CN112037051A - Clearing account opening method and device - Google Patents
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Abstract
The invention discloses a clearing account opening method and a device, wherein the method comprises the following steps: after receiving an account opening request, determining a current application scene of a clearing account type according to pre-configured scene parameters; according to the current application scene of the clearing account type, determining a target clearing account type corresponding to the current application scene from a pre-configured scene account table; the scene account table comprises application scenes and corresponding clearing account types; determining account structure parameters and account verification rules of a pre-configured target clearing account type corresponding to the current application scene; and generating the target clearing account by using the account verification rule of the target clearing account type and the parameter data in the account structure parameter of the target clearing account type. The invention can freely pre-configure the application scene of the clearing account type, the account structure parameter of the target clearing account type and the account verification rule, thereby improving the flexibility of opening the clearing account.
Description
Technical Field
The invention relates to the technical field of financial transactions, in particular to a clearing account opening method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The transaction between different banks is often performed through clearing accounts, The clearing Account rules of banks in different regions are various, for example, The clearing accounts of International Bank Account Numbers (IBANs) in european union and argentina, and some european countries need The clearing accounts of their own country in addition to The IBANs, and The Account lengths, structures, and check rules of these clearing accounts are different.
At present, under a global framework, in order to meet transaction traffic between different banking systems under an IT architecture, the same clearing account rule is generally set in a manner of distributing natural number segments. However, some banking systems do not support clearing rules of various character types, some banking systems do not support clearing rules of different data sources, and some banking systems only support one clearing rule requirement. In order to open a clearing account, the version change is required to be made continuously, and the clearing rule is modified continuously to adapt to different bank systems, so that the flexibility of opening the clearing account is very poor.
Therefore, the existing clearing account is poor in flexibility.
Disclosure of Invention
The embodiment of the invention provides a clearing account opening method, which is used for improving the flexibility of opening a clearing account and comprises the following steps:
after receiving an account opening request, determining a current application scene of a clearing account type according to pre-configured scene parameters;
according to the current application scene of the clearing account type, determining a target clearing account type corresponding to the current application scene from a pre-configured scene account table; the scene account table comprises application scenes and corresponding clearing account types;
determining account structure parameters and account verification rules of a pre-configured target clearing account type corresponding to the current application scene;
and generating the target clearing account by using the account verification rule of the target clearing account type and the parameter data in the account structure parameter of the target clearing account type.
The embodiment of the invention also provides a clearing account opening device, which is used for improving the flexibility of opening the clearing account, and comprises the following components:
the scene determining module is used for determining the current application scene of the clearing account type according to the pre-configured scene parameters after receiving the account opening request;
the account determining module is used for determining a target clearing account type corresponding to the current application scene from a pre-configured scene account table according to the current application scene of the clearing account type; the scene account table comprises application scenes and corresponding clearing account types;
the parameter rule determining module is used for determining account structure parameters and account verification rules of a preset target clearing account type corresponding to the current application scene;
and the account generation module is used for generating the target clearing account by using the account verification rule of the target clearing account type and the parameter data in the account structure parameter of the target clearing account type.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the clearing account opening method is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the settlement account opening method.
In the embodiment of the invention, the application scene of the clearing account type is pre-configured based on the scene parameters, the account structure parameters and the account verification rules of the target clearing account type are also pre-configured based on the structure parameters, and after the account opening request is received, the parameter data in the account structure parameters are obtained according to the account structure parameters and the account verification rules of the target clearing account type corresponding to the current application scene, so that the target clearing account is generated. The embodiment of the invention can freely pre-configure the application scene of the clearing account type, the account structure parameter of the target clearing account type and the account verification rule, thereby improving the flexibility of opening the clearing account.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flowchart illustrating an implementation of a clearing account opening method according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating an implementation of step 101 in a clearing account opening method according to an embodiment of the present invention;
FIG. 3 is a flowchart illustrating an implementation of step 102 in a clearing account opening method according to an embodiment of the present invention;
FIG. 4 is a flowchart of another implementation of a clearing account opening method according to an embodiment of the present invention;
FIG. 5 is a functional block diagram of a clearing account opening device provided by an embodiment of the present invention;
fig. 6 is a block diagram illustrating a scenario determination module 501 in a clearing account opening apparatus according to an embodiment of the present invention;
FIG. 7 is a block diagram of an account determination module 502 in a clearing account opening device according to an embodiment of the present invention;
FIG. 8 is another functional block diagram of a clearing account opening device provided by an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 shows an implementation flow of a clearing account opening method provided by an embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
as shown in fig. 1, a clearing account opening method includes:
102, determining a target clearing account type corresponding to a current application scene from a pre-configured scene account table according to the current application scene of the clearing account type; the scene account table comprises application scenes and corresponding clearing account types;
103, determining account structure parameters and account verification rules of a preset target clearing account type corresponding to the current application scene;
and 104, generating the target clearing account by using the account verification rule of the target clearing account type and the parameter data in the account structure parameter of the target clearing account type.
