CN111738708B - Data processing method, device, server and storage medium - Google Patents
Data processing method, device, server and storage medium Download PDFInfo
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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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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Abstract
The embodiment of the invention discloses a data processing method, a data processing device, a server and a storage medium. The method comprises the following steps: obtaining deposit bill data; determining an online payment account according to the user identification information in the deposit bill data, wherein the online payment account is not bound with any bank card; and adjusting the account amount of the online payment account according to the deposit amount in the deposit bill data. The embodiment of the invention provides a safe recharging mode aiming at the online payment account by determining the online payment account associated with the user identification information and recharging the online payment account in a direct deposit mode, thereby avoiding the problem of bank card account information safety possibly caused by binding the online payment account with a bank card.
Description
Technical Field
Embodiments of the present invention relate to computer technologies, and in particular, to a data processing method, apparatus, server, and storage medium.
Background
With the digital transformation of commercial bank information system construction in recent years, the online and offline network trade of users in banks is gradually reduced, and most of banking users can successfully complete the transformation from online to offline thanks to the development of mobile phone banks and online banks in various channels and the convenience brought by online payment.
However, a small percentage of users are not used to online payments because online payments are considered to require account recharging via a bank card, while binding a bank card, by entering a password, immediately diverting money out is not secure. Because this concern results in the inability of this portion of the users to enjoy the convenience of online payments. How to realize online account recharging without binding a bank card, and further complete online payment becomes a problem to be solved urgently.
Disclosure of Invention
The embodiment of the invention provides a data processing method, a data processing device, a server and a storage medium, which can realize recharging of an online payment account without binding a bank card.
In a first aspect, an embodiment of the present invention provides a data processing method, including:
Obtaining deposit bill data;
determining an online payment account according to the user identification information in the deposit bill data, wherein the online payment account is not bound with any bank card;
and adjusting the account amount of the online payment account according to the deposit amount in the deposit bill data.
In a second aspect, an embodiment of the present invention further provides a data processing apparatus, including:
the data acquisition module is used for acquiring deposit bill data;
the account determining module is used for determining an online payment account according to the user identification information in the deposit bill data, wherein the online payment account is not bound with any bank card;
And the amount adjustment module is used for adjusting the account amount of the online payment account according to the deposit amount in the deposit bill data.
In a third aspect, an embodiment of the present invention further provides a server, where the server includes:
One or more processors;
Storage means for storing one or more programs,
The one or more programs, when executed by the one or more processors, cause the one or more processors to implement a data processing method as provided by any embodiment of the present invention.
In a fourth aspect, embodiments of the present invention also provide a storage medium containing computer executable instructions which, when executed by a computer processor, are used to perform a data processing method as provided by any of the embodiments of the present invention.
According to the data processing method provided by the embodiment of the invention, the online payment account associated with the online payment account is determined according to the user identification information in the deposit bill data, the online payment account is not bound with any bank card, and the account amount of the online payment account is adjusted according to the deposit amount in the deposit bill data, so that the online payment account can be recharged without binding the bank card, the problem of bank card account information security possibly caused by binding the bank card by the online payment account is avoided, and further, the convenient online payment is realized.
Drawings
FIG. 1 is a flow chart of a data processing method in accordance with a first embodiment of the present invention;
FIG. 2 is a flow chart of another data processing method in a second embodiment of the present invention;
FIG. 3 is a flow chart of yet another data processing method in a third embodiment of the present invention;
FIG. 4 is a flow chart of yet another data processing method in accordance with a third embodiment of the present invention;
FIG. 5 is a flow chart of yet another data processing method in a fourth embodiment of the present invention;
FIG. 6 is a schematic diagram of a data processing apparatus according to a fifth embodiment of the present invention;
fig. 7 is a schematic structural diagram of a server in a sixth embodiment of the present invention.
Detailed Description
The invention is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting thereof. It should be further noted that, for convenience of description, only some, but not all of the structures related to the present invention are shown in the drawings.
Example 1
Fig. 1 is a flowchart of a data processing method according to a first embodiment of the present invention, where the method may be performed by a data processing device, and the device may be implemented in software/hardware. The apparatus may be configured in a server that performs data processing. As shown in fig. 1, the method specifically includes:
Step S110, deposit bill data is acquired.
