CN108346095B - Management and control method, device and equipment of combined system and computer readable storage medium - Google Patents
Management and control method, device and equipment of combined system and computer readable storage medium Download PDFInfo
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- CN108346095B CN108346095B CN201810131500.7A CN201810131500A CN108346095B CN 108346095 B CN108346095 B CN 108346095B CN 201810131500 A CN201810131500 A CN 201810131500A CN 108346095 B CN108346095 B CN 108346095B
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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 invention discloses a control method, a device, equipment and a computer readable storage medium of a combined system, wherein the method comprises the following steps: when a login request of a user to the combined system is received, determining user information carried in the login request; determining bank accounts bound by the user in the combined system according to the user information, and setting the bank to which the bank accounts belong as a target bank; and calling product information of each target bank in the combined system, and displaying the product information on a display interface of the combined system. According to the scheme, the united system is established, and products of a plurality of banks are integrated in the united system. When the user logs in the combined system, determining each bank account bound by the user in the combined system, and displaying products of a target bank to which each bank account belongs in the combined system. The promotion and display of a plurality of products accessed into the bank by the combined system are realized, the development of independent bank systems by each bank is avoided, and the operation cost of each bank is reduced.
Description
Technical Field
The present invention relates to the field of communication transmission technologies, and in particular, to a method, an apparatus, a device, and a computer-readable storage medium for managing and controlling a combined system.
Background
Along with the increase of bank types and quantity in the market, the types of banks which can be selected by users are more and more, and in order to facilitate the use of the users and increase the competitive advantages of the banks, each bank can develop an independent bank system so as to display and popularize products released by the bank system. However, the cost of manpower and time required for developing the independent system is high, and the factors such as test cost, maintenance cost, safety and stability and the like need to be considered; for banks with smaller scale, compared with the operation profits of the banks, the cost required for developing an independent system is high, and the popularization and display of bank products cannot be realized at low cost.
Disclosure of Invention
The invention mainly aims to provide a management and control method, a management and control device, equipment and a computer readable storage medium of a combined system, and aims to solve the problem that banks with smaller scales in the prior art cannot realize popularization and display of bank products at low cost.
In order to achieve the above object, the present invention provides a method for managing and controlling a combined system, including the following steps:
when a login request of a user to the combined system is received, determining user information carried in the login request;
determining bank accounts bound by the user in the combined system according to the user information, and setting the bank to which the bank accounts belong as a target bank;
and calling product information of each target bank in the combined system, and displaying the product information on a display interface of the combined system.
Preferably, when a login request of a user to the federated system is received, the step of determining user information carried in the login request includes:
when an access request for accessing the combined system is received, first prompt information is sent to a bank corresponding to the access request to prompt the bank to upload a user system and a product system of the bank, wherein the user system is user information of all users of the bank, and the product system is product information of all products of the bank;
and the receiving bank updates the combined system based on the user system and the product system uploaded by the first prompt message.
Preferably, the step of determining, according to the user information, each bank account bound by the user in the federated system includes:
reading the identity document number in the user information, and matching the identity document number with an identity document number library of the combined system to judge whether a user corresponding to the user information has a bound bank account in the combined system;
if the user has a bound bank account in the combined system, acquiring each bank account bound in the combined system by the user;
and if the user does not have the bound bank account in the combined system, outputting second prompt information of the bound bank account to a display interface of the combined system.
Preferably, the step of outputting the second prompt message of the bound bank account to the display interface of the federated system is followed by:
when receiving bank account binding operation sent by a user based on second prompt information, acquiring a bank account received in the bank account binding operation, and determining a bank to be verified to which the received bank account belongs;
determining whether the combined system is accessed to a bank to be verified, and judging that the binding operation of the bank account is successful when the combined system is accessed to the bank to be verified;
and when the combined system does not access the bank to be verified, judging that the binding operation of the bank account fails, and prompting the bank account to be replaced for binding.
Preferably, the step of displaying each of the product information on a display interface of the integrated system is followed by the step of:
acquiring historical information of a preset product purchased by a user in a target bank, and determining a product associated with the historical information in the combined system;
and acquiring related product information of related products, and displaying the related product information on a display interface of the combined system so as to recommend the related product information to a user.
Preferably, the management and control method of the combined system further includes the following steps:
when an upgrading instruction of the combined system is received, establishing a data intercommunication channel between a bank to which each bank account bound in the combined system belongs and a preset bank;
receiving an association request sent by a bank account, and determining a target preset bank corresponding to the association request in preset banks;
and associating the bank account with the target preset bank, and allocating a virtual account belonging to the target preset bank to the bank account.
