CN112037051B - Account clearing account opening method and device - Google Patents
Account clearing account opening method and device Download PDFInfo
- Publication number
- CN112037051B CN112037051B CN202010955426.8A CN202010955426A CN112037051B CN 112037051 B CN112037051 B CN 112037051B CN 202010955426 A CN202010955426 A CN 202010955426A CN 112037051 B CN112037051 B CN 112037051B
- Authority
- CN
- China
- Prior art keywords
- account
- clearing
- scene
- parameters
- clearing account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses a method and a device for opening a clearing account, wherein the method comprises the following steps: after receiving an account opening request, determining a current application scene of clearing account types according to preset scene parameters; 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; determining account structure parameters and account verification rules of a pre-configured target clearing account type corresponding to a current application scene; and generating the target clearing account by using the account checking rule of the target clearing account type and the parameter data in the account structure parameters of the target clearing account type. The invention can freely pre-configure the application scene of the clearing account type, the account structure parameters of the target clearing account type and the account verification rules, thereby improving the flexibility of clearing account opening.
Description
Technical Field
The invention relates to the technical field of financial transactions, in particular to a method and a device for clearing account.
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 carried out through clearing accounts, and the rules of the clearing accounts of the banks in different regions are various, such as an IBAN (The International Bank Account Number, international Bank account number) account of the European Union, an Argentina clearing account and the like, and part of European non-countries need clearing accounts of the country besides the IBAN account, and the account lengths, structures, verification rules and the like of the clearing accounts are different.
Currently, under the global framework, in order to meet the transaction transactions between different banking systems under the IT architecture, the same clearing account rule is generally set by adopting a mode of distributing natural number segments. However, some banking systems do not support the clearing rules for various character types, some banking systems do not support the clearing rules for different data sources, and some banking systems support only one clearing rule requirement. To open the clearing account, version changes are required to be continuously made, and the clearing rules are continuously modified to adapt to different banking systems, so that the flexibility of opening the clearing account is very poor.
It follows that the opening of existing clearing accounts has the problem of poor flexibility.
Disclosure of Invention
The embodiment of the invention provides a clearing account opening method, which is used for improving the flexibility of clearing account opening, and comprises the following steps:
after receiving an account opening request, determining a current application scene of clearing account types according to preset scene parameters; the scene parameters reflect application scene attributes of the clearing account type and can comprise bank institution parameters, website institution parameters, account type parameters and business product types;
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;
determining account structure parameters and account verification rules of a pre-configured target clearing account type corresponding to a current application scene;
and generating the target clearing account by using the account checking rule of the target clearing account type and the parameter data in the account structure parameters 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 clearing account opening, and comprises the following components:
the scene determining module is used for determining the current application scene of clearing account types according to the preset scene parameters after receiving the account opening request; the scene parameters reflect application scene attributes of the clearing account type and can comprise bank institution parameters, website institution parameters, account type parameters and business product types;
the account determining module is used for determining a target clearing account type corresponding to the current application scene from a preset 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 pre-configured target clearing account type corresponding to the current application scene;
and the account generation module is used for generating the target clearing account by utilizing the account verification rule of the target clearing account type and the parameter data in the account structure parameters 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 stored on the memory and capable of running on the processor, wherein the computer program is executed by the processor to realize the account clearing method.
The embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and the computer program realizes the clearing account opening method when being executed by a processor.
In the embodiment of the invention, an application scene of a clearing account type is preconfigured based on scene parameters, account structure parameters and account verification rules of a target clearing account type are preconfigured based on structure parameters, and after an account opening request is received, parameter data in the account structure parameters are acquired 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 a 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 parameters and the account verification rules of the target clearing account type, thereby improving the flexibility of clearing account opening.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a flow chart of an implementation of a method for opening a clearing account according to an embodiment of the present invention;
fig. 2 is a flowchart of step 101 in the method for opening a clearing account according to an embodiment of the present invention;
FIG. 3 is a flowchart illustrating an implementation of step 102 in a method for opening a clearing account according to an embodiment of the present invention;
FIG. 4 is a flowchart of another implementation of a method for opening a clearing account according to an embodiment of the present invention;
FIG. 5 is a functional block diagram of a device for opening a clearing account according to an embodiment of the present invention;
fig. 6 is a block diagram illustrating a scenario determining module 501 in a clearing account opening device according to an embodiment of the present invention;
fig. 7 is a block diagram illustrating the structure of an account determining module 502 in the clearing account opening device according to the embodiment of the present invention;
fig. 8 is another functional block diagram of a clearing account opening device according to an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
Fig. 1 shows a flow of implementation of the method for opening an account for clearing account according to the embodiment of the present invention, and for convenience of description, only the portions related to the embodiment of the present invention are shown, which are described in detail below:
as shown in fig. 1, the method for clearing account opening includes:
step 101, after receiving an account opening request, determining a current application scene of clearing account types according to preset scene parameters;
step 102, 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;
step 103, determining account structure parameters and account verification rules of a pre-configured target clearing account type corresponding to the current application scene;
step 104, generating the target clearing account by using the account checking rule of the target clearing account type and the parameter data in the account structure parameters of the target clearing account type.
