memory, U disk ; Devices that store information optically, such as CDs or DVDs.
  • a device that stores information by using electric energy such as RAM, ROM, etc .
  • magnetic energy such as hard disk, floppy disk, magnetic tape, magnetic core memory, magnetic bubble memory, U disk
  • Devices that store information optically such as CDs or DVDs.
  • quantum memory graphene memory, and so on.
  • the processor may be implemented in any suitable manner.
  • the processor may take, for example, a microprocessor or processor and a computer-readable medium, logic gate, switch, dedicated integration storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor.
  • Circuit Application Specific Integrated Circuit, ASIC
  • programmable logic controller and embedded microcontroller form, etc.
  • the embodiment of the present specification further provides a readable storage medium on which a computer program is stored, and when the computer program is executed, the steps of the credit tax refund method described above are implemented.
  • the method steps can be logically programmed to make the client and server use logic gates, switches, application specific integrated circuits, and programmable logic. Controller and embedded microcontroller to achieve the same function. Therefore, such a client and a server can be considered as a hardware component, and a device included in the client and the server for implementing various functions can also be considered as a structure within the hardware component. Or even, the means for implementing various functions may be regarded as a structure that can be both a software module implementing the method and a hardware component.
  • program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types.
  • This specification can also be practiced in distributed computing environments in which tasks are performed by remote processing devices connected through a communication network.
  • program modules may be located in local and remote computer storage media, including storage devices.
  • a programmable logic device Programmable Logic Device (PLD)
  • PLD Programmable Logic Device
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • VHDL Very-High-Speed Integrated Circuit Hardware Description Language
  • Verilog Verilog
  • the controller may be implemented in any suitable way, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, With the Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the memory's control logic.
  • the controller may take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited
  • controller logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded controllers by logically programming the method steps.
  • Microcontrollers and the like to achieve the same function. Therefore, such a controller can be regarded as a hardware component, and a device included in the controller for implementing various functions can also be regarded as a structure within the hardware component. Or even, the means for realizing various functions can be regarded as a structure that can be both a software module for implementing the method and a hardware component.
  • the system, device, module, or unit described in the foregoing embodiments may be specifically implemented by a computer chip or entity, or a product with a certain function.
  • a typical implementation device is a computer.
  • the computer may be, for example, a personal computer, a laptop computer, a vehicle-mounted human-computer interaction device, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, and a tablet.
  • a computer, a wearable device, or a combination of any of these devices may be, for example, a personal computer, a laptop computer, a vehicle-mounted human-computer interaction device, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, and a tablet.
  • a computer, a wearable device, or a combination of any of these devices are examples of any of these devices.
  • each module may be implemented in the same or multiple software and / or hardware, or the module that implements the same function may be implemented by a combination of multiple submodules or subunits.
  • the device embodiments described above are only schematic.
  • the division of the unit is only a logical function division.
  • multiple units or components may be combined or integrated.
  • the displayed or discussed mutual coupling or direct coupling or communication connection may be indirect coupling or communication connection through some interfaces, devices or units, which may be electrical, mechanical or other forms.
  • controller logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded controllers by logically programming the method steps.
  • Microcontrollers and the like to achieve the same function. Therefore, such a controller can be considered as a hardware component, and the device included in the controller for implementing various functions can also be considered as a structure within the hardware component. Or even, the means for implementing various functions may be regarded as a structure that can be both a software module implementing the method and a hardware component.
  • These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to work in a specific manner such that the instructions stored in the computer-readable memory produce a manufactured article including an instruction device, the instructions
  • the device implements the functions specified in one or more flowcharts and / or one or more blocks of the block diagram.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of steps can be performed on the computer or other programmable device to produce a computer-implemented process, which can be executed on the computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more flowcharts and / or one or more blocks of the block diagrams.
  • a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.
  • processors CPUs
  • input / output interfaces output interfaces
  • network interfaces network interfaces
  • memory volatile and non-volatile memory
  • Memory may include non-persistent memory, random access memory (RAM), and / or non-volatile memory in computer-readable media, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
  • RAM random access memory
  • ROM read-only memory
  • flash RAM flash memory
  • Computer-readable media includes permanent and non-persistent, removable and non-removable media.
  • Information storage can be accomplished by any method or technology.
  • Information may be computer-readable instructions, data structures, modules of a program, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), and read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transmitting medium may be used to store information that can be accessed by a computing device.
  • computer-readable media does not include temporary computer-readable media, such as modulated data signals and carrier waves.
  • the embodiments of the present specification may be provided as a method, a system, or a computer program product. Therefore, the embodiments of the present specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the embodiments of the present specification may take the form of a computer program product implemented on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.
  • computer-usable storage media including, but not limited to, disk storage, CD-ROM, optical storage, etc.
  • Embodiments of the specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules.
  • program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types.
  • the embodiments of the present specification can also be practiced in distributed computing environments, in which tasks are performed by remote processing devices connected through a communication network.
  • program modules may be located in local and remote computer storage media, including storage devices.