Preferably, the step of allocating a virtual account belonging to the target preset bank to the bank account is followed by:
and when the transaction operation of the virtual account is received, transmitting data corresponding to the transaction operation to the home bank based on the data intercommunication channel.
In addition, in order to achieve the above object, the present invention further provides a management and control apparatus of a combined system, including:
the system comprises a receiving module, a judging module and a judging module, wherein the receiving module is used for determining user information carried in a login request when the login request of a user to the combined system is received;
the determining module is used for determining each bank account bound by the user in the combined system according to the user information and setting the bank to which each bank account belongs as a target bank;
and the calling module is used for calling the product information of each target bank in the combined system and displaying the product information on a display interface of the combined system.
In addition, in order to achieve the above object, the present invention further provides a management and control device of a combined system, where the management and control device of the combined system includes: a memory, a processor, a communication bus, and a hypervisor of a federated system stored on the memory;
the communication bus is used for realizing connection communication between the processor and the memory;
the processor is used for executing a management and control program of the combined system to realize the following steps:
when a login request of a user to the combined system is received, determining user information carried in the login request;
determining bank accounts bound by the user in the combined system according to the user information, and setting the bank to which the bank accounts belong as a target bank;
and calling product information of each target bank in the combined system, and displaying the product information on a display interface of the combined system.
Further, to achieve the above object, the present invention also provides a computer-readable storage medium storing one or more programs, the one or more programs being executable by one or more processors for:
when a login request of a user to the combined system is received, determining user information carried in the login request;
determining bank accounts bound by the user in the combined system according to the user information, and setting the bank to which the bank accounts belong as a target bank;
and calling product information of each target bank in the combined system, and displaying the product information on a display interface of the combined system.
According to the management and control method of the combined system, when a login request of a user to the combined system is received, user information carried in the login request is determined; determining bank accounts bound by the user in the combined system according to the user information, and setting the bank to which the bank accounts belong as a target bank; and calling the product information of each target bank in the combined system, and displaying the product information on a display interface of the combined system. The scheme integrates the products of a plurality of banks into the combined system by establishing the combined system accessed into a plurality of bank systems. When a user logs in the combined system, determining each bank account bound by the user in the combined system, and displaying product information of a target bank to which each bank account belongs in a display interface of the combined system. The promotion and display of a plurality of products accessed into the bank by the combined system are realized, the development of independent bank systems by each bank is avoided, and the operation cost of each bank is reduced.
Drawings
FIG. 1 is a schematic flow chart diagram illustrating a first embodiment of a management and control method of a federated system in accordance with the present invention;
FIG. 2 is a flowchart illustrating a second embodiment of a management and control method of the federated system of the present invention;
FIG. 3 is a flowchart illustrating a third embodiment of a management and control method of the federated system of the present invention;
FIG. 4 is a functional block diagram of a first embodiment of a management and control apparatus of the federated system of the present invention;
FIG. 5 is a schematic diagram of an apparatus architecture of a hardware operating environment to which a method of an embodiment of the invention relates;
fig. 6 is a schematic data flow diagram illustrating an embodiment of a management and control method of a federated system according to the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The invention provides a management and control method of a combined system.
Referring to fig. 1, fig. 1 is a flowchart illustrating a control method of a combined system according to a first embodiment of the present invention. In this embodiment, the method for managing and controlling the combined system includes:
step S10, when a login request of a user to the combined system is received, determining user information carried in the login request;
the combined system of the embodiment is a combined system established for each small and medium-scale bank, the small and medium-scale bank applies for accessing the combined system, uploads a product system and a user system of the combined system to the combined system, manages the user system of the small and medium-scale bank through the combined system, and displays and popularizes the product system. The accessed bank is not limited to a small-scale bank, and can also be a large-scale bank with access requirements without limitation. And the user can log in the combined system by registering the account of the combined system, and check or operate the products of the small and medium-sized banks accessed in the combined system. Specifically, when a login request of a user to the combined system is received, user information carried in the login request is determined. A user needs to register an account before logging in the combined system, and information such as a user name, an identity document number, an account number and the like filled in when the account is registered is user information; and sending a login request through the registered account during login, and acquiring user information carried by the login request according to the registered account. So as to inquire the operation behavior which can be performed by the user in the combined system according to the user information. Because the combined system is used for accessing other banks, if the bank with the bank account of the user is known to be the bank accessed to the combined system through the user information, the combined system can perform operations such as balance checking, account transferring, financial product purchasing and the like on the bank account; and if the user does not have the bank account of any bank accessed in the combined system, the home page of the accessed bank is displayed on the display interface of the combined system in turn for the user to check.
