CN111126986B - 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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- CN111126986B CN111126986B CN201911168987.7A CN201911168987A CN111126986B CN 111126986 B CN111126986 B CN 111126986B CN 201911168987 A CN201911168987 A CN 201911168987A CN 111126986 B CN111126986 B CN 111126986B
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- 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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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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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
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The application provides a data processing method and device based on an electronic wallet, wherein the method comprises the following steps: when receiving an electronic wallet creation request sent by a front-end system, creating an electronic wallet account object aiming at the electronic wallet creation request; determining one or more business objects associated with the e-wallet account object; determining first fund data corresponding to a fund processing event when the fund processing event aiming at one or more business objects is detected to be triggered; and adjusting second fund data with fund adjustment authority of the electronic wallet account object by adopting the first fund data. Through the embodiment of the application, the threshold-free insurance account is established, the channels of insurance refund, claim payment, insurance product purchase and fund investment are opened, the connection between the bank account and the insurance company product service is increased, the delay in 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, in order to reduce the loss caused by natural disasters and accidents to people, the insurance industry has been developed. The insurance company invests the collected premium in the properties such as bonds, stocks, loans and the like, pays the insurance compensation determined by the policy by using the income of the properties, and simultaneously provides financial products for clients to help the clients to manage the finance.
In the prior art, a customer purchases an insurance product of an insurance company to apply, after an insurance policy is validated, the insurance company deducts a renewal insurance fee from a bank account reserved by the customer at a defined interval, and if the bank account reserved by the customer has insufficient balance and other conditions, the deduction is failed, so that the insurance policy is invalid, and the customer cannot continue to enjoy the insurance qualification.
In addition, since some customers may not change the payment information such as bank account numbers and mobile phone numbers reserved by the insurance company timely, if the customers purchase the insurance products at increased amount, the payment Fei Yichang is caused; or when the client receives deposit, refunds and claims, the client cannot receive money in time due to the error of the payment account number, so that the workload of the client and operators of insurance companies is increased, the payment period is prolonged, and the trust of the client to the insurance guarantee is reduced.
In addition, the insurance company also establishes a universal account for the client to help the client to manage money, and the deposit and the transfer of the universal account are completely operated by the client independently, but funds in the universal account cannot be directly used for purchasing insurance products of the insurance company, so that the operation efficiency of the funds in the universal account is low.
Disclosure of Invention
In view of the foregoing, it has been proposed to provide an electronic wallet-based data processing method and apparatus that overcomes or at least partially solves the foregoing problems, including:
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 receiving an electronic wallet creation request sent by the front-end system, creating an electronic wallet account object aiming at the electronic wallet creation request; the electronic wallet creation request is generated by the front-end system when receiving first authorization information sent by the client;
determining one or more business objects associated with the e-wallet account object;
determining first fund data corresponding to a fund processing event when the fund processing event aiming at one or more business objects is detected to be triggered;
And adjusting second fund data with fund adjustment authority of the electronic wallet account object 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; wherein the second authorization information includes a business object identifier;
and establishing an association relation between the electronic wallet account object and the service object identifier.
Optionally, the fund processing event includes: a funds transfer 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 pieces of fund transfer mode information and sequence information corresponding to each piece of fund transfer mode information;
and establishing one or more funds transfer mode objects with funds adjustment authority of the electronic wallet account object by adopting the funds transfer mode information, and storing the sequence information.
Optionally, when the funds processing event is a funds transfer event, the step of adjusting the second funds data of the e-wallet account object with funds adjustment authority using the first funds data includes:
determining a target funds transfer mode object from the one or more funds transfer mode objects according to the sequence information;
and adjusting second fund data corresponding to the target fund transfer mode object by adopting the first fund data.
Optionally, the business object includes any one of the following:
bank account objects, utility account objects, investment business objects, insurance business objects.
