CN111461692A

CN111461692A - Data processing method and device

Info

Publication number: CN111461692A
Application number: CN202010302651.1A
Authority: CN
Inventors: 杨晓; 李扬; 陈宇东; 薛肇青; 石岩
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-04-17
Filing date: 2020-04-17
Publication date: 2020-07-28

Abstract

An embodiment of the present specification provides a data processing method and an apparatus, wherein the data processing method includes: acquiring account quota transfer requests submitted by a user aiming at a first account and a second account through an account quota transfer interface; the first account and the second account establish account association based on the identity information of the user; determining a transfer path for transferring the account credit to the first account and the second account based on the master-slave triggering relationship of the first account and the second account in the account credit transfer interface; judging whether the credit line transfer value meets the account credit line transfer condition corresponding to the transfer path or not according to the credit line transfer value contained in the account credit line transfer request; and if so, carrying out account quota transfer processing on the first account and the second account according to the transfer path.

Description

Data processing method and device

Technical Field

The embodiment of the specification relates to the technical field of data processing, in particular to a data processing method. One or more embodiments of the present specification also relate to a data processing apparatus, a computing device, and a computer-readable storage medium.

Background

With the development of information technology, under the support of internet technology, service providers (such as websites, banks, telecommunication operators, and the like) provide networked service platforms for users, and users can directly obtain corresponding services on the networked service platforms, and can select to pay for the services through resource accounts while obtaining the services.

The resource account is an indispensable element in online transaction, and by using the transaction account, a user can conveniently complete transfer, payment and the like through a computer and the internet. With the networking development of various traditional services, the application range of resource accounts is also wider and wider, and after a user opens a resource account, a service provider can set a certain amount of initial available resource quota for the user.

Disclosure of Invention

In view of this, the embodiments of the present specification provide a data processing method. One or more embodiments of the present specification also relate to a data processing apparatus, a computing device, and a computer-readable storage medium to address technical deficiencies in the prior art.

According to a first aspect of embodiments herein, there is provided a data processing method including:

acquiring account quota transfer requests submitted by a user aiming at a first account and a second account through an account quota transfer interface; the first account and the second account establish account association based on the identity information of the user;

determining a transfer path for transferring the account credit to the first account and the second account based on the master-slave triggering relationship of the first account and the second account in the account credit transfer interface;

judging whether the credit line transfer value meets the account credit line transfer condition corresponding to the transfer path or not according to the credit line transfer value contained in the account credit line transfer request;

and if so, carrying out account quota transfer processing on the first account and the second account according to the transfer path.

Optionally, the account credit line transfer request is triggered and submitted by the user based on an account credit line management page;

the transfer path includes: an account quota allocation path for allocating the account quota to the sub-account selected by the user from at least one sub-account of the displayed main account from the main account to which the account quota management page belongs;

the account quota transfer condition corresponding to the transfer path comprises the following steps: the credit line transfer value is less than or equal to the available credit line of the main account.

Optionally, the performing account credit line transfer processing on the first account and the second account according to the transfer path includes:

and deducting the account amount of the main account according to the amount transfer value, and distributing the amount for the sub-account according to the amount transfer value.

Optionally, after the step of performing account credit transfer processing on the first account and the second account according to the transfer path is executed, the method includes:

generating and issuing an amount distribution reminder of the allocated amount of the sub-account;

adding a deduction record of the deducted account amount in the account amount updating list of the main account, and adding an amount distribution record of the distributed amount in the account amount updating list of the sub-account;

and updating the fixed limit of the sub-account based on the limit transfer value, and displaying the updated fixed limit on an account limit page of the sub-account.

the transfer path includes: an account quota allocation path for allocating the account quota to the sub-account from the main account to which the sub-account belongs, the main account being displayed on the account quota management page;

the transfer path includes: an account quota allocation path for allocating account quota to the main account from a sub-account selected by the user from at least one sub-account of the main account to which the account quota management page belongs;

the account quota transfer condition corresponding to the transfer path comprises the following steps: the credit transfer value is less than or equal to the deduction credit of the main account and less than or equal to the available credit of the sub-account.

Optionally, the determining whether the credit line transfer value meets the account credit line transfer condition corresponding to the transfer path includes:

reading the deduction amount of the main account;

judging whether the deduction amount is larger than or equal to the amount transfer value or not;

if yes, reading the available limit of the sub-account;

judging whether the available quota of the sub-account is larger than or equal to the quota transfer value;

and if so, executing the step of transferring the account quota of the first account and the second account according to the transfer path.

and deducting the account amount of the sub-account according to the amount transfer value, and distributing the amount for the main account according to the amount transfer value.

generating and issuing an amount distribution reminder of the allocated amount of the main account;

adding a deduction record of the deducted account amount in the account amount updating list of the sub-account, and adding an amount distribution record of the distributed amount in the account amount updating list of the main account;

and updating the fixed limit of the main account based on the limit transfer numerical value, and displaying the updated fixed limit on an account limit page of the main account.

the transfer path includes: an account quota allocation path for allocating an account quota to the main account to which the sub-account belongs from the sub-account displayed on the account quota management page;

the account quota transfer condition corresponding to the transfer path comprises the following steps: the amount transfer value is less than or equal to the available amount of the sub-account.

reading a total value of account amount distribution of the main account to the sub-accounts;

judging whether the total value is larger than or equal to the quota transferring value;

Optionally, the first account includes at least one of: a data resource account, a virtual resource account, a computing resource account, a fund account;

the second account includes at least one of: a data resource account, a virtual resource account, a computing resource account, a fund account;

the account credit includes at least one of: the amount of data resources in the data resource account, the amount of virtual resources in the virtual resource account, the amount of computing resources in the computing resource account, and the amount of funds in the fund account.