Step S20, according to the user information, determining each bank account bound by the user in the combined system, and setting the bank to which each bank account belongs as a target bank;
further, after the user information carried in the login request is determined, the identity document number in the user information is a number representing the uniqueness of the user identity, and the bank account of the user can be inquired through the identity document number; and the bank account bound with the joint system in the bank accounts owned by the user can be determined through the account number in the user information. The bank accounts of the user may be multiple, only the bank to which a part of the bank accounts belong in the multiple bank accounts is accessed to the combined system, and in the accessed bank, the user may only bind the bank accounts of the part of the bank, the bank to which the part of the bank accounts belong is set as a target bank, wherein the bank where the bank account belongs to is the bank to which the bank account belongs. If the user has A, B, C, D four bank accounts, and the four bank accounts belong to four different banks, the bank to which B, C, D bank accounts belong has access to the combined system, that is, the combined system can manage the user system of the three banks to which B, C, D belongs, and display the product system of the user system. And determining that each bank account bound by the user in the combined system is C, D according to the user information, thereby setting the banks C and D to which the bank account C and the bank account D belong as target banks. By determining the target bank of the bank account bound by the user, the user can conveniently perform operations such as balance inquiry, account transfer and the like on the bank account in the target bank.
And step S30, calling product information of each target bank in the combined system, and displaying the product information on a display interface of the combined system.
Furthermore, the target bank of the bank account bound by the user is the bank which can reflect the user requirements most, so that after the target bank is determined, the product information of the target bank is called from the combined system, the product information is displayed on the display interface of the combined system, and the user can check the products of the target bank conveniently. The product information is information from various financial products or loan products in a target bank product system, and the like, and can also comprise notification announcements and the like of the target bank. As described above, the target banks c and d can display the products, notifications, announcements, etc. of the target bank c in a certain time period, and display the products, notifications, announcements, etc. of the target bank d in another time period. The products, notices and announcements of the c target bank and the d target bank can be displayed in a partition mode at the same time, one area of the screen displays the content of the c target bank, and the other area displays the content of the d target bank. No matter what type of display is adopted, a bank account entrance button needs to be arranged in the display interface, and a user can enter the bank account interface by clicking the bank account entrance button so as to carry out operations such as balance inquiry, account transfer and the like.
According to the management and control method of the combined system, when a login request of a user to the combined system is received, user information carried in the login request is determined; determining bank accounts bound by the user in the combined system according to the user information, and setting the bank to which the bank accounts belong as a target bank; and calling the product information of each target bank in the combined system, and displaying the product information on a display interface of the combined system. The scheme integrates the products of a plurality of banks into the combined system by establishing the combined system accessed into a plurality of bank systems. When a user logs in the combined system, determining each bank account bound by the user in the combined system, and displaying product information of a target bank to which each bank account belongs in a display interface of the combined system. The promotion and display of a plurality of products accessed into the bank by the combined system are realized, the development of independent bank systems by each bank is avoided, and the operation cost of each bank is reduced.
Further, referring to fig. 2, on the basis of the first embodiment of the management and control method of the federated system of the present invention, a second embodiment of the management and control method of the federated system of the present invention is provided, in the second embodiment, when receiving a login request from a user to the federated system, the step of determining the user information carried in the login request includes:
step S40, when receiving an access request for accessing the combined system, sending a first prompt message to the bank corresponding to the access request to prompt the bank to upload a user system and a product system thereof, wherein the user system is the user information of all users of the bank, and the product system is the product information of all products of the bank;
further, a single bank may request access to the federated system by sending an access request to the federated system. When receiving an access request of the access combination system, sending first prompt information to a bank corresponding to the access request to prompt the bank to upload a user system and a product system of the bank. The user system is the user information set of all users such as savings, loan and the like of the bank, and the product system is the product information set of all products such as financing, loan and the like of the bank. The accessed bank uploads the user system and the product system to the combined system, and the user system and the product system are managed through the combined system, so that a single bank is prevented from developing the system independently. In addition, in order to guarantee the benefit between the united system and the bank accessing the united system, a verification mechanism for the qualification of the accessed bank can be set. When receiving an access request sent by a bank, the bank sending the access request is verified, and information such as the area where the bank is located, the cash in stock of the bank, the operating condition of the bank and the like is determined. Only when the bank is in good condition, it is determined that it has the qualification of accessing the joint system, so as to ensure the benefit between the joint system and the accessed bank.
