CN108346095A - Management-control method, device, equipment and the computer readable storage medium of association system - Google Patents
Management-control method, device, equipment and the computer readable storage medium of association system Download PDFInfo
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- CN108346095A CN108346095A CN201810131500.7A CN201810131500A CN108346095A CN 108346095 A CN108346095 A CN 108346095A CN 201810131500 A CN201810131500 A CN 201810131500A CN 108346095 A CN108346095 A CN 108346095A
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- Prior art keywords
- bank
- association system
- user
- account
- association
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/23—Updating
- G06F16/2379—Updates performed during online database operations; commit processing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/24—Querying
- G06F16/245—Query processing
- G06F16/2455—Query execution
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/24—Querying
- G06F16/248—Presentation of query results
Abstract
The present invention discloses a kind of management-control method of association system, device, equipment and computer readable storage medium, the method includes：When receiving logging request of the user to association system, user information entrained in logging request is determined；According to the user information, determines user's each bank account bound in association system, the bank which is belonged to is set as target bank；The product information of association system Zhong Ge targets bank is called, and includes on the display interface of association system by each product information.The product of multiple banks is integrated in association system by this programme by establishing association system.When user logs on to association system, each bank account that user binds in association system is determined, the product by the belonged to target bank of each bank account includes in association system.It realizes that association system shows the product promotion of multiple access banks, avoids each bank from developing independent banking system, reduce the operation cost of each bank.
Description
Technical field
The invention mainly relates to communication transmission technology fields, specifically, being related to a kind of management-control method of association system, dress
It sets, equipment and computer readable storage medium.
Background technology
With the increase of banking style, quantity in the market, the type that bank may be selected in user is also more and more, and for side
Just user uses, increases the competitive advantage of bank, and each bank can all develop independent banking system, with product that it is released into
Row display is promoted.But develop autonomous system and need the human cost that spends and time cost higher, it is also necessary to consider test at
The factors such as this and maintenance cost and security and stability；For the bank of scale is smaller, its opposite profit of operation, exploitation is independently
System is required of high cost, can not be shown with the popularization for being realized with a low cost bank product.
Invention content
The main object of the present invention is to provide a kind of management-control method of association system, device, equipment and computer-readable deposits
Storage media, it is intended to solve in the prior art scale is smaller bank can not be realized with a low cost bank product popularization displaying ask
Topic.
To achieve the above object, the present invention provides a kind of management-control method of association system, the management and control side of the association system
Method includes the following steps：
When receiving logging request of the user to association system, user information entrained in logging request is determined；
According to the user information, user's each bank account bound in association system is determined, by each bank's account
The bank that family is belonged to is set as target bank；
The product information of association system Zhong Ge targets bank is called, and includes in association system by each product information
On display interface.
Preferably, described when receiving logging request of the user to association system, it determines in logging request entrained
Include before the step of user information：
When receiving the access request of access association system, the first prompt letter is sent to bank corresponding to access request
Breath, to prompt the bank to upload its user's system and product system, wherein user's system is had the use of all users by bank
Family information, product system are had the product information of all products by bank；
User's system and product system that bank is uploaded based on the first prompt message are received, association system is updated.
Preferably, described according to the user information, determine user's each bank account bound in association system
Step includes：
The identification card number in the user information is read, by the body of the identification card number and the association system
Part passport NO. library is matched, to judge silver of the user corresponding with the user information in association system with the presence or absence of binding
Row account；
If user has the bank account of binding in association system, user's each silver bound in association system is obtained
Row account；
If user is in association system, there is no the bank accounts of binding, and binding silver is exported to the display interface of association system
Second prompt message of row account.
Preferably, it is described to the display interface of association system export binding bank account the second prompt message the step of it
After include：
When receiving user based on binding bank account operation transmitted by the second prompt message, binding bank account is obtained
Received bank account in the operation of family, and the bank to be verified that the bank account received described in determination is belonged to；
It determines whether association system accesses bank to be verified, when association system accesses bank to be verified, judges bank's account
The bindings success at family；
When association system does not access bank to be verified, the bindings failure of bank account is judged, and prompt to replace silver
Row account is bound.
It is preferably, described that by each product information to include on the display interface of association system all include after step：
The historical information of user's bought pre-set product in target bank is obtained, and determines in association system and believes with history
Cease associated product；
Obtain related product related product information, by the related product presentation of information association system display interface
On, to recommend to user.