When a user opens a clearing account at a bank institution website, the bank teller operates in the system, namely after receiving an opening request of the bank teller, an application scene of the clearing account type is determined by pre-configuring scene parameters of the clearing account type in the system. The scene parameter reflects the application scene attribute of the clearing account type, and may include a bank institution parameter, a website institution parameter, an account type parameter, a service product type, and the like. The application scenario of the clearing account type can be determined by configuring scenario parameters.
The scene parameters comprise two parts, wherein one part of the scene parameters are the scene parameters which are not required to be confirmed or selected by a user and are pre-configured in the system, such as bank institution parameters, website institution parameters and the like; another part of the scene parameters can be selected and confirmed by the user when the user opens an account at the institution website, such as the scene parameters of account type parameter and service product type.
Under the condition that the banking institution website is determined, the banking institution parameters and the website institution parameters are generally known or configured in advance, and a user only needs to open a clearing account in the corresponding banking institution website. The current application scene of the clearing account is uniquely determined at a specific banking institution website through configuration or selection of other scene parameters, such as an account type parameter or a business product type. For example, the application scenario of the determined clearing account is that a certain bank and a certain network point are in a certain product category.
And after the current application scene of the clearing account type is determined, acquiring a pre-configured scene account table. The scene account table comprises a clearing account type, an application scene and a corresponding relation between the clearing account type and the application scene. And determining the type of the target clearing account corresponding to the current application scene according to the current application scene and the acquired scene account table. The target clearing account type is the type of clearing account that the user needs to open. The target clearing account type is a preset clearing account type in the current application scene. Different application scenarios correspond to different clearing account types. The same application scenario may correspond to one clearing account type or to a plurality of different clearing account types.
And after determining the target clearing account type corresponding to the current application scene from the scene account table, determining the account structure parameters and the account check rules of the target clearing account type. Before the type of the clearing account is configured, the content contained in the account structure parameter of the clearing account is divided into different parameter items, and the account structure parameter of the clearing account is formed by freely configuring a plurality of parameter items. The data items should include multiple dimensions, and be considered dynamically and statically, so as to meet the requirements of different banking institutions or different regional banking institutions. For example, the parameter items may include constants, natural account numbers, bank codes, institution codes, security verification algorithms, country codes, and the like. The account structure parameters of the clearing account types corresponding to different application scenes are configured through the free combination of the parameter items so as to be stored in the system for maintenance and query. When a user opens a clearing account in a specific application scene, the clearing account type corresponding to the specific application scene is determined, and further account structure parameters of the clearing account type corresponding to the application scene are determined.
Similar to the account structure parameters of the clearing account type, the account checking rules of the clearing account type may also be preconfigured in the system. The account checking rule of the clearing account type may include a data type, a character length, a position of the parameter item in the account structure parameter of the clearing account type, a checking algorithm corresponding to different checking bits, a data source of the parameter item, and the like of each parameter item in the account structure parameter of the clearing account type. Each clearing account type corresponds to an account structure parameter of the clearing account type and also corresponds to an account verification rule of the clearing account type. Accordingly, the account structure parameters and the account verification rules of the target clearing account type corresponding to the current application scene are determined.
And finally, acquiring parameter data of parameter items in the account structure parameters of the target clearing account type when the clearing account is opened, and further generating a specific target clearing account based on the acquired parameter data of the parameter items in the account structure parameters by using the account verification rule of the target clearing account type.