When a user opens a clearing account to a banking institution website, the banking teller operates in the system, namely after receiving an account opening request of the banking 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 parameters reflect application scene attributes of the clearing account type, and can comprise bank institution parameters, website institution parameters, account type parameters, business product types and the like. The application scenario of the clearing account type can be determined by configuring the scenario parameters.
The scene parameters comprise two parts, wherein one part of the scene parameters are 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 account type parameters, business product types and other scene parameters.
In the case of banking institution website determination, banking institution parameters and website institution parameters are generally known or preconfigured, and the user only needs to open a clearing account to the corresponding banking institution website. The current application scene of the clearing account is uniquely determined by configuring or selecting other scene parameters, such as account type parameters or business product types, at a specific banking institution website. For example, the application scenario of the determined clearing account is a certain product category of a certain bank at a certain website.
And after determining the current application scene of the clearing account type, 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 clearing account type which needs to be opened by the user. 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 may correspond to multiple different clearing account types.
And after determining the target clearing account type corresponding to the current application scene from the scene account table, determining account structure parameters and account verification rules of the target clearing account type. Before the clearing account type is configured, the content contained in the account structure parameters of the clearing account is divided into different parameter items, and the account structure parameters of the clearing account are freely configured by a plurality of parameter items. The data item should comprise multiple dimensions, and be dynamically and statically compatible to meet the requirements of different banking institutions or banking institutions in different regions. For example, the parameter items may include constants, natural account numbers, bank codes, institution codes, security check 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 inquiry. When a user opens a clearing account under a specific application scene, determining the type of the clearing account corresponding to the specific application scene, and further determining the account structure parameters of the type of the clearing account corresponding to the application scene.
Similar to the account structure parameters of the clearing account type, the account verification rules of the clearing account type may also be preconfigured in the system. The account verification rules 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 verification algorithm corresponding to different verification 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. And determining account structure parameters and account verification rules of the target clearing account type corresponding to the current application scene.
And finally, acquiring the parameter data of the 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 utilizing the account verification rule of the target clearing account type.
In the embodiment of the invention, an application scene of a clearing account type is preconfigured based on scene parameters, account structure parameters and account verification rules of a target clearing account type are preconfigured based on structure parameters, and after an account opening request is received, parameter data in the account structure parameters are acquired 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 a 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 parameters and the account verification rules of the target clearing account type, thereby improving the flexibility of clearing account opening.
Fig. 2 shows a flow of implementing step 101 in the method for opening an account for clearing account according to the embodiment of the present invention, and for convenience of description, only the portion relevant to the embodiment of the present invention is shown, which is described in detail below:
in an embodiment of the present invention, in order to improve flexibility of account opening, as shown in fig. 2, step 101, after receiving an account opening request, determines a current application scenario of a account type for clearing according to a pre-configured scenario parameter, including:
step 201, 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;
step 202, determining the current application scene of the clearing account type corresponding to the pre-configured scene parameters according to the scene parameter table acquired from the database.
Wherein, the relation between the clearing account type and the corresponding application scene can be preconfigured in the scene parameter table. The combination of different scene parameters determines different application scenes. And determining the unique corresponding application scene through the free combination and configuration of the scene parameters. The scene parameter table is preconfigured in a database and can be maintained, queried and the like. For example, adding an application scene corresponding to a set of scene parameters, or modifying a set of scene parameters or corresponding application scenes, or deleting an application scene corresponding to a set of scene parameters, etc. The scene parameters may include one or more of banking institution parameters, website institution parameters, product type parameters, and the like, among others.
