CN111126986A - Data processing method and device based on electronic wallet - Google Patents
Data processing method and device based on electronic wallet Download PDFInfo
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- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
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Abstract
The application provides a data processing method and device based on an electronic wallet, wherein the method comprises the following steps: when an electronic wallet creating request sent by a front-end system is received, creating an electronic wallet account object aiming at the electronic wallet creating request; determining one or more business objects associated with the e-wallet account object; when detecting that a fund processing event aiming at one or more business objects is triggered, determining first fund data corresponding to the fund processing event; and adjusting second fund data of the electronic wallet account object with fund adjusting authority by adopting the first fund data. Through the embodiment of the application, the threshold-free insurance account is established, channels for insurance refund fee, claim payment, insurance product purchase and fund investment are opened, the connection between a bank account and the product service of an insurance company is increased, the delay of the fund utilization of a customer is reduced, the maximum value is created for the customer, and the customer experience is improved.
Description
Technical Field
The present application relates to the field of internet technologies, and in particular, to a data processing method and apparatus based on an electronic wallet.
Background
With the development of society, the insurance industry is in force in order to reduce the loss caused by natural disasters and accidents. The insurance company invests the collected premium into the assets such as bond, stock, loan, etc., and uses the income of the assets to pay insurance compensation determined by the policy, and simultaneously, the insurance company also provides financial products for the client to help the client manage money.
In the prior art, a client purchases insurance products of an insurance company for insurance application, after an insurance policy takes effect, the insurance company deducts renewal insurance fees from a bank account number reserved by the client at appointed intervals, and if the bank account number reserved by the client has insufficient balance and the like, deduction failure can be caused, so that the insurance policy fails, and the client can not continue to enjoy guarantee qualification.
Moreover, as some customers may not timely change the information of payment and receipt such as bank account numbers, mobile phone numbers and the like reserved in the insurance company, if the users purchase insurance products in an increased amount, the payment and receipt are abnormal; or when the customer receives the survival fund, the security refund and the claim settlement, the customer cannot receive the money in time due to the error payment account number, the workload of the customer and the operation personnel of the insurance company is increased, the payment period is prolonged, and the trust of the customer on the insurance guarantee is reduced.
In addition, the insurance company also sets up a universal account for the customer to help the customer manage money, the deposit and transfer of the universal account is completely independently operated by the customer, but the fund in the universal account cannot be directly used for purchasing insurance products of the insurance company, so that the fund operation in the universal account is low in efficiency.
Disclosure of Invention
In view of the above, it is proposed to provide an electronic wallet based data processing method and apparatus that overcomes or at least partially solves the above problems, comprising:
the embodiment of the application provides a data processing method based on an electronic wallet, which is applied to a core system, wherein the core system is in communication connection with a front-end system and a client, and the method comprises the following steps:
when an electronic wallet creating request sent by the front-end system is received, creating an electronic wallet account object aiming at the electronic wallet creating request; the electronic wallet creating request is generated by the front-end system when first authorization information sent by the client is received;
determining one or more business objects associated with the e-wallet account object;
when detecting that a fund processing event aiming at the one or more business objects is triggered, determining first fund data corresponding to the fund processing event;
and adjusting second fund data of the electronic wallet account object with fund adjustment authority by adopting the first fund data.
Optionally, before the step of determining one or more business objects associated with the e-wallet account object, the method further comprises:
receiving second authorization information which is sent by the client and aims at the electronic wallet account object; the second authorization information comprises a business object identifier;
and establishing an association relation between the electronic wallet account object and the business object identifier.
Optionally, the funds-handling event comprises: a funds transfer-in event and a funds transfer-out event.
Optionally, the method further comprises:
receiving third authorization information which is sent by the client and aims at the electronic wallet account object; the third authorization information comprises one or more fund transfer-out mode information and sequence information corresponding to each fund transfer-out mode information;
and establishing one or more fund transfer-out mode objects of which the electronic wallet account object has fund adjustment authority by adopting the fund transfer-out mode information, and storing the sequence information.
Optionally, when the fund processing event is a fund transfer-out event, the adjusting, by using the first fund data, the second fund data of the electronic wallet account object having the fund adjusting authority includes:
determining a target fund transfer-out mode object from the one or more fund transfer-out mode objects according to the sequence information;
and adjusting second fund data corresponding to the target fund transfer-out mode object by adopting the first fund data.