In the embodiment of the invention, the application scene of the clearing account type is pre-configured based on the scene parameters, the account structure parameters and the account verification rules of the target clearing account type are also pre-configured based on the structure parameters, and after the account opening request is received, the parameter data in the account structure parameters are obtained according to the account structure parameters and the account verification rules of the target clearing account type corresponding to the current application scene, so that the target clearing account is generated. The embodiment of the invention can freely pre-configure the application scene of the clearing account type, the account structure parameter of the target clearing account type and the account verification rule, thereby improving the flexibility of opening the clearing account.
Fig. 2 shows an implementation flow of step 101 in the clearing account opening method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
in an embodiment of the present invention, in order to improve flexibility of opening a clearing account, as shown in fig. 2, in step 101, after receiving an account opening request, determining a current application scenario of a clearing account type according to pre-configured scenario parameters includes:
The relationship between the type of the clearing account and the corresponding application scenario can be configured in the scenario parameter table in advance. The combination of different scene parameters determines different application scenes. And determining the unique corresponding application scene through the free combination and configuration of a plurality of scene parameters. The scene parameter table is pre-configured in a database, and can be maintained, inquired and the like. For example, an application scene corresponding to a set of scene parameters is added, or a set of scene parameters or a corresponding application scene is modified, or an application scene corresponding to a set of scene parameters is deleted, and the like. The scene parameters may include one or more of banking institution parameters, website institution parameters, product type parameters, and the like.
After receiving an account opening request, acquiring a pre-configured scene parameter table from a database, and determining a current application scene from the acquired scene parameter table through the configured scene parameters.
In the embodiment of the invention, the scene parameters and the application scenes corresponding to the scene parameters are configured in the scene parameter table in the database, after the account opening request is received, the pre-configured scene parameter table is obtained from the database through the bank mechanism parameters, the website mechanism parameters and other scene parameters selected and determined by the user, and the current application scene of the type of the clearing account is determined from the scene parameter table through the configured scene parameters, so that the diversity of the application scenes can be improved to the maximum extent, the flexibility of opening the clearing account is paved, and the flexibility of opening the clearing account is further improved.
Fig. 3 illustrates an implementation flow of step 102 in the clearing account opening method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
in an embodiment of the present invention, in order to improve the efficiency of determining the target clearing account type, as shown in fig. 3, step 102, determining the target clearing account type corresponding to the current application scenario from a pre-configured scenario account table according to the current application scenario of the clearing account type, includes:
The application scenario and the corresponding target clearing account type can be configured in the scenario account table in advance. Namely, the scene account table comprises the clearing account type, the application scene and the corresponding relation between the clearing account type and the application scene. Different application scenarios may correspond to different clearing account types.
The scene account table is pre-configured in a database and can be maintained and inquired. For example, a clearing account type corresponding to a group of application scenarios is added, or a clearing account type corresponding to a group of application scenarios is modified, or a clearing account type corresponding to a group of application scenarios is deleted, and the like.
After the current application scene of the clearing account type is determined, a pre-configured scene account table is obtained from a database based on the current application scene of the clearing account type, and then the target clearing account type corresponding to the current application scene is determined according to the obtained scene account table.
In the embodiment of the invention, the application scene and the corresponding clearing account type are configured in the scene account table in advance, the scene account table is firstly obtained from the database based on the current application scene, and then the target clearing account type corresponding to the current application scene is determined according to the scene account table.
Fig. 4 shows another implementation flow of the clearing account opening method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
in an embodiment of the present invention, in order to improve flexibility of configuring a clearing account type application scenario, as shown in fig. 4, the clearing account opening method further includes, on the basis of the above method steps:
When the application scene in the scene parameter list is configured, the scene parameters selected by the scene parameter list maintainer are received, and the corresponding application scene is determined according to the combination of the selected scene constants, so that the configuration of the scene parameters and the application scene in the scene parameter list is realized. In addition, the scene parameters and the corresponding application scenes can be modified according to the received configuration modification instruction.
In the embodiment of the invention, the application scenes of different clearing account types are configured according to the received at least one scene parameter, so that the flexibility of configuring the application scenes of the clearing accounts can be improved.