And step S50, the receiving bank updates the combined system based on the user system and the product system uploaded by the first prompt message.
Furthermore, when an access request is initiated, a bank having a requirement for accessing the combined system uploads the user system and the product system based on the first prompt information after receiving the first prompt information for uploading the user system and the product system. The uploaded user system is all users owned by the bank, and various types of data of all users, such as a stored record of each user, a record of money transfer, a record of product purchases made at the bank, and the like. The product system includes all the products released by the bank and various information of each product, such as the applicable people of each product, the purchase unit price, the sales record, the remaining amount, etc. After the combined system receives the uploaded user system and product system, the bank corresponding to the user system and product system is used as an access bank for accessing the combined system, and the access bank in the combined system is updated. Considering the situation that the user system and the product system of the bank have subsequent updating, such as adding a new user, launching a new product, or upgrading an original product, a subsequent real-time uploading mechanism is set for the bank accessed to the combined system in order to update the user system and the product system in time. When a new user exists in a bank accessed to the combined system, or a new product is released, or an original product is upgraded, real-time uploading is triggered, and the newly added user, the newly released product, or the upgraded product is uploaded to the combined system in real time, so that the newly added user can timely operate the account of the newly added user through the combined system, or other existing users can know information of the newly added product or the newly upgraded product at the first time.
Considering that many banks are accessed in the combined system, each accessed bank needs to be distinguished, so that when the user system and the product system are updated, the corresponding accessed bank is determined. The identification can be carried out through a number, a number representing the uniqueness of the bank is distributed to the accessed bank, and each user in the user system and each product in the product system carry the number. And subsequently, when the new user information or the new product information of the bank is uploaded in real time, automatically adding the corresponding bank number to the new user information or the new product information to be uploaded. The combined system is provided with a database for storing data of each bank, a corresponding bank in the combined system is determined through the serial number during real-time uploading, and the new user information and the new product information are uploaded to the database of the corresponding bank in the combined system so as to update the database of the corresponding bank in the combined system.
Further, in another embodiment of the management and control method of the federated system according to the present invention, the step of determining, according to the user information, each bank account bound to the user in the federated system includes:
step S21, reading the ID card number in the user information, matching the ID card number with the ID card number library of the united system, to judge whether the user corresponding to the user information has a bank account in the united system;
judging whether a bank account bound with a user corresponding to the user information exists in the combined system or not according to the user information;
understandably, not all users who register the combined system bind the bank accounts with the combined system, so that in the process of determining the bank accounts bound in the combined system by the user corresponding to the user information according to the user information, whether the bound bank accounts exist in the combined system by the user needs to be judged. And the binding operation binds the bank account of the user and the account registered by the user in the combined system through the identity document number of the user, an identity document number library is arranged in the combined system, and the identity document number of the user bound with the combined system is stored in the identity document library. Reading the ID card number in the user information, comparing and matching the read ID card number with the ID card number library of the combined system, and judging whether the read ID card number exists in the ID card number library, namely judging whether the user with the ID card number has a bound bank account in the combined system.
Step S22, if the user has a bank account in the combined system, acquiring each bank account in the combined system;
when the read identity document number exists in the identity document number library, the fact that the bank account bound to the user with the identity document number exists in the combined system is indicated, and the user can check the bank account bound to the user through the combined system. And acquiring all the bank accounts bound by the user in the combined system, wherein the same binding operation is to bind the bank account owned by the user with the account registered by the user in the combined system, so that the bound bank accounts can be acquired by detecting the bank account bound by the user in the combined system. And then, determining each target bank according to each bank account, and displaying the home page of each target bank on a display interface of the combined system so as to facilitate the user to check.
And step S23, if the user does not have the bound bank account in the combined system, outputting second prompt information of the bound bank account to a display interface of the combined system.