Preferably, the management-control method of the association system is further comprising the steps of：
When receiving the upgrade command of association system, the belonged to bank of each bank account bound in association system is established
Data interchange channel between default bank；
The association request that bank account is sent is received, determines the default silver of target corresponding with association request in default bank
Row；
Bank account is preset bank with target to be associated with, and belongs to target to bank account distribution and presets the virtual of bank
Account.
Preferably, described belonged to after the step of target presets the virtual account of bank to bank account distribution includes：
When receiving the transactional operation of virtual account, it is based on data interchange channel, the corresponding data of transactional operation are passed
It is defeated to arrive ownership bank.
In addition, to achieve the above object, the present invention also proposes a kind of control device of association system, the association system
Control device includes：
Receiving module, it is entrained in logging request for when receiving logging request of the user to association system, determining
User information；
Determining module, for according to the user information, determining user's each bank account bound in association system,
The bank that each bank account is belonged to is set as target bank；
Calling module, the product information for calling association system Zhong Ge targets bank, and each product information is shown
Show on the display interface of association system.
In addition, to achieve the above object, the present invention also proposes a kind of management and control devices of association system, the association system
Management and control devices include：The management and control journey of memory, processor, communication bus and the association system being stored on the memory
Sequence；
The communication bus is for realizing the connection communication between processor and memory；
The processor is used to execute the management and control program of the association system, to realize following steps：
When receiving logging request of the user to association system, user information entrained in logging request is determined；
According to the user information, user's each bank account bound in association system is determined, by each bank's account
The bank that family is belonged to is set as target bank；
The product information of association system Zhong Ge targets bank is called, and includes in association system by each product information
On display interface.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Storage medium storage there are one either more than one program the one or more programs can by one or one with
On processor execute for：
When receiving logging request of the user to association system, user information entrained in logging request is determined；
According to the user information, user's each bank account bound in association system is determined, by each bank's account
The bank that family is belonged to is set as target bank；
The product information of association system Zhong Ge targets bank is called, and includes in association system by each product information
On display interface.
The management-control method of the association system of the present embodiment is determined when receiving logging request of the user to association system
Entrained user information in logging request；According to this user information, user each bank bound in association system is determined
The bank that this each bank account is belonged to is set as target bank by account；Call the product letter of association system Zhong Ge targets bank
Breath, includes on the display interface of association system by each product information.This programme accesses the connection of multiple banking systems by establishing
Collaboration is united, and the product of this multiple bank is integrated in association system.When user logs on in association system, this use is determined
Each bank account of the family bound in association system, the product information by the belonged to target bank of each bank account includes combining
In the display interface of system.It realizes that association system shows the product promotion of multiple access banks, avoids each bank's exploitation only
Vertical banking system reduces the operation cost of each bank.
Description of the drawings
Fig. 1 is the flow diagram of the management-control method first embodiment of the association system of the present invention；
Fig. 2 is the flow diagram of the management-control method second embodiment of the association system of the present invention；
Fig. 3 is the flow diagram of the management-control method 3rd embodiment of the association system of the present invention；
Fig. 4 is the high-level schematic functional block diagram of the control device first embodiment of the association system of the present invention；
Fig. 5 is the device structure schematic diagram for the hardware running environment that present invention method is related to；
Fig. 6 is the data flow schematic diagram of one embodiment of management-control method of the association system of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of management-control method of association system.
Fig. 1 is please referred to, Fig. 1 is the flow diagram of the management-control method first embodiment of association system of the present invention.In this reality
It applies in example, the management-control method of the association system includes：
Step S10 determines user entrained in logging request when receiving logging request of the user to association system
Information；
The association system of the present embodiment is the association system established for each middle and small scale bank, middle and small scale bank Shen
Association system please be linked into, and its product system and user's body are fastened and pass to association system, by association system to medium and small rule
User's system of mould bank is managed, and is shown popularization to its product system.During the bank wherein accessed is not limited to
Small-scale bank can also be directed to the large bank for having access demand, without limitation.And user can be by registering association system
Account Logon to association system, the product of accessed middle and small scale bank in association system is checked or is operated.Specifically
Ground determines user information entrained in logging request when receiving logging request of the user to association system.User is stepping on
Register account number is needed before record association system, address name, identification card number, the account number etc. that when register account number is filled in
Information is user information；Logging request is sent out by the account registered when login, login can be obtained according to this register account number
The entrained user information of request.So as to the operation behavior that can be carried out in association system according to user information, inquiry user.Cause
Association system is for accessing other banks, if to pass through user information, it is known that the bank of the had bank account of user is
It is linked into the bank of association system, then remaining sum can such as be checked to this bank account by association system, transfer accounts, buy reason
The operations such as property product；And if user does not have the bank account for accessing any one bank in association system, it will be connect
The homepage face for entering bank, is shown on the display interface of association system, is checked for user in turn.