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Abstract

一种信用退税方法、装置、系统及电子设备，所述信用退税方法包括：接收信用退税请求和退税金额（201）；对所述信用退税请求进行解析，获得退税用户的身份信息（202）；利用所述退税用户的身份信息确定所述信用退税请求对应的用户是否具有信用退税资格（203）；在所述信用退税请求对应的用户具有信用退税资格的情况下，根据退税用户的身份信息获得对应账户，将等同退税金额的税金发送至对应账户（204）。

Description

一种信用退税方法、装置、系统及电子设备 技术领域
本说明书涉及数据处理技术领域，特别涉及一种信用退税方法、装置、系统及电子设备。
背景技术
境外游出现人次越来越高，退税是大家境外购物后必须的环节。传统地退税方式都是旅客在进行离境退税时，需要去海关进行退税验证审核。在验证审核成功后，旅客到退税公司办理退税，需要在海关和退税公司之间奔波。有时，旅客还会遇到排队现象。因此，现有的方式退税效率低，造成用户体验度不高。
发明内容
本说明书实施方式的目的是提供一种信用退税方法、装置、系统及电子设备，根据旅客的历史行为信息确定是否具有信用退税资格，具有信用退税资格的用户就可以还没有离境时提前获得消费产生的税金，有效提高退税效率。
为实现上述目的，本说明书实施方式提供一种信用退税方法，包括:
接收信用退税请求和退税金额；
对所述信用退税请求进行解析，获得退税用户的身份信息；
利用所述退税用户的身份信息确定所述信用退税请求对应的用户是否具有信用退税资格；
在所述信用退税请求对应的用户具有信用退税资格的情况下，根据退税用户的身份信息获得对应账户，将等同退税金额的税金发送至对应账户。
为实现上述目的，本说明书实施方式提供一种信用退税装置，包括：
退税请求获取单元，用于接收信用退税请求和退税金额；
退税请求解析单元，用于对所述信用退税请求进行解析，获得退税用户的身份信息；
信用退税资格验证单元，用于利用所述退税用户的身份信息确定所述信用退税请 求对应的用户是否具有信用退税资格；
垫付退税单元，用于在所述信用退税请求对应的用户具有信用退税资格的情况下，根据退税用户的身份信息获得对应账户，将等同退税金额的税金发送至对应账户。
为实现上述目的，本说明书实施方式提供另一种信用退税方法，包括：
接收信用退税请求；其中，所述信用退税请求中包括退税用户的身份信息、账户和消费信息；
根据所述消费信息确定退税金额；
发送所述信用退税请求及对应退税金额；
接收所述信用退税请求对应的退税结果信息；所述退税结果信息是根据所述身份信息对应的退税用户是否具有信用退税资格、退税金额得到的。
为实现上述目的，本说明书实施方式提供另一种信用退税装置，包括：
退税请求接收单元，用于接收信用退税请求；其中，所述信用退税请求中包括退税用户的身份信息、账户和消费信息；
退税金额确定单元，用于根据所述消费信息确定退税金额；
第二发送单元，用于发送所述信用退税请求及对应退税金额；
反馈信息接收单元，用于接收所述信用退税请求对应的退税结果信息；所述退税结果信息是根据所述身份信息对应的退税用户是否具有信用退税资格、退税金额得到的。
为实现上述目的，本说明书实施方式提供一种电子设备，包括存储器、处理器以及存储在所述存储器上并可在所述处理器上运行的计算机程序，所述处理器执行所述计算机程序时实现上述所述的信用退税方法。
为实现上述目的，本说明书实施方式提供一种可读存储介质，其上存储有计算机程序，所述计算机程序被执行时实现上述所述的信用退税方法的步骤。
为实现上述目的，本说明书实施方式提供一种信用退税系统，包括：上述两种信用退税装置。
由上可见，与现有技术相比较，本技术方案只要用户具有信用退税资格，即可享受信用退税服务，使得还没有离境时用户就可以拿到税金，甚至消费完后立刻拿到返回的税金，等到用户真正离境时获得海关审核过的退税单，将退税单按照约定规则送达退 税公司即可。无需排队申请退税，更无需开通银行卡，大大提高了退税效率。同时，促使用户维护良好的信用，提升了社会信用度。
附图说明
为了更清楚地说明本说明书实施方式或现有技术中的技术方案，下面将对实施方式或现有技术描述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说明书中记载的一些实施方式，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他的附图。
图1为本技术方案的应用场景示意图；
图2为本说明书实施例提出的一种信用退税方法流程图之一；
图3为本说明书实施例提出的一种信用退税方法流程图之二；
图4为本说明书实施例提出的一种信用退税装置功能框图之一；
图5为本说明书实施例提出的一种信用退税装置功能框图之二；
图6为本说明书实施例的信用退税系统中各角色终端交互示意图；
图7为本说明书实施例提出的一种电子设备示意图。
具体实施方式
下面将结合附图，对本公开实施例中的技术方案进行清楚、完整地描述参考在附图中示出并在以下描述中详述的非限制性示例实施例，更加全面地说明本公开的示例实施例和它们的多种特征及有利细节。应注意的是，图中示出的特征不是必须按照比例绘制。本公开省略了已知材料、组件和工艺技术的描述，从而不使本公开的示例实施例模糊。所给出的示例仅旨在有利于理解本公开示例实施例的实施，以及进一步使本领域技术人员能够实施示例实施例。因而，这些示例不应被理解为对本公开的实施例的范围的限制。
除非另外特别定义，本公开使用的技术术语或者科学术语应当为本公开所属领域内具有一般技能的人士所理解的通常意义。本公开中使用的“第一”、“第二”以及类似的词语并不表示任何顺序、数量或者重要性，而只是用来区分不同的组成部分。此外，在本公开各个实施例中，相同或类似的参考标号表示相同或类似的构件。