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 creation request when receiving first authorization information sent by the client;
sending the electronic wallet creation request to the core system; the core system is used for creating an electronic wallet account object aiming at the electronic wallet creation request, determining one or more business objects associated with the electronic wallet account object, determining first fund data corresponding to a fund processing event when the fund processing event aiming at the one or more business objects is detected to be triggered, and adjusting second fund data with fund adjustment authority of the electronic wallet account object by adopting the first fund data.
Optionally, before the step of generating the electronic wallet creation request, the method further comprises:
acquiring user identity information and verifying the user identity information;
and executing the step of generating an electronic wallet creation request when the user identity information verification passes.
The embodiment of the application also provides a data processing device based on the 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 comprises:
the electronic wallet creation module is used for creating an electronic wallet account object aiming at the electronic wallet creation request when receiving the electronic wallet creation request sent by the front-end system; the electronic wallet creation request is generated by the front-end system when receiving first authorization information sent by the client;
a business object determination module for determining one or more business objects associated with the e-wallet account object;
a fund data determining module, 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;
And the fund data adjustment module is used for adjusting second fund data with fund adjustment authority of the electronic wallet account object by adopting the first fund data.
The embodiment of the application also provides a data processing device 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 comprises:
the creation request generation module is used for generating an electronic wallet creation request when receiving the first authorization information sent by the client;
the creation request sending module is used for sending the electronic wallet creation request to the core system; the core system is used for creating an electronic wallet account object aiming at the electronic wallet creation request, determining one or more business objects associated with the electronic wallet account object, determining first fund data corresponding to a fund processing event when the fund processing event aiming at the one or more business objects is detected to be triggered, and adjusting second fund data with fund adjustment authority of the electronic wallet account object by adopting the first fund data.
The embodiment of the application has the following advantages:
In the embodiment of the application, when the electronic wallet creation request sent by the front-end system is received, the electronic wallet account object is created for the electronic wallet creation request, one or more business objects related to the electronic wallet account object are determined, when the fund processing event for the one or more business objects is detected to be triggered, the first fund data corresponding to the fund processing event is determined, then the first fund data is adopted to adjust the second fund data of the electronic wallet account object with the fund adjustment authority, so that the reduction of the security refund and the payment failure rate of the claim settlement are realized, the better guarantee is provided for the client, the refund, the payment of the claim settlement and the dispute of the client are reduced, the threshold-free insurance account is established, the link between the bank account and the product service of the insurance company is increased, the delay in the fund utilization of the client is reduced, the maximum experience value of the client is created for the client is improved, and the client experience is improved.
Drawings
In order to more clearly illustrate the technical solutions of the present application, the drawings that are needed in the description of the present application will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort to a person skilled in the art.
FIG. 1 is a flow chart of steps of a method for electronic wallet based data processing provided in an embodiment of the present application;
FIG. 2 is a flow chart of steps of another method for electronic wallet-based data processing provided in an embodiment of the present application;
FIG. 3 is a flow chart of an embodiment of the present application for insurance business;
FIG. 4 is a schematic diagram of an electronic wallet-based function provided herein;
fig. 5 is a schematic structural diagram of an electronic wallet-based data processing device according to an embodiment of the present application.
Fig. 6 is a schematic structural diagram of another device for data processing based on electronic wallet according to an embodiment of the present application.
Detailed Description
In order that the above-recited objects, features and advantages of the present application will become more readily apparent, a more particular description of the invention briefly described above will be rendered by reference to specific embodiments that are illustrated in the appended drawings. It will be apparent that the embodiments described are some, but not all, of the embodiments of the present application. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present application.
Referring to fig. 1, a flowchart of steps of a method for processing data 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 corresponding requests and sends the corresponding requests to the core system for execution.
Specifically, the method comprises the following steps:
the electronic wallet account object may be a virtual device object established in the core system, and the electronic wallet account object may perform processing of related data through a server of the core system.