When the read identity document number does not exist in the identity document number library, the fact that the user with the identity document number does not have a bound bank account in the combined system is indicated, the user cannot check the bank account through the combined system, and only the content displayed on a display interface of the combined system can be checked. In order to facilitate the user to check the bank account, the embodiment outputs second prompt information for binding the bank account to the display interface of the federated system, so that the user binds the bank account according to the second prompt information. In addition, considering that the bank accessed by the joint system may not match with the bank account possessed by the user, the method further comprises the following steps after the step of outputting the second prompting message:
step S24, when receiving the bank account binding operation sent by the user based on the second prompt message, acquiring the received bank account in the bank account binding operation, and determining the bank to be verified to which the received bank account belongs;
understandably, the user can perform the bank account binding operation according to the second prompt information displayed on the display interface to input the bank account to be bound to the real interface, but the bank to which the bank account required to be bound belongs may not be accessed to the combined system. Therefore, when the binding operation of binding the bank account sent by the user based on the second prompt message is received, the bank to which the bank account input in the user binding operation process belongs needs to be determined so as to judge whether the bank to which the bank belongs is the bank accessed in the combined system. Specifically, when the user binds the bank account based on the second prompt information, the user inputs the bank account number to be bound, reads the bank account number, determines the bank to which the user belongs, and takes the bank to which the user belongs as the bank to be verified.
Step S25, determining whether the combined system is accessed to the bank to be verified, and when the combined system is accessed to the bank to be verified, judging that the binding operation of the bank account is successful;
further, after determining the bank to be verified to which the bank account belongs, it is determined whether the joint system accesses the bank to be verified, that is, whether the bank to be verified exists in the bank to which the joint system accesses. When the combined system accesses a bank to be verified, it indicates that the bank account to be bound by the user is an effective account in the combined system, and the binding operation of the bank account is successful. If the bank to be verified is M3, and the bank accessed in the combined system includes M1, M2, M3 and M4, at this time, the bank to be verified M3 exists in the bank accessed in the combined system, so that it is determined that the bank account M3 that the user needs to bind is a valid account in the combined system, and the binding operation of the bank account is successful.
And step S26, when the combined system does not access the bank to be verified, judging that the binding operation of the bank account fails, and prompting to replace the bank account for binding.
And when the bank to be verified is judged not to be accessed in the combined system, the bank account which the user needs to bind is not accessed in the combined system, and the bank account is not an effective account in the combined system. Therefore, the binding operation failure of the bank account is judged, and the user is prompted to change the bank account for binding. If the bank behavior to be verified is M6, as the M6 does not exist in the banks M1, M2, M3 and M4 accessed to the combined system, it is determined that the binding operation fails, and the bank account is prompted to be replaced for binding. When prompting, prompting is carried out according to the bank accessed in the combined system, for example, a user is prompted to select to replace any bank account of one of the banks accessed in M1, M2, M3 or M4 for binding operation.
Further, referring to fig. 3, on the basis of the second embodiment of the management and control method of the integrated system of the present invention, a third embodiment of the management and control method of the integrated system of the present invention is provided, and in the third embodiment, after the step of displaying each of the product information on the display interface of the integrated system, the method includes:
step S60, acquiring historical information of preset products purchased by a user in a target bank, and determining products related to the historical information in the combined system;
further, after the target bank product information to which the bank account bound by the user belongs is displayed on a display interface of the combined system, in order to better meet the user requirements, historical information of preset products purchased in the target bank by the user can be acquired, and products related to the historical information are determined from the combined system. The historical information comprises the type of a preset product purchased by a user at a target bank and the purchasing time; the product associated with the historical information comprises two aspects of forward association and backward association. The forward association is other products which can be speculatively purchased by a user according to preset products purchased by the historical information, and if the user purchases a strong insurance in the historical information, the forward associated products can be vehicle damage insurance; or the insurance product purchased by the user in the history information is about to expire, the product positively associated with the user is the same type of insurance product as the insurance product. The reverse association is other products that the user who can speculatively purchase the preset product by the history pheromone may not need to purchase, for example, if the user purchases the A-type financial product in the history information, the reverse association is the same type of financial product as the A-type financial product. By determining the products which are associated with the historical information and exist in the combined system, the recommendation can be better carried out.
And step S70, acquiring the associated product information of the associated product, and displaying the associated product information on a display interface of the combined system so as to recommend the associated product information to the user.
Further, after determining the products associated with the history information in the joint system, acquiring the associated product information of the associated products, and displaying the associated product information on a display interface of the joint system to recommend the products to the user. Because the forward correlation included in the associated product is used for reflecting the user requirement, and the reverse correlation reflects the user's unnecessary, the recommendation operation only aims at the forward correlated product, obtains the product information of the forward correlated product, such as the current preferential information, the minimum purchase amount, the product advantage and the like, displays the product information on a display interface, and recommends the product to the user so as to meet the user requirement.