Illustratively, in a banking system, a user can deposit cash into a storage account of a person or another person of a bank by filling in various kinds of information on the deposit slip. The deposit receipt data is data described in the deposit receipt. For example, account numbers, user names, certificate types, certificate numbers, user identification information, currencies, deposit types, deposit amounts, deposit times, withdrawal times (withdrawal times are times taken by online payment accounts if the balance of the online payment account is not zero), and other information, etc., are included, personal information and deposit information of the user are provided.
It should be noted that, if the balance of the online payment account is not zero, the cash-out operation may be performed on the online payment account based on the document filled by the user.
Illustratively, a teller terminal in a bank is installed with a client that maintains a long connection with a server through a set communication protocol. The user holds cash to fill in deposit slips at the bank counter, the bank teller inputs the deposit slips into the client, and the deposit slips are sent to the server through the client. For example, the counter operator obtains deposit bill data filled by the deposit user, and enters the deposit bill data into the client. Or the hall operator instructs the deposit user to enter the deposit data into the client through the self-service device. The server acquires deposit bill data sent by the client.
Step S120, determining an online payment account according to the user identification information in the deposit bill data, wherein the online payment account is not bound with any bank card.
In the embodiment of the invention, the user identification information in the deposit bill data refers to information capable of contacting a user and/or identifying the identity of the user, and for example, the user identification information can comprise a mobile phone number, a micro signal, a user name, a certificate number and the like.
An online payment account is an electronic account that may be used for online payment when consumed by a user. In the embodiment of the invention, the online payment account can be an electronic account registered on a banking platform or an electronic account registered on a third party payment platform. For example, the online payment account may be an account that is online for a good business, dragon payment, a payment treasury, a WeChat or shared bicycle account, or the like. Wherein, the good-melting business is an electronic business financial service platform which is introduced by China construction banks and depends on specialized financial service, integrates fund flow, information flow and logistics, the system provides comprehensive professional services such as information release, online transaction, payment settlement, installment payment, financing loan, fund escrow, real estate transaction and the like for users. The dragon payment is a unified payment brand which is developed by China construction banks through Internet thinking and around customer experience, integrates the existing full-series products such as network payment, mobile payment and the like, and has eight functions such as construction wallet, construction two-dimension code, full-card payment, dragon card cloud payment, random access, friend payment, AA collection, dragon merchant and the like.
Illustratively, the corresponding online payment account is determined according to the association relationship between the user identification information in the deposit bill data and the online payment account. For example, the server matches the corresponding dragon payment according to the mobile phone number in the deposit bill data.
Or the server accesses the third party payment platform through an interface provided by the third party payment platform so as to inquire a card package of the WeChat or an account of the payment treasury and the like bound with the mobile phone number according to the mobile phone number in the deposit bill data.
It should be noted that, in the embodiment of the present invention, the online payment account is an electronic account that is not bound to any bank card. Because some users consider that online payment is made by binding a bank card and entering a password, the manner in which such users make online payments is not secure, and thus such users register an online payment account, but do not bind any bank card. Still other users have unregistered online payment accounts for the reasons described above.
It should be noted that the embodiment of the present invention is also applicable to online payment accounts to which a bank card has been previously bound. For example, if the balance in the bound bank card is insufficient, cash can be directly stored into the account of the bound bank card by the mode of the embodiment of the invention, and then the online payment account is recharged by the bank card.
Step S130, the account amount of the online payment account is adjusted according to the deposit amount in the deposit bill data.
The deposit amount refers to the amount of deposit that the user fills in the deposit slip data. The filling content of the deposit amount can be a Chinese upper-case amount number and a Chinese lower-case amount number, wherein the Chinese upper-case amount number is a Chinese character which replaces the number by homonym of the number, the Chinese lower-case amount number is an Arabic number, the Chinese upper-case amount number corresponds to the Chinese lower-case amount number, and the amount is noted again by the Chinese character which is harmonic to the number so as to prevent the amount from being tampered.
The account amount refers to the amount of unused money existing in the online payment account, such as the balance of a WeChat wallet or the balance of a payment instrument. The account amount may be used for online payments, transfers, payouts, financing or purchasing funds, etc.
Illustratively, the deposit amount and the mobile phone number in the deposit bill data are acquired, an online payment account in a banking platform corresponding to the mobile phone number is determined, and the account amount of the online payment account is adjusted according to the deposit amount.