Optionally, the business object includes any one of:
bank account object, universal account object, investment business object, insurance business object.
The embodiment of the application also provides a data processing method based on the electronic wallet, which is applied to a front-end system, wherein the front-end system is in communication connection with a core system and a client, and the method comprises the following steps:
generating an electronic wallet establishing request when first authorization information sent by the client is received;
sending the electronic wallet creation request to the core system; the core system is used for creating an electronic wallet account object according to the electronic wallet creating request, determining one or more business objects associated with the electronic wallet account object, determining first fund data corresponding to fund processing events when detecting that the fund processing events aiming at the one or more business objects are triggered, and adjusting second fund data of the electronic wallet account object with fund adjusting authority by adopting the first fund data.
Optionally, before the step of generating an electronic wallet creation request, the method further comprises:
acquiring user identity information and verifying the user identity information;
and when the user identity information is verified, executing the step of generating the electronic wallet creating request.
The embodiment of the present application further provides a data processing apparatus based on an electronic wallet, which is applied to a core system, where the core system is in communication connection with a front-end system and a client, and the data processing apparatus includes:
the electronic wallet creating module is used for creating an electronic wallet account object aiming at the electronic wallet creating request when the electronic wallet creating request sent by the front-end system is received; the electronic wallet creating request is generated by the front-end system when first authorization information sent by the client is received;
a business object determination module for determining one or more business objects associated with the e-wallet account object;
the fund data determining module is used for determining first fund data corresponding to the fund processing event when detecting that the fund processing event aiming at the one or more business objects is triggered;
and the fund data adjusting module is used for adjusting second fund data of the electronic wallet account object with fund adjusting authority by adopting the first fund data.
The embodiment of the present application further provides a data processing apparatus based on an electronic wallet, which is applied to a front-end system, where the front-end system is in communication connection with a core system and a client, and includes:
the creation request generation module is used for generating an electronic wallet creation request when first authorization information sent by the client is received;
a creation request sending module for sending the electronic wallet creation request to the core system; the core system is used for creating an electronic wallet account object according to the electronic wallet creating request, determining one or more business objects associated with the electronic wallet account object, determining first fund data corresponding to fund processing events when detecting that the fund processing events aiming at the one or more business objects are triggered, and adjusting second fund data of the electronic wallet account object with fund adjusting authority by adopting the first fund data.
The embodiment of the application has the following advantages:
in the embodiment of the application, when an electronic wallet creating request sent by a front-end system is received, an electronic wallet account object is created according to the electronic wallet creating request, one or more business objects related to the electronic wallet account object are determined, when a fund processing event aiming at the one or more business objects is detected to be triggered, first fund data corresponding to the fund processing event is determined, then second fund data with fund adjusting authority of the electronic wallet account object is adjusted by adopting the first fund data, so that the reduction of insurance refund fee, the failure rate of settlement of claim money, better guarantee for a client, the reduction of dispute of the client for the insurance claim, the establishment of a threshold-free insurance account, the opening of channels of insurance refund fee, claim payment, insurance product purchase and fund investment, and the increase of the connection between a bank account and insurance company product service, the delay of the capital utilization of the customer is reduced, the maximum value is created for the customer, and the customer experience is improved.
Drawings
In order to more clearly illustrate the technical solutions of the present application, the drawings needed to be used in the description of the present application will be briefly introduced below, and it is apparent that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without inventive labor.
Fig. 1 is a flowchart illustrating steps of a method for data processing based on an electronic wallet according to an embodiment of the present application;
fig. 2 is a flow chart of steps of another method for data processing based on an electronic wallet provided by an embodiment of the present application;
FIG. 3 is a flow chart of an application to insurance services provided by an embodiment of the present application;
figure 4 is a schematic diagram of an electronic wallet based function provided herein;
fig. 5 is a schematic structural diagram of an apparatus for data processing based on an electronic wallet according to an embodiment of the present application.
Fig. 6 is a schematic structural diagram of another data processing device based on an electronic wallet according to an embodiment of the present application.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, the present application is described in further detail with reference to the accompanying drawings and the detailed description. It is to be understood that the embodiments described are only a few embodiments of the present application and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Referring to fig. 1, a flowchart illustrating steps of a method for data processing based on an electronic wallet according to an embodiment of the present application is shown, where the method may be applied to a core system, and the core system may be communicatively connected to a front-end system and a client.
