CN111639931A - Service processing method and device - Google Patents
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- CN111639931A CN111639931A CN202010423010.1A CN202010423010A CN111639931A CN 111639931 A CN111639931 A CN 111639931A CN 202010423010 A CN202010423010 A CN 202010423010A CN 111639931 A CN111639931 A CN 111639931A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/354—Card activation or deactivation
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Abstract
The specification discloses a method and a device for processing a service, wherein after receiving an account opening request sent by a user through a client provided by a service platform, the service platform takes a bank to which a bank account applied for opening by the user belongs as an appointed bank, and sends user information of the user to the appointed bank. And then, receiving bank account information returned by the appointed bank, wherein the bank account information is determined after the appointed bank authorized user applies for opening the bank account of the appointed bank on the service platform. And performing service binding on the bank account and a user platform account of the user, and processing the service according to the account state of the bank account when the user selects to execute the service on the service platform through the bank account. According to the method, the business platform can bind the bank account without waiting for the activation of the bank account by the user, so that the business binding efficiency of the user is improved, and the business processing efficiency of the user based on the bank account is improved.
Description
Technical Field
The present disclosure relates to the field of computers, and in particular, to a method and an apparatus for processing a service.
Background
At present, the online payment is widely applied to the life of people, and great convenience is brought to the life of people.
In practical application, a user can apply for opening a credit card to a bank through a service platform, if the application of the user passes, a bank can mail the credit card to the user so that the user can activate the credit card, service binding can be carried out on the service platform after the credit card is activated, and online payment is carried out based on the bound credit card.
Disclosure of Invention
The specification provides a method and a device for business processing, which are used for opening a bank account on a business platform.
The technical scheme adopted by the specification is as follows:
the present specification provides a method for service processing, including:
the method comprises the steps that a service platform receives an account opening request sent by a client provided by a user through the service platform, wherein the account opening request is used for the user to apply for opening a bank account on the service platform, and the account opening request is generated according to account opening operation executed on a specified page of the user applying for opening the bank account in the client;
according to the account opening request, taking a bank to which a bank account which the user applies for opening belongs as an appointed bank, and sending user information of the user carried in the account opening request to the appointed bank;
receiving bank account information returned by the appointed bank, wherein the bank account information is determined after the appointed bank authorizes the user to apply for opening a bank account of the appointed bank on the service platform, and the bank account information comprises: the user is authorized to use the corresponding authorization protocol number of the bank account opened by the appointed bank;
according to the authorization protocol number, performing service binding on a bank account corresponding to the bank account information in an inactivated state and a user platform account of the user on the service platform;
and when the user is determined to select the bank account corresponding to the bank account information to execute the service on the service platform, processing the service according to the acquired account state of the bank account corresponding to the bank account information.
Optionally, the method further comprises:
and prompting the user to activate the bank account corresponding to the bank account information in the inactivated state.
Optionally, according to the account opening request, taking a bank to which a bank account that the user applies for opening belongs as an appointed bank, and sending the user information of the user carried in the account opening request to the appointed bank, specifically including:
determining an information channel established between the designated bank and the service platform according to the account opening request;
and sending the user information of the user carried in the account opening request to the specified bank through the information channel.
Optionally, receiving bank account information corresponding to a bank account opened by the user at the specified bank, where the bank account information is returned by the specified bank, specifically includes:
and receiving bank account information which is returned by the appointed bank and corresponds to a bank account opened by the user at the appointed bank through the information channel.
Optionally, determining that the user selects to execute the service on the service platform through a bank account corresponding to the bank account information specifically includes:
receiving a service request sent by a user;
determining that the user selects a bank account corresponding to the bank account information to execute the service on the service platform according to the service request;
acquiring the account state of the bank account corresponding to the bank account information, specifically including:
and acquiring the account state of the bank account from the bank to which the bank account corresponding to the bank account information belongs.