本技术方案只要用户具有信用退税资格，即可享受信用退税的服务。这种新型的担保方式允许让用户还没有离境就提前拿到税金。并且，用户不一定必须拥有指定银行的信用卡才能申请退税，因而避免因信用卡额度小于退税金额而不能退税的情况发生。同时，也便于促使用户维护良好信用，从而促进社会信用和文明度的提升。
如图1所示，为本技术方案的应用场景示意图。下面为了简单起见，结合专业应用说明该信用退税场景100。在本应用场景中，用户使用移动终端101～105生成并发送信用退税请求。信用退税请求可以在消费完成后生成，也可以在消费后一段时间、且还没有离境时生成，或从海关拿到退税凭证后在退税期限内生成。图1所示的应用场景下，信用退税请求为用户的移动终端发起，直接发送至退税公司的退税服务器120上。还可以在实时消费结算时，用户移动终端发送的信用退税请求被商家服务器接收，商家服务器再将此次消费对应的信用退税请求发送至退税公司的退税服务器120上，这种方式并没有在图1所示。
在本应用场景中，移动终端101～105可以指代各种拥有网络接入功能、搭载各种操作系统，该操作系统包括但不限于iOS、Android、Windows Phone等。移动终端还可以根据用户需求定制各种功能的终端设备，包括但不限于智能手机、平板电脑、智能可穿戴设备等。此外，在移动终端101～105中安装有相关的信用退税应用APP，从而信用退税请求可以由用户使用移动终端101～105中的信用退税应用APP生成。
退税公司的退税服务器120接收到信用退税请求，对信用退税请求进行解析，获得该请求对应的消费信息，退税公司会根据退税额的计算方法获得退税金额。退税公司的退税服务器120将信用退税请求及对应的退税金额发送至退税合作伙伴的合作退税服务器130上。在实际中，消费信息可以指代当前信用退税请求对应的当前次的消费情况，也可以指代产生当前信用退税请求时已消费、且未执行退税的多次消费情况。
对于本技术方案来说，通过用户信用情况作为担保，让用户在境外消费后还没有离境时就可以提前拿到税金，提前拿到的税金为退税合作伙伴垫付。这就需要用户后补经过海关验证审核成功的退税单，退税公司在拿到有效的退税单后，将该退税单对应的税金返还给退税合作伙伴。在实际中，有效的退税单是在约定时间内符合退税规定的退税凭证，该退税凭证经过海关验证审核的。退税公司的退税服务器120在收到所述信用退税请求对应的用户的有效退税单的情况下，将等同退税金额的税金返还给垫付机构的合作退税服务器，该垫付机构的合作退税服务器也即退税合作伙伴的服务器。只有不符合退税规定的退税单是不能获得海关验证审核的，也就成为无效的退税凭证。退税公司 的退税服务器120在未收到所述信用退税请求对应的用户的有效退税单的情况下生成用户违约信息，发送该用户违约信息至退税合作伙伴的合作退税服务器130上。在此基础上，退税公司的退税服务器120又收到该信用退税请求对应的用户的有效退税单后，此时，假如退税合作伙伴已经将垫付的税金从用户的账户上扣除，需要退税公司的退税服务器120生成退款请求，并将该退款请求发送至退税合作伙伴的合作退税服务器130上。
退税合作伙伴的合作退税服务器130接收信用退税请求和退税金额，对信用退税请求进行解析，获得退税用户的身份信息。其中，根据退税用户的身份信息获得对应用户的历史行为信息，比如：用户学历、用户的历史诚信行为、用户的消费行为等等。在实际中，设定一些信用评判规则，比如：在一定的时间段内用户不能出现违约行为，用户具有本科及以上学位等等条件，可以根据这些历史行为信息是否符合信用评判规则来判断该用户是否具有良好的信用，将具有良好信用的用户授予信用退税资格。为更精准的判断用户的信用情况，按照约定换算标准，根据用户的历史行为信息获得该用户的信用分。将信用分与设置的阈值进行比较，确定退税用户是否具有信用退税资格。
在实际中，退税合作伙伴的合作退税服务器130根据预设的评估规则对注册用户的信用定期评估，确定该用户是否具有良好的信用，从而确定该用户是否具有信用退税资格。也可以针对每次退税请求来确定用户是否具有良好的信用。退税合作伙伴可以引入专业的信用机构，利用历史行为信息对注册用户的信用定期评估。
一旦确定退税用户具有信用退税资格，退税合作伙伴的合作退税服务器130根据退税用户的身份信息查询出对应的账户。账户为用户在退税合作伙伴的平台上注册获取的，与退税用户的身份信息具有关联性。在获知退税用户的身份信息的情况下，就可以获得对应的账户信息，退税合作伙伴的合作退税服务器130需要对该账户进行校验，确保垫付税金时，税金能够进入该账户内。在实际中，退税合作伙伴的合作退税服务器130确认了用户是否具有信用退税资格之后，还可以确认用户是否签约信用退税授权协议。该信用退税授权协议为用户具有信用退税资格的情况下允许设定时间段和/或设定退税次数内用户具有的信用退税权限。也就是说，退税合作伙伴的合作退税服务器130在一定的时间段内或获取一定次数的信用退税请求时才确认一次用户的信用是否满足条件。不管哪种方式，退税合作伙伴的合作退税服务器130只有在信用退税请求对应的用户具有信用退税资格的情况下根据退税用户的身份信息获得对应账户，将等同退税金额的税金垫付至对应账户。一旦退税公司没有按照约定收到用户反馈的有效退税凭证，退税合作伙伴的合作退税服务器130根据退税公司发送过来的用户违约信息向对应用户提出警 示，并执行相应的惩罚措施，惩罚措施可以为：将垫付的税金从用户的账户上扣除，这种情况下，如果退税用户提供了有效的退税凭证，退税合作伙伴的服务器130根据退税公司发送过来的退款请求，将代扣的税金再返还至用户的账户上。惩罚措施还也可以将用户加入信用黑名单中，影响用户的其他社会行为。这种情况下，退税合作伙伴的合作退税服务器130就将该用户从黑名单上删除掉。设置惩罚措施的目的在于促使用户维护良好信用，从而促进社会信用和文明度的提升。