In an embodiment of the present invention, in order to improve flexibility of configuring the checking rule of the clearing account, as shown in fig. 4, the clearing account opening method further includes, on the basis of the above method steps:
When account verification rules of different clearing account types are configured, according to received configuration instructions, the account verification rules of the clearing account types are determined, namely data items contained in account structure parameters in the clearing account types, data types of the data items, character lengths of the data items, positions of different data items in the account structure parameters of the clearing account types, data sources of the data items and the like. In addition, the account verification rules of different clearing account types can be modified according to the received configuration modification instruction.
In the embodiment of the invention, the account verification rules of different clearing account types are configured according to the received at least one structural parameter, so that the flexibility of configuring the account verification rules of the clearing account types can be improved.
In an embodiment of the present invention, in order to improve flexibility of configuring a scene parameter table, as shown in fig. 4, the method for opening an account for clearing includes, on the basis of the above method steps:
and 403, configuring a scene parameter table according to the received configuration instruction.
The scene parameter table is configured, for example, through a visual interface, and when a configuration instruction is received, the application scene and the scene parameters of the application scene in the scene parameter table are configured, as well as the corresponding relationship between the application scene and the scene parameters.
In the embodiment of the invention, the scene parameter list is configured according to the received configuration instruction, so that the flexibility of configuring the scene parameter list can be improved.
In an embodiment of the present invention, in order to improve flexibility of configuring a scenario account table, as shown in fig. 4, a clearing account opening method further includes, on the basis of the above method steps:
When a configuration instruction is received, the corresponding relationship between the application scenario and the clearing account type and the corresponding relationship between the application scenario and the clearing account type in the scenario account table are configured.
In the embodiment of the invention, the scene account table is configured according to the received configuration instruction, so that the flexibility of configuring the scene account table can be improved.
In an embodiment of the present invention, in order to improve the user experience, as shown in fig. 4, the method for clearing an account further includes, on the basis of the above method steps:
For example, after the target clearing account is generated, the generated target clearing account is presented to the user through a detail notice including various information of the generated target clearing account. Such as an issuing network point, an issuing bank, an account type or account number, and so forth.
In the embodiment of the invention, the generated target clearing account is displayed to the user, so that the user experience can be improved.
The embodiment of the invention also provides a clearing account opening device, which is described in the following embodiment. Because the principle of solving the problems of the devices is similar to the clearing account opening method, the implementation of the devices can be referred to the implementation of the method, and repeated details are not repeated.
Fig. 5 shows functional modules of a clearing account opening device provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
referring to fig. 5, each module included in the clearing account opening apparatus is used to execute each step in the embodiment corresponding to fig. 1, and specific reference is made to fig. 1 and the related description in the embodiment corresponding to fig. 1, which are not described herein again. In the embodiment of the present invention, the clearing account opening device includes a scenario determining module 501, an account determining module 502, a parameter rule determining module 502, and an account generating module 504.
The context determining module 501 is configured to determine, after receiving the account opening request, a current application context of the clearing account type according to the pre-configured context parameters.
An account determining module 502, configured to determine, according to a current application scenario of a clearing account type, a target clearing account type corresponding to the current application scenario from a pre-configured scenario account table; the context account table includes application contexts and their corresponding clearing account types.
A parameter rule determining module 502, configured to determine account structure parameters and account verification rules of a preconfigured target clearing account type corresponding to the current application scenario.
The account generation module 504 is configured to generate a target clearing account by using the account verification rule of the target clearing account type and the parameter data in the account structure parameter of the target clearing account type.
In the embodiment of the present invention, an application scenario of a clearing account type is preconfigured based on a scenario parameter, and an account structure parameter and an account verification rule of a target clearing account type are preconfigured based on a structure parameter, after the scenario determination module 501 receives an account opening request, the parameter rule determination module 502 obtains parameter data in the account structure parameter according to the account structure parameter and the account verification rule of the target clearing account type corresponding to the current application scenario, and the account generation module 504 generates the target clearing account. The embodiment of the invention can freely pre-configure the application scene of the clearing account type, the account structure parameter of the target clearing account type and the account verification rule, thereby improving the flexibility of opening the clearing account.