Optionally, processing the service according to the account status of the bank account corresponding to the acquired bank account information includes:
if the account state of the bank account corresponding to the bank account information is determined to be an activated state, processing the service;
and if the account state of the bank account corresponding to the bank account information is determined to be an inactivated state, storing the service information carried in the service request, and processing the service according to the stored service information after the account state of the bank account corresponding to the bank account information is determined to be changed into an activated state.
Optionally, the method further comprises:
and if the fact that the bank account corresponding to the bank account information is bound with the user platform account in the service is determined, allocating additional service resources to the user platform account so that the user can perform service processing on the service platform through the additional service resources.
Optionally, the applying, by the user, for the opened bank account on the service platform includes: and the user applies for the opened credit card on the service platform.
The present specification provides a service processing apparatus, including:
the first receiving module is used for receiving an account opening request sent by a user through a client provided by a service platform through the service platform, wherein the account opening request is used for the user to apply for opening a bank account on the service platform, and the account opening request is generated according to an account opening operation executed on a specified page of the user for applying for opening the bank account in the client;
the sending module is used for taking a bank to which the bank account which is applied for opening by the user belongs as an appointed bank according to the account opening request and sending the user information of the user carried in the account opening request to the appointed bank;
the second receiving module is configured to receive bank account information returned by the designated bank, where the bank account information is determined after the designated bank authorizes the user to apply for opening a bank account of the designated bank on the service platform, and the bank account information includes: the user is authorized to use the corresponding authorization protocol number of the bank account opened by the appointed bank;
the binding module is used for binding the bank account corresponding to the bank account information in the inactivated state with the user platform account of the user on the service platform in a service manner according to the authorization protocol number;
and the processing module is used for processing the service according to the acquired account state of the bank account corresponding to the bank account information when the user is determined to select the bank account corresponding to the bank account information to execute the service on the service platform.
The present specification provides a computer-readable storage medium storing a computer program which, when executed by a processor, implements the above-described method of business processing.
The present specification provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method of business processing described above when executing the program.
The technical scheme adopted by the specification can achieve the following beneficial effects:
the method can be seen that after receiving an account opening request sent by a user through a client provided by a service platform, the service platform takes a bank to which a bank account applied for opening by the user belongs as an appointed bank according to the account opening request, and sends user information of the user carried in the account opening request to the appointed bank, wherein the account opening request is used for the user to apply for opening the bank account on the service platform, and the account opening request is generated according to an account opening operation executed on an appointed page of the user for applying for opening the bank account in the client. Then, receiving bank account information corresponding to a bank account returned by the designated bank, wherein the bank account information is determined after the designated bank authorized user applies for opening the bank account of the designated bank on the service platform, and the bank account information comprises: and the user appoints an authorization protocol number corresponding to a bank account opened by the bank. And then, according to the authorization protocol number, performing service binding on the bank account corresponding to the inactive bank account information and the user platform account of the user on the service platform, and when determining that the user selects to execute the service on the service platform through the bank account corresponding to the bank account information, processing the service according to the obtained account state of the bank account corresponding to the bank account information.
The method can be seen that after the user applies for opening the bank account of the specified bank on the service platform, if the specified bank establishes the bank account applied for opening by the user, the bank account and the user platform account of the user on the service platform can be directly bound for service without waiting for the user to activate the bank account and then bind for service. Therefore, compared with the prior art, the method can enable the business platform to bind the bank account after the business platform opens the bank account, thereby improving the business binding efficiency of the user and further improving the business processing efficiency of the user based on the bank account to a certain extent.
Drawings
The accompanying drawings, which are included to provide a further understanding of the specification and are incorporated in and constitute a part of this specification, illustrate embodiments of the specification and together with the description serve to explain the specification and not to limit the specification in a non-limiting sense. In the drawings:
fig. 1 is a schematic flow chart of a method for processing services in this specification;
fig. 2 is a complete flow chart of provisioning a credit card for a user and performing service binding provided in the present specification;
fig. 3 is a schematic diagram of a service processing apparatus provided in the present specification;
fig. 4 is a schematic diagram of an electronic device corresponding to fig. 1 provided in the present specification.
