CN110852891A

CN110852891A - Data processing method and device based on rolling difference and readable storage medium

Info

Publication number: CN110852891A
Application number: CN201911122432.9A
Authority: CN
Inventors: 吴晗; 梁军; 张翔宇; 王子剑; 郑刚; 陈轩; 邓迪; 程方
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-11-15
Filing date: 2019-11-15
Publication date: 2020-02-28
Anticipated expiration: 2039-11-15
Also published as: CN110852891B

Abstract

The embodiment of the invention discloses a data processing method and device based on rolling difference and a readable storage medium, wherein the data processing method based on rolling difference comprises the following steps: the electronic equipment acquires first subscription information; the first subscription information comprises subscription information after the current subscription deadline; the electronic equipment performs subscription settlement according to the first subscription information to obtain first data; the electronic device transferring the first data to a first account; if the settlement account for the netting difference is settled according to the settlement information, the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information, and the electronic equipment settles the target settlement amount according to the amount of the first account; the target settlement amount is a difference value between the settlement amount corresponding to the settlement information and the amount of the settlement account. By adopting the embodiment of the invention, the stability and the robustness of the system can be improved, and the normal operation of the service can be ensured.

Description

Data processing method and device based on rolling difference and readable storage medium

Technical Field

The present invention relates to the field of data processing technologies, and in particular, to a data processing method and apparatus based on rolling difference, and a readable storage medium.

Background

With the development of the economic globalization and the internet technology, more and more financial service platforms are derived. In the prior art, if a user subscribes a financial product of a financial service platform, the part which is not successfully subscribed on a day can still be consumed, for example, the user subscribes a financial product of 100 yuan on day T and then immediately consumes 50 yuan, and a difference is made when an order is submitted at the end of the day, that is, only a 50 yuan subscription order is submitted to a financial company.

In the prior art, only the difference settlement is carried out on the user dimension, and although the utilization efficiency of funds is improved to a certain extent, the data to be processed is gradually increased along with the expansion of the service scale of the financial service platform, so that the system is unstable in operation.

Disclosure of Invention

The embodiment of the invention provides a data processing method and device based on rolling difference and a computer readable storage medium, which can solve the technical problem of unstable system operation, improve the stability and robustness of the system and ensure the normal operation of services.

In a first aspect, an embodiment of the present invention provides a data processing method based on rolling difference, including: the electronic equipment acquires first subscription information; the first subscription information comprises subscription information after the current subscription deadline; the electronic equipment performs subscription settlement according to the first subscription information to obtain first data; the electronic device transferring the first data to a first account; if the settlement account for the netting difference is settled according to the settlement information, the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information, and the electronic equipment settles the target settlement amount according to the amount of the first account; the target settlement amount is a difference value between the settlement amount corresponding to the settlement information and the amount of the settlement account.

In the method, the electronic equipment acquires the subscription information after the current subscription deadline and performs subscription settlement to obtain first data, the first data can be transferred to a first account, and if the settlement account for netting is settled according to the settlement information, and the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information, the electronic equipment settles the target settlement amount according to the amount of the first account; and the target settlement amount is the difference value between the settlement amount corresponding to the settlement information and the amount of the settlement account, and is used for settling the poor settlement account according to the settlement information. By the method, amount sources can be additionally added for the amount of the settlement account for the running difference, the stability and the uninterrupted operation capability of the system are guaranteed, and the technical problem that the system is unstable due to the fact that the system cannot efficiently finish settlement processing due to the fact that the amount of the settlement account is not enough in the prior art along with the expansion of the service scale of the financial service platform is solved, so that the stability and the robustness of the system are improved, and the normal operation of the service is guaranteed.

Based on the first aspect, in an optional implementation manner, the obtaining, by the electronic device, first data by performing subscription settlement according to the first subscription information includes: and the electronic equipment performs subscription settlement on the basis of a first period according to the first subscription information to obtain first data.

In an optional implementation manner according to the first aspect, the settlement information includes at least one of: fast-redemption information, payment information, redemption information, and subscription withdrawal information.

Based on the first aspect, in one optional implementation manner, the settling the settlement account for netting according to the settlement information includes: and if the settlement information is payment information which is sent after payment is carried out by the connectable stored-value instrument during payment operation, the settlement account and the connectable stored-value instrument carry out settlement.

In one optional implementation manner according to the first aspect, the settling, by the settlement account for netting, with the connectable stored-value instrument according to the payment information includes: settling, by the settlement account for netting, with the connectable stored value instrument according to the payment information at a first point in time based on a second period.

Based on the first aspect, in one optional implementation manner, the settling the settlement account for netting according to the settlement information includes: and if the settlement information is fast-redemption information, performing real-time settlement according to the fast-redemption information by the settlement account for netting.

The implementation mode shows that the settlement information can comprise different settlement information, and the different settlement information can be regarded as mutually independent settlement information, so that different processing can be performed on the different settlement information during the operation of the system, and the stability of the system is further improved.

Based on the first aspect, in one optional implementation manner, the settling, by the electronic device, a target settlement amount according to the amount of the first account includes: when the electronic equipment acquires the redemption information, the electronic equipment obtains a redemption amount after performing redemption operation according to the redemption information, the redemption amount is used for being supplemented into the first account according to the target settlement amount, and the electronic equipment settles the target settlement amount according to the amount of the first account.

In an alternative implementation manner based on the first aspect, at least one of the following information is stored in the block chain:

the first subscription information;

the first data;

the settlement information.