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 parameter.
In the embodiment of the invention, the scene parameters and the corresponding application scenes are configured in the scene parameter table in the database, after an account opening request is received, the preset scene parameter table is acquired from the database through the bank mechanism parameters, the website mechanism parameters and other scene parameters selected and determined by a user, and the current application scene of clearing account types is determined from the scene parameter table through the configured scene parameters, so that the diversity of the application scene can be maximally improved, the flexibility of clearing account opening is padded, and the flexibility of clearing account opening is further improved.
Fig. 3 shows a flow of implementation of step 102 in the method for opening an account for clearing account according to the embodiment of the present invention, and for convenience of description, only the portion relevant to the embodiment of the present invention is shown, which is described in detail below:
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, according to the current application scenario of the clearing account type, determines the target clearing account type corresponding to the current application scenario from a pre-configured scenario account table, including:
step 301, obtaining a pre-configured scene account table from a database according to the current application scene of the clearing account type;
step 302, determining a target clearing account type corresponding to the current application scene according to the scene account table acquired from the database.
Wherein, the application scene and the corresponding target clearing account type can be preconfigured in the scene account table. That is, the scene account table includes a clearing account type, an application scene, and a correspondence between the clearing account type and the application scene. Different application scenarios may correspond to different clearing account types.
The scene account table is preconfigured in a database and can be maintained and queried. For example, adding a clearing account type corresponding to a set of application scenes, modifying a clearing account type corresponding to a set of application scenes, deleting a clearing account type corresponding to a set of application scenes, and the like.
After determining the current application scene of the clearing account type, acquiring a pre-configured scene account table from a database based on the current application scene of the clearing account type, and then determining the target clearing account type corresponding to the current application scene according to the acquired scene account table.
In the embodiment of the invention, the application scene and the corresponding clearing account type are preconfigured in the scene account table, 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 method for clearing account according to the embodiment of the present invention, and for convenience of description, only the portion relevant to the embodiment of the present invention is shown, which is described in detail below:
in an embodiment of the present invention, in order to improve flexibility in configuring an application scenario of clearing account types, as shown in fig. 4, a method for clearing account opening, based on the steps of the method, further includes:
step 401, configuring application scenes of different clearing account types according to the received at least one scene parameter.
When configuring the application scenes in the scene parameter table, receiving scene parameters selected by a scene parameter table maintainer, and determining the corresponding application scenes according to the combination of the selected scene constants, thereby realizing the configuration of the scene parameters and the application scenes in the scene parameter table. 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 account can be improved.
In an embodiment of the present invention, in order to improve the flexibility of configuring the checking rule of the clearing account, as shown in fig. 4, the clearing account opening method further includes, based on the steps of the method, the following steps:
step 402, configuring account verification rules of different clearing account types according to the received at least one structural parameter.
When the account verification rules of different clearing account types are configured, the account verification rules of the clearing account types, namely the data items contained in the account structure parameters in the clearing account types, the data types of the data items, the character lengths of the data items, the positions of the different data items in the account structure parameters of the clearing account types, the data sources of the data items and the like are determined according to the received configuration instructions. In addition, the account verification rules of different clearing account types can be modified according to the received configuration modification instructions.
According to 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 the scene parameter table, as shown in fig. 4, the method for clearing account and opening accounts further includes, based on the steps of the method:
step 403, configuring the scene parameter table according to the received configuration instruction.
In the configuration scene parameter table, for example, the scene parameter table can be configured 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 and the corresponding relation between the application scene and the scene parameters are configured.
In the embodiment of the invention, the scene parameter table is configured according to the received configuration instruction, so that the flexibility of configuring the scene parameter table can be improved.
In an embodiment of the present invention, in order to improve flexibility of configuring a scene account table, as shown in fig. 4, a method for clearing an account, based on the steps of the method, further includes:
step 404, configuring a scene account table according to the received configuration instruction.
In the configuration of the scene account table, the scene account table can be configured through a visual interface, and when a configuration instruction is received, the corresponding relation between the application scene and the clearing account type and between the application scene and the clearing account type in the scene account table is 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, based on the steps of the method, further includes:
and step 405, displaying the generated target clearing account to the user.