According to a second aspect of embodiments herein, there is provided a data processing apparatus comprising:

the acquisition module is configured to acquire account credit line transfer requests submitted by users aiming at the first account and the second account through the account credit line transfer interface; the first account and the second account establish account association based on the identity information of the user;

the determining module is configured to determine a transfer path for account credit transfer of the first account and the second account based on a master-slave trigger relationship of the first account and the second account in the account credit transfer interface;

the judging module is configured to judge whether the quota transfer value meets account quota transfer conditions corresponding to the transfer path according to a quota transfer value contained in the account quota transfer request;

if yes, operating the processing module;

the processing module is configured to perform account credit line transfer processing on the first account and the second account according to the transfer path.

According to a third aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:

According to a fourth aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the data processing method.

In one embodiment of the present specification, an account amount transfer request submitted by a user through an account amount transfer interface for a first account and a second account is acquired, a transfer path for performing account amount transfer for the first account and the second account is determined based on a master-slave trigger relationship of the first account and the second account in the account amount transfer interface, whether an account amount transfer condition corresponding to the transfer path is satisfied by the amount transfer value is determined according to an amount transfer value included in the account amount transfer request, and if so, account amount transfer processing is performed on the first account and the second account according to the transfer path; the account quota transfer between the first account and the second account is realized, the account quota sharing between different accounts is realized, and the method is favorable for improving the activity of the user.

Drawings

FIG. 1 is a process flow diagram of a data processing method provided in one embodiment of the present description;

FIG. 2 is a schematic view of an account credit management page for a primary account provided in one embodiment of the present description;

FIG. 3 is a diagram illustrating an update result of an account amount management page of a primary account provided in one embodiment of the present specification;

FIG. 4 is a diagram of an initial account amount management page of the sub-account 1 provided in one embodiment of the present specification;

FIG. 5 is a diagram showing an update result of an account amount management page of the sub-account 1 provided in one embodiment of the present specification;

FIG. 6 is a flowchart illustrating an application for allocating credit provided in an embodiment of the present disclosure;

FIG. 7 is a flowchart illustrating the collection of credit from an account according to an embodiment of the present disclosure;

FIG. 8 is a flowchart illustrating a return of an account amount according to an embodiment of the present disclosure;

FIG. 9 is a flowchart illustrating a data processing method according to an embodiment of the present disclosure;

FIG. 10 is a schematic diagram of a data processing apparatus provided in one embodiment of the present description;

fig. 11 is a block diagram of a computing device according to an embodiment of the present disclosure.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

In the present specification, a data processing method is provided, and the present specification relates to a data processing apparatus, a computing device, and a computer-readable storage medium, which are described in detail one by one in the following embodiments.

Fig. 1 shows a process flow diagram of a data processing method provided according to an embodiment of the present specification, including steps 102 to 108.

102, acquiring an account quota transfer request submitted by a user aiming at a first account and a second account through an account quota transfer interface; the first account and the second account establish an account association based on the identity information of the user.

The resource account is an indispensable element in the online transaction process, and by using the resource account, a user can conveniently complete account transfer, payment and the like through a computer and the Internet. With the networking development of various traditional services, the application range of resource accounts is wider and wider, and after a user opens a resource account, a service provider can set a certain amount of initial available quota for the user.

Based on this, the data processing method provided in this specification determines, through an account amount transfer interface, an account amount transfer request submitted for a first account and a second account, a transfer path for performing account amount transfer for the first account and the second account based on a master-slave trigger relationship of the first account and the second account in the account amount transfer interface, determines, according to an amount transfer value included in the account amount transfer request, whether the amount transfer value satisfies an account amount transfer condition corresponding to the transfer path, and if so, performs account amount transfer processing on the first account and the second account according to the transfer path; the account quota transfer between the first account and the second account is realized, the account quota sharing between different accounts is realized, and the method is favorable for improving the activity of the user.

Specifically, the first account and the second account may be a data resource account, a virtual resource account, a computing resource account, or a fund account; the first account and the second account are accounts of the same account type, that is, if the first account is a data resource account, the second account is also a data resource account, if the first account is a virtual resource account, the second account is a data resource account, if the first account is a computing resource account, the second account is also a computing resource account, and if the first account is a fund account, the second account is also a fund account;

When the method is specifically implemented, the user can open at least one account of the same type based on the identity information of the user, the account with the first service agreement opened and signed in the same type is used as a main account, at least one account with the supplementary agreement is opened and signed as a sub-account of the main account, and account amount transfer can be carried out between the main account and the sub-account.

