CN110852891B - Data processing method and device based on rolling stock and readable storage medium - Google Patents

Abstract

The embodiment of the invention discloses a data processing method and device based on rolling stock and a readable storage medium, wherein the data processing method based on rolling stock comprises the following steps: the electronic equipment acquires first subscription information; the first subscription information comprises subscription information after the current day subscription expiration time; 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 rolling stock 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 between the settlement amount corresponding to the settlement information and the settlement account amount. 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 stock and readable storage medium

Technical Field

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

Background

With the development of economic globalization and internet technology, more and more financial service platforms are derived. In the prior art, if a user subscribes to a financial product of a financial service platform, a part of the non-subscription on the day can still be used for consumption, for example, the user subscribes to a 100-element financial product on the day T and then immediately consumes 50-element, and then a rolling stock is made when the user submits an order on the day end, namely, only one 50-element subscription order is submitted to a financial company.

In the prior art, only the rolling settlement is carried out in the dimension of the user, 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 stock 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 business.

In a first aspect, an embodiment of the present invention provides a data processing method based on a rolling stock, including: the electronic equipment acquires first subscription information; the first subscription information comprises subscription information after the current day subscription expiration time; 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 rolling stock 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 between the settlement amount corresponding to the settlement information and the settlement account amount.

In the method, the electronic equipment acquires subscription information after the current subscription expiration time and performs subscription settlement to obtain first data, the first data can be transferred to a first account, and if a settlement account for a rolling stock is settled according to settlement information, and 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; and the target settlement amount is the difference between the settlement amount corresponding to the settlement information and the settlement account amount, and is used for settlement of the account under the rolling stock according to the settlement information. By the method, an amount source can be additionally added for the amount of the settlement account for the rolling stock, the stability and uninterrupted operation capacity of the system are ensured, the problem that the system is unstable due to the fact that the settlement processing cannot be efficiently completed by the system due to the insufficient amount of the settlement account in the prior art along with the expansion of the service scale of the financial service platform is avoided, and the normal operation of the service is ensured.

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

Based on the first aspect, in one optional implementation manner, the settlement information includes at least one of the following: quick redemption information, payment information, redemption information, and subscription withdrawal information.

In an optional implementation manner of the first aspect, the settlement account for the rolling stock performs settlement according to settlement information, including: and if the settlement information is payment information, the payment information is transmitted after the payment is carried out by the connectable stored-value tool when the payment operation is carried out, and the settlement is carried out by the settlement account and the connectable stored-value tool.

In one optional implementation manner of the first aspect, the clearing by the settlement account for the rolling stock according to the payment information and the connectable stored-value tool includes: and settling the settlement account for the rolling stock with the connectable stored-value tool according to the payment information at a first time point based on a second period.

In an optional implementation manner of the first aspect, the settlement account for the rolling stock performs settlement according to settlement information, including: and if the settlement information is quick redemption information, performing real-time settlement according to the quick redemption information by the settlement account for the rolling stock.

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 treatments can be carried out on the different settlement information when the system is operated, and the stability of the system is further improved.

Based on the first aspect, in one optional implementation manner, the electronic device settling the target settlement amount according to the amount of the first account includes: when the electronic device obtains redemption information, redemption amount is obtained after performing redemption operation based on the redemption information, the redemption amount being used to replenish the target settlement amount into the first account based on the target settlement amount, the electronic device settling the target settlement amount based on the first account amount.

Based on the first aspect, in one optional implementation manner, at least one of the following information is stored in the blockchain:

the first subscription information;

the first data;

and the settlement information.

In a second aspect, an embodiment of the present invention provides a data processing apparatus based on a rolling stock, the apparatus including:

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

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

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

the electronic equipment comprises a settlement unit, a settlement unit and a settlement unit, wherein the settlement unit is used for settling a settlement account for a rolling stock according to settlement information, wherein the amount of the settlement account is smaller than the settlement amount corresponding to the settlement information, and the electronic equipment settles a target settlement amount according to the amount of the first account; the target settlement amount is a difference between the settlement amount corresponding to the settlement information and the settlement account amount.

Based on the second aspect, in one optional implementation manner, the subscription settlement unit is further configured to perform subscription settlement based on a first period according to the first subscription information by using the electronic device to obtain first data.

In an optional implementation manner of the second aspect, the settlement unit is further configured to, if the settlement information is payment information, send the payment information after the payment is made by the connectable stored-value tool when the payment operation is made, perform settlement with the connectable stored-value tool according to the payment information by the settlement account for the rolling stock.