Step S20 determines user's each bank account bound in association system, by this according to the user information
The bank that each bank account is belonged to is set as target bank；
Further, after user information entrained in determining logging request, the identification card number in user information
To characterize the number of user identity uniqueness, bank account possessed by user can be inquired by this identification card number；And lead to
The account number crossed in user information can determine in bank account possessed by user with bank's account bound in association system
Family.Because bank account possessed by user is there may be multiple, may only have part bank account to be returned in multiple bank accounts
The bank of category is integrated into association system, and in the bank accessed, user may only be bundled with the bank account of part bank again,
The bank that bank account is belonged to by this part is set as target bank, and the wherein bank of deposit where bank account is bank's account
The bank that family is belonged to.Such as tetra- bank accounts of user has A, B, C, D, and four bank accounts belong to four differences
Bank, the bank that B, C, D bank account are belonged to is integrated into association system, i.e. association system can belong to B, C, D
User's system of three banks is managed, and is shown to its product system.And according to user information, determine that user is joining
Bound each bank account is C, D in collaboration system, to set bank c, d that this C bank account and D bank accounts are belonged to
For target bank.By determining the target bank of bank account bound in user, facilitate user can be to the bank in target bank
Account carries out inquiry into balance, the operations such as transfer accounts.
Step S30 calls the product information of association system Zhong Ge targets bank, and includes joining by each product information
On the display interface of collaboration system.
Further, because of the target bank of bank account bound in user, to best embody the bank of user demand, from
And after determining target bank, the product information of this target bank is called from association system, includes joining by each product information
On the display interface of collaboration system, user is facilitated to check the product of target bank.Product information is to be produced from target bank
The information such as each finance product or loan product in product system may include additionally notice bulletin of target bank etc., because of target
Bank, can be in a manner of showing when being shown to product information, notice bulletin there may be more families in turn, can also
In a manner of being displayed side by side.It, can be within a certain period of time to the product of c targets bank, notice, bulletin such as above-mentioned target bank c, d
Etc. being shown, and the product of d targets bank, notice, bulletin etc. are shown within another time.It can also be in same a period of time
Between multi-section display is carried out to the product of c, d target bank, notice, bulletin, one piece of region of screen shows the interior of c targets bank
Hold, and another region shows the content of d targets bank.No matter show in which form, setting bank is required in display interface
Account portals button, user by click bank account entrance button can enter its bank account interface, for user into
Row inquiry into balance, the operations such as transfer accounts.
The management-control method of the association system of the present embodiment is determined when receiving logging request of the user to association system
Entrained user information in logging request；According to this user information, user each bank bound in association system is determined
The bank that this each bank account is belonged to is set as target bank by account；Call the product letter of association system Zhong Ge targets bank
Breath, includes on the display interface of association system by each product information.This programme accesses the connection of multiple banking systems by establishing
Collaboration is united, and the product of this multiple bank is integrated in association system.When user logs on in association system, this use is determined
Each bank account of the family bound in association system, the product information by the belonged to target bank of each bank account includes combining
In the display interface of system.It realizes that association system shows the product promotion of multiple access banks, avoids each bank's exploitation only
Vertical banking system reduces the operation cost of each bank.
Further, Fig. 2 is please referred to, on the basis of the management-control method first embodiment of association system of the present invention, is proposed
The management-control method second embodiment of association system of the present invention, it is in a second embodiment, described to receive user to association system
Logging request when, include before the step of determining in logging request entrained user information：
Step S40 sends first when receiving the access request of access association system to bank corresponding to access request
Prompt message, to prompt the bank to upload its user's system and product system, wherein user's system has institute useful by bank
The user information at family, product system are had the product information of all products by bank；
Further, single bank can be by way of sending access request to association system, and request is linked into joint system
System.When receiving the access request of this access association system, the first prompt message is sent to bank corresponding to access request, with
The bank is prompted to upload its user's system and product system.Wherein user's system is that savings, loan etc. possessed by bank are all
The user information set of user, product system are then the product information set of all products such as financing, loan possessed by bank.