Or obtaining deposit amount and mobile phone number in the deposit bill data, inquiring account registration information in the third party payment platform through an interface provided by the third party payment platform, determining an online payment account in the third party payment platform corresponding to the mobile phone number, and sending the deposit amount to the corresponding third party payment platform so as to instruct the third party payment platform to adjust account amount of the online payment account according to the deposit amount.
By way of example, special groups such as farmers, urban low-income groups, poor people, disabled people, old people and the like are current general financial key service objects in China, and the users still cannot use online payment due to the fact that the users cannot keep pace of digital transformation.
According to the data processing method provided by the embodiment of the invention, the online payment account related to the online payment account is determined according to the user identification information in the deposit bill data, the online payment account is not bound with any bank card, and the account amount of the online payment account is adjusted according to the deposit amount in the deposit bill data, so that the online payment account can be recharged without binding the bank card, the problem of bank card account information safety possibly caused by binding the bank card by the online payment account is avoided, and further, the convenient online payment on the network is realized.
Example two
Fig. 2 is a flowchart of a data processing method according to a second embodiment of the present invention, where the method is optimized based on the foregoing embodiment, and as shown in fig. 2, the method includes:
Step S210, when a deposit event is detected, an operator identifier is acquired, and authority verification is performed according to the operator identifier.
The deposit event is an event of operator authority verification triggered by a deposit operation entered at the client by a bank teller. In the embodiment of the invention, the deposit event can be an event triggering the verification of the operator permission in the process of depositing on the online payment account. For example, the server detects a deposit request sent by the client, acquires type identification information in the deposit request, judges whether the current deposit request is a deposit request for an online payment account according to the type identification information, and if yes, triggers a deposit event. Or the server detects the deposit request sent by the client and judges whether the deposit request contains a deposit account, if not, a deposit event is triggered. It should be noted that the manner of triggering the deposit event may be varied, and embodiments of the present invention are not limited in particular.
Operator identification refers to identity authentication of an operator, such as: in a banking system, the combination of a teller number and a password, the combination of a teller authority magnetic card and a password, and the fingerprint or face recognition mode of a teller are used as identity authentication.
Rights verification refers to verifying the extent and extent to which an operator can perform an operation in order to ensure efficient performance of responsibilities. The permission verification is identity authentication according to the operator identification after the deposit event is detected. If the operator's permission verification is authenticated, the operator may access and/or perform operations within the permission range, and if the operator's permission verification is not authenticated, the operator may not access and perform operations within the permission range. Illustratively, in a banking system, if a teller passes the deposit authorization check, the teller may perform a deposit operation in the banking system, and if the teller does not pass the deposit authorization check, the teller may not perform a deposit operation in the banking system.
Optionally, at least two operator identifications are obtained, and one of the two operator identifications matches an identification stored in the server, then the authentication is considered to pass. If both operator identities do not match the identity stored in the server, authentication is considered to have failed.
Optionally, in the process that the bank teller logs in the client to perform deposit operation to the online payment account, the server sends verification information to the client so as to display a verification dialog box in the client, and prompts in the verification dialog box: please input an administrator identification. The client acquires the administrator identifier and sends the administrator identifier to the server. The server acquires the administrator identifier and performs authority verification.
Illustratively, the administrator identity is pre-stored in the server, and upon detection of the deposit event, authentication is passed if both the operator identity of the operator and the administrator identity of the administrator are acquired. If all the obtained operator identifications are not pre-stored in the server, authentication fails.
By adding the authority verification flow of the operator, the situation that the bank internal personnel falsify cash deposit behaviors to recharge the self online payment account is avoided.
And step S220, if the authority verification passes, acquiring deposit bill data by the client, establishing an intermediate account according to the deposit bill data, and storing deposit amount in the deposit bill data through the intermediate account.
It should be noted that the client is an application program configured in a computer of a banking website.
If the right check passes, the server acquires deposit bill data from the client.
The intermediate account is an account in which data is temporarily stored, and the server establishes the intermediate account based on the deposit data after acquiring the deposit data to temporarily store the deposit data, or may delete the intermediate account after the deposit is completed.
The deposit amount in the deposit bill data is stored through the intermediate account, the deposit amount in the deposit bill data is temporarily stored into the intermediate account, and when the deposit amount in the deposit bill data needs to be changed or returned, the intermediate account can be used as an intermediate medium to adapt to the change condition in actual operation.