The core system may be a system responsible for business logic and data processing.
The front-end system can be a user-oriented system, receives various operation instructions and authorization information of a user, generates a corresponding request and sends the corresponding request to the core system for execution.
Specifically, the method can comprise the following steps:
the electronic wallet account object can be a virtual device object established in the core system, and the electronic wallet account object can perform processing of related data through a server of the core system.
After the client is started, the user can perform authorization operation in the client, and the client can respond to the authorization operation, generate first authorization information and send the first authorization information to the front-end system.
Upon receiving the first authorization information, the front-end system may generate an electronic wallet creation request using the first authorization information, and may send the electronic wallet creation request to the core system.
Upon receiving the electronic wallet creation request, the core system may parse the electronic wallet creation request and may then create an electronic wallet account object for the electronic wallet creation request.
Specifically, the first authorization information may include a user identifier of a currently logged-in user in the client, and the electronic wallet creation request may also include the user identifier, so that an electronic wallet account object for the user identifier may be created.
as an example, the business object may include any of:
bank account object, universal account object, investment business object, insurance business object.
In particular, the bank account object may include one or more bank accounts that the user uses to bind with the e-wallet account object. The one or more bank accounts can be changed, specifically, the client can generate change information according to the change operation of the user, send the change information to the core system, and change the bank account bound with the electronic wallet account object after the core system receives the change information.
The universal account object may include a universal account that the user transacts with the insurance company. The universal account can be an account object which can be simultaneously selected and established when a user transacts annuity insurance business in an insurance company, and the universal account can mainly receive income fund data of annuity insurance products and fund data added by the user, perform corresponding investment and recuperate the user to calculate the fund data of investment income.
The investment business objects can comprise current deposit, steady investment, aggressive investment and the like, and particularly, the investment business objects with different income ranges can be set according to different investment risk bearing capacities of users. Wherein, the current deposit can be jointed with short-term fund products, such as fund products of insurance company agents, and can be redeemed in real time; the steady investment can be specially processed by an investment team for butt joint with a steady type financing product, and the steady investment can be paid on the same day or the next day; the investment can be accessed to financial products with higher interest rate, which are specially processed by an investment team and can be paid on the same day or the next day.
The insurance business object can comprise one or more insurance businesses actually transacted or to be transacted by the user, such as a security object, various insurance product objects and the like.
In an embodiment of the present application, before step 102, the method may further include the following steps:
s11, receiving second authorization information aiming at the electronic wallet account object sent by the client; the second authorization information comprises a business object identifier;
before determining the one or more business objects associated with the e-wallet account object, the user may generate second authorization information for the e-wallet object in response to a second authorization operation by performing the second authorization operation on the client, and transmit the second authorization information to the core system.
After receiving the second authorization information, the core system may identify the second authorization information, so as to analyze the service object identifier in the second authorization information.
Specifically, the service object identifier may include identification information for one or more service objects, so as to allow the one or more service objects corresponding to the service object identifier to perform related operations.
And S12, establishing the association relationship between the electronic wallet account object and the business object identification.
After analyzing the business object identifier in the second authorization information, the business object identifier may establish an association relationship with the electronic wallet account object, so that the core system may determine one or more business objects associated with the electronic wallet account object by querying the business object identifier.
Specifically, the establishing of the association relationship may include establishing an associated database or establishing an association table, and the user may also input query information at the client and send the query information to the core system, so as to query the service object identifier associated with the electronic wallet account object.
In an example, the user may perform a second authorization operation at the client to bind one or more bank accounts, or may also help the user to change the bound bank accounts through the second authorization operation, when the user changes the bound bank accounts, the core system receives second authorization information generated by the user side according to the user operation, and establishes an association relationship between the electronic wallet account object and the changed bank account identifier according to the changed bank account identifier that may be included in the second authorization information.
103, when detecting that a fund processing event aiming at the one or more business objects is triggered, determining first fund data corresponding to the fund processing event;
as an example, the funds-handling event may include:
a funds transfer-in event and a funds transfer-out event;
after determining one or more business objects associated with the electronic wallet account object, a fund data processing instruction, such as a renewal deduction instruction, a income fund transfer instruction and the like, for the electronic wallet account object may be detected, and when receiving the fund processing instruction for the one or more business objects, the fund processing instruction may be analyzed, so as to trigger a corresponding fund processing event according to the analyzed fund processing instruction, and according to the analyzed fund processing instruction, it is identified that the fund processing event actually relates to the first fund data.