在实际应用中，为方便用户的实际需求，如果用户想获得当前消费的税金，且希望该税金为某种币种，退税公司的退税服务器120或退税合作伙伴的合作退税服务器130将退税金额按照实时汇率换算，等价成对应币种数量。退税合作伙伴的合作退税服务器130将等价的对应币种数量发送至对应用户的账户中。该等价的对应币种数量即等同的退税金额。在本技术方案中，用户的移动终端生成信用退税请求时，包含有税金的币种信息。
图1示意性地说明了根据本公开的实施例的信用退税处理环境100，该技术方案可使用可编程的计算机语言均可以实施，如java、C#、asp、C++、C、Ruby、VC++、VB、FoxPro。不受到计算机编程语言的限制。
基于上述应用场景描述，为使本发明的上述目的、特征和优点能够更加明显易懂，下面结合实例和附图对本发明作进一步详细的说明。
本说明书实施方式提供一种信用退税方法，如图2所示。其中，所述信用退税方法可以应用于退税合作伙伴的合作退税服务器中。具体地，所述服务器可以是能够提供金融服务的后台业务服务器。后台业务服务器例如可以是支付宝后台业务服务器等。在本实施方式中，所述服务器可以为一个具有数据运算、存储功能以及网络交互功能的电子设备；也可以为运行于该电子设备中，为数据处理、存储和网络交互提供支持的软件。在本实施方式中并不具体限定所述服务器的数量。所述服务器可以为一个服务器，还可以为几个服务器，或者，若干服务器形成的服务器集群。本说明书实施例提出的一种信用退税方法包括：
步骤201)：接收信用退税请求和退税金额。
在本实施例中，信用退税请求为用户方发起，该请求包括：用户的身份信息、消费信息、税金币种信息。退税金额就是根据消费信息确定。
步骤202)：对所述信用退税请求进行解析，获得退税用户的身份信息。
在本实施例中，获得退税用户的身份信息的目的在于判断发起信用退税请求的退税用户是否具有信用退税的资格。并根据退税用户的身份信息获得当前金融平台上注册的账户信息，该账户用于接收退税合作伙伴垫付的税金。
步骤203)：利用所述退税用户的身份信息确定所述信用退税请求对应的用户是否具有信用退税资格。
在实际应用中，根据退税用户的身份信息获得对应用户的历史行为信息，比如：用户学历、用户的历史诚信行为、用户的消费行为等等。设定一些信用评判规则，比如：在一定的时间段内用户不能出现违约行为，用户具有本科及以上学位等等条件，可以根据这些历史行为信息是否符合信用评判规则来判断该用户是否具有良好的信用，将具有良好信用的用户授予信用退税资格。为更精准的判断用户的信用情况，按照约定换算标准，根据用户的历史行为信息获得该用户的信用分。将信用分与设置的阈值进行比较，用户的信用分大于等于设定的阈值时，该退税用户具有信用退税资格。
在实际中，根据信用评判规则对注册用户的信用定期评估，确定该用户是否具有良好的信用，从而确定该用户是否具有信用退税资格。也可以针对每次退税请求来确定用户是否具有良好的信用。退税合作伙伴可以引入专业的信用机构来对注册用户的行为信息定期信用评估。
步骤204)：在所述信用退税请求对应的用户具有信用退税资格的情况下，根据退税用户的身份信息获得对应账户，将等同退税金额的税金发送至对应账户。
在本实施例中，一旦确定退税用户具有信用退税资格，退税合作伙伴的合作退税服务器根据退税用户的身份信息查询出对应的账户。账户为用户在退税合作伙伴的平台上注册获取的，与退税用户的身份信息具有关联性。退税合作伙伴的合作退税服务器在获知退税用户的身份信息的情况下，就可以获得对应的账户信息，需要对该账户进行校验，确保垫付税金时，税金能够进入该账户内。在实际中，确认了用户是否具有信用退税资格之后，还可以确认用户是否签约信用退税授权协议。该信用退税授权协议为用户具有信用退税资格的情况下允许设定时间段和/或设定退税次数内用户具有的信用退税权限。也就是说，在一定的时间段内或获取一定次数的信用退税请求时才确认一次用户的信用是否满足条件。不管哪种方式，只有在信用退税请求对应的用户具有信用退税资格的情况下根据退税用户的身份信息获得对应账户，将等同退税金额的税金垫付至对应账户。
在实际中，一旦退税公司没有按照约定收到用户反馈的有效退税凭证，根据退税公司发送过来的用户违约信息向对应用户提出警示，并执行相应的惩罚措施，惩罚措施可以为：将垫付的税金从用户的账户上扣除，这种情况下，如果退税用户提供了有效的退税凭证，退税合作伙伴的合作退税服务器根据退税公司发送过来的退款请求，将代扣的税金再返还至用户的账户上。惩罚措施还也可以将用户加入信用黑名单中，影响用户的其他社会行为。这种情况下，退税合作伙伴的合作退税服务器就将该用户从黑名单上删除掉。设置惩罚措施的目的在于促使用户维护良好信用，从而促进社会信用和文明度的提升。
如图3所示，为本发明实施例提出的一种信用退税方法流程图之二。本方法应用于退税公司的退税服务器上。服务器可以是能够提供退税服务的后台业务服务器。后台业务服务器例如可以是经当地国家政府许可的退税服务平台。在本实施方式中，所述服务器可以为一个具有数据运算、存储功能以及网络交互功能的电子设备；也可以为运行于该电子设备中，为数据处理、存储和网络交互提供支持的软件。在本实施方式中并不具体限定所述服务器的数量。所述服务器可以为一个服务器，还可以为几个服务器，或者，若干服务器形成的服务器集群。信用退税方法包括：
步骤301)：接收信用退税请求；其中，所述信用退税请求中包括退税用户的身份信息、账户和消费信息。
步骤302)：根据所述消费信息确定退税金额。
在本实施例中，退税公司的退税服务器接收到信用退税请求，对信用退税请求进行解析，获得该请求对应的消费信息，退税公司会根据退税额的计算方法获得退税金额。退税公司的退税服务器将信用退税请求及对应的退税金额发送至退税合作伙伴的合作退税服务器上。
在实际中，消费信息可以指代当前信用退税请求对应的当前次的消费情况，也可以指代产生当前信用退税请求时已消费、且未执行退税的多次消费情况。
步骤303)：发送所述信用退税请求及对应退税金额。