User's system and product system are uploaded to association system by the bank of access, are managed to it by association system, are avoided list
A independent development system of bank.In addition it in order to ensure the interests between association system and the bank of access association system, can set
The fixed authentication mechanism to access bank qualification.When receiving the access request of bank's transmission, to the silver of this transmission access request
Row is verified, determine area where bank, bank the information such as cash on hand, the management state of bank.Only when bank
When management state is good, just determine its have access association system qualification, with ensure association system and accessed bank it
Between interests.
Step S50 receives bank the user's system and product system that are uploaded based on the first prompt message, to association system into
Row update.
Further, when initiating access request, there is the bank of access association system demand, receiving upload user body
After first prompt message of system and product system, its user's system and product system are uploaded based on this first prompt message.On
User's system of biography is the various types data of all users and all users that bank has, such as the storage of each user
It records, record of transferring accounts, the product purchased record etc. carried out in the bank.Product system is then released including the bank all
The various information of product and each product, such as each product institute target user, the purchase unit price of product, sales figure, remainder
Amount etc..It, will be with this user's system and product system institute after the user's system and product system that association system is connected to this upload
Access bank of the corresponding bank as access association system, is updated possessed access bank in association system.It examines
Consider bank user's system and product system subsequently exist update the case where, such as increase new user or put out a new product or
Existing product is upgraded, in order to timely update to this user's system and product system, for being linked into the silver of association system
The follow-up real-time upload mechanism of row setting.Ought access in the bank of association system has new user or puts out a new product or to original
When thering is product to be upgraded, trigger in real time upload, by the user newly increased, the product newly released or upgrading product it is real-time on
Association system is passed to, its account is operated in time by association system or other existing customers first to Add User
Time knows the information of newly-increased product or new upgrading products.
And in view of the bank accessed in association system is numerous, it needs to distinguish each access bank, to carry out
When user's system and product system carry out upgrading update, corresponding access bank is determined.Distinguishing can be carried out by numbering, for access
Bank distribute its number for characterizing its uniqueness, each product in each user and product system in user's system is taken
With this number.Subsequently in the real-time upload of the new user information or new product information that carry out bank, uploaded to this needs
Bank's reference numeral is added automatically in new user information or new product information.Each bank data of storage is provided in association system
Database determines corresponding bank in association system when uploading in real time by number, will be in new user information and new product information
It passes in association system and corresponds to the database of bank, to be updated to the database for corresponding to bank in association system.
It is further, described according to the user information in another embodiment of management-control method of association system of the present invention,
The step of determining user's each bank account bound in association system include：
Step S21 reads the identification card number in the user information, and the identification card number is combined with described
The identification card number library of system is matched, to judge that user corresponding with the user information whether there is in association system
The bank account of binding；
According to user information, bank's account in association system with the presence or absence of binding with user corresponding to user information is judged
Family；
Understandably, the user of not all registration association system, can bind bank account and association system,
To in the mistake for according to user information, determining each bank account bound in association system of user corresponding to this user information
Cheng Zhong needs to judge bank account of this user in association system with the presence or absence of binding.And the identity that bindings pass through user
Passport NO. binds the account that bank account possessed by user and user are registered in association system, in association system
It is provided with identification card number library, for carrying out the user of account binding with association system, identification card number is stored in
In this identity document library.The identification card number in user information is read, by the identification card number and association system of this reading
Identification card number library carry out comparison matching, judge in this identification card number library with the presence or absence of this reading identity card piece number
Code judges bank account of the user with this identification card number in association system with the presence or absence of binding.
Step S22 obtains user and is tied up in association system if user has the bank account of binding in association system
Fixed each bank account；
When judge in identification card number library there are this read identification card number when, i.e., explanation have this identity card
There is the bank account of binding in the user of piece number code, user can be by association system to the bank bound in it in association system
Account is checked.User's each bank account bound in association system is obtained, similarly because bindings are by user
The account that possessed bank account and user are registered in association system is bound, to be in joint by detecting user
Bank account bound in account of uniting, you can obtain bound each bank account.And then each mesh is determined according to each bank account
Standard silver row, and include on the display interface of association system, to facilitate user to check by the homepage face of this each target bank.