Fig. 6 shows a schematic structure of the scenario determination module 501 in the clearing account opening device provided by the embodiment of the present invention, and for convenience of description, only the part related to the embodiment of the present invention is shown, and the following details are described below:
in an embodiment of the present invention, in order to improve flexibility of opening a clearing account, referring to fig. 6, each unit included in the scene determining module 501 is configured to execute each step in the embodiment corresponding to fig. 2, specifically refer to fig. 2 and related descriptions in the embodiment corresponding to fig. 2, and are not described again here. In the embodiment of the present invention, the scene determining module 501 includes a scene parameter table obtaining unit 601 and an application scene determining unit 602.
A scene parameter table obtaining unit 601, configured to obtain a pre-configured scene parameter table from a database after receiving an account opening request; the scene parameter table comprises scene parameters of the clearing account type and corresponding application scenes.
An application scenario determining unit 602, configured to determine, according to a scenario parameter table obtained from a database, a current application scenario of a clearing account type corresponding to a pre-configured scenario parameter.
In the embodiment of the present invention, the scene parameters and the application scenes corresponding to the scene parameters are configured in the scene parameter table in the database, after receiving the account opening request, the scene parameter table obtaining unit 601 obtains the pre-configured scene parameter table from the database, and the application scene determining unit 602 determines the current application scene of the corresponding clearing account type from the scene parameter table according to the configured scene parameters, so that the flexibility of opening the clearing account can be improved.
Fig. 7 shows a schematic structure of the account determination module 502 in the clearing account opening device provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
in an embodiment of the present invention, in order to improve the efficiency of determining the type of the target clearing account, referring to fig. 7, each unit included in the account determining module 502 is configured to execute each step in the embodiment corresponding to fig. 3, and specifically, refer to fig. 3 and the related description in the embodiment corresponding to fig. 3, which is not described herein again. In the embodiment of the present invention, the account determining module 502 includes a scene account table obtaining unit 701 and a clearing account determining unit 702.
A scene account table obtaining unit 701, configured to obtain a pre-configured scene account table from a database according to a current application scene of the clearing account type.
A clearing account determining unit 702, configured to determine, according to the scene account table obtained from the database, a target clearing account type corresponding to the current application scene.
In the embodiment of the present invention, an application scenario and a corresponding clearing account type are configured in a scenario account table in advance, first, a scenario account table obtaining unit 701 obtains the scenario account table from a database based on a current application scenario, and then a clearing account determining unit 702 determines a target clearing account type corresponding to the current application scenario according to the scenario account table.
Fig. 8 shows another functional module of the clearing account opening device provided by the embodiment of the present invention, and for convenience of description, only the part related to the embodiment of the present invention is shown, and the detailed description is as follows:
in an embodiment of the present invention, in order to improve flexibility of configuring a clearing account application scenario, as shown in fig. 8, modules included in the clearing account opening apparatus are configured to execute steps in the embodiment corresponding to fig. 4, please refer to fig. 4 and related descriptions in the embodiment corresponding to fig. 4, which are not repeated herein. In the embodiment of the present invention, on the basis of the above module structure, the clearing account opening device further includes a scene configuration module 801.
A scenario configuration module 801, configured to configure application scenarios of different clearing account types according to the received at least one scenario parameter.
In the embodiment of the present invention, the scenario configuration module 801 configures application scenarios of different clearing account types according to the received at least one scenario parameter, which can improve flexibility of configuring an application scenario of a clearing account.
In an embodiment of the present invention, in order to improve flexibility of configuring the checking rule of the clearing account, as shown in fig. 8, on the basis of the above module structure, the clearing account opening apparatus further includes a rule configuration module 802.
A rule configuration module 802, configured to configure account checking rules of different clearing account types according to the received at least one configuration parameter.
In the embodiment of the present invention, the rule configuration module 802 configures the account verification rules of different clearing account types according to the received at least one structural parameter, which can improve the flexibility of configuring the account verification rules of the clearing account types.
In an embodiment of the present invention, in order to improve flexibility of configuring the scene parameter table, as shown in fig. 8, on the basis of the above module structure, the clearing account opening apparatus further includes a scene parameter table configuration module 803.
And a scene parameter table configuration module 803, configured to configure a scene parameter table according to the received configuration instruction.