步骤304)：接收所述信用退税请求对应的退税结果信息；所述退税结果信息是根据所述身份信息对应的退税用户是否具有信用退税资格、退税金额得到的。
对于本技术方案来说，通过用户信用情况作为担保，让用户在境外消费后还没有离境时就可以提前拿到税金，提前拿到的税金为退税合作伙伴垫付。这就需要用户后补 经过海关验证审核成功的退税单，退税公司在拿到有效的退税单后，将该退税单对应的税金返还给退税合作伙伴。在实际中，有效的退税单是在约定时间内符合退税规定的退税凭证，该退税凭证经过海关验证审核的。退税公司的退税服务器在收到所述信用退税请求对应的用户的有效退税单的情况下，将等同退税金额的税金返还给垫付机构的合作退税服务器，该垫付机构的合作退税服务器也即退税合作伙伴的服务器。只有不符合退税规定的退税单是不能获得海关验证审核的，也就成为无效的退税凭证。退税公司的退税服务器120在未收到所述信用退税请求对应的用户的有效退税单的情况下生成用户违约信息，发送该用户违约信息至退税合作伙伴的合作退税服务器上。在此基础上，退税公司的退税服务器120又收到该信用退税请求对应的用户的有效退税单后，此时，假如退税合作伙伴已经将垫付的税金从用户的账户上扣除，需要退税公司的退税服务器生成退款请求，并将该退款请求发送至退税合作伙伴的合作退税服务器上。
由图2和图3公开的技术方案可知，本技术方案只要用户具有信用退税资格，即可享受信用退税服务，使得还没有离境时用户就可以拿到税金，甚至消费完后立刻拿到返回的税金，等到用户真正离境时获得海关审核过的退税单，将退税单按照约定规则送达退税公司即可。无需排队申请退税，更无需开通银行卡，大大提高了退税效率。同时，促使用户维护良好的信用，提升了社会信用度。
如图4所示，为本说明书实施例提出的一种信用退税装置功能框图之一。包括：
退税请求获取单元401，用于接收信用退税请求和退税金额；
解析单元402，用于对所述信用退税请求进行解析，获得退税用户的身份信息；
信用退税资格验证单元403，用于利用所述退税用户的身份信息确定所述信用退税请求对应的用户是否具有信用退税资格；
垫付退税单元404，用于在所述信用退税请求对应的用户具有信用退税资格的情况下，根据退税用户的身份信息获得对应账户，将等同退税金额的税金发送至对应账户。
在本实施例中，还包括：
反馈信息生成单元，用于根据所述身份信息对应的退税用户是否具有信用退税资格、账户、退税金额生成退税结果信息；
第一发送单元，用于发送所述退税结果信息。
在本实施例中，所述信用退税资格验证单元包括：
历史行为信息获取模块，用于根据所述退税用户的身份信息获取所述信用退税请求对应的用户的历史行为信息；
评估模块，用于根据信用规则对用户的历史行为信息进行评估来确定所述用户是否具有信用退税资格。
在本实施例中，所述垫付退税单元包括：
信用退税权限确定模块，用于在所述用户具有信用退税资格的情况下，判断所述用户是否签约信用退税授权协议；其中，所述信用退税授权协议为具有信用退税资格用户在设定时间段内和/或退税次数内具有的信用退税权限；
退税模块，用于如果用户签约了信用退税授权协议，则用户具有信用退税权限，根据退税用户的身份信息获得对应账户，将等同退税金额的税金发送至对应账户。
在本实施例中，所述评估模块包括：
信用分子模块，用于根据信用规则对用户的历史行为信息进行评估，获得用户的信用分；
判断子模块，用于如果用户的信用分大于等于信用阈值，则所述信用退税请求对应的用户获取信用退税资格。
在本实施例中，还包括：
接收还款单元，用于接收返还过来的等同金额的税金。
在本实施例中，还包括：
违约信息接收单元，用于接收用户违约信息；
违约信息解析单元，用于对用户违约信息进行解析，获得违约用户的身份信息、账户及金额。
在本实施例中，还包括：
代扣单元，用于将等同金额的税金从所述账户中扣除。
在本实施例中，还包括：
退款请求单元，用于接收退款请求；
退款请求解析单元，用于对退款请求进行解析，获得退款用户的身份信息、账户及金额；
第一返还单元，用于将等同金额的税金返还至所述账户中。
在本实施例中，还包括：
违约警示单元，用于生成违约警示信息，将所述违约警示信息发送至违约用户；其中，所述违约警示信息包括违约惩罚措施。
如图5所示，为本说明书实施例提出的一种信用退税装置功能框图之二。包括：
退税请求接收单元501，用于接收信用退税请求；其中，所述信用退税请求中包括退税用户的身份信息、账户和消费信息；
退税金额确定单元502，用于根据所述消费信息确定退税金额；
第二发送单元503，用于发送所述信用退税请求及对应退税金额；
反馈信息接收单元504，用于接收所述信用退税请求对应的退税结果信息；所述退税结果信息是根据所述身份信息对应的退税用户是否具有信用退税资格、退税金额得到的。
在本实施例中，还包括：
第二返还单元，用于在收到所述信用退税请求对应的用户的有效退税单的情况下，将等同退税金额的税金信息传输至退税合作伙伴的服务器；其中，所述有效退税单是在约定时间内符合退税规定的退税凭证。
在本实施例中，还包括：
用户违约信息生成单元，用于在未收到所述信用退税请求对应的用户的有效退税单的情况下生成用户违约信息；
所述第二发送单元，还用于发送所述用户违约信息至合作退税服务器。
在本实施例中，还包括：
退款请求生成单元，用于又收到所述信用退税请求对应的用户的有效退税单的情况下生成退款请求；
所述第二发送单元，用于发送退款请求至合作退税服务器。
如图6所示，为本说明书实施例的信用退税系统中各角色终端交互示意图。在该系统中，参与角色为：用户终端、境外商店系统终端、退税公司系统服务终端、信用机构系统终端、退税合作伙伴系统终端。其中，退税合作伙伴系统终端与信用机构系统终 端也可以共用一服务器终端。在本实施例中，退税合作伙伴系统终端为支付宝退税，信用机构系统终端为芝麻信用评估信用分。