The first account is a main account, and the second account is any one of at least one sub-account of the main account; the account transfer request is triggered and submitted by the user based on an account credit management page.

The account transfer request in the embodiment of the present specification is divided into four cases, where one of the cases is an account quota allocation request submitted by a user and used for allocating a quota from a main account to any one of sub-accounts, and in this case, the transfer path is: an account quota allocation path for allocating an account quota from a main account corresponding to the account quota management page to a sub-account selected by the user based on the account quota management page; and the account quota transfer condition corresponding to the transfer path comprises the following steps: the credit transfer value is smaller than the available credit of the primary account.

And 104, determining a transfer path for transferring the account credit to the first account and the second account based on the master-slave trigger relationship of the first account and the second account in the account credit transfer interface.

Specifically, after an account quota transfer request is obtained, a transfer path of the account quota is determined according to a master-slave triggering relationship between a first account and a second account submitted by a user; the master-slave triggering relationship can be the triggering sequence of the account, and the transfer path of the account limit can be determined by combining the triggering sequence of the account and the account limit transfer request submitted by the user.

Still taking the account amount transfer request as an example of an account amount distribution request submitted by the user and used for allocating the amount from the main account to any one of the sub-accounts, after the user triggers the main account, the schematic diagram of the account amount management page of the main account is shown in fig. 2, fig. 2 also shows sub-account information associated with the main account for the user, and the sub-account 1 and the sub-account 2 are taken as an example for schematic illustration, the user can trigger the sub-account by clicking a distribution control corresponding to the sub-account 1 or the sub-account 2, and if the sub-account triggered by the user is the sub-account 1, the account amount transfer path can be determined as follows: and allocating the account quota to the sub account 1 from the main account to which the account quota management page belongs.

And step 106, judging whether the amount transfer value meets the account amount transfer condition corresponding to the transfer path or not according to the amount transfer value contained in the account amount transfer request.

Specifically, the different transfer paths have a credit transfer account and a credit transfer account, and whether the credit transfer value meets the account credit transfer condition corresponding to the transfer path is judged, that is, whether the credit transfer value is less than or equal to the available credit of the credit transfer account in the transfer path is judged, and the credit transfer value can be transferred only when the credit transfer value is less than or equal to the available credit of the credit transfer account in the transfer path, so that after the transfer path is determined, whether the credit transfer value meets the credit transfer condition corresponding to the transfer path is judged; if the account quota is met, the account quota transfer processing can be carried out according to the transfer path.

In specific implementation, the transfer path is determined as follows: under the condition that the account amount is distributed to the sub-account selected by the user based on the account amount management page from the main account corresponding to the account amount management page, whether the amount transfer numerical value meets the account amount transfer condition corresponding to the transfer path or not is judged, and the method can be specifically realized in the following way:

reading the available quota of the main account;

judging whether the available quota of the main account is larger than or equal to the quota transfer value;

and if so, transferring the account quota of the first account and the second account according to the transfer path.

Specifically, the transfer path is: and carrying out account amount distribution on the sub-account selected by the user based on the account amount management page from the main account corresponding to the account amount management page, so that the available amount of the main account needs to be read, and whether the available amount of the main account is larger than or equal to the amount transfer value is judged.

Along the use example, the account quota transfer request is an account quota allocation request submitted by a user and used for allocating quota from a main account to any one of the sub-accounts, and the transfer path is determined as follows: allocating the account quota to the sub account 1 from the main account to which the account quota management page belongs; as shown in fig. 2, the available amount of the primary account is 14000 yuan, so before the account amount transfer process, it is necessary to determine whether the amount transfer value is less than or equal to 14000, and if so, the account amount transfer process can be performed on the primary account and the sub-account 1.

And 108, carrying out account quota transfer processing on the first account and the second account according to the transfer path.

Specifically, the account amount transfer path of the first account and the second account is determined, and under the condition that the amount transfer value meets the account amount transfer condition corresponding to the transfer path, the account amount transfer processing can be carried out according to the transfer path.

In specific implementation, the transfer path is determined as follows: and under the condition that account amount distribution is carried out on a sub-account selected by the user based on the account amount management page from a main account corresponding to the account amount management page, carrying out account amount transfer processing on the first account and the second account according to the transfer path, namely, deducting the account amount of the main account according to the amount transfer value, and distributing the amount for the sub-account according to the amount transfer value.

Along the use example, the account quota transfer request is an account quota allocation request submitted by a user and used for allocating quota from a main account to any one of the sub-accounts, and the transfer path is determined as follows: allocating the account quota to the sub account 1 from the main account to which the account quota management page belongs; as shown in FIG. 2, the available amount of the primary account is 14000 yuan, so that if the amount of the transferred amount is determined to be less than or equal to 14000, the account amount of the primary account can be transferred and subtracted, and the corresponding account amount of the secondary account 1 can be increased.

In addition, after the account amount transfer processing is performed on the first account and the second account according to the transfer path, the allocation records and the available amount of the primary account and the secondary account need to be updated, which can be specifically realized by the following method:

Specifically, the account quota transfer request is an account quota allocation request submitted by the user and used for allocating quota from the main account to any one of the sub-accounts, and the transfer path is determined as follows: and under the condition that account amount distribution is performed on the sub-account selected by the user based on the account amount management page from the main account corresponding to the account amount management page, after account amount transfer processing is performed on the sub-account from the main account according to a transfer path, an account amount distribution prompt can be sent to the sub-account, and the amount distribution records and the available amount of the main account and the sub-account are updated.