Step S23, if the bank account of binding is not present in association system by user, the display interface to association system is defeated
Go out to bind the second prompt message of bank account.
And when judging that the identification card number of this reading is not present in identification card number library, i.e., explanation has this body
Bound bank account is not present in the user of part passport NO. in association system, and user can not be by association system to its institute
The bank account having is checked, and can only check content shown on association system display interface.In order to facilitate user
Its bank account is checked, the present embodiment exports the second prompt letter of binding bank account to the display interface of association system
Breath, so that user is according to the binding of the second prompt message progress bank account.In addition the bank that association system is accessed is considered
It may be mismatched with bank account possessed by user, to further include after the step of exporting the second prompt message：
Step S24, when receive user based on transmitted by the second prompt message binding bank account operation when, acquisition is tied up
Determine bank account received in bank account operation, and the silver to be verified that the bank account received described in determination is belonged to
Row；
Understandably, second prompt message of the user according to display interface can carry out bank account bindings
Its bank account for needing to bind is inputted to reality interface, but the bank that the bank account of user demand binding is belonged to may
Not yet it is linked into association system.User's tying up based on the binding bank account transmitted by this second prompt message is received to work as
When operating surely, the bank belonged to the bank account inputted during user's bindings is needed to be determined, to judge this
Whether the bank belonged to is the bank accessed in association system.Specifically, user is based on the second prompt message and carries out bank's account
When family is bound, input user needs the bank account numbers bound, and reads this bank account numbers, determines its silver belonged to
Row, the bank that it is belonged to is as bank to be verified.
Step S25, determines whether association system accesses bank to be verified, when association system accesses bank to be verified, sentences
Determine the bindings success of bank account；
Further, after determining the bank to be verified that bank account is belonged to, determine whether association system has accessed this
Bank to be verified, i.e., bank to be verified whether there is in the bank that association system is accessed.When association system accessed it is to be tested
Bank is demonstrate,proved, then it is the active account in association system, the bindings of bank account to illustrate that user needs the bank account bound
Success.If bank to be verified is M3, and the bank accessed in association system includes M1, M2, M3 and M4, at this time bank to be verified
M3 exists in the bank accessed with association system, to judge that user needs the bank account M3 bound in association system
Active account, the bindings success of bank account.
Step S26 judges the bindings failure of bank account when association system does not access bank to be verified, and carries
Show that replacing bank account is bound.
And when judging not access bank to be verified in association system, then illustrate that user needs the bank account bound still
It is not linked into association system, is not the active account in association system.To judge the bindings failure of bank account,
And it prompts user to replace bank account and binds.If if above-mentioned bank to be verified is M6, connect with association system because M6 is not present
In bank M1, M2, M3 and M4 for entering, then judge that bindings fail, and replacement bank account is prompted to be bound.Wherein prompt
When prompted according to the bank accessed in association system, as prompt user may be selected replace access in M1, M2, M3 or M4
The arbitrary bank account of one of bank carries out bindings.
Further, Fig. 3 is please referred to, on the basis of the management-control method second embodiment of association system of the present invention, is proposed
The management-control method 3rd embodiment of association system of the present invention, in the third embodiment, it is described by each product information include
All step includes later on the display interface of association system：
Step S60 obtains the historical information of user's bought pre-set product in target bank, and determines in association system
With the associated product of historical information；
Further, the target bank product presentation of information belonged in the bank account for binding user is in association system
Display interface on after, in order to better meet user demand, user's bought pre-set product in target bank can be obtained
Historical information, and determined and the associated product of historical information from association system.Historical information includes user in institute of target bank
The pre-set product type bought, the time of purchase；Include then positive incidence, reverse correlation two with the associated product of historical information
A aspect.Positive incidence for by the presumable user of the bought pre-set product of historical information may demand purchase other products,
If user bought compulsory insurance for traffic accident of motor-drivenvehicle in historical information, then the product of its positive incidence may be vehicle damage danger；Or it is used in historical information
The insurance products of family purchase will expire, then the product of its positive incidence is insurance products identical with this insurance product type.
Reverse correlation is to buy other products that the presumable user of pre-set product may not be needed purchase, such as history by historical information element
User has purchased A class finance products in information, then its reverse correlation is finance product identical with A class finance product types.It is logical
It crosses and determines the possessed and associated product of historical information in association system, preferably to be recommended.