用户在境外商店内购物完成后，通过用户终端产生信用退税请求来申请信用退税，境外商店系统获得该信用退税请求后调用退税公司系统申请信用退税，退税公司系统服务终端调用支付宝，支付宝再调用芝麻信用签约用户退税授权(满足设定分数才能成功)，然后支付宝签约代扣协议；最后退税公司系统服务终端调用支付宝发起信用退税请求；支付宝受理退税请求并垫资放款至用户账户，用户收到税金。
用户在海关进行离境确认时，将纸质退税单海关盖章并投递到退税公司指定邮箱中。或者，通过海关离境确认系统产生验核成功的电子退税凭证，该电子退税凭证通过网络传输至退税公司服务器。
退税公司在约定的收到用户退税单，芝麻信用记录用户信用足迹。如果退税公司未在约定时间收到用户退税单，则发起代扣，支付宝将垫付的税金从用户账户上扣除，并将该违约信息同步给芝麻信用机构。
如果后续退税公司又收到了用户退税单，则退税公司发起退款请求，支付宝将退税金额退款至用户账户，并同步给芝麻信用机构，以免影响用户的信用评分。
在实际中，退税公司收到有效的退税凭证后，将该退税凭证对应的税金返还给支付宝。支付宝就可以从退税公司收到垫付的税金，实现退税公司与退税合作伙伴之间的清结算。
本技术方案只要用户具有信用退税资格，即可享受信用退税的服务。这种新型的担保方式实现让用户提前拿到税金。并且，用户不一定必须拥有指定银行的信用卡才能申请退税，因而避免因信用卡额度小于退税金额而不能退税的情况发生。同时，也便于促使用户维护良好信用，从而促进社会信用和文明度的提升。
如图7所示，为本说明书实施例提出的一种电子设备示意图。包括存储器、处理器以及存储在所述存储器上并可在所述处理器上运行的计算机程序，所述处理器执行所述计算机程序时实现上述图2和图3所述的信用退税方法。
本说明书实施方式提供的信用退税方法，其存储器和处理器实现的具体功能，可以与本说明书中的前述实施方式相对照解释，并能够达到前述实施方式的技术效果，这里便不再赘述。
在本实施方式中，所述存储器可以包括用于存储信息的物理装置，通常是将信息 数字化后再以利用电、磁或者光学等方法的媒体加以存储。本实施方式所述的存储器又可以包括：利用电能方式存储信息的装置，如RAM、ROM等；利用磁能方式存储信息的装置，如硬盘、软盘、磁带、磁芯存储器、磁泡存储器、U盘；利用光学方式存储信息的装置，如CD或DVD。当然，还有其他方式的存储器，例如量子存储器、石墨烯存储器等等。
在本实施方式中，所述处理器可以按任何适当的方式实现。例如，所述处理器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式等等。
在本实施例中，本说明书实施例还提供一种可读存储介质，其上存储有计算机程序，所述计算机程序被执行时实现上述所述的信用退税方法的步骤。
本领域技术人员也知道，除了以纯计算机可读程序代码方式实现客户端和服务器以外，完全可以通过将方法步骤进行逻辑编程来使得客户端和服务器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种客户端和服务器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
通过以上的实施方式的描述可知，本领域的技术人员可以清楚地了解到本说明书可借助软件加必需的通用硬件平台的方式来实现。基于这样的理解，本说明书的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品可以存储在存储介质中，如ROM/RAM、磁碟、光盘等，包括若干指令用以使得一台计算机设备(可以是个人计算机，服务器，或者网络设备等)执行本说明书各个实施方式或者实施方式的某些部分所述的方法。
本说明书中的各个实施方式均采用递进的方式描述，各个实施方式之间相同相似的部分互相参见即可，每个实施方式重点说明的都是与其他实施方式的不同之处。尤其，针对客户端和服务器的实施方式来说，均可以参照前述方法的实施方式的介绍对照解释。
本说明书可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本说明书，在这些分布式 计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
在20世纪90年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device,PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各 种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、车载人机交互设备、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
虽然本说明书实施例提供了如实施例或流程图所述的方法操作步骤，但基于常规或者无创造性的手段可以包括更多或者更少的操作步骤。实施例中列举的步骤顺序仅仅为众多步骤执行顺序中的一种方式，不代表唯一的执行顺序。在实际中的装置或终端产品执行时，可以按照实施例或者附图所示的方法顺序执行或者并行执行(例如并行处理器或者多线程处理的环境，甚至为分布式数据处理环境)。术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、产品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、产品或者设备所固有的要素。在没有更多限制的情况下，并不排除在包括所述要素的过程、方法、产品或者设备中还存在另外的相同或等同要素。
为了描述的方便，描述以上装置时以功能分为各种模块分别描述。当然，在实施本说明书实施例时可以把各模块的功能在同一个或多个软件和/或硬件中实现，也可以将实现同一功能的模块由多个子模块或子单元的组合实现等。以上所描述的装置实施例仅仅是示意性的，例如，所述单元的划分，仅仅为一种逻辑功能划分，实际实现时可以有另外的划分方式，例如多个单元或组件可以结合或者可以集成到另一个系统，或一些特征可以忽略，或不执行。另一点，所显示或讨论的相互之间的耦合或直接耦合或通信连接可以是通过一些接口，装置或单元的间接耦合或通信连接，可以是电性，机械或其它的形式。
