CN104021628A - Method and device for processing data - Google Patents
Method and device for processing data Download PDFInfo
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- CN104021628A CN104021628A CN201410282951.2A CN201410282951A CN104021628A CN 104021628 A CN104021628 A CN 104021628A CN 201410282951 A CN201410282951 A CN 201410282951A CN 104021628 A CN104021628 A CN 104021628A
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Abstract
The invention provides a method and a device for processing data. After terminal identification, card identification and a first amount are obtained, a target account is determined according to the terminal identification from accounts associated with the card identification; if the balance of the target account is not smaller than the first amount, the balance of the target account is updated according to the first amount; as an association relation between the card identification of a payment card and the target account for payment by virtue of a terminal of a specified commercial tenant is predetermined, the technical problem of single function of the payment card in the prior art is solved, a consumer does not need to carry the prepaid cards of different commercial tenants and bankcards any more, and the degree of convenience of payment is increased.
Description
Technical field
The present invention relates to infotech, relate in particular to a kind of data processing method and device.
Background technology
Along with the development of infotech, the cashless payment mode of various employing Payment Cards also emerges in an endless stream.Except the mode that this Payment Card of bank card of common employing pays, also can adopt another kind of Payment Card is that the prepaid card that trade company issues pays.Wherein, the use procedure of prepaid card is: consumer pre-pays the cash of certain number in trade company, obtains the prepaid card of this trade company's distribution, while transaction, can only not rely in cash this to be stuck in advance payment and pay in this trade company.
Different from the mode that adopts bank card to pay, the prepaid card of each trade company distribution is only used in self trade company and pays, when do not have trade company to issue prepaid card time, also need to adopt bank card to pay, therefore, all there is the problem of function singleness in various Payment Card of the prior art, causes consumer conventionally need to carry prepaid card and the bank card of each trade company, and it is not convenient to pay.
Summary of the invention
The invention provides a kind of data processing method and device, for solving the technical matters that prior art payment card functions is single.
One aspect of the present invention is to provide a kind of data processing method, comprising:
Obtain terminal iidentification, card mark and the first number;
In the each account associated with described card mark, determine target account according to described terminal iidentification; Described target account be designated described terminal iidentification;
If the remaining sum of described target account is not less than described the first number, according to described the first number, the remaining sum of described target account is upgraded.
Another aspect of the present invention is to provide a kind of data processing equipment, comprising:
Obtain module, for obtaining terminal iidentification, card mark and the first number;
Determination module, for the each account associated with described card mark, determines target account according to described terminal iidentification; Described target account be designated described terminal iidentification;
The first update module, if be not less than described the first number for the remaining sum of described target account, upgrades the remaining sum of described target account according to described the first number.
Data processing method provided by the invention and device, by obtaining terminal iidentification, after card mark and the first number, in the each account associated with this card mark, determine target account according to this terminal iidentification, if the remaining sum of target account is not less than the first number, according to the first number, the remaining sum of target account is upgraded, due to the incidence relation having preset between the card mark of Payment Card and target account for paying in the terminal of appointment trade company, solve the technical matters that payment card functions of the prior art is single, avoid consumer to carry prepaid card and the bank card of each trade company, improve the convenient degree that pays.
Brief description of the drawings
The schematic flow sheet of a kind of data processing method that Fig. 1 provides for one embodiment of the invention;
The schematic flow sheet of a kind of data processing method that Fig. 2 provides for another embodiment of the present invention;
The structural representation of a kind of data processing equipment that Fig. 3 provides for one embodiment of the invention;
The structural representation of a kind of data processing equipment that Fig. 4 provides for another embodiment of the present invention.
Embodiment
The schematic flow sheet of a kind of data processing method that Fig. 1 provides for one embodiment of the invention, the method that the present embodiment provides can be carried out by server, as shown in Figure 1, comprising:
101, obtain terminal iidentification, card mark and the first number.