Step S70 obtains the related product information of related product, by the related product presentation of information in association system
On display interface, to recommend to user.
Further, in determining association system the pass of this related product is obtained with after the associated product of historical information
Joint product information, and by this related product presentation of information on the display interface of association system, to recommend to user.Because closing
Included positive incidence is for embodying user demand in joint product, and reverse correlation then embodies not needing for user, to this
Recommend operation only in the product of positive incidence, obtain such as current favor information of this positive incidence product, it is minimum rise purchase volume,
The product informations such as the advantage of product are recommended it will be shown on display interface to user, to meet user demand.
Further, in another embodiment of management-control method of association system of the present invention, the management and control side of the association system
Method is further comprising the steps of：
Step S80 establishes each bank account institute bound in association system when receiving the upgrade command of association system
Belong to the data interchange channel between bank and default bank；
Further, it is contemplated that user location environment is different, bank bussiness hall or ATM machine possessed by varying environment
Type differ, do not lead to the bank card that user has and bank bussiness hall or ATM machine type that environment where it has not
Match, it is understood that there may be the problem of service charge or other reduction user experiences is collected in cross-bank withdrawal.And in order to avoid problems,
The present embodiment establishes data interchange channel between the ownership bank and default bank of each bank account bound in association system,
Default bank is to pre-set to select associated bank for user.This data interchange channel can be generalized to market in association system
It establishes, can also be established when subsequently upgrading to association system when being used, bank and pre- can be belonged to by calling
If the communication interface of bank is realized.The communication interface data that calls will be needed to be arranged in the upgrading data of association system, when connecing
When receiving the upgrade command of association system, the communication interface data that the needs wherein carried call is obtained, to carry out association system
The foundation in data interchange channel between the belonged to bank of each bank account of middle binding and default bank, it is logical by this data interchange
Realize transmission of the data between ownership bank and default bank in road.
Step S90 receives the association request that bank account is sent, and determines target corresponding with association request in default bank
Default bank；
After establishing the data interchange channel between ownership bank and default bank, user can be by sending association request
A certain default bank in its bank account and default bank is associated, using this certain default bank as target
Default bank.Specifically, user is received based on the association request transmitted by its bank account, and when sending, user needs to close to it
The default bank of connection, i.e. target preset bank and are indicated, the target indicated is preset bank and is added in association request.From
And when receiving association request, wherein included target is read from association request and presets bank, this target presets bank
For one of default bank, that is, determines in default bank and preset bank with the target corresponding to association request.
Bank account is preset bank with target and is associated with, and belonged to target to bank account distribution and preset by step S100
The virtual account of bank.
After determining that target presets bank, the bank account of user is preset into bank with this target and is associated with, in association
Before, although the data interchange channel between each ownership bank and default bank is established, for a user, because it does not have mesh
Mark presets the account of bank, to which its bank account data in ownership bank still cannot preset bank's intercommunication with target.And
After association, the virtual account that target presets bank is belonged to bank account distribution, makes user that there is target to preset bank
Virtual account, and this virtual account is associated with the original bank account of user.Realize the data of original bank account in virtual account
Between intercommunication, realized to the withdrawal of original bank account, the operations such as transfer accounts by virtual account.
Further, described to return to bank account distribution in another embodiment of management-control method of association system of the present invention
Belonging to the step of target presets the virtual account of bank includes later：
Step S110 is based on data interchange channel, transactional operation is corresponded to when receiving the transactional operation of virtual account
Data transmission to ownership bank.
Further, after distributing virtual account to bank account, user can be can be realized by virtual account to silver
The operation of row account, such as by carrying out reservation withdrawal, barcode scanning withdrawal by virtual account in association system.When detecting void
When the register of quasi- account, because virtual account is associated with the bank account of user, to pass through data interchange channel, you can obtain
The corresponding data of bank account are taken, such as the account balance in bank account.When user carries out reservation withdrawal by virtual account, and
When withdraw the money operation to the default bank of the corresponding target of virtual account, corresponding transactional operation can be generated and upload to joint system
System.When receiving the transactional operation of this virtual account, data interchange channel is based on by the corresponding data transmission of this transactional operation
To ownership bank.Fig. 6 is please referred to, is belonged to mutual by the data of association system 102 between bank 101 and the default bank 103 of target
Circulation passage realizes the transmission of data, such as withdraws the money 500 yuan, then takes this when user presets bank 103 by virtual account in target
The data that 500 yuan of money correspond to silver by data interchange channel transfer to ownership bank 101, ownership bank 101 to this virtual account
The account balance of row account is updated.By establishing data interchange channel in association system, by the bank account of user with
Default bank is associated, and realizes the transactional operation between different bank, facilitates customer transaction, promotes user experience.