Step S230, an online payment account is determined according to the user identification information in the deposit bill data, wherein the online payment account is not bound with any bank card.
And step S240, adjusting the account amount of the online payment account according to the deposit amount in the deposit bill data.
Step S250, generating a deposit record, posting a ledger and deleting the intermediate account, wherein the deposit record is used for recording the full flow information of deposit.
The deposit record refers to all information records from the beginning to the end in the process of online payment account deposit, and is used for recording the whole flow information of the deposit, wherein the whole flow information is used for recording all important information in the process of deposit and the deposit flow information, and can comprise fund sources, fund flow directions, money amounts, sponsors and the like, so that the later inquiry is facilitated.
Ledgers refer to information sources of information, operation flows, and the like of banking management businesses, and have various types, such as: cash flow ledgers, account management ledgers, bank deposit ledgers or work ledgers, etc.
The generated deposit records are recorded into the account, so that the bank can count and store deposit information conveniently, and a reference basis can be provided for each service in the later period. After the account amount of the online payment account is adjusted according to the deposit amount in the deposit bill data and the deposit record is posted to the account, the intermediate account is deleted, so that the storage space of the server can be saved.
According to the data processing method provided by the embodiment of the invention, before the online payment account is determined, the authority verification is required according to the operator identification, so that the situation that the bank internal personnel falsify cash deposit behaviors to recharge the online payment account is avoided, and the safety of the online payment account is enhanced. According to the deposit bill data, an intermediate account for storing the deposit amount in the deposit bill data is established, the problem that the deposit amount may need to be changed or returned in actual operation is solved, the method can adapt to the change condition in actual operation, and after the deposit is completed, the intermediate account is deleted, so that the storage space can be released.
Example III
FIG. 3 is a flowchart of a data processing method according to a third embodiment of the present invention, where the method is optimized based on the foregoing embodiment, as shown in FIG. 3, and includes:
Step S310, deposit bill data is acquired.
Step S320, user identification information in the deposit slip data is acquired.
Step S330, inquiring the online payment account registration information according to the user identification information, and determining the online payment account corresponding to the user identification information according to the inquiry result.
The online-payment-account registration information refers to information of an online payment account that the user has registered. In the embodiment of the invention, the online payment account registration information is used for determining whether the user already has an online payment account. For example, the online payment account registration information may include online payment account platform, account name, contact details, identity authentication, and the like.
The method for inquiring the online payment account registration information according to the user identification information can include inquiring whether an online payment account such as a good-melting business, a dragon payment, a payment bank, a WeChat or a sharing bicycle wallet is registered according to the mobile phone number in the deposit bill data, and determining the online payment account corresponding to the mobile phone number according to the inquiring result.
Step S340, the account amount of the online payment account is adjusted according to the deposit amount in the deposit bill data.
Fig. 4 is a flowchart of another data processing method in the third embodiment of the present invention, optionally, querying on-line payment account registration information according to user identification information, and determining an on-line payment account corresponding to the user identification information according to the query result, including:
Step S331, inquiring online payment account registration information according to the user identification information, wherein the online payment account registration information comprises online payment account registration information in a banking system and online payment account registration information of a third party payment platform, and executing step S332 and step S334 respectively.
In the embodiment of the invention, the banking system refers to a system for processing financial business in a bank. The financial business comprises account opening, deposit, withdrawal, remittance, transfer of money between banks or financial transaction. The online payment account registration information in the banking system refers to registration information of online payment accounts that have been registered in the banking system, such as a fuse business, a dragon payment, an online banking, an electronic credit card, or the like.
The third party payment platform is an independent mechanism with a certain strength and credit guarantee, and is a network payment platform which facilitates the transaction of both parties through the butt joint with the UnionPay or the Internet. The third party payment platform is a service intermediary mechanism belonging to a third party, and is used for completing the function of third party guarantee payment, for example: payment treasures, weChat payment, financial payment, national payment treasures, yibao payment, fast money, baizhibao, net Yibao payment, ring Xuesun payment, remittance under the world or good payment navigation network, etc. The online payment account registration information of the third party payment platform refers to registration information of an online payment account that has been registered at the third party payment platform.