Specifically, the fund handling event may include: transferring the fund data of the bank account object into the electronic wallet account object; transferring the fund data of the universal account object into the electronic wallet account object; transferring the security refund fee, the claim settlement fund, the pension fund and the insurance product into the electronic wallet account object in a reddened mode; transferring the fund data of the income of the investment business object into the electronic wallet account object and the like; or transferring the fund data of the electronic wallet account object to a bank account object; transferring the fund data of the electronic wallet account object to a universal account object; transferring the fund data of the electronic wallet account object out for insurance renewal; transferring the fund data of the electronic wallet account object out for purchasing insurance products and proxy funds; transferring the fund data of the electronic wallet account object out for investment and the like.
And 104, adjusting second fund data of the electronic wallet account object with fund adjusting authority by adopting the first fund data.
The second fund data can comprise fund data in the electronic wallet account object and also can comprise fund data in a business object of which the electronic wallet account object has fund adjustment authority.
After determining the first fund data, the core system may query, for the e-wallet account object, second fund data having a fund adjustment authority, and the core system may adjust the second fund data according to the triggered specific fund processing event and the first fund data.
In particular, adjusting the second funds data may include adding an adjustment, such as adding the second funds data to the first funds data; a curtailment adjustment may be included, such as curtailment of the first fund data based on the second fund data.
In an example, when the fund transfer-out event is performed on the investment business object, the investment amount data can be determined, and then investment is performed according to the electronic wallet account object and the fund data in the bank account associated with the electronic wallet account object.
In an embodiment of the present application, the method may further include the steps of:
s21, receiving third authorization information aiming at the electronic wallet account object sent by the client; the third authorization information comprises one or more fund transfer-out mode information and sequence information corresponding to each fund transfer-out mode information;
the third authorization information may be one or more fund transfer-out modes allowed to be adopted by the user of the client when transferring out funds for the electronic wallet account object, and authorization information corresponding to a fund transfer-out sequence; the sequence information corresponding to the fund transfer-out mode may be a priority sequence when the fund transfer-out mode is performed for the electronic wallet account object and the associated bank account object.
In a specific implementation, the user may perform a third authorization operation on the e-wallet account object in the client, and in response to the authorization operation, the client may generate and transmit third authorization information, so that the core system may receive the third authorization information for the e-wallet account object transmitted by the client.
Specifically, the fund transfer-out mode information may be identification information for one or more fund transfer-out modes, and the one or more fund transfer-out modes may include directly transferring out fund data of an object; or transferring part of fund data of one object to another object, and transferring fund data with enough requirements from another object; or transferring the fund data of one object first, and if the transferred fund data does not meet the requirement, transferring the lacked fund data from another object, and the like.
And S22, adopting the fund transfer-out mode information, establishing one or more fund transfer-out mode objects of the electronic wallet account object with fund adjustment authority, and storing the sequence information.
When third authorization information which is sent by the client and aims at the electronic wallet account object is received, the core system can analyze the fund transfer-out mode information and identify one or more fund transfer-out modes of the electronic wallet account object with fund adjustment authority.
And after identifying that the electronic wallet account object has one or more fund transfer-out modes with fund adjustment authority, the core system establishes a corresponding access object according to the one or more fund transfer-out modes and stores sequence information corresponding to each fund transfer-out mode information.
Specifically, the storage sequence information may store the fund transfer-out mode information, the one or more fund transfer-out mode objects, and the sequence information in association, so that the core system may quickly query the one or more fund transfer-out mode objects, the fund transfer-out mode information, and the sequence information when transferring out funds.
Accordingly, where the funds-handling event is a funds-out event, step 104 may include the sub-steps of:
s31, according to the sequence information, determining a target fund transfer-out mode object from one or more fund transfer-out mode objects;
in a specific implementation, after the sequence information is stored, the core system may query a target fund transfer-out mode object actually corresponding to the sequence information from one or more fund transfer-out mode objects according to the sequence information, so that corresponding fund transfer-out may be performed on the target fund transfer-out mode object according to the sequence information and the fund transfer-out mode.
And S32, adjusting second fund data corresponding to the target fund transfer-out mode object by adopting the first fund data.