Further, in another embodiment of the management and control method of the integrated system of the present invention, the management and control method of the integrated system further includes the following steps:
step S80, when receiving the upgrade order of the united system, establishing the data intercommunication channel between the bank to which each bank account is bound and the preset bank in the united system;
further, considering that the environments of the areas where the users are located are different, and the types of the bank business halls or the ATMs in different environments are different, the types of the bank cards of the users and the types of the bank business halls or the ATMs in the environments where the users are located are not matched, and the problems of collecting commission fees through withdrawing money from banks or reducing user experience may exist. In order to avoid such problems, in this embodiment, a data communication channel is established between the home bank of each bank account bound in the association system and a preset bank, where the preset bank is a bank preset for the user to select association. The data intercommunication channel can be established when the combined system is popularized to the market for use, and also can be established when the combined system is upgraded in the follow-up process, and the data intercommunication channel can be realized by calling communication interfaces of the home bank and the preset bank. The communication interface data needing to be called are set in the upgrading data of the combined system, when an upgrading instruction of the combined system is received, the communication interface data needing to be called carried in the upgrading data are obtained, so that a data intercommunication channel between a bank to which each bank account bound in the combined system belongs and a preset bank is established, and data are transmitted between the home bank and the preset bank through the data intercommunication channel.
Step S90, receiving an association request sent by a bank account, and determining a target preset bank corresponding to the association request in preset banks;
after a data intercommunication channel between the home bank and the preset bank is established, the user can associate the bank account of the user with a certain preset bank in the preset bank by sending an association request, and the certain preset bank is taken as a target preset bank. Specifically, an association request sent by a user based on a bank account of the user is received, the user indicates a preset bank which the user needs to associate with when sending the association request, namely a target preset bank, and the target preset bank indicated by the user is added to the association request. Therefore, when the association request is received, the target preset bank included in the association request is read from the association request, the target preset bank is one of the preset banks, and the target preset bank corresponding to the association request in the preset banks is determined.
And S100, associating the bank account with the target preset bank, and allocating a virtual account belonging to the target preset bank to the bank account.
After the target preset bank is determined, the bank account of the user is associated with the target preset bank, and before the association, although a data intercommunication channel between each home bank and the preset bank is established, for the user, the user does not have the account of the target preset bank, so that the data of the bank account of the user in the home bank still cannot be intercommunicated with the target preset bank. And after the association, allocating a virtual account belonging to the target preset bank to the bank account, so that the user has the virtual account of the target preset bank, and the virtual account is associated with the original bank account of the user. The intercommunication of the data of the original bank account among the virtual accounts is realized, and the operations of withdrawing money, transferring accounts and the like of the original bank account are realized through the virtual accounts.
Further, in another embodiment of the management and control method of the joint system of the present invention, the step of allocating a virtual account belonging to a target preset bank to a bank account includes:
step S110, when the transaction operation of the virtual account is received, the data corresponding to the transaction operation is transmitted to the home bank based on the data intercommunication channel.
Further, after the virtual account is allocated to the bank account, the user may perform an operation on the bank account through the virtual account, such as performing an appointment withdrawal, a code scanning withdrawal, and the like through the virtual account in the combined system. When the login operation of the virtual account is detected, the virtual account is associated with the bank account of the user, so that data corresponding to the bank account, such as account balance in the bank account, can be acquired through the data intercommunication channel. When the user performs the appointed withdrawal through the virtual account and performs the withdrawal operation to the target preset bank corresponding to the virtual account, the corresponding transaction operation is generated and uploaded to the combined system. And when the transaction operation of the virtual account is received, transmitting data corresponding to the transaction operation to the home bank based on the data intercommunication channel. Referring to fig. 6, data transmission is realized between the home bank 101 and the target default bank 103 through a data communication channel of the union system 102, and if a user withdraws 500 yuan from the target default bank 103 through a virtual account, the data of the withdrawn 500 yuan is transmitted to the home bank 101 through the data communication channel, and the home bank 101 updates the account balance of the bank account corresponding to the virtual account. The data intercommunication channel is established in the combined system, the bank account of the user is associated with the preset bank, transaction operation among different banks is realized, user transaction is facilitated, and user experience is improved.