Along the above example, after the primary account allocates the quota to the sub-account 1, a schematic diagram of an update result of the account quota management page of the primary account is shown in fig. 3, and as can be seen from fig. 3, after the primary account allocates the quota to the sub-account 1, the available quota of the primary account is updated to 12500 yuan; in addition, after opening the sub-account 1, a schematic diagram of the primary account amount management page of the sub-account 1 is shown in fig. 4, taking the sub-account as the sub-account 1 as an example, the main account performs account amount transfer processing to the sub-account 1, and the amount transfer value is 1500 yuan, and a schematic diagram of an update result of the account amount management page of the sub-account 1 after the amount transfer is completed is shown in fig. 5, as can be seen from fig. 5, the available amount of the sub-account 1 is updated to 1500 yuan.

The account amount is transferred from the main account to the sub-account, so that the sharing of the account amount between the main account and the sub-account is realized, and in this way, the available amount of the sub-account is increased, so that the payment requirement of the user for payment through the sub-account is met, and the activity of the user is improved.

In addition, the second case of the account transfer request in the embodiment of the present specification is a manner in which the user sends an account amount transfer request to the main account belonging to the sub account, and requests the main account to transfer the account amount to the sub account.

In specific implementation, when an account transfer request is a manner that a user sends an account amount transfer request to a main account to which a sub-account belongs to request the main account to transfer the account amount to the sub-account, the account amount transfer request is triggered and submitted by the user based on an account amount management page; the account amount management page is an initial account amount management page of the sub-account, the schematic diagram of the page is shown in fig. 4, and a user can submit an account amount transfer request by clicking an application control in fig. 4; the transfer path is: an account quota allocation path for allocating the account quota to the sub-account from the main account to which the sub-account belongs, the main account being displayed on the account quota management page; and the account quota transfer condition corresponding to the transfer path comprises the following steps: the credit line transfer value is less than or equal to the available credit line of the main account.

Because the quota allocation can only be performed from the main account to the sub-accounts, and the quota allocation cannot be performed between the sub-accounts, after the user triggers the sub-accounts, the initial account quota management page of the sub-accounts is as shown in fig. 4, after the application control in fig. 4 is clicked, the main account is triggered, and if the sub-account is the sub-account 1, the account quota transfer path can be determined as follows: and carrying out account quota distribution to the sub-account 1 from the main account to which the sub-account 1 belongs.

In specific implementation, the transfer path is determined as follows: under the condition that the account amount is allocated to the sub-account from the main account to which the sub-account belongs shown on the account amount management page, whether the amount transfer value meets the account amount transfer condition corresponding to the transfer path or not is judged, and the method can be specifically realized in the following way:

reading the available quota of the main account;

Specifically, the transfer path is: and allocating the account quota to the sub-account from the main account to which the sub-account belongs, wherein the sub-account is displayed on the account quota management page, so that the available quota of the main account needs to be read, and whether the available quota of the main account is larger than or equal to the quota transfer value is judged.

Still taking the account quota transfer request submitted by the user as an account quota allocation request for allocating the quota from the main account to any one of the sub-accounts, the transfer path is as follows: distributing the account quota to the sub account 1 from the main account to which the sub account 1 belongs, wherein the main account is displayed on the account quota management page; therefore, before the account amount transfer process, it is necessary to determine whether the amount transfer value is less than or equal to the available amount of the primary account, and if so, the account amount transfer process can be performed on the primary account and the sub-account 1.

In specific implementation, the transfer path is determined as follows: and under the condition that the account amount is allocated to the sub-account from the main account to which the sub-account belongs, performing account amount transfer processing on the first account and the second account according to the transfer path, namely, deducting the account amount of the main account according to the amount transfer value, and allocating the amount to the sub-account according to the amount transfer value.

Along the use example, the account amount transfer request is a mode that a user sends an account amount transfer request to a main account to which a sub-account 1 belongs to request the main account to transfer the account amount to the sub-account 1, and the transfer path is determined as follows: distributing the account quota to the sub account 1 from the main account to which the sub account 1 belongs, wherein the main account is displayed on the account quota management page; if the available amount of the primary account is 14000 yuan, the account amount transfer of the primary account can be deducted and the corresponding account amount increase processing can be carried out on the secondary account 1 under the condition that the amount transfer value is judged to be less than or equal to 14000 yuan.

Specifically, in the case that the account amount transfer request is a manner that the user sends an account amount transfer request to a primary account to which a sub-account belongs, the primary account is requested to transfer the account amount to the sub-account, and a transfer path is determined as follows: and under the condition that the account amount is allocated to the sub-account from the main account to which the sub-account belongs, the account amount allocation reminder can be sent to the sub-account after the account amount is transferred from the main account to the sub-account according to the transfer path, and the amount allocation records and the available amounts of the main account and the sub-account are updated.