本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内部包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流 程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
本领域技术人员应明白，本说明书的实施例可提供为方法、系统或计算机程序产 品。因此，本说明书实施例可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本说明书实施例可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本说明书实施例可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本说明书实施例，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。在本说明书的描述中，参考术语“一个实施例”、“一些实施例”、“示例”、“具体示例”、或“一些示例”等的描述意指结合该实施例或示例描述的具体特征、结构、材料或者特点包含于本说明书实施例的至少一个实施例或示例中。在本说明书中，对上述术语的示意性表述不必须针对的是相同的实施例或示例。而且，描述的具体特征、结构、材料或者特点可以在任一个或多个实施例或示例中以合适的方式结合。此外，在不相互矛盾的情况下，本领域的技术人员可以将本说明书中描述的不同实施例或示例以及不同实施例或示例的特征进行结合和组合。
以上所述仅为本说明书实施例的实施例而已，并不用于限制本说明书实施例。对于本领域技术人员来说，本说明书实施例可以有各种更改和变化。凡在本说明书实施例的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本说明书实施例的权利要求范围之内。
虽然通过实施方式描绘了本说明书，本领域普通技术人员知道，本说明书有许多变形和变化而不脱离本说明书的精神，希望所附的权利要求包括这些变形和变化而不脱离本说明书的精神。

Claims (31)

  1. 一种信用退税方法，其特征在于，包括:
    接收信用退税请求和退税金额；
    对所述信用退税请求进行解析，获得退税用户的身份信息；
    利用所述退税用户的身份信息确定所述信用退税请求对应的用户是否具有信用退税资格；
    在所述信用退税请求对应的用户具有信用退税资格的情况下，根据退税用户的身份信息获得对应账户，将等同退税金额的税金发送至对应账户。
  2. 如权利要求1所述的方法，其特征在于，还包括：
    根据所述身份信息对应的退税用户是否具有信用退税资格、退税金额生成退税结果信息；
    发送所述退税结果信息。
  3. 如权利要求1所述的方法，其特征在于，利用所述退税用户的身份信息确定所述信用退税请求对应的用户是否具有信用退税资格的步骤包括：
    根据所述退税用户的身份信息获取所述信用退税请求对应的用户的历史行为信息；
    根据信用规则对用户的历史行为信息进行评估来确定所述用户是否具有信用退税资格。
  4. 如权利要求3所述的方法，其特征在于，将等同退税金额的税金发送至对应账户的步骤包括：
    在所述用户具有信用退税资格的情况下，判断所述用户是否签约信用退税授权协议；其中，所述信用退税授权协议为具有信用退税资格用户在设定时间段内和/或退税次数内具有的信用退税权限；
    如果签约信用退税授权协议，则用户具有信用退税权限，根据退税用户的身份信息获得对应账户，将等同退税金额的税金发送至对应账户。
  5. 如权利要求3或4所述的方法，其特征在于，根据信用规则对用户的历史行为信息进行评估来确定所述用户是否具有信用退税资格的步骤包括：
    根据信用规则对用户的历史行为信息进行评估，获得用户的信用分；
    如果用户的信用分大于等于信用阈值，则所述信用退税请求对应的用户获取信用退税资格。
  6. 如权利要求1～4任一权利要求所述的方法，其特征在于，还包括：
    从退税服务器上接收返还过来的等同金额的税金。
  7. 如权利要求1～4任一权利要求所述的方法，其特征在于，还包括：
    从退税服务器上接收用户违约信息；
    对用户违约信息进行解析，获得违约用户的身份信息、账户及金额。
  8. 如权利要求7所述的方法，其特征在于，还包括：
    将等同金额的税金从所述账户中扣除。
  9. 如权利要求8所述的方法，其特征在于，还包括：
    从退税服务器上接收退款请求；
    对退款请求进行解析，获得退款用户的身份信息、账户及金额；
    将等同金额的税金返还至所述账户中。
  10. 如权利要求1～4任一权利要求所述的方法，其特征在于，还包括：
    生成违约警示信息，将所述违约警示信息发送至违约用户；其中，所述违约警示信息包括违约惩罚措施。
  11. 一种信用退税装置，其特征在于，包括：
    退税请求获取单元，用于接收信用退税请求和退税金额；
    退税请求解析单元，用于对所述信用退税请求进行解析，获得退税用户的身份信息；
    信用退税资格验证单元，用于利用所述退税用户的身份信息确定所述信用退税请求对应的用户是否具有信用退税资格；
    垫付退税单元，用于在所述信用退税请求对应的用户具有信用退税资格的情况下，根据退税用户的身份信息获得对应账户，将等同退税金额的税金发送至对应账户。
  12. 如权利要求11所述的装置，其特征在于，还包括：