After the target fund transfer-out mode object is determined, the core system can read the corresponding first fund data in the fund transfer-out event, meanwhile, the core system can access the stored sequence information in the third authorization information, and can acquire the target fund transfer-out mode object and the target fund transfer-out mode information according to the sequence information, so that the core system transfers out the fund according to the preset sequence and the fund transfer-out mode for the target fund transfer-out mode object.
In an example, when the insurance company initiates the renewal deduction, the target fund transfer mode object may be a designated bank account and an electronic wallet, and the sequence information in the electronic wallet is that the priority sequence of the bank account is greater than that of the electronic wallet, and the corresponding fund transfer mode is that the deduction is performed in combination with the designated bank account and the electronic wallet, then assuming that the total renewal deduction amount is 1000 yuan, and the customer reserves the balance of the bank card of 800 yuan, the insurance company may deduct 800 yuan and 200 yuan from the bank card through the priority sequence and the fund transfer mode in the electronic wallet, and complete the renewal deduction, so that the policy status remains valid.
In an example, the electronic wallet object may also record the change details of the fund data, and upon receiving a query instruction, the related change details may be displayed, such as a transfer out details query of the fund data, a details query of the fund data of the electronic wallet, a details query of the insurance product that has been purchased, and a details query of the investment/fund product that has been purchased.
In the embodiment of the application, when an electronic wallet creating request sent by a front-end system is received, an electronic wallet account object is created according to the electronic wallet creating request, one or more business objects related to the electronic wallet account object are determined, when a fund processing event aiming at the one or more business objects is detected to be triggered, first fund data corresponding to the fund processing event is determined, then second fund data with fund adjusting authority of the electronic wallet account object is adjusted by adopting the first fund data, so that the reduction of insurance refund fee, the failure rate of settlement of claim money, better guarantee for a client, the reduction of dispute of the client for the insurance claim, the establishment of a threshold-free insurance account, the opening of channels of insurance refund fee, claim payment, insurance product purchase and fund investment, and the increase of the connection between a bank account and insurance company product service, the delay of the capital utilization of the customer is reduced, the maximum value is created for the customer, and the customer experience is improved.
Referring to fig. 2, a flowchart illustrating steps of another method for data processing based on an electronic wallet according to an embodiment of the present application is shown, and the method is applied to a front-end system, where the front-end system is communicatively connected to a core system and a client, and specifically may include the following steps:
in a specific implementation, the front-end system may receive first authorization information sent by a user through a client, where the first authorization information may be authorization information allowing establishment of an electronic wallet account object, and after receiving the authorization information, generate an electronic wallet creation request, and further send the electronic wallet creation request to a core system, where the electronic wallet account object is created through the core system.
In an embodiment of the present application, before the step of generating an electronic wallet creation request, the method may further include the sub-steps of:
acquiring user identity information and verifying the user identity information; the step of generating an electronic wallet creation request is performed when the user identity information is verified.
As an example, verifying identity information may include:
face dynamic information authentication, and/or handwritten signature authentication.
In a specific implementation, after sending the first authorization information, the client may obtain the identity information of the user, and perform verification on the obtained identity information of the user, for example, call face recognition, and perform living body recognition verification on an identity verification system of a public security department; or entering a handwritten signature page, identifying the handwritten signature of the user by using an image identification technology, and if the handwritten signature is consistent with the client registration name, passing the verification. If the user identity authentication information passes the verification, keeping a corresponding verification result as evidence that the customer actively sets up the electronic wallet, and generating an electronic wallet establishing request by the front-end system; if the user identity authentication information cannot pass the verification, prompt information can be sent to remind the user of handling the information by an offline means, for example, the user is reminded of selling the information through an insurance company or handling the authorization by an operator, and the insurance company counter signs a paper authorization, so that the selling or operating personnel can keep the verification result by uploading an authorization image.
In a specific implementation, after the user front end generates the electronic wallet creating request, the electronic wallet creating request can be sent to the core system, so that the core system can create an electronic wallet account object and determine one or more associated business objects, and based on this, when the core system detects that a fund processing event for one or more business objects is triggered, second fund data of which the electronic wallet account object has fund adjusting authority can be adjusted according to first fund data corresponding to the fund processing event.