Along the above example, after the main account allocates the quota to the sub-account 1, a schematic diagram of an update result of the account quota management page of the main account is shown in fig. 3; in addition, after the quota allocation is completed, a schematic diagram of an account quota management page of the sub-account 1 is shown in fig. 5.

The implementation process of the sub-account applying for the main account to allocate the account amount for the sub-account is shown in fig. 6, firstly initiating an application amount allocation request to the main account, inputting the amount value applied for allocation and confirming that the application request is submitted, then informing the main account, under the condition that the main account agrees to allocate the account amount for the sub-account, checking whether the available amount (residual amount) of the main account is larger than or equal to the amount value input by the sub-account, if not, the user needs to input the amount value again and judge again; if the judgment result is yes, the main account is subjected to safe checking (identity verification), under the condition that the checking passes, the account amount corresponding to the quota value is deducted from the main account, the account amount corresponding to the quota value is added to the sub-account, finally, an account amount distribution reminding notice can be sent to the main account and the sub-account, and the quota distribution record and the available quota of the main account and the sub-account are updated.

The process of transferring the account amount from the main account to the sub-account 2 is similar to the process of transferring the account amount from the main account to the sub-account 1, and is not described herein again.

The foregoing mainly describes a specific implementation process in which, after a user opens a sub-account associated with a main account, the user actively performs quota allocation from the main account to the sub-account, and a specific implementation process in which the main account is requested to perform quota allocation for the sub-account by sending a quota allocation application to the main account; in addition, after allocating the quota from the main account to the sub-account, the user may also withdraw the allocated quota from the sub-account, so that the third case of the account transfer request in the embodiment of the present specification is that the quota is transferred from the sub-account to the main account by sending the account quota transfer request to the sub-account.

In specific implementation, when an account transfer request is the condition that a user withdraws the account amount transferred by a main account for a sub-account by sending the account amount transfer request to the sub-account, the account amount transfer request is triggered and submitted by the user based on an account amount management page; the account amount management page is an account amount management page of the primary account, the schematic diagram of which is shown in fig. 3, and a user can submit an account amount transfer request by clicking the retraction control in fig. 3; the transfer path is: an account quota allocation path for allocating account quota to the main account from a sub-account selected by the user from at least one sub-account of the main account to which the account quota management page belongs; and the account quota transfer condition corresponding to the transfer path comprises the following steps: the credit transfer value is less than or equal to the deduction credit of the main account and less than or equal to the available credit of the sub-account.

After the account amount transfer processing is performed from the main account to any one or more sub-accounts associated with the main account, the account amount management page of the main account is as shown in fig. 3, after the retraction control in fig. 3 is clicked, the sub-account is triggered, and if the sub-account is the sub-account 1, the account amount transfer path can be determined as follows: and carrying out account quota distribution to the main account from the sub account 1.

In specific implementation, the transfer path is determined as follows: under the condition that the sub-account selected by the user from at least one sub-account of the main account to which the account amount management page belongs is allocated to the main account, whether the amount transfer value meets the account amount transfer condition corresponding to the transfer path or not is judged, and the method can be specifically realized in the following way:

reading the deduction amount of the main account;

if yes, reading the available limit of the sub-account;

Specifically, the deduction amount is an amount allocated to the sub-account by the primary account, since the primary account needs to withdraw the account amount allocated to the sub-account from the sub-account, and the transfer path is as follows: the sub account selected by the user from at least one sub account of the main account of the account limit management page is allocated to the main account, so that the limit value allocated to the sub account by the main account needs to be read, and whether the limit value allocated to the sub account by the main account is larger than or equal to the limit transfer value is judged; if yes, whether the available quota in the sub-account is larger than or equal to the quota transfer value needs to be judged.

In specific implementation, the transfer path is determined as follows: and under the condition that the sub account selected from at least one sub account of the main account to which the account amount management page belongs by the user is allocated to the main account, carrying out account amount transfer processing on the first account and the second account according to the transfer path, namely, deducting the account amount of the sub account according to the amount transfer value, and allocating the amount to the main account according to the amount transfer value.

And withdrawing the account amount transferred by the main account for the sub-account 1 in a mode that the account amount transfer request is sent to the sub-account 1 by taking the account amount transfer request as a user, and determining a transfer path as follows: the sub account 1 selected by the user from at least one sub account of the main account to which the account quota management page belongs distributes the account quota to the main account; if the amount allocated by the main account to the sub-account is 1500 yuan, therefore, under the condition that the amount transfer value is judged to be less than or equal to 1500 yuan, whether the available amount in the sub-account 1 is larger than or equal to 1500 yuan needs to be judged, if so, the account amount transfer deduction is carried out on the sub-account 1, and the corresponding account amount increase processing is carried out on the main account.

Specifically, in the case of the account amount transfer request, the user withdraws the account amount transferred by the main account to the sub-account by sending the account amount transfer request to the sub-account, and the transfer path is determined as follows: and under the condition that the sub account selected from at least one sub account of the main account to which the account amount management page belongs by the user is allocated to the main account, after account amount transfer processing is carried out from the sub account to the main account according to a transfer path, an account amount allocation prompt can be sent to the sub account, and the account amount allocation records and the available amount of the main account and the sub account are updated.