Wherein, the terminal that the first number is trade company is to the required number of reducing of the remaining sum in Payment Card; Terminal iidentification is the mark of the terminal of trade company; Card mark is the mark of Payment Card.
Optionally, receive and reduce request, described in the request of reducing comprise described card mark, described terminal iidentification and described the first number; Request, obtain described terminal iidentification, described card mark and described the first number from described reducing.
Or, optional, receive the request of reducing in batches, the request of reducing of described batch comprises described card list, described terminal iidentification and described the first number; Described card list comprises described card mark; Reduce and request, obtain described terminal iidentification, described card mark and described the first number from described batch.
102, in the each account associated with described card mark, determine target account according to described terminal iidentification.
Wherein, between the mark of described target account and described terminal iidentification, there is corresponding relation.Described target account, associated with card mark, the account of the remaining sum of Payment Card being reduced for described merchant tenninal.
Optionally, in the each account associated with described card mark, according to the corresponding relation between the mark of account and terminal iidentification, determine the target account that described terminal is corresponding.
Further, before 102, receive in advance update request, wherein, described update request is used to indicate according to the second number to be upgraded the remaining sum of described target account; Calculate remaining sum and the described second number sum of described target account, obtain the second total value; Be described the second total value by the balance updates of described target account.
It should be noted that, this preset strategy can be set objectives account in Payment Card time, holds the user-selected fixed strategy of described Payment Card from multiple optional strategies.For example: when selected strategy is for full 500 while returning 100, if the second number is greater than 500, calculate remaining sum and the described second number sum of described target account, obtain the second total value, further, be increased in the remaining sum of preassigned award account 100, generally, this award account is different from target account.
If the remaining sum of 103 described target account is not less than described the first number, according to described the first number, the remaining sum of described target account is upgraded.
Further, if the remaining sum of described target account is less than described the first number, the remaining sum in described target account is reduced to signing account, and the difference in the payment account associated with described Payment Card is reduced to signing account; Described difference is remaining sum poor of described the first number and described target account; Described payment account comprises current account.Wherein, signing account is the account associated with described terminal iidentification, due to opening an account of this signing account this trade company by name, therefore, is also designated as the signing account of trade company.
A nearlyer step, in the time that the establishing time of described target account exceedes the default consumption time limit, reduces the remaining sum in described target account to signing account.In prior art, prepaid card in use, need consumer to pre-pay the cash of certain number in trade company, after obtaining prepaid card, could conclude the business in this trade company, tend to occur because the reason of trade company aspect is brought loss to consumer, therefore, prepaid card safety in utilization is poor, in the present embodiment, by the account of setting objectives in consumer's Payment Card, only in the time consuming and exceed the default consumption time limit, just the remaining sum in target account is reduced to the signing account of described trade company, that is to say that now trade company can obtain the corresponding amount of money, therefore, improve prepaid card safety in utilization.
In the present embodiment, by obtaining terminal iidentification, after card mark and the first number, in the each account associated with this card mark, determine target account according to this terminal iidentification, if the remaining sum of target account is not less than the first number, according to the first number, the remaining sum of target account is upgraded, due to the incidence relation having preset between the card mark of Payment Card and target account for paying in the terminal of appointment trade company, solve the technical matters that payment card functions of the prior art is single, avoid consumer to carry prepaid card and the bank card of each trade company, improve the convenient degree that pays.
The schematic flow sheet of a kind of data processing method that Fig. 2 provides for another embodiment of the present invention, the method that the present embodiment provides can be carried out by server, as shown in Figure 2, comprising:
201, receive update request.
Wherein, according to the second number, the remaining sum of described target account is upgraded.Target account, associated with card mark, be to be used to specify the account that the terminal of trade company is reduced the remaining sum of Payment Card.
Optionally, in the time that consumer need to supplement with money target account, by all kinds of means target account is supplemented with money to operation in sales counter or Web bank etc., in the time that counter terminal or Web bank's server are carried out this and are supplemented operation with money, send this update request, thereby server is carried out the step that receives this update request.