In the embodiment of the application, when first authorization information sent by a client is received, an electronic wallet creating request is generated, the electronic wallet creating request is further sent to a core system, the core system creates an electronic wallet account object aiming at the electronic wallet creating request, one or more business objects related to the electronic wallet account object are determined, when a fund processing event aiming at the one or more business objects is detected to be triggered, first fund data corresponding to the fund processing event is determined, then second fund data with fund adjusting authority of the electronic wallet account object is adjusted by adopting the first fund data, the reduction of security refund and claim settlement payment failure rate is achieved, better guarantee is provided for a client, the dispute of refund and claim settlement is reduced, a threshold-free insurance account is established, insurance refund and claim payment are opened, The channel of insurance product purchase and fund investment increases the link between the bank account and the product service of insurance companies, reduces the delay of the use of the fund of customers, creates the maximum value for the customers and improves the customer experience.
The present application is described below with reference to fig. 3 and 4 by an example of an application to insurance services, but it should be understood that the embodiments of the present application are not limited thereto.
1. The insurance applicant logs in an account of the related software of the insurance company through the mobile phone user;
2. the insurance company mobile phone front-end system displays insurance electronic wallet options and service agreements;
3. recording the opening time, reading position and changing state, thereby ensuring that the policyholder carefully reads the check option and the service agreement;
4. when the applicant sends an authorization instruction of 'consent' through the mobile phone user side, recording related authorization information, and entering the establishment of an insurance electronic wallet;
5. judging whether the applicant selects a resident identification card to carry out identification information verification;
6. if the resident identification card is selected for identity information verification, scanning face dynamic information of the insured person for face recognition, and verifying through the identity information recognition system of the public security department, if the verification is passed, establishing the insurance electronic wallet successfully;
7. if the resident identification card is not selected for identity information verification or the resident identification card is selected for identity information verification failure, performing handwritten signature authentication on a handwritten signature page, identifying the handwritten signature of the user by using an image identification technology, and if the handwritten signature is consistent with the registered name of the user, verifying the handwritten signature, and establishing an insurance electronic wallet successfully;
8. if the handwriting verification authentication fails, prompt information can be sent to remind the user to adopt an offline means, a paper authorization book is signed on a counter of an insurance company, and then an insurance electronic wallet is successfully established;
9. when the insurance electronic purse is successfully established, the related bank account can be authorized, and the insurance applicant can be further authorized to execute the business object and business operation allowed by the insurance electronic purse through the setting of the switch;
10. when detecting that the insurance premium, the claim settlement fund, the pension fund and the insurance product are reddened, automatically withholding the premium, purchasing the investment product and mutually transferring the balance of the insurance electronic wallet and the bank account, executing corresponding fund calling operation, specifically as shown in fig. 4, the insurance electronic wallet can receive the insurance premium, the claim settlement fund, the pension fund and the insurance product are reddened; the fund transfer can be carried out with the universal account and the bank account; when the bank account has insufficient funds, the joint fund deduction can be carried out; meanwhile, a quick window for purchasing insurance products and agent fund products can be provided for the user to directly purchase; in addition, corresponding current deposit, steady investment and investment acquisition are carried out according to preset investment rules;
11. the funds data for the insurance wallet is viewed and displayed.
It should be noted that, for simplicity of description, the method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the embodiments are not limited by the order of acts described, as some steps may occur in other orders or concurrently depending on the embodiments. Further, those skilled in the art will also appreciate that the embodiments described in the specification are presently preferred and that no particular act is required of the embodiments of the application.
Referring to fig. 5, a schematic structural diagram of a data processing apparatus based on an electronic wallet provided in an embodiment of the present application is shown, where the apparatus may be applied to a core system, and the core system may be communicatively connected with a front-end system and a client, and specifically may include the following modules:
an electronic wallet creating module 501, configured to, when receiving an electronic wallet creating request sent by the front-end system, create an electronic wallet account object for the electronic wallet creating request; the electronic wallet creating request is generated by the front-end system when first authorization information sent by the client is received;
a business object determination module 502 for determining one or more business objects associated with the e-wallet account object; the business object comprises: bank account object, universal account object, investment business object, insurance business object;
a fund data determination module 503, configured to determine, when it is detected that a fund processing event for the one or more business objects is triggered, first fund data corresponding to the fund processing event; the funds-handling event comprises: a funds transfer-in event and a funds transfer-out event;
and the fund data adjusting module 504 is configured to adjust, by using the first fund data, second fund data of the electronic wallet account object, which has a fund adjusting authority.
In an embodiment of the present application, the apparatus includes:
the second authorization information module is used for receiving second authorization information which is sent by the client and aims at the electronic wallet account object; the second authorization information comprises a business object identifier;
and the association establishing module is used for establishing the association relationship between the electronic wallet account object and the business object identifier.