After the client is started, the user can perform an authorization operation in the client, and the client can respond to the authorization operation and generate first authorization information to send the first authorization information to the front-end system.
After 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 e-wallet creation request, the core system may parse the e-wallet creation request and may then create an e-wallet account object for the e-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 the following:
bank account objects, utility account objects, investment business objects, insurance business objects.
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 at the insurance company. The universal account can be an account object which can be simultaneously selected and established when a user transacts the annual insurance service in an insurance company, and can mainly receive the income fund data of the annual insurance product and the additional fund data of the user, carry out corresponding investment and recharacterize the fund data of the investment income for the user.
The investment business objects can comprise demand deposit, steady investment, aggressive investment and the like, and particularly can be set in different profit ranges according to different investment risk bearing capacities of users. Wherein the demand deposit can be redeemed in real time against short term funds products, such as the funds products of insurance company agents, etc.; the steady investment can be connected with steady financial products, and the steady investment can be specially processed by investment teams and can be paid out on the day or the next day; the investment can be taken to be connected with financial products with higher interest rate, and the financial products can be specially processed by investment teams and can be paid out on the day or the next day.
The insurance business object may include one or more insurance business that the user actually transacts, or is to transact, 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 which is sent by a client and aims at the electronic wallet account object; wherein the second authorization information includes a business object identifier;
before determining the one or more business objects associated with the e-wallet account object, the user may respond to the second authorization operation by performing a second authorization operation for the e-wallet object at the client, and the client may generate second authorization information for the e-wallet object and send to the core system.
After receiving the second authorization information, the core system can identify the second authorization information, so that the service object identification in the second authorization information can be analyzed.
In particular, the service object identifier may include identification information for one or more service objects, so that the service object identifier may allow the one or more service objects corresponding to the service object identifier to perform related operations.
S12, establishing an association relation between the electronic wallet account object and the business object identification.
After the service object identifier in the second authorization information is analyzed, an association relationship can be established between the service object identifier and the electronic wallet account object, so that the core system can determine one or more service objects associated with the electronic wallet account object by querying the service object identifier.
Specifically, establishing 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 on the client, bind one or more bank accounts, and also may help the user change the bound bank account through the second authorization operation, when the user is changing the bound bank account, the core system receives the second authorization information generated by the user end 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.
as an example, the funds processing event may include:
a funds transfer event and a funds transfer out event;
after determining one or more business objects associated with the e-wallet account object, funds data processing instructions, such as a renewal deduction instruction, a revenue transfer instruction, etc., for the e-wallet account object may be detected, and upon receipt of the funds processing instructions for the one or more business objects, the funds processing instructions may be analyzed to trigger a corresponding funds processing event in accordance with the analyzed funds processing instructions, and to identify that the funds processing event actually relates to the first funds data in accordance with the analyzed funds processing instructions.
In particular, the funds processing event may include: transferring the funds data of the bank account object to the electronic wallet account object; transferring funds data of the universal account object to the electronic wallet account object; transferring the security refund, the claim deposit, the pension and the insurance product into the electronic wallet account object; transferring the fund data of the return 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 out the fund data of the electronic wallet account object to perform insurance duration; transferring the fund data of the electronic wallet account object to purchase insurance products and proxy funds; transferring the funds data of the electronic wallet account object to invest and the like.
And 104, adjusting second fund data with fund adjustment authority of the electronic wallet account object by adopting the first fund data.
The second fund data may include fund data in the electronic wallet account object, and may also include fund data in a business object of which the electronic wallet account object has a fund adjustment authority.
After determining the first funds data, the core system may query the second funds data having funds adjustment authority for the e-wallet account object, and further the core system may adjust the second funds data according to the specific funds processing event triggered and the first funds data.
Specifically, 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 curtailing the first funds data based on the second funds data.