Or, optionally, when consumer obtains the accreditation of trade company, after other Payment Cards that use is different from the Payment Card of the account of setting objectives pay, can upgrade the remaining sum of target account by sales counter or merchant tenninal, in the time that counter terminal or Web bank's server are carried out this renewal operation, send this update request, thereby server is carried out the step that receives this update request, the remaining sum of target account is reduced to the payment amount that other Payment Cards of use carry out, and this payment amount is increased in the remaining sum of above-mentioned other Payment Cards.
202,, according to update request, the remaining sum of target account is upgraded.
Wherein, update request is used to indicate according to the second number the remaining sum of described target account is upgraded.
Optionally, in the remaining sum of described target account, increase indicated described the second number of update request.
203, receive the request of reducing.
Wherein, the request of reducing comprises described card mark, described terminal iidentification and described the first number.
Optionally, in the time that consumer consumes in trade company, adopt Payment Card to pay, after merchant tenninal is swiped the card, read card mark.Generate and reduce request according to card mark, described terminal iidentification and the first number to be paid, and send this and reduce request.
204, in the each account associated with described card mark, determine target account according to described terminal iidentification.
Optionally, in a Payment Card, can have multiple accounts, receive and be dealt into while reducing request, according to described card mark and described terminal iidentification in the request of reducing, in the each account associated with the card mark of reducing request instruction, inquiry obtains target account.Between the mark of described target account and described terminal iidentification, there is corresponding relation.
Whether the remaining sum that 205, judges target account is not less than the first number in the request of reducing, and if so, carries out 206, otherwise carries out 207.
If the remaining sum of 206 described target account is not less than described the first number, according to described the first number, the remaining sum of described target account is upgraded.
Optionally, if the remaining sum of described target account is not less than described the first number, described the first number in described target account is reduced to the signing account of described transaction terminal.Concrete, calculate the poor of the remaining sum of described target account and described the first number, obtain difference, be described difference by the balance updates of described target account, then determine the signing account associated with described terminal iidentification, calculate remaining sum and the described first number sum of described signing account, obtain the first total value, be described the first total value by the balance updates of described signing account, optionally, after the balance updates of described signing account is described the first total value, can also comprises in the remaining sum from upgrading and deducting a commission.
If the remaining sum of 207 described target account is less than described the first number, be zero by the balance updates in described target account, in the each account associated with described card mark, determine payment account, according to difference, the remaining sum of described payment account is upgraded.
Wherein, difference is remaining sum poor of described the first number and described target account; Described payment account comprises at least one in specified account and current account.
Optionally, when payment account comprises specified account and current account etc., can set up priority to these payment accounts, according to the height of priority, reduce successively, for example, when current account priority is during higher than specified account, after the remaining sum in described target account being reduced to the signing account of described trade company, preferentially utilize current account to pay difference, if Sorry, your ticket has not enough value for current account, can not pay whole difference, so that utilize specified account to current account in difference not part payment pay.
In the present embodiment, by obtaining terminal iidentification, after card mark and the first number, in the each account associated with this card mark, determine target account according to this terminal iidentification, if the remaining sum of target account is not less than the first number, according to the first number, the remaining sum of target account is upgraded, due to the incidence relation having preset between the card mark of Payment Card and target account for paying in the terminal of appointment trade company, solve the technical matters that payment card functions of the prior art is single, avoid consumer to carry prepaid card and the bank card of each trade company, improve the convenient degree that pays.
The structural representation of a kind of data processing equipment that Fig. 3 provides for one embodiment of the invention, as shown in Figure 3, comprising: obtain module 31, determination module 32 and the first update module 33.
Obtain module 31, for obtaining terminal iidentification, card mark and the first number.
Wherein, the terminal that the first number is used to indicate trade company is to the required number of reducing of the remaining sum of Payment Card.