In an embodiment of the present application, the fund data determination module 503 further includes:
the third authorization information submodule is used for receiving third authorization information which is sent by the client and aims at the electronic wallet account object; the third authorization information comprises one or more fund transfer-out mode information and sequence information corresponding to each fund transfer-out mode information;
and the fund transfer-out mode object establishing submodule is used for establishing one or more fund transfer-out mode objects of which the electronic wallet account object has fund adjustment authority by adopting the fund transfer-out mode information and storing the sequence information.
A target fund transfer-out mode determining submodule, configured to determine a target fund transfer-out mode object from the one or more fund transfer-out mode objects according to the sequence information;
and the second fund data adjusting submodule is used for adjusting second fund data corresponding to the target fund transfer-out mode object by adopting the first fund data.
In the embodiment of the application, when an electronic wallet creating request sent by a front-end system is received, an electronic wallet account object is created according to the electronic wallet creating request, one or more business objects related to the electronic wallet account object are determined, when a fund processing event aiming at the one or more business objects is detected to be triggered, first fund data corresponding to the fund processing event is determined, then second fund data with fund adjusting authority of the electronic wallet account object is adjusted by adopting the first fund data, so that the reduction of insurance refund fee, the failure rate of settlement of claim money, better guarantee for a client, the reduction of dispute of the client for the insurance claim, the establishment of a threshold-free insurance account, the opening of channels of insurance refund fee, claim payment, insurance product purchase and fund investment, and the increase of the connection between a bank account and insurance company product service, the delay of the capital utilization of the customer is reduced, the maximum value is created for the customer, and the customer experience is improved.
Referring to fig. 6, a schematic structural diagram of an apparatus for data processing based on an electronic wallet provided in an embodiment of the present application is shown, the apparatus is applied to a front-end system, and the front-end system is in communication connection with a core system and a client, and specifically may include the following modules:
a creation request generation module 601, configured to generate an electronic wallet creation request when receiving first authorization information sent by the client;
a creation request sending module 602, configured to send the electronic wallet creation request to the core system; the core system is used for creating an electronic wallet account object according to the electronic wallet creating request, determining one or more business objects associated with the electronic wallet account object, determining first fund data corresponding to fund processing events when detecting that the fund processing events aiming at the one or more business objects are triggered, and adjusting second fund data of the electronic wallet account object with fund adjusting authority by adopting the first fund data.
In an embodiment of the present application, the apparatus further includes:
the user identity information acquisition module is used for acquiring user identity information and verifying the user identity information;
and the identity information verification passing execution module is configured to invoke the creation request generation module 601 when the user identity information verification passes.
In the embodiment of the application, when first authorization information sent by a client is received, an electronic wallet creating request is generated, the electronic wallet creating request is further sent to a core system, the core system creates an electronic wallet account object aiming at the electronic wallet creating request, one or more business objects related to the electronic wallet account object are determined, when a fund processing event aiming at the one or more business objects is detected to be triggered, first fund data corresponding to the fund processing event is determined, then second fund data with fund adjusting authority of the electronic wallet account object is adjusted by adopting the first fund data, the reduction of security refund and claim settlement payment failure rate is achieved, better guarantee is provided for a client, the dispute of refund and claim settlement is reduced, a threshold-free insurance account is established, insurance refund and claim payment are opened, The channel of insurance product purchase and fund investment increases the link between the bank account and the product service of insurance companies, reduces the delay of the use of the fund of customers, creates the maximum value for the customers and improves the customer experience.
An embodiment of the present application also provides an electronic device, which may include a processor, a memory, and a computer program stored on the memory and capable of running on the processor, and when executed by the processor, the computer program implements the steps of the method for data processing based on an electronic wallet as described above.
An embodiment of the present application also provides a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, realizes the steps of the method for data processing based on an electronic wallet as above.
For the device embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, apparatus, or computer program product. Accordingly, embodiments of the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
Embodiments of the present application are described with reference to flowchart illustrations and/or block diagrams of methods, terminal devices (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing terminal to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing terminal, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing terminal to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing terminal to cause a series of operational steps to be performed on the computer or other programmable terminal to produce a computer implemented process such that the instructions which execute on the computer or other programmable terminal provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present application have been described, additional variations and modifications of these embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including the preferred embodiment and all such alterations and modifications as fall within the true scope of the embodiments of the application.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or terminal that comprises the element.