Detailed Description
In order to make the objects, technical solutions and advantages of the present disclosure more clear, the technical solutions of the present disclosure will be clearly and completely described below with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present disclosure, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort belong to the protection scope of the present specification.
In practical application, a user can apply for opening a credit card through a service platform, and the service platform can send a request for applying for opening the credit card to a bank to which the credit card applied for opening by the user belongs. The bank usually conducts qualification audit of opening the credit card for the user according to the credit record of the user, and if the qualification audit of the user passes, the bank can issue the credit card to the user in a mailing mode and return the credit card information of the credit card to the service platform. After receiving the credit card, the user can go to the bank to activate the credit card, after the credit card is activated, the service platform can receive an activation message sent by the bank that the credit card is activated, and after receiving the activation message, the service platform can bind the credit card into service.
It can be seen from the above process that, in the prior art, when the user successfully applies for the credit card, the service platform can only perform service binding on the credit card after the user receives the issued credit card and activates the credit card to the bank, so that the time from the time when the user applies for the credit card to the time when the credit card is bound in the service platform is too long, which affects the service binding efficiency of the user.
In order to solve the above problem, in the service processing method provided in this specification, after a user applies for opening a bank account on a service platform, if a bank to which the bank account belongs creates the bank account that the user applies for opening, the bank account and a user platform account of the user on the service platform may be service-bound without waiting for the user to activate the bank account and then service-bind, so that the service-binding efficiency of the user is effectively improved. The following describes a method of service processing in this specification in detail.
The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.
Fig. 1 is a schematic flow chart of a method for service processing in this specification, which specifically includes the following steps:
s101: the method comprises the steps that a service platform receives an account opening request sent by a client provided by a user through the service platform, the account opening request is used for the user to apply for opening a bank account on the service platform, and the account opening request is generated according to account opening operation executed on a specified page of the user applying for opening the bank account in the client.
In practical applications, a user may install a client provided by a service platform in a terminal owned by the user, and execute services provided by the service platform through the client, and when executing services such as payment and insurance, the services may be executed on the service platform by using a bank account of the user. Based on this, in this specification, a user may apply for opening a bank account in a client provided by a service platform to the user (that is, the user may execute each service in the service platform through the client), and accordingly, the client may send an opening request of applying for opening the bank account to the service platform according to an opening operation of applying for opening the bank account executed on a specified page where the user applies for opening the bank account in the client. The terminal mentioned here may refer to an electronic device such as a smart phone, a tablet computer, a desktop computer, and a notebook computer that a user holds. The account opening operation mentioned here may refer to a user filling out personal information in a client and performing an operation of determining to open a bank account.
S102: and according to the account opening request, taking the bank to which the bank account applied for opening by the user belongs as an appointed bank, and sending the user information of the user carried in the account opening request to the appointed bank.
After receiving the account opening request of the user, the service platform may use the bank to which the bank account applied for opening by the user belongs as an appointed bank, and determine that the user information of the user carried in the account opening request is sent to the appointed bank. The user information mentioned herein may refer to the real name, identification number, mobile phone number, residence address, work unit name, work unit address, etc. of the user.
After receiving the account opening request of the user, the service platform can determine an information channel established between the designated bank and the service platform, and the information channel can be used for mutual information transmission between the service platform and the designated bank. The service platform can send the user information of the user to an appointed bank through the information channel so that the appointed bank can perform qualification verification on the user, and the appointed bank can return the bank account information of the bank account to the service platform after creating the bank account required by the user.
It should be noted that, if the service platform needs to establish an information channel with the designated bank, the service platform may send a request for creating the information channel to the designated bank, and the designated bank may perform qualification audit on the service platform according to the request for creating, and if the designated bank determines that the qualification audit of the service platform passes, the service platform may create an information channel for performing information interaction with the designated bank.