The specific implementation process of the main account for withdrawing the account amount allocated to the sub-account from the sub-account is shown in fig. 7, the main account initiates an amount withdrawing instruction to the sub-account, and after the main account inputs the withdrawn amount, it needs to be determined whether the withdrawn amount is less than or equal to the total amount of the account amount allocated to the sub-account by the main account, if not, the input is prohibited, and the amount withdrawing result is a withdrawal failure; if yes, further judging whether the recovery amount is less than or equal to the recoverable value (available amount) of the sub-account, if the recovery amount is less than or equal to the recoverable value of the sub-account, deducting the account amount corresponding to the credit value from the sub-account, and adding the account amount corresponding to the credit value into the main account, wherein the credit recovery result is the recovery success;

if the amount of the withdrawal is larger than the recoverable value of the sub-account, the amount withdrawal result is the withdrawal failure, the reason of the withdrawal failure is sent to the user, the user is prompted to modify the withdrawal amount, and whether the withdrawal amount is smaller than or equal to the total amount of the account amount distributed to the sub-account by the main account or not is continuously judged under the condition that the modified withdrawal amount input by the user is received;

after the line is successfully recovered, an account line distribution reminding notice can be sent to the main account and the sub-account, and the line distribution records and the available lines of the main account and the sub-account are updated.

After the main account distributes the account amount to the sub-accounts, the allocated amount can be recovered to the sub-accounts, so that the utilization rate of account resources among different accounts can be improved, the payment requirement of a user for payment through the main account or the sub-accounts can be met, and the activity of the user can be improved.

As described above, after the user allocates the amount from the main account to the sub-account, in addition to retrieving the allocated amount from the sub-account, the sub-account can also actively return the account amount allocated to the sub-account by the main account.

In specific implementation, when the account transfer request is the account amount transferred by the user for the sub-account by sending the account amount transfer request to the main account, the account amount transfer request is triggered and submitted by the user based on the account amount management page; the account amount management page is an account amount management page of the sub-account, after the main account allocates the account amount to the sub-account, the schematic diagram of the account amount management page of the sub-account is shown in fig. 5, and the user can submit the account amount transfer request by clicking the return control in fig. 5; the transfer path is: an account quota allocation path for allocating an account quota to a main account to which the sub-account belongs from the sub-account to which the account quota management page belongs; and the account quota transfer condition corresponding to the transfer path comprises the following steps: the credit line transfer value is smaller than or equal to the total credit line value of account credit line distribution of the main account to the sub-account.

After the main account transfers the account quota to any one or more sub-accounts associated with the main account, the account quota management page of the sub-account is as shown in fig. 5, and after the return control in fig. 5 is clicked, the main account is triggered, so that the account quota transfer path can be determined as follows: and carrying out account quota allocation from the sub-account to the main account to which the sub-account belongs.

In specific implementation, the transfer path is determined as follows: under the condition that account amount distribution is carried out on the sub-account to which the account amount management page belongs to the main account to which the sub-account belongs, whether the amount transfer value meets the account amount transfer condition corresponding to the transfer path or not is judged, and the method can be specifically realized in the following mode:

Specifically, the transfer path is: and reading the total account amount value distributed from the main account to the sub-accounts under the condition that the sub-accounts are distributed to the main account to which the sub-accounts belong from the sub-accounts to which the account amount management page belongs, and judging whether the total account amount value is greater than or equal to the amount transfer value.

In specific implementation, the transfer path is determined as follows: and under the condition that account amount distribution is carried out on a sub-account to which the account amount management page belongs to a main account to which the sub-account belongs, carrying out account amount transfer processing on the first account and the second account according to the transfer path, namely, deducting the account amount of the sub-account according to the amount transfer value, and distributing the amount for the main account according to the amount transfer value.

Specifically, the account amount transfer request is a manner that the user sends the account amount transfer request to the main account, the main account returns the account amount transferred for the sub-account, and the transfer path is determined as follows: and under the condition that account amount distribution is carried out on the sub-account to which the account amount management page belongs to the main account to which the sub-account belongs, after account amount transfer processing is carried out on the sub-account to the main account according to a transfer path, an account amount distribution prompt can be sent to the main account, and the account amount distribution records and the available amount of the main account and the sub-account are updated.

The implementation process of actively returning the account amount allocated by the main account to the sub-account is shown in fig. 8, the sub-account initiates an amount returning request, after the returning amount is input, whether the returning amount is smaller than or equal to the total amount of the account amount actually allocated by the main account to the sub-account needs to be judged, if not, the input is forbidden, and the returning fails; if yes, deducting the account amount corresponding to the quota value from the sub-account, adding the account amount corresponding to the quota value into the main account, finally sending account amount distribution reminding notices to the main account and the sub-account, and updating the amount distribution records and the available amount of the main account and the sub-account.

After the main account distributes the account amount to the sub-accounts, the sub-accounts can return the distributed amount to the main account, so that the utilization rate of account resources among different accounts is favorably improved, the payment requirement of a user for payment through the main account or the sub-accounts is met, and the activity of the user is favorably improved.