In an example, when the fund transfer event is performed for the investment business object, the investment amount data can be determined, so that the investment is performed according to the fund data in the bank account related to the electronic wallet account object and the electronic wallet account object, and in addition, the electronic wallet account object can preset regular investment and post-investment reminding for the fund transfer event of the investment business object, so that the method of the electronic wallet for the fund transfer event of the investment business object is perfected.
In an embodiment of the present application, the method may further include the following steps:
s21, receiving third authorization information which is sent by a client and aims at the electronic wallet account object; the third authorization information comprises one or more pieces of fund transfer mode information and sequence information corresponding to each piece of fund transfer mode information;
The third authorization information may be authorization information that allows one or more funds transfer modes to be adopted and corresponds to a funds transfer sequence when the user of the client performs funds transfer with respect to the electronic wallet account object; the order information corresponding to the funds transfer method may be a priority order for performing the funds transfer method with respect to the e-wallet account object and the associated bank account object.
In a specific implementation, the user may perform a third authorization operation on the electronic wallet account object in the client, and in response to the authorization operation, the client may generate and send third authorization information, so that the core system may receive the third authorization information sent by the client and directed to the electronic wallet account object.
Specifically, the information of the funds transfer mode may be identification information for one or more funds transfer modes, and the one or more funds transfer modes may include directly transferring funds data of an object; or transferring part of fund data of one object to another object, and transferring fund data with enough requirements from the other object; or transferring out the fund data of one object, and transferring out the missing fund data from the other object if the transferred-out fund data does not meet the requirement.
S22, using the fund transfer mode information, establishing one or more fund transfer mode objects with fund adjustment authority of the electronic wallet account object, and storing sequence information.
When receiving the third authorization information sent by the client for the electronic wallet account object, the core system can analyze the fund transfer mode information to identify one or more fund transfer modes of the electronic wallet account object with the fund adjustment authority.
After recognizing that the electronic wallet account object has one or more funds transfer modes with funds adjusting authority, the core system establishes a corresponding access object according to the one or more funds transfer modes, and stores sequence information corresponding to information of each funds transfer mode.
Specifically, the storage sequence information can store the fund transfer mode information, one or more fund transfer mode objects and the sequence information in an associated manner, so that when the fund transfer is performed, the core system can rapidly inquire the one or more fund transfer mode objects, the fund transfer mode information and the sequence information.
Accordingly, when the funds processing event is a funds transfer event, step 104 may include the sub-steps of:
S31, determining a target funds transfer mode object from one or more funds transfer mode objects according to the sequence information;
in a specific implementation, after storing the sequence information, the core system may query, from one or more funds transfer mode objects according to the sequence information, a target funds transfer mode object actually corresponding to the sequence information, so that corresponding funds transfer may be performed on the target funds transfer mode object according to the sequence information and the funds transfer mode.
S32, adjusting second fund data corresponding to the target fund transfer mode object by adopting the first fund data.
After the target funds transfer mode object is determined, the core system can read the corresponding first funds data in the funds transfer event, and can access the sequence information stored in the third authorization information, and can acquire the target funds transfer mode object according to the sequence information, and the target funds transfer mode information, so that the core system performs funds transfer in a preset sequence and funds transfer mode aiming at the target funds transfer mode object.
In an example, when the insurance company initiates the renewal deduction, the target funds transfer mode object may be a designated bank account and an electronic wallet, and the order information in the electronic wallet is queried to be that the priority order of the bank account is greater than that of the electronic wallet, and the corresponding funds transfer mode is to deduct fees in combination with the designated bank account and the electronic wallet, then assuming that the total amount of the renewal deduction is 1000 yuan, and the customer reserves 800 yuan of the balance of the bank card, the insurance company can deduct 800 yuan of the bank card and 200 yuan of the electronic wallet through the priority order and the funds transfer mode in the electronic wallet, and the renewal deduction is completed, so that the policy state is kept valid.