In addition, referring to fig. 4, the present invention provides a management and control apparatus of a combined system, in a first embodiment of the management and control apparatus of the combined system of the present invention, the management and control apparatus of the combined system includes:
the system comprises a receiving module 10, a judging module and a sending module, wherein the receiving module is used for determining user information carried in a login request when the login request of a user to the combined system is received;
a determining module 20, configured to determine, according to the user information, each bank account bound by the user in the federated system, and set a bank to which each bank account belongs as a target bank;
and the calling module 30 is used for calling the product information of each target bank in the combined system and displaying the product information on a display interface of the combined system.
In the management and control device of the combined system of this embodiment, when the receiving module 10 receives a login request of a user to the combined system, user information carried in the login request is determined; according to the user information, the determining module 20 determines each bank account bound by the user in the combined system, and sets the bank to which each bank account belongs as a target bank; the calling module 30 calls the product information of each target bank in the combined system and displays the product information on the display interface of the combined system. The scheme integrates the products of a plurality of banks into the combined system by establishing the combined system accessed into a plurality of bank systems. When a user logs in the combined system, determining each bank account bound by the user in the combined system, and displaying product information of a target bank to which each bank account belongs in a display interface of the combined system. The promotion and display of a plurality of products accessed into the bank by the combined system are realized, the development of independent bank systems by each bank is avoided, and the operation cost of each bank is reduced.
Referring to fig. 5, fig. 5 is a schematic device structure diagram of a hardware operating environment related to a method according to an embodiment of the present invention.
The management and control device of the combined system can be a PC (personal computer), and can also be a terminal device such as a smart phone, a tablet computer, an electronic book reader, a portable computer and the like.
As shown in fig. 5, the management and control device of the combined system may include: a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002. The communication bus 1002 is used for realizing connection communication between the processor 1001 and the memory 1005. The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Optionally, the management and control device of the joint system may further include a user interface, a network interface, a camera, an RF (Radio Frequency) circuit, a sensor, an audio circuit, a WiFi module, and the like. The user interface may comprise a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface may also comprise a standard wired interface, a wireless interface. The network interface may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface).
Those skilled in the art will appreciate that the configuration of the administration device of the integrated system shown in FIG. 5 does not constitute a limitation on the administration device of the integrated system, and may include more or fewer components than shown, or some components in combination, or a different arrangement of components.
As shown in fig. 5, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, and a hypervisor of the federated system. The operating system is a program that manages and controls hardware and software resources of the management and control device of the federated system, and supports the operation of the management and control program of the federated system as well as other software and/or programs. The network communication module is used to implement communication between the components within the memory 1005 and with other hardware and software in the governing device of the federated system.
In the management and control device of the federated system shown in fig. 5, the processor 1001 is configured to execute the management and control program of the federated system stored in the memory 1005 to implement the management and control method of the federated system described above, and the specific implementation of the management and control device of the federated system of the present invention is basically the same as each embodiment of the management and control method of the federated system described above, and is not described herein again.
The present invention provides a computer-readable storage medium, where one or more programs are stored, and the one or more programs may also be executed by one or more processors to implement the method for managing and controlling the federated system.
It should also be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and all modifications and equivalents of the present invention, which are made by the contents of the present specification and the accompanying drawings, or directly/indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (8)
1. A management and control method of a combined system is characterized by comprising the following steps:
when a login request of a user to the combined system is received, determining user information carried in the login request;
determining bank accounts bound by the user in the combined system according to the user information, and setting the bank to which the bank accounts belong as a target bank;
calling product information of each target bank in the combined system, and displaying the product information on a display interface of the combined system;
acquiring historical information of preset products purchased by a user in a target bank, and determining products related to the historical information in a combined system, wherein the products related to the historical information comprise forward related products and reverse related products;
acquiring associated product information of a forward associated product, and displaying the associated product information on a display interface of a combined system so as to recommend the associated product information to a user;
when a login request of a user to the combined system is received, the step of determining user information carried in the login request comprises the following steps:
when an access request for accessing the combined system is received, acquiring the information of the area where the bank corresponding to the access request is located, the cash information in stock and the information of the operation condition;
judging whether the bank meets the condition of accessing the combined system or not according to the information of the area, the cash in stock information and the operation condition information;
if the bank meets the condition of accessing the combined system, first prompt information is sent to the bank to prompt the bank to upload a user system and a product system of the bank, wherein the user system is a user information set of all users of the bank, and the product system is a product information set of all products of the bank;
and receiving a user system and a product system uploaded by the bank based on the first prompt message, so that the combined system determines a target bank through the serial numbers contained in the user system and/or the product system, and updating the database of the target bank.