The following describes the data processing method further by taking an application of the data processing method provided in this specification to a case where a user performs account quota allocation from a primary account to a secondary account as an example, with reference to fig. 9. Fig. 9 shows a flowchart of a processing procedure of a data processing method provided in an embodiment of the present specification, and specific steps include step 902 to step 922.

Step 902, obtain an account credit transfer request submitted by a user for a first account and a second account through an account credit transfer interface.

Step 904, based on the master-slave triggering relationship of the first account and the second account in the account credit line transfer interface, determining a transfer path of the account credit line transfer between the first account and the second account as a main account to which the account credit line management page belongs, and allocating the account credit line to a sub-account selected by the user from at least one sub-account of the displayed main account.

Step 906, reading the available quota of the primary account.

Step 908, reading the credit line transfer value contained in the account credit line transfer request.

Step 910, determining whether the available quota of the primary account is greater than or equal to the quota transfer value; if not, go to step 912; if yes, go to step 914.

Step 912, sending a re-input reminder of the quota transfer value to the user, and obtaining the quota transfer value input by the user.

Specifically, after obtaining the value transfer value re-entered by the user, the process returns to step 910.

And 914, performing security check on the primary account.

Specifically, in case the core is successful, step 916 is performed.

And 916, deducting the account quota of the main account according to the quota transfer value, and allocating a quota for the sub-account according to the quota transfer value.

Step 918, generating and issuing a quota allocation reminder of the allocated quota of the sub-account.

Step 920, adding a credit deduction record of the deducted credit amount of the account credit amount in the account credit amount updating list of the main account, and adding a credit amount distribution record of the distributed credit amount in the account credit amount updating list of the sub-account.

Step 922, updating the fixed quota of the sub-account based on the quota transfer value, and displaying the updated fixed quota on the account quota page of the sub-account.

Corresponding to the above method embodiments, the present specification further provides data processing apparatus embodiments, and fig. 10 shows a schematic diagram of a data processing apparatus provided in an embodiment of the present specification. As shown in fig. 10, the apparatus includes:

the obtaining module 1002 is configured to obtain an account credit line transfer request submitted by a user for a first account and a second account through an account credit line transfer interface; the first account and the second account establish account association based on the identity information of the user;

a determining module 1004 configured to determine a transfer path for account credit transfer for the first account and the second account based on a master-slave trigger relationship of the first account and the second account in the account credit transfer interface;

a determining module 1006, configured to determine whether the credit line transfer value meets the credit line transfer condition corresponding to the transfer path according to the credit line transfer value included in the credit line transfer request;

if so, run the processing module 1008;

the processing module 1008 is configured to perform account credit line transfer processing on the first account and the second account according to the transfer path.

Optionally, the determining module 1006 includes:

a first reading submodule configured to read an available credit of the primary account;

a first judgment sub-module configured to judge whether the available quota of the primary account is greater than or equal to the quota transfer value;

and if the operation result of the first judgment sub-module is yes, operating the processing module.

Optionally, the processing module 1008 is further configured to:

Optionally, the data processing apparatus further includes:

the first generation module is configured to generate and issue an amount distribution reminder of the allocated amount of the sub-account;

the first record processing module is configured to increase a deduction record of the deducted account amount in the account amount updating list of the main account and increase an amount distribution record of the distributed amount in the account amount updating list of the sub-account;

and the first updating module is configured to update the fixed quota of the sub-account based on the quota transfer value, and display the updated fixed quota on an account quota page of the sub-account.

Optionally, the determining module 1006 includes:

the second reading submodule is configured to read the available limit of the main account;

a second judgment submodule configured to judge whether the available quota of the primary account is greater than or equal to the quota transfer value;

if the operation result of the second determination sub-module is yes, the processing module 1008 is executed.

Optionally, the processing module 1008 is further configured to:

Optionally, the data processing apparatus further includes:

the second generation module is configured to generate and issue an amount distribution reminder of the allocated amount of the sub-account;

the second record processing module is configured to add a deduction record of the subtracted account amount in the account amount updating list of the main account and add an amount distribution record of the distributed amount in the account amount updating list of the sub-account;

and the second updating module is configured to update the fixed quota of the sub-account based on the quota transfer value, and display the updated fixed quota on the account quota page of the sub-account.

Optionally, the determining module 1006 includes:

a third reading submodule configured to read a deduction amount of the primary account;

a third judgment sub-module configured to judge whether the deduction amount is greater than or equal to the amount transfer value;

if the operation result of the third judgment submodule is yes, the operation limit reading submodule is operated;

the limit reading submodule is configured to read the available limit of the sub-account;

the limit judgment sub-module is configured to judge whether the available limit of the sub-account is larger than or equal to the limit transfer value;

if the operation result of the limit judgment sub-module is yes, the processing module 1008 is executed.

Optionally, the processing module 1008 is further configured to:

Optionally, the data processing apparatus further includes:

the third generation module is configured to generate and issue an quota allocation reminder of the allocated quota of the main account;

the third record processing module is configured to add a deduction record of the subtracted account amount in the account amount updating list of the sub-account and add an amount distribution record of the allocated amount in the account amount updating list of the main account;

and the third updating module is configured to update the fixed quota of the primary account based on the quota transfer value, and display the updated fixed quota on an account quota page of the primary account.

the account quota transfer condition corresponding to the transfer path comprises the following steps: the credit line transfer value is smaller than or equal to the total credit line value of account credit line distribution of the main account to the sub-account.