S103: receiving bank account information returned by the appointed bank, wherein the bank account information is determined after the appointed bank authorizes the user to apply for opening a bank account of the appointed bank on the service platform, and the bank account information comprises: and the user is provided with an authorization protocol number corresponding to the bank account opened by the appointed bank.
The service platform sends the user information of the user to an appointed bank, namely the service platform sends a request for applying for opening a bank account of the appointed bank to the appointed bank. After receiving the user information of the user, the designated bank determines whether the user is authorized to open the bank account at the designated bank according to the user information of the user, that is, whether the user can open the bank account at the designated bank is determined by performing qualification verification on the user.
If the appointed bank authorizes the user to open the bank account of the appointed bank on the service platform, a corresponding bank account is created according to the actual requirement of the user, and the bank account information corresponding to the bank account is returned to the service platform. The service platform can receive the bank account information returned by the appointed bank through the information channel.
The bank account information corresponding to the bank account mentioned herein may include an authorization agreement number corresponding to the bank account and a bank account number corresponding to the bank account, where the authorization agreement number uniquely corresponds to the bank account. The authorization protocol number can be used for the business platform to bind the bank account with the user platform account of the user on the business platform, and if the user executes the business on the business platform through the bound bank account, the business platform can send the authorization protocol number corresponding to the bank account to the bank, and the bank can determine the bank account according to the authorization protocol number, so that the user completes the business execution based on the bank account corresponding to the authorization protocol number on the business platform.
S104: and according to the authorization protocol number, performing service binding on the bank account corresponding to the bank account information in the inactivated state and the user platform account of the user on the service platform.
After receiving the bank account information returned by the designated bank, the service platform can perform service binding on the bank account corresponding to the bank account information in the inactivated state and the user platform account of the user on the service platform, that is, perform service binding on the bank account opened by the user at the designated bank and the user platform account of the user on the service platform through the service platform.
The service platform can perform service binding on the authorization protocol number corresponding to the bank account opened by the user at the specified bank and the user platform account of the user on the service platform, so that the bank account is bound in the user platform account of the user on the service platform.
After the business binding between the bank account and the user platform account of the user is completed, the business platform may allocate additional business resources to the user, so that the user performs business processing on the business platform through the allocated additional business resources. The additional service resources mentioned herein may refer to service resources such as coupons, platform credits, and phone charges allocated to the user. The user can utilize the allocated additional service resources to conveniently process the service in the service platform.
When the service platform receives the bank account information corresponding to the bank account, the specified bank just creates the bank account which the user applies for opening, and the user has not yet reached to activate the bank account, so the service platform can prompt the user to activate the bank account in the inactivated state. The service platform may prompt the user to activate the bank account by sending a short message to the user or dialing a voice call, or push prompt information prompting activation of the bank account to a client used by the user, so that the client displays the prompt information in a pop-up window manner, thereby implementing prompt of the user to activate the bank account, and other forms are not illustrated in detail here.
In this specification, the specific time for the service platform to prompt the user to activate may be various, for example, the service platform may prompt the user to activate when the service binding is performed on the bank account, that is, after the service platform performs the service binding with the user platform account of the user through the bank account in an inactive state, the service platform may prompt the user to activate the bank account immediately. For another example, the service platform may also query the account status of the bank account from the designated bank after receiving a service request for performing service processing through the bank account from the user, and prompt the user to activate the bank account if the account status of the bank account is queried to be an inactivated status. Other occasions are not illustrated in detail herein.
S105: and when the user is determined to select the bank account corresponding to the bank account information to execute the service on the service platform, processing the service according to the acquired account state of the bank account corresponding to the bank account information.
After the business binding between the bank account and the user platform account of the user on the business platform is completed, the user can execute the business on the business platform based on the bank account. Specifically, if the user executes some services such as payment and insurance through the bank account, the bank account needs to be in an activated state, and therefore, if the user selects to execute the service on the service platform through the bank account, the service platform may acquire the account state of the bank account from the bank and process the service according to the acquired account state.