In a second aspect, an embodiment of the present invention provides a rolling difference-based data processing apparatus, where the apparatus includes:

the acquisition unit is used for acquiring first subscription information by the electronic equipment; the first subscription information comprises subscription information after the current subscription deadline;

the subscription settlement unit is used for performing subscription settlement on the electronic equipment according to the first subscription information to obtain first data;

a transfer unit, configured to transfer the first data to a first account by the electronic device;

the settlement unit is used for settling a target settlement amount according to the amount of the first account if the settlement account for the netting difference settles according to the settlement information, wherein the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information; the target settlement amount is a difference value between the settlement amount corresponding to the settlement information and the amount of the settlement account.

According to the second aspect, in an optional implementation manner, the subscription settlement unit is further configured to perform subscription settlement on the basis of a first period according to the first subscription information to obtain first data by the electronic device.

Based on the second aspect, in an optional implementation manner, the settlement unit is further configured to settle, by the settlement account for netting, with the connectable stored-value instrument according to the payment information if the settlement information is payment information that is sent after payment is made by the connectable stored-value instrument when a payment operation is performed.

In one optional implementation manner, the settlement unit is further configured to perform real-time settlement according to the fast-redemption information by the settlement account for netting if the settlement information is the fast-redemption information.

Based on the second aspect, in an optional implementation manner, the settling unit is further configured to settle the target settlement amount according to the amount of the first account by the electronic device, and includes: when the electronic equipment acquires the redemption information, the electronic equipment obtains a redemption amount after performing redemption operation according to the redemption information, the redemption amount is used for being supplemented into the first account according to the target settlement amount, and the electronic equipment settles the target settlement amount according to the amount of the first account.

In a third aspect, an embodiment of the present invention provides a data processing apparatus based on rolling difference, including a processor, a memory, and a communication apparatus, where the processor, the memory, and the communication apparatus are connected to each other, where the memory is used to store a computer program, and the communication apparatus is used to perform information interaction with an external apparatus; the processor is configured to invoke the computer program to perform the method of the first aspect.

In a fourth aspect, the present invention provides a computer-readable storage medium, in which a computer program is stored, the computer program including program instructions, which, when executed by a processor, perform the method of the first aspect.

According to the embodiment of the invention, the method and the device for realizing the settlement of the subscription account can obtain first data by performing subscription settlement on subscription information after the current day subscription deadline, and transfer the first data to a first account, if the settlement account for netting is settled according to the settlement information, when the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information, the electronic equipment settles a target settlement amount according to the amount of the first account, wherein the target settlement amount is the difference value between the settlement amount corresponding to the settlement information and the amount of the settlement account. By the method, amount sources can be additionally added for the amount of the settlement account for the running difference, the stability and the uninterrupted operation capability of the system are guaranteed, and the technical problem that the system is unstable due to the fact that the system cannot efficiently finish settlement processing due to the fact that the amount of the settlement account is not enough in the prior art along with the expansion of the service scale of the financial service platform is solved, so that the stability and the robustness of the system are improved, and the normal operation of the service is guaranteed. And the settlement information comprises a plurality of pieces of settlement information capable of independently settling accounts, and the settlement time is different among the pieces of settlement information, so that the possibility of settlement accounts for netting is provided, and the cost of the system in operation is reduced.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments or the background art of the present invention, the drawings required to be used in the embodiments or the background art of the present invention will be described below.

FIG. 1 is a schematic diagram of a system architecture of a data processing method based on rolling difference according to an embodiment of the present invention;

FIG. 2 is a schematic view of a scenario of a data processing method based on rolling difference according to an embodiment of the present invention;

FIG. 3 is a schematic flow chart of a data processing method based on rolling difference according to an embodiment of the present invention;

FIG. 4 is a schematic diagram of another data processing method based on rolling difference according to an embodiment of the present invention;

FIG. 5A is a schematic diagram of a data sharing system of a data processing method based on rolling difference according to an embodiment of the present invention;

fig. 5B is a block structure diagram of a block chain according to an embodiment of the present invention;

FIG. 5C is a schematic diagram illustrating the generation of new blocks in a blockchain according to an embodiment of the present invention;

fig. 6 is an alternative structural schematic diagram of a distributed system of a data processing method based on rolling difference applied to a block chain system according to an embodiment of the present invention;

FIG. 7 is an alternative block structure according to an embodiment of the present invention;

FIG. 8 is a functional unit diagram of a data processing apparatus based on rolling difference according to an embodiment of the present invention;

fig. 9 is a schematic structural diagram of a data processing apparatus based on rolling difference according to an embodiment of the present invention.

Detailed Description

The embodiments of the present invention will be described below with reference to the drawings.

The terms "first," "second," "third," and "fourth," etc. in the description and claims of the invention and in the accompanying drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the invention. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.

As used in this specification, the terms "component," "module," "system," and the like are intended to refer to a computer-related entity, either hardware, firmware, a combination of hardware and software, or software in execution. For example, a component may be, but is not limited to being, a process running on a processor, an object, an executable, a thread of execution, a program, and/or a computer. By way of illustration, both an application running on a computing device and the computing device can be a component. One or more components can reside within a process and/or thread of execution and a component can be localized on one computer and/or distributed between 2 or more computers. In addition, these components can execute from various computer readable media having various data structures stored thereon. The components may communicate by way of local and/or remote processes such as in accordance with a signal having one or more data packets (e.g., data from two components interacting with another component in a local system, distributed system, and/or across a network such as the internet with other systems by way of the signal).

Based on the above technical problems and the corresponding application scenarios in the present invention, and in order to facilitate understanding of the embodiments of the present invention, a system architecture diagram based on the embodiments of the present invention is described below. Referring to fig. 1, fig. 1 is a schematic diagram of a system architecture of a data processing method based on rolling difference according to an embodiment of the present invention. The system architecture of the present invention may include the terminal device 101, the first server 102, and the second server 103 in fig. 1, the terminal device 101, the first server 102, and the second server 103 achieve mutual communication through a network or other communication manners (e.g., through data lines), and the second server 102 and the third server 103 may perform rolling difference settlement, where: the terminal device 101 may include a mobile phone, a tablet computer, a notebook computer, a palm computer, a Mobile Internet Device (MID), a wearable device (e.g., a smart watch, a smart bracelet, etc.); the first server 102 may be a server with connectable stored value functionality; the second server 103 may be a server having a virtual banking function, which refers to a three-dimensional electronic bank created using a virtual information processing technology. Each terminal device can install application software with a purchase financing product, and can use the functions of subscribing, redeeming and fast redeeming financing funds, and the payment functions of P2P, red packet and the like on the application software.

Referring to fig. 2, fig. 2 is a scene schematic diagram of a data processing method based on rolling difference according to an embodiment of the present invention. As shown in fig. 2, in this scenario, taking the terminal device 101, the first server 102 and the second server 103 in the embodiment corresponding to fig. 1 as an example, after an application interface capable of purchasing a financial product is opened, the terminal device 101 may first display a "transfer mode" button 200 in the terminal display interface, when the user clicks the "transfer mode" button 200, the terminal device may jump to a display page 200a corresponding to the "transfer mode" button 200, a display area in the display page 200a may provide three selection modes, "change", "a bank savings card", and "transfer from a new bank card", where "a bank savings card" is a bank card that the user has bound to the application, when the "change" 201a button is selected, the terminal device may jump to a display page 202 corresponding to the "change" button 201a, an amount not exceeding a change threshold may be input in a "transfer amount" 202a area, when the "transfer in" button is clicked, the first server 102 may receive subscription information sent by the terminal device 101, where the subscription information includes first subscription information after the deadline of the current day subscription, the first server 102 may send the subscription information to the second server 103, the first server 102 and the second server 103 may perform netting settlement on the subscription information within a preset time interval, when the first subscription information is subjected to subscription settlement, first data may be obtained, and after the settlement, it may be considered that the subscription information is transferred from the first server 102 to the second server 103, and it may also be considered that the first data is transferred to the first account.

When the terminal device 101 clicks a "transfer" button 203a and a "red packet" button 203b in an application interface of the financial product, the first server 102 receives payment information sent by the terminal device 101, where the payment information is payment information paid to a third party, such as P2P information and red packet information, the first server 102 may respond to the payment information sent by the terminal device 101, the first server 102 and the second server 103 may perform a running balance settlement on the payment information at a first time point based on a second cycle, and when the amount of a settlement account in the second server 102 is smaller than the settlement amount corresponding to the payment information, perform a settlement on a target settlement amount according to the amount of the first account; the target settlement amount is a difference value between the settlement amount corresponding to the payment information and the amount of the settlement account.

When the terminal device 101 clicks the "fast-redemption" button 204a in the application interface of the financial product, the second server 103 may receive fast-redemption information sent by the terminal device 101, the second server 103 may respond to the fast-redemption information sent by the terminal device 101 to perform real-time running settlement, if the running settlement account is settled according to the fast-redemption information, the amount of the settlement account is smaller than the settlement amount corresponding to the fast-redemption information, and the target settlement amount is settled according to the amount of the first account; the target settlement amount is a difference value between a settlement amount corresponding to the quick redemption information and an amount of the settlement account.

When the terminal device 101 clicks the "redemption" button 204a in the application interface of the financial product, the second server 103 receives the redemption information sent by the terminal device 101, and the second server 103 can perform a redemption operation in response to the redemption information sent by the terminal device 101, and obtains a redemption amount after performing the redemption operation according to the redemption information, wherein the redemption amount is used for supplementing a difference value between the settlement amount corresponding to the settlement information and the amount of the settlement account.

It is understood that the network architecture in fig. 1 is only an exemplary implementation manner in the embodiment of the present invention, and the system architecture in the embodiment of the present invention includes, but is not limited to, the above system architecture.

Referring to fig. 3, fig. 3 is a schematic flow chart of a data processing method based on rolling difference according to an embodiment of the present invention, where the method includes, but is not limited to, the following steps:

step S301, the electronic equipment acquires first subscription information;

specifically, a user can subscribe financial products through the terminal device, and if the user subscribes after the subscription deadline, the electronic device can acquire first subscription information, where the first subscription information includes subscription information after the current subscription deadline.

Step S302, the electronic equipment performs subscription settlement according to the first subscription information to obtain first data;

in one implementation manner, the electronic device performs subscription settlement according to the first subscription information to obtain first data, including: and the electronic equipment performs subscription settlement on the basis of a first period according to the first subscription information to obtain first data.

Specifically, after acquiring subscription information after the current subscription deadline, the electronic device may perform subscription settlement according to the subscription information after the current subscription deadline to obtain first data, where the subscription settlement is performed based on a first period, where the first period may be every half hour, and it can be understood that the electronic device performs subscription settlement every half hour according to the subscription information after the current subscription deadline to obtain the first data.

Step S303, the electronic equipment transfers the first data to a first account;

specifically, the electronic device transfers first data obtained by conducting subscription settlement according to subscription information after the current day subscription deadline to a first account, and the first data can be transferred to the first account through the settlement account.

And step S304, the settlement account for the netting is settled according to the settlement information.

Specifically, if the settlement account for netting is settled according to settlement information, the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information, and the electronic device settles the target settlement amount according to the amount of the first account; the target settlement amount is a difference value between the settlement amount corresponding to the settlement information and the amount of the settlement account.

In one implementation, the settlement information includes at least one of: quick redemption information, payment information, and subscription withdrawal information. Specifically, the quick-redemption information is quick-redemption information, namely the condition that funds can be returned to the specified account on the same day after the user applies for quick redemption; the payment information is information paid by the user to a third party, and can comprise P2P transfer information, payment accounting information, red packet information and the like; the subscription withdrawal information is information on payment to the fund company.

In one implementation, the settling the netting account according to the settlement information includes: and if the settlement information is payment information which is sent after payment is carried out by the connectable stored-value instrument during payment operation, the settlement account for netting is used for settling accounts with the connectable stored-value instrument according to the payment information. The settling, by the settlement account for netting, with the connectable stored value instrument according to the payment information comprises: settling, by the settlement account for netting, with the connectable stored value instrument according to the payment information at a first point in time based on a second period.

Specifically, if the settlement information is payment information, the account generated after the payment operation is performed by the connectable stored-value device according to the payment information may be paid, and the settlement account of the electronic device and the connectable stored-value device may perform a padding process at a first time point of a second period, where the second period may be from 15:00 of the previous day to 15 of the day: 00, the first time point may be 24 o 'clock at night, or 22 o' clock at night, and if the settlement account for netting is settled according to the payment information, the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information, the electronic device may settle the target settlement amount according to the amount of the first account, it may be understood that the target settlement amount is a difference value between the settlement amount corresponding to the settlement information and the amount of the settlement account, that is, when the settlement account is not enough to pay the settlement amount corresponding to the settlement information, the settlement may be performed by the amount of the first account and the connectable stored-value instrument.

In one implementation, the settling the netting account according to the settlement information includes: and if the settlement information is fast-redemption information, performing real-time settlement according to the fast-redemption information by the settlement account for netting.

Specifically, if the settlement information received by the electronic equipment is fast redemption information, the fast redemption information indicates that funds of a user for purchasing a financial product can be transferred to a change account or a bank card of the user in real time, real-time difference processing is performed on the funds for paying the fast redemption of the user by a settlement account in the electronic equipment, and if the amount of the settlement account is smaller than the settlement amount corresponding to the fast redemption information, the electronic equipment settles a target settlement amount according to the amount of the first account; the target settlement amount is a difference value between a settlement amount corresponding to the quick redemption information and an amount of the settlement account.

If the settlement information is subscription withdrawal information, the settlement account for the netting is settled according to the subscription withdrawal information, the amount settled according to the subscription withdrawal information is sent to the fund company, and if the amount of the settlement account is smaller than the settlement amount corresponding to the subscription withdrawal information, the electronic equipment settles the target settlement amount according to the amount of the first account; the target settlement amount is a difference value between a settlement amount corresponding to the subscription withdrawal information and an amount of the settlement account.

In one implementation, the electronic device settling a target settlement amount according to the amount of the first account includes: when the electronic equipment acquires the redemption information, the electronic equipment obtains a redemption amount after performing redemption operation according to the redemption information, the redemption amount is used for being supplemented into the first account according to the target settlement amount, and the electronic equipment settles the target settlement amount according to the amount of the first account.

Specifically, when the electronic device acquires the redemption information, a redemption amount is obtained after a redemption operation is performed according to the redemption information, and the redemption amount is used for supplementing a difference value between a settlement amount corresponding to the settlement information and an amount of the settlement account, it can be understood that the amount in the first account may be an amount included in the subscription information after a deadline of the current subscription, and since the target settlement amount is settled by the amount of the first account when the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information, the subscription operation of the first subscription information needs to be completed by supplementing the amount of the first account by the redemption amount.

Referring to fig. 4, fig. 4 is a schematic flow chart of another data processing method based on rolling difference processing according to an embodiment of the present invention. As shown in fig. 4, there are a plurality of end users 401 subscribed to fund financial products through "change" and/or "bank card" channels before 15:00 of the day, the settlement information obtained by settling accounts 402a at preset time intervals (assuming time of half an hour) is subscribed to 100, it can be understood that the amount of the settlement accounts 402a after settlement is 100, and end users a403 (end users a may be one of the above-mentioned plurality of end users, or may have subscribed to the same financial product before 15:00 of the day) fast redeem 10 into the "change" and/or "bank card" of the end users a before 15:00 of the day, so that the funds in the settlement accounts 402a need to be reduced by 10, and therefore, on the day 15: the amount in the settlement account 402b at 00 is 90.

Referring also to fig. 4, from 15:00 to 15:00 (which may be understood as being after the deadline for the subscription on the day, i.e. taking the deadline for the subscription as an example for 15: 00), a plurality of end users 406 subscribe to financial products through a "change" and/or "bank card" channel, the subscription information obtained by the settlement of the settlement account 407a at a preset time interval (assuming the time is half an hour) is subscription 200, since the subscription amount 200 is the subscription information after the deadline for the day (15:00 to 15:00 on the next day), the first data 200 obtained by the subscription settlement according to the subscription information may be transferred to the first account, and when the fund payment account 404 needs to perform 15: the subscription withdrawal before 00, since the amount of the settlement account 402b is 90, which is insufficient to pay the 100 subscribed by the end user 401, may be funded by the subscription amount 10 using the first data 200, which may pay the withdrawal of the subscription amount 100 of the fund payment account 404, which the fund payment account 404 pays to the fund company account 405 for the subscription amount 100. After 15:00 and the next day 15:00, when the end user uses P2P to transfer money and red packet to settle the expenditure 20, the fund of the financing product purchased by the user is needed, and since the amount of the settlement account 407a is less than 20, the first data 200 can be used to perform payment 20 to the virtual bank internal account 408, and then the virtual bank internal account 408 performs settlement with the wallet main body 410; when the terminal uses the payment settlement expenditure 30, the fund of the financing products purchased by the user is needed to be used, and the amount of the settlement account 407a is less than 30, so the first data 200 can be used for funding 30 to the virtual bank internal account 409, and then the virtual bank internal account 409 and the wallet main body 410 perform settlement; the funds in the first account are increased by 140 after the first data 200 funding the subscription payment funding, P2P transfer and red envelope settlement funding and payment settlement. It is understood that the amount of the settlement account 407a is preferentially used when the amount of the settlement account 407a is sufficient to pay the amount resulting from the quick redemption, the subscription withdrawal, the P2P transfer, the settlement of the red envelope, and the settlement of the payment channel, and when the generated amount is insufficient to be paid, the payment is made by the first amount obtained by the subscription settlement using subscription information after the deadline of the day subscription.

Referring also to fig. 4, the fund company 412 will add the current share of the fast-redemption payment to the

funding amount

65, 60 of the funding amount 65 is the funding amount, 5 is the funding profit amount, and both the funding amount 60 and the funding profit amount 5 will be added to the first account 413, which is the amount 205 in the first account 413, so when the end user 414 quickly redeems the amount 20 into "change" and/or "bank card", the first data 200 will be used to replenish the first data 200 used to settle the subscription on the next 15:00 after 15:00, which will be used to make the subscription withdrawal on the next 15:00, which will be 185 in the settlement account 415, which will be used to make the subscription withdrawal on the account 415, which will be used to make the settlement of the funding amount 185, which will be needed to make the payment of the funding amount 15,15 a due to the payment of the first data 200 in the settlement account 415, the fund payment account 416 deposits the subscription fee 200 to the fund company account 417. The next day 15:00, when the end user uses P2P to transfer money and pay 30 for payment in a red envelope settlement, the user needs to use the funds of the financing products purchased by the user, then the funds can be paid to the virtual bank internal account 419 through the settlement account (first account) 418a, and then the virtual bank internal account 419 and the wallet main body 421 perform settlement; when the terminal uses the payment settlement expenditure 80, the fund of the financing products purchased by the user is needed, the fund 80 can be sent to the virtual bank internal account 420 through the settlement account (first account) 418a, and then the settlement is carried out between the virtual bank internal account 420 and the wallet main body 421; funds in the settlement account (first account) 418b are reduced 125 after the settlement account (first account) 418a fundes for subscription payment funding, P2P transfer and red pack settlement funding, and payment settlement.

Referring also to FIG. 4, the fund company 423 will fund 140 the current share of the fast-redemption, the funding fund 130 is the funding fund, the funding profit 10 is the funding fund, both the funding fund 140 and the funding profit 10 will be added to the settlement account (first account) 418b, at which time the funds in the settlement account (first account) 424 will be increased by 15.

The embodiment of the invention can show that the first data obtained by carrying out subscription settlement on the subscription information after the current subscription deadline can be used as a backing part for timely supplementing when the amount of the settlement account is insufficient, and the reliability of system operation can be ensured under the condition of providing data utilization efficiency.

The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product services layer, and an application services layer.

The block chain underlying platform can comprise processing modules such as user management, basic service, intelligent contract and operation monitoring. The user management module is responsible for identity information management of all blockchain participants, including maintaining public and private key generation (account management), key management, user real identity and blockchain address correspondence maintenance (authority management), and the like, and under the authorization condition, supervising and auditing the transaction condition of some real identities, and providing rule configuration (wind control audit) of risk control. The basic service module is deployed on all block link point devices and used for verifying the validity of service requests, recording the service requests after the effective requests are identified in a consensus mode to a storage, for a new service request, the basic service firstly analyzes and authenticates interface adaptation (interface adaptation), then encrypts service information through a consensus algorithm (consensus management), transmits the service information to a shared account (network communication) completely and consistently after encryption, records and stores the service request, for example, for a new service request which is first subscription information, the basic service firstly analyzes and authenticates interface adaptation (interface adaptation), then encrypts the first subscription information through the consensus algorithm (consensus management), completes consistent transmission to the shared account after encryption (network communication), and stores the first subscription information after the first encryption. The intelligent contract module is responsible for registering and issuing contracts, triggering the contracts and executing the contracts, developers can define contract logics through a certain programming language, issue the contract logics to a block chain (contract registration), call keys or other event triggering and executing according to the logics of contract clauses, complete the contract logics and simultaneously provide the function of upgrading and canceling the contracts; the operation monitoring module is mainly responsible for deployment, configuration modification, contract setting, cloud adaptation in the product release process and visual output of real-time states in product operation, such as: alarm, monitoring network conditions, monitoring node equipment health status, and the like.

The platform product service layer provides basic capability and an implementation framework of typical application, and developers can complete block chain implementation of business logic based on the basic capability and the characteristics of the superposed business. The application service layer provides the application service based on the block chain scheme for the business participants to use.

Referring to fig. 5A, fig. 5A is a schematic diagram of a data sharing system based on a data processing method for netting provided in an embodiment of the present invention, where the data sharing system 500 is a system for performing data sharing between nodes, the data sharing system may include a node 501, a node 502, a node 503, a node 504, a node 505, and the like, a plurality of nodes may refer to clients in the data sharing system, for example, the node 501 may refer to a client where an end user is located, the node 502 may refer to a client where a settlement account is located, the node 503 may refer to a client where a fund payment account is located, the node 504 may refer to a client where a fund company account is located, and the node 505 may refer to a client where a stored-value instrument is located. Each node may receive input information while operating normally and maintain shared data within the data sharing system based on the received input information. In order to ensure information intercommunication in the data sharing system, information connection can exist between each node in the data sharing system, and information transmission can be carried out between the nodes through the information connection. When any node in the data sharing system receives the input information, other nodes in the data sharing system acquire the input information according to a consensus algorithm, and the input information is stored as data in shared data, so that the data stored on all the nodes in the data sharing system are consistent. For example, when the node 502 in the data sharing system receives the first subscription information or/and the settlement information after the subscription deadline, other nodes in the data sharing system (for example, the node 501, the node 503, the node 504, and the node 505) may obtain the first subscription information according to a consensus algorithm, and the first subscription information may be stored as data in the shared data. It is understood that the first subscription information, the first data obtained by subscription settlement according to the first subscription information, and the settlement information may be stored in the blockchain.

Each node in the data sharing system 500 has a corresponding node identifier, and each node in the data sharing system may store the node identifiers of other nodes in the data sharing system, so that the generated block is broadcast to other nodes in the data sharing system according to the node identifiers of other nodes. Each node may maintain a node identifier list as shown in the following table, and store the node name and the node identifier in the node identifier list correspondingly. The node identifier may be an IP (internet protocol) address and any other information that can be used to identify the node, and table 1 only illustrates the IP address as an example.

TABLE 1

Node name	Node identification
		Node
501	117.114.151.174
		Node 502	117.116.189.145
…	…
		Node N	119.123.789.258

Each node in the data sharing system 500 may store one and the same blockchain. Referring to a block structure diagram in the block chain provided by the embodiment of the present invention shown in fig. 5B, the block chain is composed of a plurality of blocks, the starting block includes a block header and a block main body, the block header stores an input information characteristic value, a version number, a timestamp and a difficulty value, and the block main body stores input information; the next block of the starting block takes the starting block as a parent block, the next block also comprises a block head and a block main body, the block head stores the input information characteristic value of the current block, the block head characteristic value of the parent block, the version number, the timestamp and the difficulty value, and the like, so that the block data stored in each block in the block chain is associated with the block data stored in the parent block, and the safety of the input information in the block is ensured.

When generating each block in the block chain, referring to fig. 5C, fig. 5C is a schematic diagram illustrating a principle of generating a new block in the block chain according to an embodiment of the present invention, where a process of generating a new block includes: 1. the node monitors the input information of the whole network; 2. verifying the input information, storing the input information into a memory pool, and updating a hash value; 3. updating the timestamp; 4. try different random numbers; 5. calculating a characteristic value; 6. repeating the steps of 2-5 until a reasonable characteristic value is found; 7. packing the blocks; 8. to the outer broadcast block; 9. and after other nodes are verified, linking into the block chain. It can be understood that when the node where the block chain is located receives the input information, the input information is verified, after the verification is completed, the input information is stored in the memory pool, and the hash tree used for recording the input information is updated; and then, updating the updating time stamp to the time when the input information is received, trying different random numbers, and calculating the characteristic value for multiple times, so that the calculated characteristic value can meet the following formula:

SHA256(SHA256(version+prev_hash+merkle_root+ntime+nbits+x))<TARGET

wherein, SHA256 is a characteristic value algorithm used for calculating a characteristic value; version is version information of the relevant block protocol in the block chain; prev _ hash is a block head characteristic value of a parent block of the current block; merkle _ root is a characteristic value of the input information; ntime is the update time of the update timestamp; nbits is the current difficulty, is a fixed value within a period of time, and is determined again after exceeding a fixed time period; x is a random number; TARGET is a feature threshold, which can be determined from nbits.

Therefore, when the random number meeting the formula is obtained through calculation, the information can be correspondingly stored, and the block head and the block main body are generated to obtain the current block. Then, the node where the block chain is located sends the newly generated blocks to other nodes in the data sharing system where the newly generated blocks are located according to the node identifiers of the other nodes in the data sharing system 500, the newly generated blocks are checked by the other nodes, and the newly generated blocks are added to the block chain stored in the newly generated blocks after the check is completed.

The system related to the embodiment of the invention can be a distributed system formed by connecting a client, a plurality of nodes (any form of computing equipment in an access network, such as a server and a user terminal) through a network communication mode.

Taking a distributed system as an example of a blockchain system, referring To fig. 6, fig. 6 is an optional structural schematic diagram of a blockchain system To which a distributed system 600 of a data processing method based on a rolling difference provided in the embodiment of the present invention is applied, the distributed system is formed by a plurality of nodes (computing devices in any form in an access network, such as a server and a user terminal) and a client, and a Peer-To-Peer (P2P, Peer To Peer) network is formed between the nodes, and a P2P Protocol is an application layer Protocol operating on a Transmission Control Protocol (TCP). In a distributed system, any machine, such as a server or a terminal, can join to become a node, and the node comprises a hardware layer, a middle layer, an operating system layer and an application layer.