Optionally, the determining module 1006 includes:

the fourth reading sub-module is configured to read a total value of account amount distribution of the main account to the sub-accounts;

a fourth judgment submodule configured to judge whether the total credit value is greater than or equal to the credit transfer value;

if the operation result of the fourth judgment sub-module is yes, the processing module 1008 is executed.

Optionally, the processing module 1008 is further configured to:

Optionally, the data processing apparatus further includes:

the fourth generation module is configured to generate and issue an quota allocation reminder of the allocated quota of the main account;

the fourth record processing module is configured to add a deduction record of the subtracted account amount in the account amount updating list of the sub-account and add an amount distribution record of the allocated amount in the account amount updating list of the main account;

and the fourth updating module is configured to update the fixed quota of the primary account based on the quota transfer value, and display the updated fixed quota on an account quota page of the primary account.

Optionally, the first account includes at least one of:

a data resource account, a virtual resource account, a computing resource account, a fund account;

the second account includes at least one of:

and the first account and the second account are accounts of the same account type;

the account credit is the resource amount in the first account or the second account.

The above is a schematic configuration of a data processing apparatus of the present embodiment. It should be noted that the technical solution of the data processing apparatus and the technical solution of the data processing method belong to the same concept, and details that are not described in detail in the technical solution of the data processing apparatus can be referred to the description of the technical solution of the data processing method.

FIG. 11 illustrates a block diagram of a computing device 1100 provided in accordance with one embodiment of the present description. The components of the computing device 1100 include, but are not limited to, memory 1110 and a processor 1120. The processor 1120 is coupled to the memory 1110 via a bus 1130 and the database 1150 is used to store data.

The computing device 1100 also includes AN access device 1140, the access device 1140 enabling the computing device 1100 to communicate via one or more networks 1160, examples of which include a Public Switched Telephone Network (PSTN), a local area network (L AN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the Internet the access device 1140 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as AN IEEE802.11 wireless local area network (W L AN) wireless interface, a Global microwave Internet Access (Wi-MAX) interface, AN Ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a Bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 1100, as well as other components not shown in FIG. 11, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 11 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 1100 can be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 1100 can also be a mobile or stationary server.

Wherein the memory 1110 is configured to store computer-executable instructions and the processor 1120 is configured to execute the following computer-executable instructions:

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the data processing method belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the data processing method.

An embodiment of the present specification also provides a computer readable storage medium storing computer instructions which, when executed by a processor, are used for implementing the steps of the data processing method.

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium belongs to the same concept as the technical solution of the data processing method, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the data processing method.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of acts, but those skilled in the art should understand that the present embodiment is not limited by the described acts, because some steps may be performed in other sequences or simultaneously according to the present embodiment. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for an embodiment of the specification.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are intended only to aid in the description of the specification. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the embodiments. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A method of data processing, comprising:

2. The data processing method of claim 1, wherein the account credit transfer request is triggered and submitted by the user based on an account credit management page;

3. The data processing method of claim 2, wherein the transferring the account amount of the first account and the second account according to the transfer path comprises:

4. The data processing method of claim 3, after the step of transferring the account amount of the first account and the second account according to the transfer path is executed, the method comprises the following steps:

5. The data processing method of claim 1, wherein the account credit transfer request is triggered and submitted by the user based on an account credit management page;

6. The data processing method of claim 5, wherein the transferring the account amount of the first account and the second account according to the transfer path comprises:

7. The data processing method of claim 6, after the step of transferring the account amount to the first account and the second account according to the transfer path is executed, the method comprises:

8. The data processing method of claim 1, wherein the account credit transfer request is triggered and submitted by the user based on an account credit management page;

9. The data processing method of claim 8, wherein the determining whether the credit line transfer value meets the account credit line transfer condition corresponding to the transfer path comprises:

reading the deduction amount of the main account;

if yes, reading the available limit of the sub-account;

10. The data processing method of claim 9, wherein the transferring the account amount of the first account and the second account according to the transfer path comprises:

11. The data processing method of claim 10, after the step of transferring the account amount to the first account and the second account according to the transfer path is executed, the method comprises:

12. The data processing method of claim 1, wherein the account credit transfer request is triggered and submitted by the user based on an account credit management page;

13. The data processing method of claim 12, wherein the determining whether the credit line transfer value satisfies the account credit line transfer condition corresponding to the transfer path comprises:

14. The data processing method of claim 13, wherein the transferring the account amount of the first account and the second account according to the transfer path comprises:

15. The data processing method of claim 14, wherein after the step of transferring the account amount to the first account and the second account according to the transfer path is executed, the method comprises:

16. The data processing method of claim 1, the first account comprising at least one of: a data resource account, a virtual resource account, a computing resource account, a fund account;

17. A data processing apparatus comprising:

if yes, operating the processing module;

18. A computing device, comprising:

a memory and a processor;

19. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the data processing method of any one of claims 1 to 16.