Step S332, determining whether the user corresponding to the user identification information registers an online payment account in the banking system, if yes, executing step S333, otherwise executing step S338.
Step S333, determining that the online payment account registered in the banking system is the first alternative account, and executing step S336.
And determining whether the user corresponding to the user identification information registers the online payment account in the banking system according to the query result of the online payment account registration information. If an online payment account is registered in the banking system, the online payment account registered at the bank is marked as a first alternative account.
Step S334, determining whether the user corresponding to the user identification information registers an online payment account on the third party payment platform, if yes, executing step S335, otherwise executing step S338.
Step S335, determining that the online payment account registered in the third party payment platform is the second alternative account, and executing step S336.
And determining whether the user corresponding to the user identification information registers the online payment account on the third-party payment platform according to the query result of the online payment account registration information. If an online payment account is registered in the banking system, the online payment account registered at the bank is marked as a first alternative account.
If it is determined that an online payment account is registered in one of the banking system and the third party payment platform, the online payment account is determined to be an online payment account corresponding to the user identification information.
Optionally, the registration information of the online payment account provided by the deposit user is acquired so as to know which bank is registered with the online payment account or which third party payment platform is registered with the online payment account for recharging, and then the corresponding interface is called to acquire the registration information of the online payment account from the bank system or the third party payment platform.
Step S336, feedback information is generated according to the first alternative account and the second alternative account, and the feedback information is sent to the client side so as to instruct the client side to prompt the user to select the online payment account to be started.
The feedback information comprises online payment account information registered in the banking system, online payment account information registered in the third party payment platform and account selection prompt information. In the embodiment of the invention, the feedback information is sent to the client by the server and is used for indicating the client to display the online payment account information and the account selection prompt information so as to prompt the user to select the online payment account to be started.
The server marks the online banking account as a first alternative account, marks the payment treasured account as a second alternative account, and sends the online banking account and the payment treasured account to the client side at the same time to indicate the client side to prompt the user to select whether to enable the online banking account or the payment treasured account as an online payment account as an alternative.
Step S337, obtaining user selection information sent by the client, and determining the first alternative account or the second alternative account as an online payment account corresponding to the user identification information according to the user selection information.
Illustratively, after the user selects the online banking account or the payment instrument account as the online payment account, the client transmits the user selection result to the server. The server determines the alternative account selected by the user as an online payment account corresponding to the mobile phone number.
Step S338, register an online payment account for the user in the banking system according to the deposit bill data, and send account information of the newly registered online payment account to the client.
If the user corresponding to the user identification information is not registered in the bank system for an online payment account or is not registered in the third party payment platform for an online payment account, the online payment account is registered in the bank system for the user according to the deposit bill data, and account information of the newly registered online payment account is sent to the client side so as to prompt the user to set related passwords for the newly registered online payment account. The embodiment of the invention registers an online payment account for a user which is not registered with the online payment account so as to enable the user to conduct online transactions.
According to the data processing method provided by the embodiment of the invention, the online payment account registration information is inquired according to the user identification information in the deposit bill data, and the online payment account corresponding to the user identification information is determined according to the inquiry result, so that a user can conveniently select the existing online payment account without re-registering, and the deposit speed can be increased. The online payment account registered in the bank system is used as a first alternative account, the online payment account registered in the third party payment platform is used as a second alternative account, and feedback information generated by the first alternative account and the second alternative account is sent to the client side so that a user can select the online payment account, and the user can conveniently select a familiar account as the online payment account, so that the online payment account is more convenient, quick and efficient.
Example IV
Fig. 5 is a flowchart of a data processing method in a fourth embodiment of the present invention, which optimizes the data processing method based on the above embodiment, and as shown in fig. 5, the method includes:
Step S410, deposit bill data is acquired.
Step S420, determining an online payment account according to the user identification information in the deposit bill data, wherein the online payment account is not bound with any bank card.
Step S430, obtaining deposit amount, calculating addition result of deposit amount and account balance of the online payment account, and determining the addition result as adjusted account amount of the online payment account.
In other words, the deposit amount is added to the account balance of the existing online payment account, and is equal to the adjusted account amount of the online payment account, i.e., the new account balance.
Illustratively, the deposit amount in the deposit bill data is acquired, and if the online payment account is an account registered in the banking system, the account balance of the online payment account is acquired, and the account balance of the online payment account is modified according to the addition result of the deposit amount and the account balance.
