Bank Four-party Linkage Payroll Project

A leading joint-stock commercial bank in China is committed to providing corporate clients with outstanding payroll and benefits services. However, the traditional payroll disbursement model often involves cumbersome processes, fragmented data, and delayed tax filings. The bank aimed to build a four-party collaborative ecosystem connecting enterprises’ ERP/HR systems, the bank, tax platforms, and employees’ personal portals.

We adopted a high-security microservices architecture to address multi-party secure data exchange:

• Bank–Enterprise Direct-Connect Gateway: Built standardized API interfaces for seamless integration with mainstream ERPs (SAP, UFIDA, Kingdee) to enable one-click payroll data sync.
• Automated Tax Engine: Embedded the latest personal income tax algorithms and automatically interfaced with tax bureaus to ensure compliant calculation and filing.
• Data Security Sandbox: Used national cryptographic standards for encrypted transmission and storage of sensitive data, and leveraged privacy computing to safeguard stakeholders’ data rights.
• High-Concurrency Processing: Designed a peak-shaving message-queue mechanism for payroll-day traffic, supporting millions of concurrent requests.

The team overcame challenges such as complex cross-institution network environments and inconsistent data standards:

• Requirements Analysis & Solution Design: Thoroughly mapped payroll processes and tax filing rules, and designed a general data exchange standard.
• Core Development & Security Hardening: Developed core functions in a sealed environment and invited third-party security agencies for multiple penetration tests.
• Integration Testing & Pilot: Conducted pilots with 10 enterprises of different sizes to verify system stability and accuracy.

Post-launch, the system received high acclaim from the bank and corporate clients:

• Served over 5,000 corporate clients, covering hundreds of thousands of employees.
• Reduced HR payroll processing time from an average of 3 days to 0.5 days.
• Achieved unified fund, information, and tax flows, eliminating fraudulent payroll risks.

The project strengthened the bank’s corporate business stickiness, significantly reduced enterprise financial management costs, and ensured timely, accurate payroll, achieving multi-party social value.