For example, after the target clearing account is generated, the generated target clearing account is presented to the user via a detail notification that includes various information of the generated target clearing account. Such as an account opening website, an account opening bank, an account type or account number, etc.
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 by the devices is similar to that of clearing account opening methods, the implementation of the devices can be referred to the implementation of the methods, and the repetition is omitted.
Fig. 5 shows functional modules of the clearing account opening device provided by the embodiment of the present invention, and for convenience of explanation, only parts relevant to the embodiment of the present invention are shown, which are described in detail below:
referring to fig. 5, each module included in the clearing account opening device is configured to execute each step in the corresponding embodiment of fig. 1, and detailed descriptions of the corresponding embodiments of fig. 1 and fig. 1 are omitted herein. In the embodiment of the invention, the clearing account opening device comprises a scene determining module 501, an account determining module 502, a parameter rule determining module 503 and an account generating module 504.
The scene determination module 501 is configured to determine, after receiving an account opening request, a current application scene of clearing account types according to a preset scene parameter.
The account determining module 502 is configured to determine, according to a current application scenario of the clearing account type, a target clearing account type corresponding to the current application scenario from a pre-configured scenario account table; the scene account table includes application scenes and their corresponding clearing account types.
The parameter rule determining module 503 is configured to determine account structure parameters and account verification rules of a pre-configured 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, an account structure parameter and an account verification rule of a target clearing account type are preconfigured based on a structure parameter, after receiving an account opening request, a scenario determining module 501 determines a parameter rule by a parameter rule determining module 503 according to the account structure parameter and the account verification rule of the target clearing account type corresponding to the current application scenario, and an account generating module 504 acquires parameter data in the account structure parameter 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 parameters and the account verification rules of the target clearing account type, thereby improving the flexibility of clearing account opening.
Fig. 6 shows a schematic structural diagram of a scene determining module 501 in the clearing account opening device according to the embodiment of the present invention, and for convenience of explanation, only the portions relevant to the embodiment of the present invention are shown, which are described in detail below:
in an embodiment of the present invention, in order to improve the flexibility of clearing account, referring to fig. 6, each unit included in the scene determination module 501 is configured to perform each step in the corresponding embodiment of fig. 2, and detailed descriptions in fig. 2 and the corresponding embodiment of fig. 2 are omitted herein. 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.
The application scenario determining unit 602 is configured to determine, according to the scenario parameter table obtained from the database, a current application scenario of the clearing account type corresponding to the pre-configured scenario parameter.
In the embodiment of the present invention, the scene parameters and the corresponding application scenes are configured in the scene parameter table in the database, and 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 through the configured scene parameters, so that the flexibility of clearing account opening can be improved.
Fig. 7 shows a schematic structural diagram of an account determining module 502 in a clearing account opening device according to an embodiment of the present invention, and for convenience of explanation, only a portion related to the embodiment of the present invention is shown, which is described in detail below:
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 perform each step in the corresponding embodiment of fig. 3, and detailed descriptions of the corresponding embodiment of fig. 3 are omitted herein. 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.
The scene account table obtaining unit 701 is configured to obtain a pre-configured scene account table from a database according to a current application scene of the clearing account type.
The clearing account determining unit 702 is configured to determine a target clearing account type corresponding to the current application scenario according to the scenario account table acquired from the database.
In the embodiment of the present invention, the application scenario and the corresponding clearing account type are preconfigured in the scenario account table, firstly, the scenario account table obtaining unit 701 obtains the scenario account table from the database based on the current application scenario, and further the clearing account determining unit 702 determines the 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 in the embodiment of the present invention, and for convenience of explanation, only the portion relevant to the embodiment of the present invention is shown, which is described in detail below:
in an embodiment of the present invention, in order to improve flexibility in configuring the application scenario of the clearing account, as shown in fig. 8, each module included in the clearing account opening device is configured to execute each step in the corresponding embodiment of fig. 4, and detailed descriptions in fig. 4 and the corresponding embodiment of fig. 4 are omitted herein. In the embodiment of the present invention, based on the above module structure, the account clearing device further includes a scene configuration module 801.
The scene configuration module 801 is configured to configure application scenes of different clearing account types according to the received at least one scene parameter.