2. The method for managing and controlling a combined system according to claim 1, wherein the step of determining, according to the user information, each bank account bound to the user in the combined system includes:
reading the identity document number in the user information, and matching the identity document number with an identity document number library of the combined system to judge whether a user corresponding to the user information has a bound bank account in the combined system;
if the user has a bound bank account in the combined system, acquiring each bank account bound in the combined system by the user;
and if the user does not have the bound bank account in the combined system, outputting second prompt information of the bound bank account to a display interface of the combined system.
3. The method for managing and controlling a combined system according to claim 2, wherein the step of outputting the second prompt message for binding the bank account to the display interface of the combined system is followed by:
when receiving bank account binding operation sent by a user based on second prompt information, acquiring a bank account received in the bank account binding operation, and determining a bank to be verified to which the received bank account belongs;
determining whether the combined system is accessed to a bank to be verified, and judging that the binding operation of the bank account is successful when the combined system is accessed to the bank to be verified;
and when the combined system does not access the bank to be verified, judging that the binding operation of the bank account fails, and prompting the bank account to be replaced for binding.
4. A management and control method of a combined system according to any one of claims 1 to 3, characterized in that the management and control method of the combined system further comprises the steps of:
when an upgrading instruction of the combined system is received, establishing a data intercommunication channel between a bank to which each bank account bound in the combined system belongs and a preset bank;
receiving an association request sent by a bank account, and determining a target preset bank corresponding to the association request in preset banks;
and associating the bank account with the target preset bank, and allocating a virtual account belonging to the target preset bank to the bank account.
5. The method for managing and controlling a consolidated system according to claim 4, wherein the step of assigning a virtual account attributed to the target pre-set bank to a bank account is followed by:
and when the transaction operation of the virtual account is received, transmitting data corresponding to the transaction operation to the home bank based on the data intercommunication channel.
6. A management and control device of a combined system is characterized in that the management and control device of the combined system comprises:
the system comprises a receiving module, a judging module and a judging module, wherein the receiving module is used for determining user information carried in a login request when the login request of a user to the combined system is received;
the determining module is used for determining each bank account bound by the user in the combined system according to the user information and setting the bank to which each bank account belongs as a target bank;
the calling module is used for calling the product information of each target bank in the combined system and displaying the product information on a display interface of the combined system;
the determination module is further to:
acquiring historical information of preset products purchased by a user in a target bank, and determining products related to the historical information in a combined system, wherein the products related to the historical information comprise forward related products and reverse related products;
acquiring associated product information of a forward associated product, and displaying the associated product information on a display interface of a combined system so as to recommend the associated product information to a user;
the receiving module is used for acquiring the information of the region where the bank corresponding to the access request is located, the cash information in stock and the information of the operation condition when the access request for accessing the combined system is received;
the receiving module is also used for judging whether the bank meets the condition of accessing the combined system or not according to the information of the area, the cash in stock information and the operation condition information;
the receiving module is further configured to send first prompt information to the bank to prompt the bank to upload a user system and a product system of the bank if the bank meets a condition of accessing the combined system, where the user system is a user information set of all users of the bank, and the product system is a product information set of all products of the bank;
the receiving module is further configured to receive a user system and a product system uploaded by the bank based on the first prompt message, so that the combined system determines a destination bank through a number included in the user system and/or the product system, and updates a database of the destination bank.
7. A management and control apparatus of a combined system, characterized by comprising: a memory, a processor, a communication bus, and a hypervisor of a federated system stored on the memory;
the communication bus is used for realizing connection communication between the processor and the memory;
the processor is configured to execute a management program of the federated system to implement the steps of the management method of the federated system as recited in any one of claims 1-5.
8. A computer-readable storage medium, on which a management program of a federated system is stored, which, when executed by a processor, implements the steps of the management method of a federated system as recited in any of claims 1-5.
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| CN110147984B (en) * | 2019-04-28 | 2022-04-29 | 中国银行股份有限公司 | Service sending target processing method and device |
| CN112148925B (en) * | 2019-06-27 | 2024-03-01 | 北京百度网讯科技有限公司 | User identification association query method, device, equipment and readable storage medium |
| CN111355742A (en) * | 2020-03-10 | 2020-06-30 | Oppo（重庆）智能科技有限公司 | System login control method and device and computer readable storage medium |
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