Or obtaining deposit amount in deposit bill data, if the online payment account is an account registered in the third party payment platform, inquiring account balance of the online payment account through an interface provided by the third party payment platform, calculating an addition result of the deposit amount and the account balance, and sending the addition result to a corresponding third party payment platform so as to instruct the third party payment platform to modify the account balance of the online payment account according to the addition result.
Step S440, obtaining the mailing information in the deposit bill data, associating the mailing information with the user identification information, and sending the associated mailing information and user identification information to an online shopping platform.
Illustratively, the mailing information may include recipient name, recipient contact, recipient address, recipient postal code, and the like.
The online shopping platform may include an online mall of a bank, and may also include a third party shopping platform such as a panda or a jindong platform.
It should be noted that, for a new user in the online shopping platform, the mailing information and the user identification information are associated and then sent to the online shopping platform, so that when the online shopping platform detects that the user logs in and shops with the user identification information, the mailing information associated with the user identification information is directly obtained, and the mailing address is rapidly determined. For the old users in the online shopping platform, the mailing information is not required to be sent, and the mailing information which is used in the online shopping platform is directly adopted.
Illustratively, for a new user who is on a thawing business, the user fills in mailing information when filling in the deposit slip for the first time. The server acquires the mailing information in the deposit bill data, binds the mailing information with the mobile phone number, and is convenient for logging in the good business shopping through the mobile phone number, and the mailing information can be mailed to the home directly without filling in a mailing address.
Illustratively, the user fills in the mailing information when filling in the deposit slip for the first time. The server acquires mailing information in the deposit bill data, binds the mailing information with the mobile phone number, and sends a mailing address to the third-party shopping platform through an interface provided by the third-party shopping platform so as to realize the association of the mobile phone number and the mailing address when a new user registers. In the code scanning payment scene, the payment is directly deducted from an online account.
Illustratively, the user can make a purchase by ordering on an online platform such as a good-melting business or a treasuring, can brush a shared bicycle or scan a two-dimensional code for payment, and can finish online payment by using a card balance of a dragon payment, a WeChat or a treasuring.
According to the data processing method provided by the embodiment of the invention, the mailing information in the deposit bill data is associated with the user identification information, and the associated mailing information and the user identification information are sent to the online shopping platform, so that a user can conveniently make a bill shopping on the online shopping platform, and further, convenient online payment is realized.
Example five
Fig. 6 is a schematic structural diagram of a data processing apparatus according to a fifth embodiment of the present invention. The device may be implemented in software and/or hardware, may be integrated in a server in general, and may be used to recharge an online payment account by performing a data processing method. As shown in fig. 6, the apparatus includes:
A data acquisition module 510 for acquiring deposit bill data;
An account determining module 520, configured to determine an online payment account according to the user identification information in the deposit bill data, where the online payment account is not bound to any bank card;
And an amount adjustment module 530, configured to adjust an account amount of the online payment account according to the deposit amount in the deposit bill data.
Optionally, the data acquisition module 510 is specifically configured to:
When a deposit event is detected, an operator identifier is acquired, and authority verification is performed according to the operator identifier;
if the authority verification is passed, acquiring deposit bill data by a client, establishing an intermediate account according to the deposit bill data, and storing deposit amount in the deposit bill data through the intermediate account;
and, the data processing apparatus further comprises a record generation module for:
and after the account amount of the online payment account is adjusted according to the deposit amount in the deposit bill data, generating a deposit record, posting a ledger, and deleting the intermediate account, wherein the deposit record is used for recording the full flow information of deposit.
Optionally, the account determination module 520 includes:
a user identification information acquisition unit for acquiring user identification information in the deposit bill data;
And the registration information inquiry unit is used for inquiring the online payment account registration information according to the user identification information and determining an online payment account corresponding to the user identification information according to an inquiry result.
Optionally, the registration information query unit is specifically configured to:
Inquiring online payment account registration information according to the user identification information, wherein the online payment account registration information comprises online payment account registration information in a banking system and online payment account registration information of a third party payment platform;
If the user corresponding to the user identification information registers an online payment account in a banking system, determining that the online payment account registered in the banking system is a first alternative account;
if the user corresponding to the user identification information registers an online payment account on a third party payment platform, determining that the online payment account registered in the third party payment platform is a second alternative account;
generating feedback information according to the first alternative account and the second alternative account, and sending the feedback information to a client to instruct the client to prompt a user to select an online payment account to be started;
And acquiring user selection information sent by a client, and determining the first alternative account or the second alternative account as an online payment account corresponding to the user identification information according to the user selection information.