Based on the second aspect, in one optional implementation manner, the settlement unit is further configured to, if the settlement information is quick redemption information, perform real-time settlement according to the quick redemption information by the settlement account for the rolling stock.

Based on the second aspect, in one optional implementation manner, the settlement unit is further configured to settle a target settlement amount according to the first account amount by using the electronic device, including: when the electronic device obtains redemption information, redemption amount is obtained after performing redemption operation based on the redemption information, the redemption amount being used to replenish the target settlement amount into the first account based on the target settlement amount, the electronic device settling the target settlement amount based on the first account amount.

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

In a fourth aspect, embodiments of the present invention provide a computer readable storage medium storing a computer program comprising program instructions which, when executed by a processor, perform the method of the first aspect.

The embodiment of the invention can acquire first data by subscription settlement of subscription information after the expiration time of the current day, and transfer the first data to the first account, if the settlement account for the rolling stock 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 the 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, an amount source can be additionally added for the amount of the settlement account for the rolling stock, the stability and uninterrupted operation capacity of the system are ensured, the problem that the system is unstable due to the fact that the settlement processing cannot be efficiently completed by the system due to the insufficient amount of the settlement account in the prior art along with the expansion of the service scale of the financial service platform is avoided, and the normal operation of the service is ensured. And the settlement information comprises a plurality of pieces of settlement information which can be independently settled, and settlement time among the settlement information is different, so that possibility is provided for settlement accounts for the rolling stock, and the cost of the system in operation is reduced.

Drawings

In order to more clearly describe the embodiments of the present invention or the technical solutions in the background art, the following description will describe the drawings that are required to be used in the embodiments of the present invention or the background art.

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

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

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

FIG. 5B is a block diagram of a blockchain in accordance with embodiments of the present invention;

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

FIG. 6 is a schematic diagram of an alternative architecture of a distributed system for a blockchain system based on a data processing method for rolling stock according to an embodiment of the present invention;

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

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

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

Detailed Description

Embodiments of the present invention will be described below with reference to the accompanying drawings in the embodiments of the present invention.

The terms "first," "second," "third," and "fourth" and the like in the description and in the claims and drawings are used for distinguishing between different objects and not necessarily for describing a particular sequential or chronological order. Furthermore, the terms "comprise" and "have," as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may 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 may be included in at least one embodiment of the invention. The appearances of such phrases 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. Those of skill in the art will explicitly and implicitly appreciate that the embodiments described herein may 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 may reside within a process and/or thread of execution and a component may be localized on one computer and/or distributed between 2 or more computers. Furthermore, 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 one another 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 technical problems and the corresponding application scenarios in the present invention, in order to facilitate understanding of the embodiments of the present invention, a system architecture diagram on which the embodiments of the present invention are based is described below. Referring to fig. 1, fig. 1 is a schematic system architecture diagram of a data processing method based on rolling stock according to an embodiment of the present invention. The system architecture in the present invention may include the terminal device 101, the first server 102 and the second server 103 in fig. 1, where the terminal device 101, the first server 102 and the second server 103 implement communication with each other through a network or other communication modes (for example, through a data line), and the first server 102 and the second server 103 may perform a rolling balance settlement, where: terminal device 101 may include a cell phone, tablet, notebook, palm top, mobile internet device (mobile internet device, MID), wearable device (e.g., smart watch, smart bracelet, etc.); the first server 102 may be a server having a connectable stored value function; the second server 103 may be a server having a virtual banking function, which refers to a three-dimensional electronic banking created using a virtual information processing technology. Each terminal device can be provided with application software for purchasing financial products, and the application software can use the functions of purchasing, redeeming and quickly redeeming financial funds, and the payment functions of P2P, red packages and the like.

Referring to fig. 2, fig. 2 is a schematic view of a scenario of a data processing method based on rolling stock 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 the terminal device 101 opens an application interface capable of purchasing a financial product, a "change mode" button 200 may be displayed in the terminal display interface first, when the user clicks the "change mode" button 200, the user may jump to a display page 200a corresponding to the "change mode" button 200, a display area in the display page 200a may provide a third selection mode, "change", "a bank deposit card", and "change from a new silver card", where "a bank deposit card" is a bank card that the user has bound on the application, when the "change" button 201a is selected, the user may jump to a display page 202 corresponding to the "change" button 201a, an amount not exceeding a change threshold may be input in the "change amount" 202a area, when the user clicks the "change mode" button 200, the first server 102 may receive subscription information sent by the terminal device 101, the subscription information includes a first subscription information that may be transferred to the first server 103 at a first time after the first time of day, and the first subscription information may be transferred from the first server 103 to the first server may be considered to be settled, and the first subscription information may be considered to be transferred from the first server data.

When the terminal device 101 clicks the "transfer" button 203a and the "red package" button 203b in the 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 such as P2P information and red package information paid to a third party, the first server 102 can respond to the payment information sent by the terminal device 101, the first server 102 and the second server 103 can perform the running settlement on the payment information at a first time point based on a second period, and when the amount of a settlement account in the second server 102 is smaller than the amount corresponding to the payment information, the target settlement amount is settled according to the amount of the first account; the target settlement amount is a difference between a settlement amount corresponding to the payment information and an amount of the settlement account.

When the terminal equipment 101 clicks the quick redemption button 204a in the application interface of the financial product, the second server 103 can receive the quick redemption information sent by the terminal equipment 101, the second server 103 can respond to the quick redemption information sent by the terminal equipment 101 to conduct real-time settlement of the rolled stock, if a settlement account for the rolled stock is settled according to the quick redemption information, the amount of the settlement account is smaller than the settlement amount corresponding to the quick redemption information, and the target settlement amount is settled according to the amount of the first account; the target settlement amount is a difference between a settlement amount corresponding to the quick redemption information and the settlement account amount.

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, the second server 103 can respond to the redemption information sent by the terminal device 101 to perform a redemption operation, and the redemption amount is obtained after performing the redemption operation according to the redemption information, and is used for supplementing the difference between the settlement amount corresponding to the settlement information and the amount of the settlement account.

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

Referring to fig. 3, fig. 3 is a flow chart of a data processing method based on rolling stock, which includes but is not limited to the following steps:

step S301, the electronic equipment acquires first subscription information;

specifically, the user can subscribe to the financial product through the terminal device, and if the user subscribes after the subscription expiration time, the electronic device can acquire first subscription information, wherein the first subscription information comprises subscription information after the current subscription expiration time.

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 performing subscription settlement according to the first subscription information to obtain first data includes: and the electronic equipment performs subscription settlement based on a first period according to the first subscription information to obtain first data.

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

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

specifically, the electronic device transfers first data obtained by subscription settlement according to subscription information after the current day subscription expiration time to the 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 rolling stock is settled according to the settlement information.

Specifically, if the settlement account for the rolling stock 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 between the settlement amount corresponding to the settlement information and the settlement account amount.

In one implementation, the settlement information includes at least one of: quick redemption information, payment information, and subscription withdrawal information. Specifically, the redemption information is redemption information, i.e., the condition in which funds may be returned to the designated account the day after the user applied for redemption _； The payment information is information paid by the user to a third party and can comprise P2P transfer information, payment accounting information, red package information and the like; the subscription withdrawal information is payment information to the fund company.

In one implementation manner, the settlement account for the rolling stock performs settlement according to settlement information, including: and if the settlement information is payment information, the payment information is transmitted after the payment is carried out by the connectable stored-value tool when the payment operation is carried out, and the settlement account for the rolling stock carries out settlement according to the payment information and the connectable stored-value tool. The settlement by the settlement account for the rolling stock with the connectable stored-value instrument according to the payment information includes: and settling the settlement account for the rolling stock with the connectable stored-value tool according to the payment information at a first time point based on a second period.

Specifically, if the settlement information is payment information, the connectable stored-value tool may make a payment according to an amount generated after the payment operation is performed by the payment information, and the settlement account of the electronic device and the connectable stored-value tool perform a rolling process at a first time point of a second period, where the second period may be 15:00 a previous day to 15 a current day: 00, the first time point may be 24 pm, or may be 22 pm, etc., if the amount of the settlement account used for the rolling is smaller than the amount of the settlement corresponding to the settlement information when the settlement account is settled according to the payment information, the electronic device may settle the target settlement amount according to the amount of the first account, and it may be understood that the target settlement amount is the difference between the amount of the settlement corresponding to the settlement information and the amount of the settlement account, that is, when the settlement account is insufficient to pay the amount of the settlement corresponding to the settlement information, the amount of the first account and the connectable value storing tool may perform settlement.

In one implementation manner, the settlement account for the rolling stock performs settlement according to settlement information, including: and if the settlement information is quick redemption information, performing real-time settlement according to the quick redemption information by the settlement account for the rolling stock.

Specifically, if the settlement information received by the electronic equipment is quick redemption information, the quick redemption information indicates that funds purchased by a user for a financial product can be transferred into a change account or a bank card of the user in real time, the funds for paying the quick redemption of the user are subjected to real-time rolling process by a settlement account of the electronic equipment, and if the amount of the settlement account is smaller than the settlement amount corresponding to the quick redemption information, the electronic equipment settles the target settlement amount according to the amount of the first account; the target settlement amount is a difference between a settlement amount corresponding to the quick redemption information and the settlement account amount.