    反馈信息生成单元，用于根据所述身份信息对应的退税用户是否具有信用退税资格、账户、退税金额生成退税结果信息；
    第一发送单元，用于发送所述退税结果信息。
  13. 如权利要求11所述的装置，其特征在于，所述信用退税资格验证单元包括：
    历史行为信息获取模块，用于根据所述退税用户的身份信息获取所述信用退税请求对应的用户的历史行为信息；
    评估模块，用于根据信用规则对用户的历史行为信息进行评估来确定所述用户是否具有信用退税资格。
  14. 如权利要求13所述的装置，其特征在于，所述垫付退税单元包括：
    信用退税权限确定模块，用于在所述用户具有信用退税资格的情况下，判断所述用户是否签约信用退税授权协议；其中，所述信用退税授权协议为具有信用退税资格用户 在设定时间段内和/或退税次数内具有的信用退税权限；
    退税模块，用于如果用户签约了信用退税授权协议，则用户具有信用退税权限，根据退税用户的身份信息获得对应账户，将等同退税金额的税金发送至对应账户。
  15. 如权利要求13或14所述的装置，其特征在于，所述评估模块包括：
    信用分子模块，用于根据信用规则对用户的历史行为信息进行评估，获得用户的信用分；
    判断子模块，用于如果用户的信用分大于等于信用阈值，则所述信用退税请求对应的用户获取信用退税资格。
  16. 如权利要求11～14任一权利要求所述的装置，其特征在于，还包括：
    接收还款单元，用于接收返还过来的等同金额的税金。
  17. 如权利要求11～14任一权利要求所述的装置，其特征在于，还包括：
    违约信息接收单元，用于接收用户违约信息；
    违约信息解析单元，用于对用户违约信息进行解析，获得违约用户的身份信息、账户及金额。
  18. 如权利要求17所述的装置，其特征在于，还包括：
    代扣单元，用于将等同金额的税金从所述账户中扣除。
  19. 如权利要求18所述的装置，其特征在于，还包括：
    退款请求单元，用于接收退款请求；
    退款请求解析单元，用于对退款请求进行解析，获得退款用户的身份信息、账户及金额；
    第一返还单元，用于将等同金额的税金返还至所述账户中。
  20. 如权利要求11～14任一权利要求所述的装置，其特征在于，还包括：
    违约警示单元，用于生成违约警示信息，将所述违约警示信息发送至违约用户；其中，所述违约警示信息包括违约惩罚措施。
  21. 一种信用退税方法，其特征在于，包括：
    接收信用退税请求；其中，所述信用退税请求中包括退税用户的身份信息、账户和消费信息；
    根据所述消费信息确定退税金额；
    发送所述信用退税请求及对应退税金额；
    接收所述信用退税请求对应的退税结果信息；所述退税结果信息是根据所述身份信息对应的退税用户是否具有信用退税资格、退税金额得到的。
  22. 如权利要求21所述的方法，其特征在于，还包括：
    在收到所述信用退税请求对应的用户的有效退税单的情况下，将等同退税金额的税金信息传输至合作退税服务器；其中，所述有效退税单是在约定时间内符合退税规定的退税凭证。
  23. 如权利要求21所述的方法，其特征在于，还包括：
    在未收到所述信用退税请求对应的用户的有效退税单的情况下生成用户违约信息；
    发送所述用户违约信息至合作退税服务器。
  24. 如权利要求23所述的方法，其特征在于，还包括：
    又收到所述信用退税请求对应的用户的有效退税单的情况下生成退款请求；
    发送退款请求至合作退税服务器。
  25. 一种信用退税装置，其特征在于，包括：
    退税请求接收单元，用于接收信用退税请求；其中，所述信用退税请求中包括退税用户的身份信息、账户和消费信息；
    退税金额确定单元，用于根据所述消费信息确定退税金额；
    第二发送单元，用于发送所述信用退税请求及对应退税金额；
    反馈信息接收单元，用于接收所述信用退税请求对应的退税结果信息；所述退税结果信息是根据所述身份信息对应的退税用户是否具有信用退税资格、退税金额得到的。
  26. 如权利要求25所述的装置，其特征在于，还包括：
    第二返还单元，用于在收到所述信用退税请求对应的用户的有效退税单的情况下，将等同退税金额的税金信息传输至退税合作伙伴的服务器；其中，所述有效退税单是在约定时间内符合退税规定的退税凭证。
  27. 如权利要求25所述的装置，其特征在于，还包括：
    用户违约信息生成单元，用于在未收到所述信用退税请求对应的用户的有效退税单的情况下生成用户违约信息；
    所述第二发送单元，还用于发送所述用户违约信息至合作退税服务器。
  28. 如权利要求27所述的装置，其特征在于，还包括：
    退款请求生成单元，用于又收到所述信用退税请求对应的用户的有效退税单的情况下生成退款请求；
    所述第二发送单元，用于发送退款请求至合作退税服务器。
  29. 一种电子设备，包括存储器、处理器以及存储在所述存储器上并可在所述处理器上运行的计算机程序，其特征在于，所述处理器执行所述计算机程序时实现权利要求 1～10或权利要求21～24任意一项权利要求所述的信用退税方法。
  30. 一种可读存储介质，其上存储有计算机程序，其特征在于，所述计算机程序被执行时实现权利要求1～10或权利要求21～24任意一项权利要求所述的信用退税方法的步骤。
  31. 一种信用退税系统，其特征在于，包括：权利要求11～20任意一项权利要求所述的信用退税装置和权利要求25～28任意一项权利要求所述的信用退税装置。
PCT/CN2019/078100 2018-06-19 2019-03-14 一种信用退税方法、装置、系统及电子设备 WO2019242342A1 (zh)

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