Optionally, obtain module 31, reduce request specifically for receiving, described in the request of reducing comprise described card mark, described terminal iidentification and described the first number; Request, obtain described terminal iidentification, described card mark and described the first number from described reducing.
Or optional, obtain module 31, specifically for receiving the request of reducing in batches, the request of reducing of described batch comprises described card list, described terminal iidentification and described the first number; Described card list comprises described card mark; Reduce and request, obtain described terminal iidentification, described card mark and described the first number from described batch.
Determination module 32, is connected with acquisition module 31, for the each account associated with described card mark, determines target account according to described terminal iidentification.
Wherein, between the mark of described target account and described terminal iidentification, having corresponding relation, is to be used to specify the account that the terminal of trade company is reduced the remaining sum of Payment Card.
The first update module 33, is connected with determination module 32, if be not less than described the first number for the remaining sum of described target account, according to described the first number, the remaining sum of described target account is upgraded.
Described the first update module 33, specifically for calculating the poor of the remaining sum of described target account and described the first number, obtains difference; Be described difference by the balance updates of described target account.
Further, if the first update module 33 is also less than described the first number for the remaining sum of described target account, be zero by the balance updates in described target account, in the each account associated with described card mark, determine payment account, according to difference, the remaining sum of described payment account is upgraded.Wherein, difference is remaining sum poor of described the first number and described target account; Described payment account comprises at least one in specified account and current account.
In the present embodiment, by obtaining terminal iidentification, after card mark and the first number, in the each account associated with this card mark, determine target account according to this terminal iidentification, if the remaining sum of target account is not less than the first number, according to the first number, the remaining sum of target account is upgraded, due to the incidence relation having preset between the card mark of Payment Card and target account for paying in the terminal of appointment trade company, solve the technical matters that payment card functions of the prior art is single, avoid consumer to carry prepaid card and the bank card of each trade company, improve the convenient degree that pays.
The structural representation of a kind of data processing equipment that Fig. 4 provides for another embodiment of the present invention, as shown in Figure 4, on the basis of a upper embodiment, the data processing equipment in the present embodiment further comprises: the second update module 41.
The second update module 41, is connected with determination module 32, for determining the signing account associated with described terminal iidentification; Calculate remaining sum and the described first number sum of described signing account, obtain the first total value; Be described the first total value by the balance updates of described signing account.
Based on obtaining module 31, also for receiving update request, described update request is used to indicate according to the second number to be upgraded the remaining sum of described target account.
The device in the present embodiment, also comprises:
The 3rd update module 42, and is connected based on obtaining module 31 and determination module 32, for calculating remaining sum and the described second number sum of described target account, and acquisition the second total value; Be described the second total value by the balance updates of described target account.
In the present embodiment, by obtaining terminal iidentification, after card mark and the first number, in the each account associated with this card mark, determine target account according to this terminal iidentification, if the remaining sum of target account is not less than the first number, according to the first number, the remaining sum of target account is upgraded, due to the incidence relation having preset between the card mark of Payment Card and target account for paying in the terminal of appointment trade company, solve the technical matters that payment card functions of the prior art is single, avoid consumer to carry prepaid card and the bank card of each trade company, improve the convenient degree that pays.
One of ordinary skill in the art will appreciate that: all or part of step that realizes above-mentioned each embodiment of the method can complete by the relevant hardware of programmed instruction.Aforesaid program can be stored in a computer read/write memory medium.This program, in the time carrying out, is carried out the step that comprises above-mentioned each embodiment of the method; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CDs.
Finally it should be noted that: above each embodiment, only in order to technical scheme of the present invention to be described, is not intended to limit; Although the present invention is had been described in detail with reference to aforementioned each embodiment, those of ordinary skill in the art is to be understood that: its technical scheme that still can record aforementioned each embodiment is modified, or some or all of technical characterictic is wherein equal to replacement; And these amendments or replacement do not make the essence of appropriate technical solution depart from the scope of various embodiments of the present invention technical scheme.