The data processing method and device based on the electronic wallet are introduced in detail, and specific examples are applied in the text to explain the principle and the implementation of the present application, and the description of the above embodiments is only used to help understand the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (10)
1. A data processing method based on an electronic wallet is applied to a core system, the core system is in communication connection with a front-end system and a client, and the method comprises the following steps:
when an electronic wallet creating request sent by the front-end system is received, creating an electronic wallet account object aiming at the electronic wallet creating request; the electronic wallet creating request is generated by the front-end system when first authorization information sent by the client is received;
determining one or more business objects associated with the e-wallet account object;
when detecting that a fund processing event aiming at the one or more business objects is triggered, determining first fund data corresponding to the fund processing event;
and adjusting second fund data of the electronic wallet account object with fund adjustment authority by adopting the first fund data.
2. The method of claim 1, wherein prior to the step of determining one or more business objects associated with the wallet account object, the method further comprises:
receiving second authorization information which is sent by the client and aims at the electronic wallet account object; the second authorization information comprises a business object identifier;
and establishing an association relation between the electronic wallet account object and the business object identifier.
3. The method of claim 1 or 2, wherein the funds handling event comprises: a funds transfer-in event and a funds transfer-out event.
4. The method of claim 3, further comprising:
receiving third authorization information which is sent by the client and aims at the electronic wallet account object; the third authorization information comprises one or more fund transfer-out mode information and sequence information corresponding to each fund transfer-out mode information;
and establishing one or more fund transfer-out mode objects of which the electronic wallet account object has fund adjustment authority by adopting the fund transfer-out mode information, and storing the sequence information.
5. The method of claim 4, wherein when the funds handling event is a funds transfer-out event, the adjusting second funds data having funds adjustment authority for the e-wallet account object using the first funds data comprises:
determining a target fund transfer-out mode object from the one or more fund transfer-out mode objects according to the sequence information;
and adjusting second fund data corresponding to the target fund transfer-out mode object by adopting the first fund data.
6. The method of claim 1, wherein the business object comprises any one of:
bank account object, universal account object, investment business object, insurance business object.
7. A data processing method based on an electronic wallet is applied to a front-end system, the front-end system is in communication connection with a core system and a client, and the method comprises the following steps:
generating an electronic wallet establishing request when first authorization information sent by the client is received;
sending the electronic wallet creation request to the core system; the core system is used for creating an electronic wallet account object according to the electronic wallet creating request, determining one or more business objects associated with the electronic wallet account object, determining first fund data corresponding to fund processing events when detecting that the fund processing events aiming at the one or more business objects are triggered, and adjusting second fund data of the electronic wallet account object with fund adjusting authority by adopting the first fund data.
8. The method of claim 7, wherein prior to the step of generating an electronic wallet creation request, the method further comprises:
acquiring user identity information and verifying the user identity information;
and when the user identity information is verified, executing the step of generating the electronic wallet creating request.
9. The data processing device based on the electronic wallet is applied to a core system, the core system is in communication connection with a front-end system and a client, and the data processing device comprises:
the electronic wallet creating module is used for creating an electronic wallet account object aiming at the electronic wallet creating request when the electronic wallet creating request sent by the front-end system is received; the electronic wallet creating request is generated by the front-end system when first authorization information sent by the client is received;
a business object determination module for determining one or more business objects associated with the e-wallet account object;
the fund data determining module is used for determining first fund data corresponding to the fund processing event when detecting that the fund processing event aiming at the one or more business objects is triggered;
and the fund data adjusting module is used for adjusting second fund data of the electronic wallet account object with fund adjusting authority by adopting the first fund data.
10. An electronic wallet-based data processing device, applied to a front-end system, wherein the front-end system is in communication connection with a core system and a client, and the electronic wallet-based data processing device comprises:
the creation request generation module is used for generating an electronic wallet creation request when first authorization information sent by the client is received;
a creation request sending module for sending the electronic wallet creation request to the core system; the core system is used for creating an electronic wallet account object according to the electronic wallet creating request, determining one or more business objects associated with the electronic wallet account object, determining first fund data corresponding to fund processing events when detecting that the fund processing events aiming at the one or more business objects are triggered, and adjusting second fund data of the electronic wallet account object with fund adjusting authority by adopting the first fund data.
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