Optionally, the registration information query unit is further specifically configured to:
after inquiring online payment account registration information according to the user identification information, if the user corresponding to the user identification information does not register an online payment account in the banking system or register an online payment account in the third party payment platform, registering an online payment account for the user in the banking system according to the deposit bill data, and sending account information of the newly registered online payment account to a client.
Optionally, the amount adjustment module 530 is specifically configured to:
And obtaining the deposit amount, calculating an addition result of the deposit amount and the account balance of the online payment account, and determining the addition result as the adjusted account amount of the online payment account.
Optionally, the data processing device further includes a mailing information acquisition module, configured to:
After the account amount of the online payment account is adjusted according to the deposit amount in the deposit bill data, mailing information in the deposit bill data is acquired, the mailing information is associated with the user identification information, and the mailing information and the user identification information after association are sent to an online shopping platform.
The data processing device provided by the embodiment of the invention can execute the data processing method provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Example six
Fig. 7 is a schematic structural diagram of a server according to a sixth embodiment of the present invention, as shown in fig. 7, the server includes a processor 610, a memory 620, an input device 630 and an output device 640; the number of processors 610 in the server may be one or more, one processor 610 being taken as an example in fig. 7; the processor 610, memory 620, input device 630, and output device 640 in the server may be connected by a bus or other means, for example in fig. 7.
The memory 620 is used as a computer readable storage medium for storing a software program, a computer executable program, and modules, such as program instructions/modules corresponding to the data processing method in the embodiment of the present invention (for example, the deposit data obtaining module 510, the online payment account determining module 520, and the account amount adjusting module 530 in the data processing apparatus). The processor 610 executes various functional applications of the server and data processing, i.e., implements the data processing method described above, by running software programs, instructions, and modules stored in the memory 620.
Memory 620 may include primarily a program storage area and a data storage area, wherein the program storage area may store an operating system, at least one application program required for functionality; the storage data area may store data created according to the use of the terminal, etc. In addition, memory 620 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid-state storage device. In some examples, the memory 620 may further include memory remotely located with respect to the processor 610, which may be connected to the device/terminal/server via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 630 may be used to receive input numeric or character information and to generate key signal inputs related to user settings and function control of the server. The output device 640 may include a display device such as a display screen.
Example seven
A seventh embodiment of the present invention also provides a storage medium containing computer-executable instructions, which when executed by a computer processor, are for performing a data processing method comprising:
Obtaining deposit bill data;
determining an online payment account according to the user identification information in the deposit bill data, wherein the online payment account is not bound with any bank card;
and adjusting the account amount of the online payment account according to the deposit amount in the deposit bill data.
Of course, the storage medium containing computer executable instructions provided in the embodiments of the present invention is not limited to the method operations described above, and may also perform related operations in the data processing method provided in any embodiment of the present invention.
From the above description of embodiments, it will be clear to a person skilled in the art that the present invention may be implemented by means of software and necessary general purpose hardware, but of course also by means of hardware, although in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a computer readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a FLASH Memory (FLASH), a hard disk, or an optical disk of a computer, etc., and include several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments of the present invention.
It should be noted that, in the above embodiment of the data processing apparatus, each unit and module included are only divided according to the functional logic, but not limited to the above division, so long as the corresponding functions can be implemented; in addition, the specific names of the functional units are also only for distinguishing from each other, and are not used to limit the protection scope of the present invention. Note that the above is only a preferred embodiment of the present invention and the technical principle applied. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, while the invention has been described in connection with the above embodiments, the invention is not limited to the embodiments, but may be embodied in many other equivalent forms without departing from the spirit or scope of the invention, which is set forth in the following claims.