Claims (10)
1. a data processing method, is characterized in that, comprising:
Obtain terminal iidentification, card mark and the first number;
In the each account associated with described card mark, determine target account according to described terminal iidentification; Between the mark of described target account and described terminal iidentification, there is corresponding relation;
If the remaining sum of described target account is not less than described the first number, according to described the first number, the remaining sum of described target account is upgraded.
2. data processing method according to claim 1, is characterized in that, described according to described the first number, the remaining sum of described target account is upgraded after, also comprise:
Determine the signing account associated with described terminal iidentification;
Calculate remaining sum and the described first number sum of described signing account, obtain the first total value;
Be described the first total value by the balance updates of described signing account.
3. data processing method according to claim 1, is characterized in that, describedly according to described the first number, the remaining sum of described target account is upgraded, and comprising:
Calculate the poor of the remaining sum of described target account and described the first number, obtain difference;
Be described difference by the balance updates of described target account.
4. data processing method according to claim 1, is characterized in that, described acquisition terminal iidentification, card mark and the first number, comprising:
Request is reduced in reception, described in the request of reducing comprise described card mark, described terminal iidentification and described the first number;
Request, obtain described terminal iidentification, described card mark and described the first number from described reducing.
5. data processing method according to claim 1, is characterized in that, described acquisition terminal iidentification, card mark and the first number, comprising:
Receive the request of reducing in batches, the request of reducing of described batch comprises described card list, described terminal iidentification and described the first number; Described card list comprises described card mark;
Reduce and request, obtain described terminal iidentification, described card mark and described the first number from described batch.
6. according to the data processing method described in claim 1-5 any one, it is characterized in that, described method, also comprises:
Receive update request, described update request is used to indicate according to the second number to be upgraded the remaining sum of described target account;
Calculate remaining sum and the described second number sum of described target account, obtain the second total value;
Be described the second total value by the balance updates of described target account.
7. a data processing equipment, is characterized in that, comprising:
Obtain module, for obtaining terminal iidentification, card mark and the first number;
Determination module, for the each account associated with described card mark, determines target account according to described terminal iidentification; Between the mark of described target account and described terminal iidentification, there is corresponding relation;
The first update module, if be not less than described the first number for the remaining sum of described target account, upgrades the remaining sum of described target account according to described the first number.
8. data processing equipment according to claim 7, is characterized in that, described device also comprises:
The second update module, for determining the signing account associated with described terminal iidentification; Calculate remaining sum and the described first number sum of described signing account, obtain the first total value; Be described the first total value by the balance updates of described signing account.
9. data processing equipment according to claim 7, is characterized in that,
Described the first update module, specifically for calculating the poor of the remaining sum of described target account and described the first number, obtains difference; Be described difference by the balance updates of described target account;
Described acquisition module, reduces request specifically for receiving, described in the request of reducing comprise described card mark, described terminal iidentification and described the first number; Request, obtain described terminal iidentification, described card mark and described the first number from described reducing;
Or described acquisition module, specifically for receiving the request of reducing in batches, the request of reducing of described batch comprises described card list, described terminal iidentification and described the first number; Described card list comprises described card mark; Reduce and request, obtain described terminal iidentification, described card mark and described the first number from described batch.
10. according to the data processing equipment described in claim 7-9 any one, it is characterized in that,
Described acquisition module, also for receiving update request, described update request is used to indicate according to the second number to be upgraded the remaining sum of described target account;
Described device, also comprises:
The 3rd update module, for calculating remaining sum and the described second number sum of described target account, obtains the second total value; Be described the second total value by the balance updates of described target account.
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| CN201410282951.2A CN104021628B (en) | 2014-06-23 | 2014-06-23 | Data processing method and device |
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| CN104021628B (en) | 2017-04-05 |
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