If the service platform receives the service request sent by the user, whether the user selects to execute the service on the service platform through the bank account can be determined according to the service request, and if so, the account state of the bank account can be determined for the bank to which the bank account belongs. If the account state of the bank account is determined to be an activated state, the service is processed, if the account state of the bank account is determined to be an inactivated state, the service information carried in the service request can be cached, and after the account state of the bank account is determined to be changed into the activated state, the service is processed according to the service information.
That is, after receiving a service request sent by a user, the service platform determines that the bank account is in an inactive state by designating a bank, and stores service information corresponding to the service request, and once it is subsequently determined that the account state of the bank account is changed to an active state, processes a service corresponding to the service request sent by the user previously.
For example, if a user pays a certain order through a client and selects a bank account of a designated bank opened in a service platform to pay, the service platform may determine whether the bank account is in an activated state or not from the designated bank, if the bank account is in the activated state, the user may complete payment for the order through the bank account, if the bank account is in an inactivated state, the user may not pay the order through the bank account, and if the subsequent service platform determines that the bank account is in the activated state and the order is not cancelled, the user may pay the order through the bank account.
It should be noted that, when the service platform receives the bank account information corresponding to the bank account opened by the user and returned by the designated bank, the service platform cannot determine whether the bank account is in the activated state according to the bank account information. If the user needs to execute the service on the service platform through the bank account subsequently, the service platform can determine the account state of the bank account to the bank to which the bank account belongs, so that whether the bank account is in the activated state can be determined in this way.
In this specification, the bank account that the user applies for opening may be a deposit card that the user applies for opening or a credit card that the user applies for opening, and the following takes the credit card as an example to describe a complete interaction flow among the user, the service platform, and the bank in the process that the user opens the bank account on the service platform, as shown in fig. 2.
Fig. 2 is a complete flow chart of provisioning a credit card for a user and performing service binding provided in this specification.
As can be seen from fig. 2, after the user applies for opening the credit card to the client provided by the user through the service platform, the service platform may send the user information of the user to the bank to which the credit card applied for opening by the user belongs, and the bank (i.e., the designated bank) may check the user information to determine whether the user has the qualification of opening the credit card at the bank. If the user is determined to have the qualification of opening the credit card at the bank, the user can be informed through the service platform that the designated bank will open the credit card for the user.
After the designated bank finishes making the credit card, the credit card can be mailed to the user, and the credit card information of the credit card is sent to the service platform, wherein the credit card information of the credit card comprises an authorization agreement number corresponding to the credit card. The service platform can perform service binding on the authorization agreement number corresponding to the credit card and the user platform account of the user in the service platform, so as to complete the service binding between the credit card and the user platform account. And when the user activates the credit card, the user can execute the service in the service platform through the credit card.
If the user applies to the service platform to use the credit card to execute the service through the client, the service platform can determine the user platform account of the user, and further determine the authorization protocol number corresponding to the credit card applied to be used by the user according to the user platform account. Then, the service platform can send the authorization agreement number to the bank, so that the bank can inquire out the credit card corresponding to the authorization agreement number through the authorization agreement number, and further complete the service executed by the user on the service platform.
It can be seen from the above method that, if a user applies for opening a bank account through a service platform, the service platform can directly perform service binding between the bank account and a user platform account of the user in the service platform, so that the user does not need to activate the bank account after opening the bank account, and the service platform can quickly complete service binding between the bank account and the user platform account of the user through an authorization protocol number corresponding to the bank account returned by a bank to which the bank account belongs, compared with the prior art in which service binding to the bank account can be performed after the user activates the bank account, the service binding efficiency of the user is improved, and further, the service processing efficiency of the user based on the opened bank account is improved to a certain extent.
Based on the same idea, the present specification further provides a corresponding business processing apparatus, as shown in fig. 3, for the business processing method provided in one or more embodiments of the present specification.
Fig. 3 is a schematic diagram of a service processing apparatus provided in this specification, which specifically includes:
a first receiving module 301, configured to receive, by a service platform, an account opening request sent by a user through a client provided by the service platform, where the account opening request is used for the user to apply for opening a bank account on the service platform, and the account opening request is generated according to an account opening operation executed on a specified page where the user applies for opening a bank account in the client;
a sending module 302, configured to use, according to the account opening request, a bank to which a bank account that the user applies for opening belongs as an appointed bank, and send the user information of the user, which is carried in the account opening request, to the appointed bank;
a second receiving module 303, configured to receive bank account information returned by the specified bank, where the bank account information is determined after the specified bank authorizes the user to apply for opening a bank account of the specified bank on the service platform, and the bank account information includes: the user is authorized to use the corresponding authorization protocol number of the bank account opened by the appointed bank;
a binding module 304, configured to perform service binding on a bank account corresponding to the bank account information in an inactive state and a user platform account of the user on the service platform according to the authorization protocol number, and prompt the user to activate the bank account corresponding to the bank account information;
the processing module 305 is configured to, when it is determined that the user selects to execute a service on the service platform through a bank account corresponding to the bank account information, process the service according to the acquired account status of the bank account corresponding to the bank account information.
Optionally, the apparatus further comprises:
and the prompting module 306 is configured to prompt the user to activate a bank account corresponding to the bank account information in an inactivated state.
Optionally, the sending module 302 is specifically configured to determine, according to the account opening request, an information channel established between the specified bank and the service platform; and sending the user information of the user carried in the account opening request to the specified bank through the information channel.
Optionally, the second receiving module 303 is specifically configured to receive, through the information channel, information of a bank account returned by the designated bank.
Optionally, the processing module 305 is specifically configured to receive a service request sent by a user; determining that the user selects a bank account corresponding to the bank account information to execute the service on the service platform according to the service request;
the processing module 305 is specifically configured to obtain an account status of a bank account from a bank to which the bank account corresponding to the bank account information belongs.
Optionally, the processing module 305 is specifically configured to, if it is determined that the account status of the bank account corresponding to the bank account information is an activated status, process the service;
and if the account state of the bank account corresponding to the bank account information is determined to be an inactivated state, storing the service information carried in the service request, and processing the service according to the stored service information after the account state of the bank account corresponding to the bank account information is determined to be changed into an activated state.
Optionally, the apparatus further comprises:
and the allocating module 307 is configured to allocate an additional service resource to the user platform account if it is determined that the bank account corresponding to the bank account information and the user platform account complete service binding, so that the user performs service processing on the service platform through the additional service resource.
Optionally, the applying, by the user, for the opened bank account on the service platform includes: and the user applies for the opened credit card on the service platform.
The present specification also provides a computer-readable storage medium storing a computer program, which is operable to execute the method of service processing provided in fig. 1 above.
This specification also provides a schematic block diagram of the electronic device shown in fig. 4. As shown in fig. 4, at the hardware level, the electronic device includes a processor, an internal bus, a network interface, a memory, and a non-volatile memory, and may also include hardware required for other services. The processor reads a corresponding computer program from the non-volatile memory into the memory and then runs the computer program, so as to implement the method for processing the service described in fig. 1. Of course, besides the software implementation, the present specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may be hardware or logic devices.
In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardsradware (Hardware Description Language), vhjhd (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, 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.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus 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 apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, the description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.
Claims (11)
1. A method for processing services, comprising:
the method comprises the steps that a service platform receives an account opening request sent by a client provided by a user through the service platform, wherein the account opening request is used for the user to apply for opening a bank account on the service platform, and the account opening request is generated according to account opening operation executed on a specified page of the user applying for opening the bank account in the client;
according to the account opening request, taking a bank to which a bank account which the user applies for opening belongs as an appointed bank, and sending user information of the user carried in the account opening request to the appointed bank;
receiving bank account information returned by the appointed bank, wherein the bank account information is determined after the appointed bank authorizes the user to apply for opening a bank account of the appointed bank on the service platform, and the bank account information comprises: the user is authorized to use the corresponding authorization protocol number of the bank account opened by the appointed bank;
according to the authorization protocol number, performing service binding on a bank account corresponding to the bank account information in an inactivated state and a user platform account of the user on the service platform;
and when the user is determined to select the bank account corresponding to the bank account information to execute the service on the service platform, processing the service according to the acquired account state of the bank account corresponding to the bank account information.
2. The method of claim 1, wherein the method further comprises:
and prompting the user to activate the bank account corresponding to the bank account information in the inactivated state.
3. The method according to claim 1, wherein, according to the account opening request, a bank to which a bank account that the user applies for opening belongs is taken as an appointed bank, and the user information of the user carried in the account opening request is sent to the appointed bank, specifically comprising:
determining an information channel established between the designated bank and the service platform according to the account opening request;
and sending the user information of the user carried in the account opening request to the specified bank through the information channel.
4. The method as claimed in claim 3, wherein receiving the information of the bank account returned by the designated bank specifically comprises:
and receiving the bank account information returned by the appointed bank through the information channel.
5. The method according to claim 1, wherein determining that the user selects to execute the service on the service platform through the bank account corresponding to the bank account information specifically comprises:
receiving a service request sent by a user;
determining that the user selects a bank account corresponding to the bank account information to execute the service on the service platform according to the service request;
acquiring the account state of the bank account corresponding to the bank account information, specifically including:
and acquiring the account state of the bank account from the bank to which the bank account corresponding to the bank account information belongs.
6. The method according to claim 5, wherein the processing the service according to the account status of the bank account corresponding to the acquired bank account information specifically includes:
if the account state of the bank account corresponding to the bank account information is determined to be an activated state, processing the service;
and if the account state of the bank account corresponding to the bank account information is determined to be an inactivated state, storing the service information carried in the service request, and processing the service according to the stored service information after the account state of the bank account corresponding to the bank account information is determined to be changed into an activated state.
7. The method of claim 1, wherein the method further comprises:
and if the fact that the bank account corresponding to the bank account information is bound with the user platform account in the service is determined, allocating additional service resources to the user platform account so that the user can perform service processing on the service platform through the additional service resources.
8. The method of claims 1-7, wherein the user applying for the opened bank account on the service platform comprises: and the user applies for the opened credit card on the service platform.
9. An apparatus for traffic processing, comprising:
the first receiving module is used for receiving an account opening request sent by a user through a client provided by a service platform through the service platform, wherein the account opening request is used for the user to apply for opening a bank account on the service platform, and the account opening request is generated according to an account opening operation executed on a specified page of the user for applying for opening the bank account in the client;
the sending module is used for taking a bank to which the bank account which is applied for opening by the user belongs as an appointed bank according to the account opening request and sending the user information of the user carried in the account opening request to the appointed bank;
the second receiving module is configured to receive bank account information returned by the designated bank, where the bank account information is determined after the designated bank authorizes the user to apply for opening a bank account of the designated bank on the service platform, and the bank account information includes: the user is authorized to use the corresponding authorization protocol number of the bank account opened by the appointed bank;
the binding module is used for binding the bank account corresponding to the bank account information in the inactivated state with the user platform account of the user on the service platform in a service manner according to the authorization protocol number;
and the processing module is used for processing the service according to the acquired account state of the bank account corresponding to the bank account information when the user is determined to select the bank account corresponding to the bank account information to execute the service on the service platform.
10. A computer-readable storage medium, characterized in that the storage medium stores a computer program which, when executed by a processor, implements the method of any of the preceding claims 1 to 8.
11. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 8 when executing the program.
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| CN112764676A (en) * | 2020-12-31 | 2021-05-07 | 北京三快在线科技有限公司 | Resource allocation system and method |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112764676A (en) * | 2020-12-31 | 2021-05-07 | 北京三快在线科技有限公司 | Resource allocation system and method |
| CN112764676B (en) * | 2020-12-31 | 2022-11-04 | 北京三快在线科技有限公司 | Resource allocation system and method |
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