In the embodiment of the invention, the scene configuration module 801 configures application scenes of different clearing account types according to at least one received scene parameter, so that the flexibility of configuring the clearing account application scenes can be improved.
In an embodiment of the present invention, in order to improve the flexibility of configuring the checking rules of the clearing account, as shown in fig. 8, the clearing account opening device further includes a rule configuration module 802 based on the above module structure.
A rule configuration module 802 is configured to configure account verification rules for different clearing account types according to the received at least one structural parameter.
In the embodiment of the present invention, the rule configuration module 802 configures account verification rules of different clearing account types according to the received at least one structural parameter, so that 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 the scene parameter table, as shown in fig. 8, on the basis of the above module structure, the account clearing device further includes a scene parameter table configuration module 803.
The scene parameter table configuration module 803 is configured to configure the scene parameter table according to the received configuration instruction.
In the embodiment of the invention, the scene parameter table configuration module 803 configures the scene parameter table according to the received configuration instruction, so that the flexibility of configuring the scene parameter table can be improved.
In an embodiment of the present invention, in order to improve flexibility of configuring the scene account table, as shown in fig. 8, on the basis of the above module structure, the account clearing device further includes a scene account table configuration module 804.
The scene account table configuration module 804 is configured to configure a scene account table according to the received configuration instruction.
In the embodiment of the invention, the scene account table configuration module 804 configures the scene account table 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. 8, based on the above module structure, the account clearing device further includes an account display module 805.
An account presentation module 805 for presenting the generated target clearing account to the user.
In the embodiment of the invention, the account display 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 stored on the memory and capable of running on the processor, wherein the computer program is executed by the processor to realize the account clearing method.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the account clearing method.
In summary, in the embodiment of the present invention, an application scenario of a clearing account type is preconfigured based on a scenario parameter, an account structure parameter and an account verification rule of a target clearing account type are preconfigured based on a structure parameter, 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 parameters and the account verification rules of the target clearing account type, thereby improving the flexibility of clearing account opening.
It will be appreciated by those skilled in the art that 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing 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 foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (10)
1. A method of clearing an account opening comprising:
after receiving an account opening request, determining a current application scene of clearing account types according to preset scene parameters; the scene parameters reflect application scene attributes of clearing account types, including banking institution parameters, website institution parameters, account type parameters and business product types;
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;
determining account structure parameters and account verification rules of a pre-configured target clearing account type corresponding to a current application scene;
and generating the target clearing account by using the account checking rule of the target clearing account type and the parameter data in the account structure parameters of the target clearing account type.
2. The method of clearing account opening as claimed in claim 1, wherein after receiving the account opening request, determining a current application scenario of the clearing account type according to a pre-configured scenario parameter 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 pre-configured scene parameter according to the scene parameter table acquired from the database.
3. The method of clearing account opening as claimed in claim 1, wherein determining a 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 comprises:
acquiring a pre-configured scene account table from a database according to the current application scene of the clearing account type;
and determining a target clearing account type corresponding to the current application scene according to the scene account table acquired from the database.
4. The method of clearing an account as recited in claim 1, further comprising:
and displaying the generated target clearing account to the user.
5. The method of clearing an account as recited in 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 method of clearing an account as claimed in claim 2, further comprising:
and configuring a scene parameter table according to the received configuration instruction.
7. The method of clearing an account of claim 3, further comprising:
and configuring a scene account table according to the received configuration instruction.
8. A clearing account opening device, comprising:
the scene determining module is used for determining the current application scene of clearing account types according to the preset scene parameters after receiving the account opening request; the scene parameters reflect application scene attributes of clearing account types, including banking institution parameters, website institution parameters, account type parameters and business product types;
the account determining module is used for determining a target clearing account type corresponding to the current application scene from a preset 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 pre-configured target clearing account type corresponding to the current application scene;
and the account generation module is used for generating the target clearing account by utilizing the account verification rule of the target clearing account type and the parameter data in the account structure parameters 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 method of clearing an account as claimed in any one of claims 1 to 7 when the computer program is executed.
10. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when executed by a processor, implements the method of clearing an account opening of any of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010955426.8A CN112037051B (en) | 2020-09-11 | 2020-09-11 | Account clearing account opening method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010955426.8A CN112037051B (en) | 2020-09-11 | 2020-09-11 | Account clearing account opening method and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN112037051A CN112037051A (en) | 2020-12-04 |
| CN112037051B true CN112037051B (en) | 2023-09-22 |
Family
ID=73588903
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010955426.8A Active CN112037051B (en) | 2020-09-11 | 2020-09-11 | Account clearing account opening method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN112037051B (en) |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115145587A (en) * | 2022-07-22 | 2022-10-04 | 中国农业银行股份有限公司 | Product parameter checking method and device, electronic equipment and storage medium |
| CN115904674A (en) * | 2023-03-10 | 2023-04-04 | 深圳华锐分布式技术股份有限公司 | Clearing task execution method, device, equipment and medium for intelligent parallel processing |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| RU2109335C1 (en) * | 1997-06-18 | 1998-04-20 | Общество с ограниченной ответственностью "Научно-производственное объединение "Алькор" Академии Естественных Наук РФ | Stock exchange market automation process and device |
| CN107403376A (en) * | 2017-07-07 | 2017-11-28 | 上海壹账通金融科技有限公司 | Liquidation method, equipment and computer-readable recording medium on line |
| CN109146444A (en) * | 2018-08-31 | 2019-01-04 | 阿里巴巴集团控股有限公司 | Virtual account creation method and device, account information update method and device |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20090240632A1 (en) * | 2008-03-20 | 2009-09-24 | Joseph Michael Cunningham | Method and apparatus for monitoring a brokerage account |
-
2020
- 2020-09-11 CN CN202010955426.8A patent/CN112037051B/en active Active
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| RU2109335C1 (en) * | 1997-06-18 | 1998-04-20 | Общество с ограниченной ответственностью "Научно-производственное объединение "Алькор" Академии Естественных Наук РФ | Stock exchange market automation process and device |
| CN107403376A (en) * | 2017-07-07 | 2017-11-28 | 上海壹账通金融科技有限公司 | Liquidation method, equipment and computer-readable recording medium on line |
| CN109146444A (en) * | 2018-08-31 | 2019-01-04 | 阿里巴巴集团控股有限公司 | Virtual account creation method and device, account information update method and device |
Non-Patent Citations (1)
| Title |
|---|
| 跨行清算系统搭建电子支付"高速路";谢晓晨;;金融电子化(第10期);全文 * |
Also Published As
| Publication number | Publication date |
|---|---|
| CN112037051A (en) | 2020-12-04 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10540209B2 (en) | Event-driven blockchain workflow processing | |
| US9961181B2 (en) | Systems and methods for customizing mobile applications based upon user associations with one or more entities | |
| US8943124B2 (en) | Systems and methods for customizing mobile applications based upon user associations with one or more entities | |
| CN112037051B (en) | Account clearing account opening method and device | |
| US11915704B2 (en) | System and method for software application extensions | |
| US11341494B2 (en) | Dynamic security code authorization verification service | |
| WO2009100132A1 (en) | Methods and systems for establishing investment accounts associated with presentation instruments | |
| JP7104184B2 (en) | Remote EMV payment application | |
| CN104753909A (en) | Updated information authentication method, device and system | |
| CN105930179A (en) | Method and apparatus for upgrading transaction terminal | |
| US20200364372A1 (en) | Processing System Using Natural Language Processing For Performing Dataset Filtering and Sanitization | |
| EP3362968A1 (en) | Adaptable messaging | |
| US11379191B2 (en) | Presentation oriented rules-based technical architecture display framework | |
| US20190114639A1 (en) | Anomaly detection in data transactions | |
| EP3016050A1 (en) | System and method for handling a payment link | |
| US20230068468A1 (en) | Systems and methods for conducting transactions using a surrogate pin | |
| WO2023091082A1 (en) | Methods and systems for transaction processing using a blockchain | |
| US9342541B1 (en) | Presentation oriented rules-based technical architecture display framework (PORTRAY) | |
| CN109460226B (en) | Test certificate image generation method, device, equipment and storage medium | |
| CN110799967A (en) | Multi-card overlay display | |
| CN110910222B (en) | Block chain-based commodity customizing method, device and system | |
| CN102402433A (en) | Model, operation and implementation separation | |
| US11544215B2 (en) | System, method, and computer program product for generating a file structure | |
| CN110992172B (en) | Offline payment method, device and storage medium | |
| CN112308570B (en) | Method and device for generating business rule output value |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |