CN108830731A - Financial product user account correlating method, device, system and readable storage medium storing program for executing - Google Patents
Financial product user account correlating method, device, system and readable storage medium storing program for executing Download PDFInfo
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- CN108830731A CN108830731A CN201810721329.5A CN201810721329A CN108830731A CN 108830731 A CN108830731 A CN 108830731A CN 201810721329 A CN201810721329 A CN 201810721329A CN 108830731 A CN108830731 A CN 108830731A
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- account information
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- account
- incidence relation
- user account
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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
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The invention discloses a kind of financial product user account correlating methods, including：Obtain the account information of the new user updated in each financial product prefixed time interval；The identity of the account information is extracted, is searched and the consistent account information of the identity；The consistent each account information of the identity is created into incidence relation, and to create the corresponding account information that the account information of incidence relation updates each financial product.The invention also discloses a kind of financial product user account associated apparatus, system and readable storage medium storing program for executing.The present invention is by establishing incidence relation for the account information of the new user of each financial product with unique identity, to identify that multiple account informations of same user realize the integration of account information, and the beneficial effect for improving the account information efficiency of management is furthermore achieved.
Description
Technical field
The present invention relates to financial product data management field more particularly to a kind of financial product user account correlating method,
Device, system and readable storage medium storing program for executing.
Background technique
With only product can financial business portion sustainable development, each financial product line is also more and more abundant, and such as we have been at present
Have only product flower, only by stages, only product borrow etc. financial products.
The personal sensitive information (such as identity card, name, telephone number) of regulation for safety based on company, all users is all
Encryption storage, it is another because current each financial product line is to manage independently, so that respective Accounting system is also mutually indepedent
, therefore same only product meeting member can be different value when each system saves in the relevant information of opening an account of each financial product,
And the same person may have multiple vests in only product meeting store.Therefore each financial product line of integration management user information,
And when carrying out collection management based on user account of the user information to financial product line, need first to integrate each financial product line
User account so that with integrate after account information carry out collection management, but the user account information of existing financial product line by
Cause user information parameter chaotic in the reason of each financial product independence, strong influence user information integration efficiency.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill
Art.
Summary of the invention
The main purpose of the present invention is to provide a kind of financial product user account correlating methods, it is intended to solve the prior art
Middle user account information causes user information parameter chaotic due to each financial product independence, reduces subscriber information management
The technical issues of efficiency.
To achieve the above object, the present invention provides a kind of financial product user account correlating method, including the following contents：
Obtain the account information of the new user updated in each financial product prefixed time interval；
The identity of the account information is extracted, is searched and the consistent account information of the identity；
The consistent each account information of the identity is created into incidence relation, and to create the account of incidence relation
The corresponding account information of each financial product of information update.
Preferably, described that the consistent each account information of the identity is created into incidence relation, and closed with creation association
Account information the step of updating the corresponding account information of each financial product of system, further include：
The account information for having created the incidence relation is stored respectively to the corresponding account information of each financial product and is deposited
Storage area domain.
Preferably, it is described the account information for having created the incidence relation is stored respectively it is corresponding to each financial product
The step of account information storage region includes：
Predetermined encryption mode is obtained, the account information for having created incidence relation is encrypted in a manner of the predetermined encryption；
The encrypted account information is stored to the account information management region of each financial product.
Preferably, the step of account information for obtaining the new user updated in each financial product prefixed time interval
Later, further include：
Obtain the system service data of each financial product；
The account information got is decrypted respectively according to the system service data.
Preferably, described that the consistent each account information of the identity is created into incidence relation, and closed with creation association
After the step of account information of system updates the corresponding account information of each financial product, further include：
The financial product data of the account information are obtained, and the financial product data are saved to corresponding collection data
Storage region；
The collection data of the account information are managed by the incidence relation created.
In addition, to achieve the above object, the present invention also provides a kind of financial product user account associated apparatus, the finance
Product user account associated apparatus includes：It memory, processor and is stored on the memory and can be on the processor
The computer program of operation, the computer program realize financial product user account as described above when being executed by the processor
The step of correlating method.
The present invention also provides a kind of financial product user account interconnected system, the financial product user account interconnected system
The step of realizing financial product user account correlating method as described above when being executed.
The present invention also provides a kind of readable storage medium storing program for executing, financial product user account is stored on the readable storage medium storing program for executing
Associated program, the financial product user account associated program realize financial product user account as described above when being executed by processor
The step of family correlating method.
A kind of financial product user account correlating method that the embodiment of the present invention proposes, obtain each financial product it is default when
Between be spaced in update new user account information；The identity of the account information is extracted, is searched and the identity
Consistent account information；The consistent each account information of the identity is created into incidence relation, and to create incidence relation
The account information updates the corresponding account information of each financial product.By by the account information of the new user of each financial product
Incidence relation is established with unique identity, to identify that multiple account informations of same user realize the whole of account information
It closes, and the beneficial effect for improving the account information efficiency of management is furthermore achieved.
Detailed description of the invention
Fig. 1 be the hardware running environment that the embodiment of the present invention is related to terminal apparatus structure schematic diagram；
Fig. 2 is the flow diagram of financial product user account correlating method first embodiment of the present invention；
Fig. 3 is the flow diagram of financial product user account correlating method second embodiment 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 embodiment
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 primary solutions of the embodiment of the present invention are：Obtain the new use updated in each financial product prefixed time interval
The account information at family；The identity of the account information is extracted, is searched and the consistent account information of the identity；By institute
The consistent each account information creation incidence relation of identity is stated, and each to create the update of the account information of incidence relation
The corresponding account information of financial product.
Since current each financial product line is to manage independently, so that respective Accounting system is also independent from each other,
Therefore the same only product meeting member can be different value when each system saves in the relevant information of opening an account of each financial product, and
The same person may have multiple vests in only product meeting store.Therefore it in the user information of each financial product line of integration management, needs
Will the account information to each financial product identify and integrate respectively, the inefficiency complex for operation step for leading to user management.
The present invention provides a solution, by by the account information of the new user of each financial product with unique identity
Mark establishes incidence relation, to identify that multiple account informations of same user realize the integration of account information, and it is further real
The beneficial effect for improving the account information efficiency of management is showed.
As shown in Figure 1, Fig. 1 is the terminal structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
The terminal of that embodiment of the invention can be PC, be also possible to smart phone, tablet computer, E-book reader, portable
The packaged type terminal device having a display function such as computer.
As shown in Figure 1, the terminal may include：Processor 1001, such as CPU, network interface 1004, user interface
1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is for realizing the connection communication between these components.
User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user interface
1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include that the wired of standard connects
Mouth, wireless interface (such as WI-FI interface).Memory 1005 can be high speed RAM memory, be also possible to stable memory
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
It will be understood by those skilled in the art that the restriction of the not structure paired terminal of terminal structure shown in Fig. 1, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe module, Subscriber Interface Module SIM and financial product user account associated program.
In terminal shown in Fig. 1, network interface 1004 is mainly used for connecting background server, carries out with background server
Data communication；User interface 1003 is mainly used for connecting client (user terminal), carries out data communication with client；And processor
1001 can be used for calling the financial product user account associated program stored in memory 1005, and execute following operation：
Obtain the account information of the new user updated in each financial product prefixed time interval；
The identity of the account information is extracted, is searched and the consistent account information of the identity；
The consistent each account information of the identity is created into incidence relation, and to create the account of incidence relation
The corresponding account information of each financial product of information update.
Further, processor 1001 can call the financial product user account stored in memory 1005 to be associated with journey
Sequence also executes following operation：
The account information for having created the incidence relation is stored respectively to the corresponding account information of each financial product and is deposited
Storage area domain.
Further, processor 1001 can call the financial product user account stored in memory 1005 to be associated with journey
Sequence also executes following operation：
Predetermined encryption mode is obtained, the account information for having created incidence relation is encrypted in a manner of the predetermined encryption；
The encrypted account information is stored to the account information management region of each financial product.
Further, processor 1001 can call the financial product user account stored in memory 1005 to be associated with journey
Sequence also executes following operation：
Obtain the system service data of each financial product；
The account information got is decrypted respectively according to the system service data.
Further, processor 1001 can call the financial product user account stored in memory 1005 to be associated with journey
Sequence also executes following operation：
The financial product data of the account information are obtained, and the financial product data are saved to corresponding collection data
Storage region；
The collection data of the account information are managed by the incidence relation created.
It is the flow diagram of financial product user account correlating method first embodiment of the present invention, institute referring to Fig. 2, Fig. 2
Stating financial product user account correlating method includes：
Step S10 obtains the account information of the new user updated in each financial product prefixed time interval；
Financial product line based on current application obtains the account of the new user in the financial product line prefixed time interval
Family information, the financial product line are defined as the financial product under same management mode operation, such as the only product only under product meeting
Flower, only by stages, only product borrow etc. financial products.The prefixed time interval may be defined as obtaining the time of the account information of new user
Period, such as once a day or a Monday is inferior, specifically obtain frequency, the frequency of opening an account of financial product line can be passed through
It is customized.In the account information of the new user, generation, refer to the new use of new account in the financial product line within a preset time interval
The account information at family, the account information include the contents such as name, contact method, identification card number, the specific information content and institute
The user information content of parameter for stating the setting of financial product line is related.In view of financial product line is related to fund, the account of user
Information need to have extremely strong confidentiality, therefore in each financial product line, and the account information of new user is encryption data, that is, obtain
To the account information of new user be encryption data, before the account information to the new user operates, also need pair
The account information of the new user is decrypted, i.e., described to obtain the new user updated in each financial product prefixed time interval
Account information the step of after, further include：
Obtain the system service data of each financial product；
The account information got is decrypted respectively according to the system service data.
The account information of new user based on the financial product line currently got obtains the correspondence of the financial product line
System service data, and the manner of decryption in the system service data is extracted, the correspondence got to each financial product line is new
Operation is decrypted in the account information of user.Further, the account information of the new user and corresponding system service data
It can obtain, and be decrypted online by account information of the system service online data to the new user simultaneously, to mention
The decryption efficiency of the account information of the high new user.
Step S20 extracts the identity of the account information, searches and the consistent account information of the identity；
The information parameter of the account information of the new user of the financial product line got is read, and in the information parameter
Extract the information of the identity of the account information.Information based on the identity is searched in preset data storage region
With other consistent account informations of the identity, wherein the preset data storage region is defined as storage account information
Data storage areas, in practical application, being presented as the modes such as database.Other described account informations are deposited for the data
The account information of the existing user for the financial product line that storage area domain has been collected.The identity is defined as current financial product line
The unique identity of user account information may be defined as the unique of identification card number, driver's license or other proof personal identifications
Proof of identification information.Due to the generality of identification card number application, identity is confirmed as in identity defined in the present invention
Card number.
The consistent each account information of the identity is created incidence relation by step S30, and to create incidence relation
The account information updates the corresponding account information of each financial product.
According to found in the account information for being stored in original user in the data storage areas identity with
The account information of the account information and the new user are established account by the consistent account information of the new user account information
Family connection relationship, the connection relationship can directly create mapping data based on incidence relation or in the account informations
The consistent account information of identity, is associated by the field of a newly-increased incidence relation in this manner.Based on having created
The status modifier of the account information is more new state by the account information for building incidence relation, and based on the more new state, more
Original account information of new each financial product, i.e., it is described to close the consistent each account information creation association of the identity
System, and to create the step of account information of incidence relation updates the corresponding account information of each financial product, further include：
The account information for having created the incidence relation is stored respectively to the corresponding account information of each financial product and is deposited
Storage area domain.
Using preset time as the period, the account information for having created incidence relation is pushed to the account of each financial product
The legacy data content of the account information is replaced in family information storage area；Alternatively, each financial product is week with preset time
Phase extracts the data for having created the account information of connection relationship in the preset data storage region, and with the account
The original account information data of information update realizes that account information is synchronous.
Wherein, it is stored respectively by the account information to the behaviour of the corresponding account information storage region of each financial product
Make, i.e., described store the account information for having created the incidence relation to the corresponding account information of each financial product respectively is deposited
The step of storage area domain includes：
Predetermined encryption mode is obtained, the account information for having created incidence relation is encrypted in a manner of the predetermined encryption；
The encrypted account information is stored to the account information management region of each financial product.
Based on the account information for currently having created incidence relation, predetermined encryption mode is obtained, and with the predetermined encryption side
Formula encrypts the account information for creating incidence relation, and the encrypted account information is stored respectively to each finance
The account information management region of product, the predetermined encryption mode are with the account information cipher mode of setting, in addition, described
Account information management region is the account information storage and management region of each financial product.
In the present embodiment, the consistent each account information of the identity is created by incidence relation with unique identity
The information data of account information is updated, and the account information that updated account information pushes to each financial product line is stored
Region, it is same to identify by the way that the account information of the new user of each financial product is established incidence relation with unique identity
Multiple account informations of one user realize the integration of account information, and are furthermore achieved and improve the account information efficiency of management
Beneficial effect.
Further, check that Fig. 3, Fig. 3 are the second embodiment process of financial product user account correlating method of the present invention
Schematic diagram, based on first embodiment shown in above-mentioned, the financial product user account correlating method further includes：
Step S40 obtains the financial product data of the account information, and the financial product data is saved to correspondence
Collection data storage areas；
Step S50 manages the collection data of the account information by the incidence relation created.
In the present embodiment, when getting the account information of new user, while the account information is obtained in each gold
Melt the financial product data of product line, and the collection number based on the new user is generated according to the content of the financial product data
According to preservation to corresponding collection data storage areas.Based on the incidence relation of the account information, so that collection system administration area
All collection data of account information are unified in domain by the incidence relation.Wherein, the financial product data include described new
The specifying information for product purchase of the account information of user based on current financial product line/use, including product content, the time limit,
The amount of money, the contents such as time of refunding, specific data content is related to the detailed programs parameter of corresponding financial product line, into one
Step, the collection data are the collection data in the products application time limit based on the account information, in practical application, mainly
Based on the collection time.It, can also be by the incidence relation using described new when the collection data of the account information described in collection
New user contact details in the account information of user execute collection operation.
In addition, the embodiment of the present invention also proposes a kind of readable storage medium storing program for executing, finance is stored on the readable storage medium storing program for executing
Product user account associated program realizes following operation when the financial product user account associated program is executed by processor：
Obtain the account information of the new user updated in each financial product prefixed time interval；
The identity of the account information is extracted, is searched and the consistent account information of the identity；
The consistent each account information of the identity is created into incidence relation, and to create the account of incidence relation
The corresponding account information of each financial product of information update.
Further, following operation is also realized when the financial product user account associated program is executed by processor：
The account information for having created the incidence relation is stored respectively to the corresponding account information of each financial product and is deposited
Storage area domain.
Further, following operation is also realized when the financial product user account associated program is executed by processor：
Predetermined encryption mode is obtained, the account information for having created incidence relation is encrypted in a manner of the predetermined encryption；
The encrypted account information is stored to the account information management region of each financial product.
Further, following operation is also realized when the financial product user account associated program is executed by processor：
Obtain the system service data of each financial product；
The account information got is decrypted respectively according to the system service data.
Further, following operation is also realized when the financial product user account associated program is executed by processor：
The financial product data of the account information are obtained, and the financial product data are saved to corresponding collection data
Storage region；
The collection data of the account information are managed by the incidence relation created.
Invention additionally discloses a kind of financial product user account interconnected system, the finance user account interconnected system is being held
When row, the operation content of the embodiment of financial product user account correlating method as described above is realized.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (8)
1. a kind of financial product user account correlating method, which is characterized in that the financial product user account correlating method packet
Include following steps：
Obtain the account information of the new user updated in each financial product prefixed time interval；
The identity of the account information is extracted, is searched and the consistent account information of the identity；
The consistent each account information of the identity is created into incidence relation, and to create the account information of incidence relation
Update the corresponding account information of each financial product.
2. financial product user account correlating method as described in claim 1, which is characterized in that described by the identity
Consistent each account information creates incidence relation, and updates each financial product to create the account information of incidence relation
The step of corresponding account information, further include：
The account information for having created the incidence relation is stored into account information memory block corresponding to each financial product respectively
Domain.
3. financial product user account correlating method as claimed in claim 2, which is characterized in that described to have created the pass
The account information of connection relationship stores the step of account information storage region corresponding to each financial product respectively and includes：
Predetermined encryption mode is obtained, the account information for having created incidence relation is encrypted in a manner of the predetermined encryption；
The encrypted account information is stored to the account information management region of each financial product.
4. financial product user account correlating method as described in claim 1, which is characterized in that described to obtain each finance production
After the step of account information of the new user updated in product prefixed time interval, further include：
Obtain the system service data of each financial product；
The account information got is decrypted respectively according to the system service data.
5. such as the described in any item financial product user account correlating methods of Claims 1-4, which is characterized in that described by institute
The consistent each account information creation incidence relation of identity is stated, and each to create the update of the account information of incidence relation
After the step of corresponding account information of financial product, further include：
The financial product data of the account information are obtained, and the financial product data are saved to corresponding collection data storage
Region；
The collection data of the account information are managed by the incidence relation created.
6. a kind of financial product user account associated apparatus, which is characterized in that the financial product user account associated apparatus packet
It includes：Memory, processor and it is stored in the computer program that can be run on the memory and on the processor, the meter
Realize that the financial product user account as described in any one of claims 1 to 5 closes when calculation machine program is executed by the processor
The step of linked method.
7. a kind of financial product user account interconnected system, which is characterized in that the financial product user account interconnected system exists
The step of financial product user account correlating method as described in any one of claims 1 to 5 is realized when execution.
8. a kind of readable storage medium storing program for executing, which is characterized in that be stored with financial product user account pass on the readable storage medium storing program for executing
Join program, realizes when the financial product user account associated program is executed by processor such as any one of claims 1 to 5 institute
The step of financial product user account correlating method stated.
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Application publication date: 20181116 |
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| RJ01 | Rejection of invention patent application after publication |