In one example, the e-wallet object may also record a change detail of the funds data, and upon receipt of a query instruction, may display a related change detail, such as a change-in-out detail query of the funds data, a change-out detail query of the funds data of the e-wallet, a purchased insurance product detail query, and a purchased investment/fund product detail query.
In the embodiment of the application, when the electronic wallet creation request sent by the front-end system is received, the electronic wallet account object is created for the electronic wallet creation request, one or more business objects related to the electronic wallet account object are determined, when the fund processing event for the one or more business objects is detected to be triggered, the first fund data corresponding to the fund processing event is determined, then the first fund data is adopted to adjust the second fund data of the electronic wallet account object with the fund adjustment authority, so that the reduction of the security refund and the payment failure rate of the claim settlement are realized, the better guarantee is provided for the client, the refund, the payment of the claim settlement and the dispute of the client are reduced, the threshold-free insurance account is established, the link between the bank account and the product service of the insurance company is increased, the delay in the fund utilization of the client is reduced, the maximum experience value of the client is created for the client is improved, and the client experience is improved.
Referring to fig. 2, a flowchart illustrating steps of another method for processing data based on electronic wallet according to an embodiment of the present application is applied to a front-end system, where the front-end system is communicatively connected to a core system and a client, and the method 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 that allows an electronic wallet account object to be established, and after receiving the authorization information, generate an electronic wallet creation request, and then 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 the electronic wallet creation request, the method may further include the sub-steps of:
acquiring user identity information and verifying the user identity information; when the user identity information verification passes, the step of generating an electronic wallet creation request is performed.
As an example, verifying the identity information may include:
Facial dynamic information authentication, and/or handwritten signature authentication.
In a specific implementation, after the first authorization information is sent, the client can acquire identity information of the user, and verify the acquired user identity information, for example, call face recognition, and perform living body identification verification on the public security identity verification system; 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 registered name of the client, passing the verification. If the user identity authentication information passes the verification, a corresponding verification result is reserved as evidence that the client actively establishes the electronic wallet, and the front-end system generates an electronic wallet creation request; if the user identity authentication information cannot pass verification, prompt information can be sent to remind the user to transact by adopting an off-line means, for example, the user is reminded to transact authorization through sales or operators of an insurance company, and paper authorization books are signed by a counter of the insurance company, so that sales or operators can keep verification results through an image part mode of uploading the authorization books.
In a specific implementation, after the user front end generates the e-wallet creating request, the e-wallet creating request may be sent to the core system, so that the core system may create an e-wallet account object, determine one or more associated service objects, and based on this, when the core system detects that a funds processing event for the one or more service objects is triggered, adjust second funds data of the e-wallet account object with funds adjustment authority according to the first funds data corresponding to the funds processing event.
In the embodiment of the application, when the first authorization information sent by the client is received, an electronic wallet creation request is generated, and then the electronic wallet creation request is sent to the core system, the core system creates an electronic wallet account object aiming at the electronic wallet creation request, determines one or more business objects related to the electronic wallet account object, determines first fund data corresponding to the fund processing event when the fund processing event aiming at the one or more business objects is detected to be triggered, then adjusts second fund data with fund adjustment authority for the electronic wallet account object by adopting the first fund data, thereby realizing reduction of security refund and claim settlement payment failure rate, providing better guarantee for clients, reducing client refund disputes, establishing a threshold-free insurance account, making through the refund, claim payment, insurance product purchase and fund investment channels, increasing engagement of a bank account and product service of an insurance company, reducing delay in the use of the client fund, creating maximum value for clients and improving the experience of the clients.
The present application is described below with reference to fig. 3 and 4 by way of an example applied to insurance services, but it should be understood that embodiments of the present application are not limited thereto.