Referring to the functions of each node in the blockchain system shown in fig. 6, the functions involved include:

1) routing, a basic function that a node has, is used to support communication between nodes.

Besides the routing function, the node may also have the following functions:

2) the application is used for being deployed in a block chain, realizing specific services according to actual service requirements, recording data related to the realization functions to form recording data, carrying a digital signature in the recording data to represent a source of task data, and sending the recording data to other nodes in the block chain system, so that the other nodes add the recording data to a temporary block when the source and integrity of the recording data are verified successfully.

For example, the services implemented by the application include:

2.1) wallet, which is used to provide the function of transaction of electronic money, and can be connected with a value-storing tool, and includes initiating transaction (i.e. sending the transaction record of current transaction to other nodes in the blockchain system, and storing the record data of transaction in the temporary block of the blockchain as the response of affirming that the transaction is valid after the other nodes are successfully verified; of course, the wallet also supports the querying of the remaining electronic money in the electronic money address;

2.2) shared ledger, which is used for providing functions of operations such as storing, inquiring and modifying the account data, sending the record data of the operations on the account data to other nodes in the block chain system, storing the record data into a temporary block as a response for confirming that the account data is valid after the other nodes verify that the record data is valid, and also sending confirmation to the node initiating the operations, for example, the shared ledger can be used for providing functions of operations such as storing, inquiring and modifying the first subscription information and the subscription information including fast redemption information, payment information, redemption information, subscription withdrawal information and the like, and sending the operation record data on the information data to other nodes in the block chain system.

2.3) intelligent contract, computerized agreement, can carry out the terms of a certain contract, through disposing the code used for carrying out while meeting certain conditions on the shared account book to realize, the code is used for finishing the automatic transaction according to the actual business demand, for example, inquire the physical distribution state of the financial class goods bought by the user terminal in the embodiment of the invention, transfer the electronic currency of the buyer to the address of the trade company after the buyer signs the goods; of course, smart contracts are not limited to executing contracts for trading, but may also execute contracts that process received information.

3) And the Block chain comprises a series of blocks (blocks) which are mutually connected according to the generated chronological order, new blocks cannot be removed once being added into the Block chain, and recorded data submitted by nodes in the Block chain system are recorded in the blocks.

Referring to fig. 7, fig. 7 is an optional schematic diagram of a Block Structure (Block Structure) according to an embodiment of the present invention, where each Block includes a hash value of a transaction record stored in the Block (hash value of the Block) and a hash value of a previous Block, and the blocks are connected by the hash values to form a Block chain. The block may include information such as a time stamp at the time of block generation. A block chain (Blockchain), which is essentially a decentralized database, is a string of data blocks associated by using cryptography, and each data block contains related information for verifying the validity (anti-counterfeiting) of the information and generating a next block. In order to better implement the above scheme of the embodiment of the present invention, the present invention further provides an account login apparatus, which is described in detail below with reference to the accompanying drawings:

as shown in fig. 8, in a schematic view of functional units of a rolling difference-based data processing apparatus 80 according to an embodiment of the present invention, the account login apparatus 80 may include: an acquisition unit 801, a subscription settlement unit 802, a transfer unit, and a settlement unit 803, wherein,

an obtaining unit 801, configured to obtain, by an electronic device, first subscription information; the first subscription information comprises subscription information after the current subscription deadline;

a subscription settlement unit 802, configured to perform subscription settlement according to the first subscription information by the electronic device to obtain first data;

a transfer unit 803, configured to transfer the first data to a first account by the electronic device;

the settlement unit 804 is configured to, if the settlement account for the netting is settled according to the settlement information, the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information, and the electronic device settles the target settlement amount according to the amount of the first account; the target settlement amount is a difference value between the settlement amount corresponding to the settlement information and the amount of the settlement account.

In a possible implementation manner, the subscription settlement unit 802 is further configured to perform subscription settlement based on a first period according to the first subscription information to obtain first data by the electronic device.

In a possible implementation manner, the settlement unit 804 is further configured to enable the settlement information to include at least one of: quick redemption information, payment information, and subscription withdrawal information.

In a possible implementation manner, the settlement unit 804 is further configured to settle, by the settlement account for netting, with the connectable stored-value instrument according to the payment information if the settlement information is payment information that is sent after payment is performed by the connectable stored-value instrument during a payment operation.

In one possible implementation, the settlement unit 804 is further configured to perform real-time settlement according to the fast-redemption information by the settlement account for netting if the settlement information is the fast-redemption information.

In a possible implementation manner, the settlement unit 804 is further configured to obtain a redemption amount after performing a redemption operation according to the redemption information when the electronic device acquires the redemption information, the redemption amount is used for being replenished into the first account according to the target settlement amount, and the electronic device settles the target settlement amount according to the amount of the first account.

It should be noted that the implementation of each unit may also correspond to the corresponding description of the method embodiments shown in fig. 2 to fig. 7, and is not described herein again.

Fig. 9 is a schematic structural diagram of a data processing apparatus based on rolling difference according to an embodiment of the present invention. As shown in fig. 9, electronic device 900 may include: one or more processors 901, one or more memories 902, and one or more communication interfaces 903. These components may be connected by a bus 904, or otherwise, as illustrated by FIG. 9. Wherein:

the communication interface 903 may be used for the electronic device 900 to communicate with other communication devices, such as other electronic devices. In particular, the communication interface 903 may be a wired interface.