In addition, please referring to Fig. 4, the present invention provides a kind of control device of association system, in the pipe of association system of the present invention
It controls in device first embodiment, the control device of the association system includes：
Receiving module 10, for when receiving logging request of the user to association system, determining in logging request and being taken
The user information of band；
Determining module 20, for according to the user information, determining user's each bank's account bound in association system
The bank that each bank account is belonged to is set as target bank by family；
Calling module 30, the product information for calling association system Zhong Ge targets bank, and by each product information
It is shown on the display interface of association system.
The control device of the association system of the present embodiment asks the login of association system when receiving module 10 receives user
When asking, user information entrained in logging request is determined；According to this user information, determining module 20 determines that user is in joint
Bound each bank account, target bank is set as by the bank that this each bank account is belonged in system；Calling module 30 calls
The product information of association system Zhong Ge targets bank, includes on the display interface of association system by each product information.This programme
The association system that multiple banking systems are accessed by establishing, the product of this multiple bank is integrated in association system.When with
When family is logged on in association system, determines each bank account of this user bound in association system, each bank account is returned
The product information for belonging to target bank is shown in the display interface of association system.Realize production of the association system to multiple access banks
Product promote display, avoid each bank from developing independent banking system, reduce the operation cost of each bank.
With reference to Fig. 5, Fig. 5 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The management and control devices of association system of the embodiment of the present invention can be PC, can also be smart mobile phone, tablet computer, electronics
The terminal devices such as book reader, pocket computer.
As shown in figure 5, the management and control devices of the association system may include：Processor 1001, such as CPU, memory 1005,
Communication bus 1002.Wherein, communication bus 1002 is for realizing the connection communication between processor 1001 and memory 1005.It deposits
Reservoir 1005 can be high-speed RAM memory, can also be stable memory (non-volatile memory), such as magnetic
Disk storage.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
Optionally, the management and control devices of the association system can also include user interface, network interface, camera, RF
(Radio Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi module etc..User interface may include display
Shield (Display), input unit such as keyboard (Keyboard), optional user interface can also include standard wireline interface,
Wireless interface.Network interface may include optionally standard wireline interface and wireless interface (such as WI-FI interface).
It will be understood by those skilled in the art that the management and control devices structure of association system shown in Fig. 5 does not constitute distich
The restriction of the management and control devices of collaboration system may include either combining certain components or not than illustrating more or fewer components
Same component arrangement.
As shown in figure 5, as may include that operating system, network are logical in a kind of memory 1005 of computer storage media
Believe module and the management and control program of association system.Operating system is the management and control devices hardware and software of management and control association system
The program of resource supports the management and control program of association system and the operation of other softwares and/or program.Network communication module is used for
Realize the communication between each component in the inside of memory 1005, and with other hardware and softwares in the management and control devices of association system it
Between communicate.
In the management and control devices of association system shown in Fig. 5, processor 1001 is used to execute to store in memory 1005
The management and control program of association system, to realize that the management-control method of above-mentioned association system, the management and control devices of association system of the present invention are specific
Embodiment and each embodiment of management-control method of above-mentioned association system are essentially identical, and details are not described herein.
The present invention provides a kind of computer readable storage medium, the computer-readable recording medium storage there are one or
More than one program of person, the one or more programs can also be executed by one or more than one processor with
In the management-control method for realizing above-mentioned association system, computer readable storage medium specific implementation mode of the present invention combines system with above-mentioned
Each embodiment of management-control method of system is essentially identical, and details are not described herein.
It should also be noted that, herein, the terms "include", "comprise" or its any other variant are intended to non-
It is exclusive to include, so that process, method, article or device including a series of elements include not only those elements,
But also include other elements that are not explicitly listed, or further include solid by this process, method, article or device
Some elements.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including
There is also other identical elements in the process of the element, method, article or device.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server or network equipment etc.) execute method described in each embodiment of the present invention.