1. The applicant logs in an account number of related software of an insurance company through a mobile phone user;
2. the front-end system of the mobile phone of the insurance company displays insurance electronic wallet hook options and service protocols;
3. recording the opening time, reading position and changing state, thereby ensuring that the applicant carefully reads the hooking item and the service protocol;
4. when the applicant sends an authorized instruction of 'consent' through the mobile phone user terminal, recording related authorized information, and entering into setting up an insurance electronic wallet;
5. judging whether the applicant selects a resident identity card to perform identity information verification;
6. if the resident identity card is selected for identity information verification, scanning facial dynamic information of the applicant for face recognition, verifying through a public security department identity information recognition system, and if the resident identity card is verified, setting up an insurance electronic wallet successfully;
7. if the resident identification card is not selected for identity information verification, or if the resident identification card is selected for identity information verification failure, carrying out handwriting signature authentication on a handwriting signature page, identifying the handwriting signature of a user by using an image identification technology, if the authentication is consistent with the registered name of the client, verifying, and setting up an insurance electronic wallet to be successful;
8. If the handwriting verification authentication fails, a prompt message can be sent to remind a user to sign a paper authorization document on a counter of a security company by adopting an off-line means, so that the security electronic wallet is established successfully;
9. after the insurance electronic wallet is successfully established, the associated bank account can be authorized, and the insurance applicant can be further authorized to execute the business objects and business operations allowed to be executed by aiming at the insurance electronic wallet through the setting of a switch;
10. when detecting the event of mutual transfer of the balance of the insurance electronic purse and the bank account, namely the safe refund, the claim deposit, the pension and the insurance product are separated, the renewing of the premium is automatically deducted, the investment product is purchased, and the corresponding funds calling operation is executed, and the insurance electronic purse can receive the safe refund, the claim deposit, the pension and the insurance product separation as shown in figure 4; the method can carry out funds exchange with a universal account and a bank account; when the bank account is insufficient in funds, joint funds deduction can be performed; meanwhile, a shortcut window for purchasing insurance products and proxy fund products can be provided for users to directly purchase; in addition, corresponding demand deposit, steady investment and access investment are carried out according to preset investment rules;
11. The funds data of the insurance e-wallet is reviewed and displayed.
It should be noted that, for simplicity of description, the method embodiments are shown as a series of acts, but it should be understood by those skilled in the art that the embodiments are not limited by the order of acts described, as some steps may occur in other orders or concurrently in accordance with the embodiments. Further, those skilled in the art will appreciate that the embodiments described in the specification are all preferred embodiments and that the acts referred to are not necessarily required by the embodiments of the present application.
Referring to fig. 5, a schematic structural diagram of a data processing device based on an electronic wallet according to an embodiment of the present application is shown, where the device may be applied to a core system, and the core system may be communicatively connected to a front-end system and a client, and may specifically include the following modules:
an electronic wallet creation module 501, configured to, when receiving an electronic wallet creation request sent by the front-end system, create an electronic wallet account object for the electronic wallet creation request; the electronic wallet creation request is generated by the front-end system when receiving first authorization information sent by the client;
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 objects, universal account objects, investment business objects, insurance business objects;
a fund data determining module 503, configured to determine, when it is detected that a fund processing event for the one or more service objects is triggered, first fund data corresponding to the fund processing event; the fund processing event includes: a funds transfer event and a funds transfer out event;
and the fund data adjustment module 504 is configured to adjust second fund data with fund adjustment authority for the electronic wallet account object by using the first fund data.
In one 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; wherein the second authorization information includes a business object identifier;
and the association establishing module establishes an association relation between the electronic wallet account object and the service object identifier.
In an embodiment of the present application, the fund data determining module 503 further includes:
A third authorization information sub-module, configured to receive third authorization information for the electronic wallet account object sent by the client; the third authorization information comprises one or more pieces of fund transfer mode information and sequence information corresponding to each piece of fund transfer mode information;
and the fund transfer mode object establishing sub-module is used for establishing one or more fund transfer mode objects with fund adjustment authority of the electronic wallet account object by adopting the fund transfer mode information and storing the sequence information.