The memory 902 may be coupled to the processor 901 via the bus 904 or an input/output port, and the memory 902 may be integrated with the processor 901. The memory 902 is used to store various software programs and/or sets of instructions or data. In particular, Memory 902 may be, but is not limited to, a Read-Only Memory (ROM) or other type of static storage device that may store static information and instructions, a Random Access Memory (RAM) or other type of dynamic storage device that may store information and instructions, an electrically erasable Programmable Read-Only Memory (EEPROM), a Compact Disc Read-Only Memory (CD-ROM) or other optical Disc storage, optical Disc storage (including Compact Disc, laser Disc, optical Disc, digital versatile Disc, blu-ray Disc, etc.), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. The memory 902 may include high-speed random access memory and may also include non-volatile memory, such as one or more magnetic disk storage devices, flash memory devices, or other non-volatile solid-state storage devices. The memory 902 may store an operating system (hereinafter, referred to as a system), such as an embedded operating system like uCOS, VxWorks, RTLinux, etc. The memory 902 may also store a network communication program that may be used to communicate with one or more additional devices, one or more user devices, one or more electronic devices. The memory may be self-contained and coupled to the processor via a bus. The memory may also be integral to the processor.

The memory 902 is used for storing application program codes for executing the above schemes, and the processor 901 controls the execution. The processor 901 is configured to execute application program code stored in the memory 902.

The processor 901 may be a central processing unit, a general purpose processor, a digital signal processor, an application specific integrated circuit, a field programmable gate array or other programmable logic device, transistor logic, a hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor may also be a combination of certain functions, including for example one or more microprocessors, a combination of digital signal processors and microprocessors, or the like.

In an embodiment of the present invention, the processor 901 may be configured to read and execute computer readable instructions. Specifically, the processor 901 may be configured to call a program stored in the memory 902, for example, an implementation program of the data processing method based on the rolling difference provided by one or more embodiments of the present invention on the electronic device 900 side, and execute instructions contained in the program.

It should be noted that the electronic device 900 shown in fig. 9 is only one implementation manner of the embodiment of the present invention, and in practical applications, the electronic device 900 may also include more or less components, which is not limited herein. For specific implementation of the electronic device 900, reference may be made to the foregoing description in the method embodiments shown in fig. 2 to fig. 7, and details are not repeated here.

In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the invention. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required by the invention.

In the embodiments provided in the present invention, it should be understood that the disclosed apparatus can be implemented in other manners. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, the above-described division of the units is only one type of division of logical functions, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of some interfaces, devices or units, and may be an electric or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit may be stored in a computer-readable storage medium if it is implemented in the form of a software functional unit and sold or used as a separate product. 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 and includes several instructions for causing a computer device (which may be a personal computer, a server, a network device, or the like, and may specifically be a processor in the computer device) to execute all or part of the steps of the above-described method according to the embodiments of the present invention. The storage medium may include: a U-disk, a removable hard disk, a magnetic disk, an optical disk, a Read-Only Memory (ROM) or a Random Access Memory (RAM), and the like.

One of ordinary skill in the art will appreciate that all or part of the processes in the methods of the above embodiments may be implemented by hardware related to instructions of a computer program, which may be stored in a computer-readable storage medium, and when executed, may include the processes of the above method embodiments. And the aforementioned storage medium includes: various media capable of storing program codes, such as ROM or RAM, magnetic or optical disks, etc.

Claims

1. A data processing method based on rolling difference is characterized by comprising the following steps:

the electronic equipment acquires first subscription information; the first subscription information comprises subscription information after the current subscription deadline;

the electronic equipment performs subscription settlement according to the first subscription information to obtain first data;

the electronic device transferring the first data to a first account;

if the settlement account for the netting difference is settled according to the settlement information, the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information, and the electronic equipment settles the target settlement amount according to the amount of the first account; the target settlement amount is a difference value between the settlement amount corresponding to the settlement information and the amount of the settlement account.

2. The method of claim 1, wherein the settlement information comprises at least one of: fast-redemption information, payment information, redemption information, and subscription withdrawal information.

3. The method of claim 1, wherein the settling the settlement account for netting according to settlement information comprises:

and the settlement information is payment information which is sent after payment is carried out by the connectable stored-value instrument during payment operation, and the settlement account for netting is used for settling accounts according to the payment information and the connectable stored-value instrument.

4. The method of claim 3, wherein settling, by the settlement account for netting, with the connectable stored value instrument based on the payment information comprises:

settling, by the settlement account for netting, with the connectable stored value instrument according to the payment information at a first point in time based on a second period.

5. The method of claim 1, wherein the settling the settlement account for netting according to settlement information comprises:

and if the settlement information is fast-redemption information, performing real-time settlement according to the fast-redemption information by the settlement account for netting.

6. The method of claim 1, wherein the electronic device settling a target settlement amount based on the amount of the first account comprises:

when the electronic equipment acquires the redemption information, the electronic equipment obtains a redemption amount after performing redemption operation according to the redemption information, the redemption amount is used for being supplemented into the first account according to the target settlement amount, and the electronic equipment settles the target settlement amount according to the amount of the first account.

7. The method according to any of claims 1-6, characterized in that at least one item of information is stored in the block chain:

the first subscription information;

the first data;

the settlement information.

8. A data processing apparatus based on rolling difference, the apparatus comprising:

9. A data processing device based on rolling difference is characterized by comprising a processor, a memory and a communication device, wherein the processor, the memory and the communication device are connected with each other, the memory is used for storing a computer program, and the communication device is used for carrying out information interaction with an external device; the processor is configured to invoke a computer program to perform the method of any one of claims 1-7.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program comprising program instructions which, when executed by a processor, perform the method according to any one of claims 1-7.