Claims (8)
1. A method of data processing, comprising:
Obtaining deposit bill data;
determining an online payment account according to the user identification information in the deposit bill data, wherein the online payment account is not bound with any bank card;
Adjusting the account amount of the online payment account according to the deposit amount in the deposit bill data;
Wherein, the obtaining deposit bill data includes:
When a deposit event is detected, an operator identifier is acquired, and authority verification is performed according to the operator identifier; wherein, the deposit event is an event of checking the operator authority triggered by deposit operation input by a bank teller at a client;
if the authority verification is passed, acquiring deposit bill data by a client, establishing an intermediate account according to the deposit bill data, and storing deposit amount in the deposit bill data through the intermediate account;
and after adjusting the account amount of the online payment account according to the deposit amount in the deposit bill data, further comprising:
Generating a deposit record, posting a ledger, deleting the intermediate account, wherein the deposit record refers to all information records from the beginning to the end in the process of depositing the online payment account, and is used for recording the full flow information of deposit; the whole flow information is used for recording various important information in the deposit process and deposit flow information, including fund sources, fund flow directions, money amounts and sponsors;
Wherein the adjusting the account amount of the online payment account according to the deposit amount in the deposit bill data comprises:
And obtaining the deposit amount, calculating an addition result of the deposit amount and the account balance of the online payment account, and determining the addition result as the adjusted account amount of the online payment account.
2. The method of claim 1, wherein the determining an online payment account from the user identification information in the deposit slip data comprises:
acquiring user identification information in the deposit bill data;
Inquiring online payment account registration information according to the user identification information, and determining an online payment account corresponding to the user identification information according to an inquiry result.
3. The method according to claim 1, wherein the querying the online payment account registration information according to the user identification information, and determining the online payment account corresponding to the user identification information according to the query result, comprises:
Inquiring online payment account registration information according to the user identification information, wherein the online payment account registration information comprises online payment account registration information in a banking system and online payment account registration information of a third party payment platform;
If the user corresponding to the user identification information registers an online payment account in a banking system, determining that the online payment account registered in the banking system is a first alternative account;
if the user corresponding to the user identification information registers an online payment account on a third party payment platform, determining that the online payment account registered in the third party payment platform is a second alternative account;
generating feedback information according to the first alternative account and the second alternative account, and sending the feedback information to a client to instruct the client to prompt a user to select an online payment account to be started;
And acquiring user selection information sent by a client, and determining the first alternative account or the second alternative account as an online payment account corresponding to the user identification information according to the user selection information.
4. The method of claim 3, further comprising, after querying on-line payment account registration information based on the user identification information:
And if the user corresponding to the user identification information does not register an online payment account in the banking system or register the online payment account in the third party payment platform, registering an online payment account for the user in the banking system according to the deposit bill data, and sending account information of the newly registered online payment account to the client.
5. The method of claim 1, further comprising, after adjusting the account amount of the online payment account according to the deposit amount in the deposit slip data:
And acquiring mailing information in the deposit bill data, correlating the mailing information with the user identification information, and sending the correlated mailing information and the correlated user identification information to an online shopping platform.
6. A data processing apparatus, comprising:
the data acquisition module is used for acquiring deposit bill data;
the account determining module is used for determining an online payment account according to the user identification information in the deposit bill data, wherein the online payment account is not bound with any bank card;
The amount adjustment module is used for adjusting the account amount of the online payment account according to the deposit amount in the deposit bill data;
the data acquisition module is specifically used for acquiring an operator identifier when a deposit event is detected, and performing authority verification according to the operator identifier;
if the authority verification is passed, acquiring deposit bill data by a client, establishing an intermediate account according to the deposit bill data, and storing deposit amount in the deposit bill data through the intermediate account;
and, the data processing apparatus further comprises a record generation module for:
After the account amount of the online payment account is adjusted according to the deposit amount in the deposit bill data, a deposit record is generated, a standing book is posted, the intermediate account is deleted, wherein the deposit record refers to all information records from the beginning to the end in the process of depositing the online payment account and is used for recording the full flow information of deposit; the whole flow information is used for recording various important information in the deposit process and deposit flow information, including fund sources, fund flow directions, money amounts and sponsors;
The amount adjustment module is specifically configured to obtain the deposit amount, calculate an addition result of the deposit amount and an account balance of the online payment account, and determine that the addition result is an adjusted account amount of the online payment account.
7. A server, the server comprising:
One or more processors;
Storage means for storing one or more programs,
When executed by the one or more processors, causes the one or more processors to implement the data processing method of any of claims 1-5.
8. A storage medium containing computer executable instructions for performing the data processing method of any of claims 1-5 when executed by a computer processor.
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