In the embodiment of the present invention, the scene parameter table configuration module 803 configures the scene parameter table according to the received configuration instruction, which can improve the flexibility of configuring the scene parameter table.
In an embodiment of the present invention, in order to improve flexibility of configuring the scenario account table, as shown in fig. 8, on the basis of the above module structure, the clearing account opening apparatus further includes a scenario account table configuring module 804.
And a scenario account table configuration module 804, configured to configure the scenario account table according to the received configuration instruction.
In the embodiment of the present invention, the scenario account table configuration module 804 configures the scenario account table according to the received configuration instruction, which can improve the flexibility of configuring the scenario account table.
In an embodiment of the present invention, in order to enhance the user experience, as shown in fig. 8, on the basis of the above module structure, the clearing account opening apparatus further includes an account displaying module 805.
An account presentation module 805 for presenting the generated target clearing account to the user.
In the embodiment of the present invention, the account displaying module 805 displays the generated target clearing account to the user, so that the user experience can be improved.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the clearing account opening method is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the settlement account opening method.
In summary, in the embodiment of the present invention, an application scenario of a clearing account type is preconfigured based on scenario parameters, an account structure parameter and an account verification rule of a target clearing account type are also preconfigured based on structure parameters, and after an account opening request is received, parameter data in the account structure parameter is obtained according to the account structure parameter and the account verification rule of the target clearing account type corresponding to the current application scenario, so as to generate a target clearing account. The embodiment of the invention can freely pre-configure the application scene of the clearing account type, the account structure parameter of the target clearing account type and the account verification rule, thereby improving the flexibility of opening the clearing account.
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.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A method of clearing an account, comprising:
after receiving an account opening request, determining a current application scene of a clearing account type according to pre-configured scene parameters;
according to the current application scene of the clearing account type, determining a target clearing account type corresponding to the current application scene from a pre-configured scene account table; the scene account table comprises application scenes and corresponding clearing account types;
determining account structure parameters and account verification rules of a pre-configured target clearing account type corresponding to the current application scene;
and generating the target clearing account by using the account check rule of the target clearing account type and the parameter data in the account structure parameter of the target clearing account type.
2. The clearing account opening method of claim 1, wherein determining a current application scenario of the clearing account type according to pre-configured scenario parameters after receiving the account opening request comprises:
after receiving an account opening request, acquiring a pre-configured scene parameter table from a database; the scene parameter table comprises scene parameters of the clearing account type and corresponding application scenes;
and determining the current application scene of the clearing account type corresponding to the preset scene parameters according to the scene parameter table acquired from the database.
3. The clearing account opening method of claim 1, wherein determining a target clearing account type corresponding to a current application scenario from a pre-configured scenario account table according to the current application scenario of the clearing account type comprises:
acquiring a pre-configured scene account table from a database according to the current application scene of the clearing account type;
and determining the type of the target clearing account corresponding to the current application scene according to the scene account table acquired from the database.
4. The clearing account opening method of claim 1, further comprising:
and displaying the generated target clearing account to the user.
5. The clearing account opening method of claim 1, further comprising:
configuring application scenes of different clearing account types according to the received at least one scene parameter; and/or
And configuring account verification rules of different clearing account types according to the received at least one structural parameter.
6. The clearing account opening method of claim 2, further comprising:
and configuring a scene parameter table according to the received configuration instruction.
7. A clearing account opening method as claimed in claim 3, further comprising:
and configuring the scene account table according to the received configuration instruction.
8. A clearing account opening apparatus, comprising:
the scene determining module is used for determining the current application scene of the clearing account type according to the pre-configured scene parameters after receiving the account opening request;
the account determining module is used for determining a target clearing account type corresponding to the current application scene from a pre-configured scene account table according to the current application scene of the clearing account type; the scene account table comprises application scenes and corresponding clearing account types;
the parameter rule determining module is used for determining account structure parameters and account verification rules of a preset target clearing account type corresponding to the current application scene;
and the account generation module is used for generating the target clearing account by using the account verification rule of the target clearing account type and the parameter data in the account structure parameter of the target clearing account type.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the clearing account opening method of any of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium storing a computer program for executing the settlement account opening method according to any one of claims 1 to 7.
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