A target funds transfer mode determining sub-module, configured to determine a target funds transfer mode object from the one or more funds transfer mode objects according to the sequence information;
and the second fund data adjustment sub-module is used for adjusting the 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 the electronic wallet creation request sent by the front-end system is received, the electronic wallet account object is created for the electronic wallet creation request, one or more business objects related to the electronic wallet account object are determined, when the fund processing event for the one or more business objects is detected to be triggered, the first fund data corresponding to the fund processing event is determined, then the first fund data is adopted to adjust the second fund data of the electronic wallet account object with the fund adjustment authority, so that the reduction of the security refund and the payment failure rate of the claim settlement are realized, the better guarantee is provided for the client, the refund, the payment of the claim settlement and the dispute of the client are reduced, the threshold-free insurance account is established, the link between the bank account and the product service of the insurance company is increased, the delay in the fund utilization of the client is reduced, the maximum experience value of the client is created for the client is improved, and the client experience is improved.
Referring to fig. 6, a schematic structural diagram of an electronic wallet-based data processing apparatus according to an embodiment of the present application is shown, where the apparatus is applied to a front-end system, and the front-end system is communicatively connected to a core system and a client, and may specifically include the following modules:
a creation request generating 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 aiming at the electronic wallet creation request, determining one or more business objects associated with the electronic wallet account object, determining first fund data corresponding to a fund processing event when the fund processing event aiming at the one or more business objects is detected to be triggered, and adjusting second fund data with fund adjustment authority of the electronic wallet account object 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;
The authentication pass execution module is configured to invoke the creation request generation module 601 when the authentication pass.
In the embodiment of the application, when the first authorization information sent by the client is received, an electronic wallet creation request is generated, and then the electronic wallet creation request is sent to the core system, the core system creates an electronic wallet account object aiming at the electronic wallet creation request, determines one or more business objects related to the electronic wallet account object, determines first fund data corresponding to the fund processing event when the fund processing event aiming at the one or more business objects is detected to be triggered, then adjusts second fund data with fund adjustment authority for the electronic wallet account object by adopting the first fund data, thereby realizing reduction of security refund and claim settlement payment failure rate, providing better guarantee for clients, reducing client refund disputes, establishing a threshold-free insurance account, making through the refund, claim payment, insurance product purchase and fund investment channels, increasing engagement of a bank account and product service of an insurance company, reducing delay in the use of the client fund, creating maximum value for clients and improving the experience of the clients.
An embodiment of the present application further provides an electronic device that may include a processor, a memory, and a computer program stored on the memory and capable of running on the processor, the computer program implementing the steps of the method for electronic wallet-based data processing as above when executed by the processor.
An embodiment of the present application also provides a computer-readable storage medium on which a computer program is stored, which when executed by a processor, implements the steps of the method of e-wallet based data processing as above.
For the device embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points.
In this specification, each embodiment is described in a progressive manner, and each embodiment is mainly described by differences from other embodiments, and identical and similar parts between the embodiments are all enough to be referred to each other.
It will be apparent to those skilled in the art that embodiments of the present application may be provided as a method, apparatus, or computer program product. Accordingly, the present embodiments 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 on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 device to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing terminal device, 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 apparatus 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 apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus 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 embodiments have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the embodiments of the present application.
Finally, it is further noted that relational terms such as first and second, and the like are 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. Moreover, 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 one … …" does not exclude the presence of other like elements in a process, method, article or terminal device comprising the element.
The foregoing has described in detail the method and apparatus for processing data based on electronic wallet, and specific examples have been applied herein to illustrate the principles and embodiments of the present application, the above examples being for the purpose of helping to understand the method and core ideas of the present application; meanwhile, as those skilled in the art will have modifications in the specific embodiments and application scope in accordance with the ideas of the present application, the present description should not be construed as limiting the present application in view of the above.