The foregoing is merely the preferred embodiment of the present invention, are not intended to limit the scope of the invention, every at this
Under the design of invention, using equivalent structure transformation made by description of the invention and accompanying drawing content, or directly/it is used in it indirectly
His relevant technical field is included in the scope of patent protection of the present invention.
Claims (10)
1. a kind of management-control method of association system, which is characterized in that the management-control method of the association system includes the following steps：
When receiving logging request of the user to association system, user information entrained in logging request is determined；
According to the user information, user's each bank account bound in association system is determined, by each bank account institute
The bank of ownership is set as target bank；
The product information of association system Zhong Ge targets bank is called, and includes the display in association system by each product information
On interface.
2. the management-control method of association system as described in claim 1, which is characterized in that described to receive user's distich collaboration
When the logging request of system, include before the step of determining in logging request entrained user information：
When receiving the access request of access association system, the first prompt message is sent to bank corresponding to access request, with
The bank is prompted to upload its user's system and product system, wherein user's system by bank there is the user of all users to believe
Breath, product system are had the product information of all products by bank；
User's system and product system that bank is uploaded based on the first prompt message are received, association system is updated.
3. the management-control method of association system as described in claim 1, which is characterized in that it is described according to the user information, really
The step of determining user's each bank account bound in association system include：
The identification card number in the user information is read, by the identity card of the identification card number and the association system
Piece number code library is matched, to judge bank account of the user corresponding with the user information in association system with the presence or absence of binding
Family；
If user has the bank account of binding in association system, user's each bank's account bound in association system is obtained
Family；
If user is in association system, there is no the bank accounts of binding, and binding bank account is exported to the display interface of association system
Second prompt message at family.
4. the management-control method of association system as claimed in claim 3, which is characterized in that the display interface to association system
Include after the step of second prompt message of output binding bank account：
When receive user based on transmitted by the second prompt message binding bank account operation when, obtain binding bank account behaviour
Received bank account in work, and the bank to be verified that the bank account received described in determination is belonged to；
It determines whether association system accesses bank to be verified, when association system accesses bank to be verified, judges bank account
Bindings success；
When association system does not access bank to be verified, the bindings failure of bank account is judged, and prompt to replace bank's account
It is bound at family.
5. the management-control method of association system according to any one of claims 1-4, which is characterized in that described by each product
Presentation of information includes after the step on the display interface of association system：
The historical information of user's bought pre-set product in target bank is obtained, and determines in association system and is closed with historical information
The product of connection；
The related product information for obtaining related product, by the related product presentation of information on the display interface of association system,
To recommend to user.
6. the management-control method of association system according to any one of claims 1-4, which is characterized in that the pipe of the association system
Prosecutor method is further comprising the steps of：
When receiving the upgrade command of association system, establish the belonged to bank of each bank account bound in association system with it is pre-
If the data interchange channel between bank；
The association request that bank account is sent is received, determines that target corresponding with association request presets bank in default bank；
Bank account is preset bank with target to be associated with, and the virtual account that target presets bank is belonged to bank account distribution
Family.
7. the management-control method of association system as claimed in claim 6, which is characterized in that described to be belonged to bank account distribution
Include after the step of virtual account of the default bank of target：
When receiving the transactional operation of virtual account, it is based on data interchange channel, the corresponding data transmission of transactional operation is arrived
Belong to bank.
8. a kind of control device of association system, which is characterized in that the control device of the association system includes：
Receiving module, for when receiving logging request of the user to association system, determining use entrained in logging request
Family information；
Determining module, for according to the user information, user's each bank account bound in association system being determined, by this
The bank that each bank account is belonged to is set as target bank；
Calling module, the product information for calling association system Zhong Ge targets bank, and by each product information include
On the display interface of association system.
9. a kind of management and control devices of association system, which is characterized in that the management and control devices of the association system include：Memory, place
Manage the management and control program of device, communication bus and the association system being stored on the memory；
The communication bus is for realizing the connection communication between processor and memory；
The processor is used to execute the management and control program of the association system, to realize as described in any one of claim 1-7
Association system management-control method the step of.
10. a kind of computer readable storage medium, which is characterized in that the computer class is read to be stored with joint system on storage medium
The management and control program of system is realized when the management and control program of the association system is executed by processor such as any one of claim 1-7 institutes
The step of management-control method for the association system stated.
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| CN108346095B (en) | 2021-02-05 |
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