Claims (9)
1. 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 receiving an electronic wallet creation request sent by the front-end system, creating an electronic wallet account object aiming at the electronic wallet creation request; the electronic wallet creation request is generated by the front-end system when receiving first authorization information sent by the client;
determining one or more business objects associated with the e-wallet account object; the business object comprises any one of the following: bank account objects, universal account objects, investment business objects, insurance business objects;
Determining first fund data corresponding to a fund processing event when the fund processing event aiming at one or more business objects is detected to be triggered;
adjusting second fund data of the electronic wallet account object with fund adjustment authority by adopting the first fund data; the second funds data includes funds data of the e-wallet account object and funds data in the business object for which the e-wallet account object has funds adjustment authority.
2. The method of claim 1, wherein prior to 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; wherein the second authorization information includes a business object identifier;
and establishing an association relation between the electronic wallet account object and the service object identifier.
3. The method of claim 1 or 2, wherein the funds processing event comprises: a funds transfer event and a funds transfer out event.
4. A method according to claim 3, characterized in that 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 pieces of fund transfer mode information and sequence information corresponding to each piece of fund transfer mode information;
and establishing one or more funds transfer mode objects with funds adjustment authority of the electronic wallet account object by adopting the funds transfer mode information, and storing the sequence information.
5. The method of claim 4, wherein the step of adjusting second funds data of the e-wallet account object having funds adjustment authority using the first funds data when the funds processing event is a funds transfer event comprises:
determining a target funds transfer mode object from the one or more funds transfer mode objects according to the sequence information;
and adjusting second fund data corresponding to the target fund transfer mode object by adopting the first fund data.
6. A data processing method based on an 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 creation request when receiving first authorization information sent by the client;
sending the electronic wallet creation request to the core system; the core system is used for creating an electronic wallet account object aiming at the electronic wallet creation request, determining one or more business objects associated with the electronic wallet account object, determining first fund data corresponding to a fund processing event when the fund processing event aiming at the one or more business objects is detected to be triggered, and adopting the first fund data to adjust second fund data of the electronic wallet account object with fund adjustment authority;
the business object comprises any one of the following: bank account objects, universal account objects, investment business objects, insurance business objects; the second funds data includes funds data of the e-wallet account object and funds data in the business object for which the e-wallet account object has funds adjustment authority.
7. The method of claim 6, wherein prior to the step of generating the e-wallet creation request, the method further comprises:
Acquiring user identity information and verifying the user identity information;
and executing the step of generating an electronic wallet creation request when the user identity information verification passes.
8. A data processing device 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 data processing device comprises:
the electronic wallet creation module is used for creating an electronic wallet account object aiming at the electronic wallet creation request when receiving the electronic wallet creation request sent by the front-end system; the electronic wallet creation request is generated by the front-end system when receiving first authorization information sent by the client;
a business object determination module for determining one or more business objects associated with the e-wallet account object; the business object comprises any one of the following: bank account objects, universal account objects, investment business objects, insurance business objects;
a fund data determining module, 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 fund data adjustment module is used for adjusting second fund data with fund adjustment authority of the electronic wallet account object by adopting the first fund data; the second funds data includes funds data of the e-wallet account object and funds data in the business object for which the e-wallet account object has funds adjustment authority.
9. A data processing device based on an 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 comprises:
the creation request generation module is used for generating an electronic wallet creation request when receiving the first authorization information sent by the client;
the creation request sending module is used for sending the electronic wallet creation request to the core system; the core system is used for creating an electronic wallet account object aiming at the electronic wallet creation request, determining one or more business objects associated with the electronic wallet account object, determining first fund data corresponding to a fund processing event when the fund processing event aiming at the one or more business objects is detected to be triggered, and adopting the first fund data to adjust second fund data of the electronic wallet account object with fund adjustment authority;
The business object comprises any one of the following: bank account objects, universal account objects, investment business objects, insurance business objects; the second funds data includes funds data of the e-wallet account object and funds data in the business object for which the e-wallet account object has funds adjustment authority.
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