If the settlement information is subscription withdrawal information, the settlement account for the rolling stock settles according to the subscription withdrawal information, the amount settled according to the subscription withdrawal information is sent to a 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 between the settlement amount corresponding to the subscription withdrawal information and the settlement account amount.

In one implementation, the electronic device settling a target settlement amount according to the amount of the first account includes: when the electronic device obtains redemption information, redemption amount is obtained after performing redemption operation based on the redemption information, the redemption amount being used to replenish the target settlement amount into the first account based on the target settlement amount, the electronic device settling the target settlement amount based on the first account amount.

Specifically, when the electronic device obtains redemption information, a redemption amount is obtained after performing a redemption operation according to the redemption information, the redemption amount is used to supplement a difference between a settlement amount corresponding to the settlement information and an amount of the settlement account, and it is understood that the amount in the first account may be an amount contained in the subscription information after a current time of day, and since the settlement account 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 flow chart of another data processing method based on rolling stock processing according to an embodiment of the present invention. As shown in fig. 4, there are a plurality of end users 401 having purchased fund financial products through the "change" and/or "bank card" channel before 15:00 of the day, and the subscription information obtained by the settlement of the settlement account 402a at the preset time interval (assuming half an hour) is 100, it will be appreciated that the amount 100 of the settlement account 402a after the settlement is performed, and the quick redemption 10 of the end user a403 (of the plurality of end users mentioned above, or of the same financial product purchased before 15:00 of the day) to the "change" and/or "bank card" of the end user a, so the funds in the settlement account 402a need to be reduced by 10, and thus 15 of the day: the amount in settlement account 402b at 00 is 90.

Referring also to fig. 4, from 15:00 to 15:00 the next day (which can be understood to be illustrated by taking the case of 15:00 as the expiration date of the current day) the plurality of end users 406 have purchased the financial product through the "change" and/or "bank card" channels, the settlement account 407a has the subscription information of 200 obtained by settlement at the preset time interval (assuming half an hour), and since the subscription amount 200 is the subscription information from 15:00 to 15:00 the next day after the expiration date of the current day, the first data 200 obtained by settlement according to the subscription information can be transferred to the first account, and when the fund payment account 404 needs to perform 15 on the current day to the settlement account 402 b: since the amount of settlement account 402b is 90 and insufficient to pay 100 purchased by end user 401, the funding of the subscription amount 10 can be performed using first data 200, which allows payment of the subscription amount 100 of fund payment account 404, and fund payment account 404 pays subscription amount 100 to fund company account 405. After 15:00 a day and 15:00 a next day, when the end user uses P2P to transfer money and settle the expenditure 20 in a red packet, the end user needs to use funds to the financial product purchased by the user, and since the amount of the settlement account 407a is less than 20, the fund 20 can be applied to the virtual bank internal account 408 by using the first data 200, and then the settlement is carried out by the virtual bank internal account 408 and the wallet main body 410; when the terminal uses the payment to settle the expenditure 30, the fund of the financial product purchased by the user is required to be used, and as the amount of the settlement account 407a is smaller than 30, the fund 30 can be transferred to the virtual bank internal account 409 by using the first data 200, and then the settlement is carried out by the virtual bank internal account 409 and the wallet main body 410; after the first data 200 fund the subscription fund, the P2P transfer and the red package settlement fund, and the payment settlement, the funds in the first account are increased 140. It will be appreciated that the amount of the settlement account 407a is preferably used when the amount of the settlement account 407a is sufficient to pay the amount generated by 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 amount generated is insufficient to pay, the first amount obtained by subscription settlement is used using subscription information after the time of day of subscription expiration.

Referring also to FIG. 4, the funds company 412 will pay the amount 65 of the quick-change share redemption, 60 of the amount 65 being the fund amount, 5 being the fund benefit amount, both the fund amount 60 and the fund benefit amount 5 being increased into the first account 413, where the amount in the first account 413 is 205, so after the end user 414 has quickly redeemed the amount 20 into the "change" and/or "bank card", since the redemption is the first data 200 used to refund the fund being purchased 15:00 the next day after 15:00, the first data 200 can be used to pay the fund being purchased at 15:00 the next day, and the fund being paid by the settlement account 415, where the amount in the settlement account 415 used to pay the fund being paid is 185, since the amount in the settlement account 415 is insufficient to pay the amount of the first data 200, the settlement account 418a is required to pay the funds account 200 for the fund being paid 417. The next day 15:00, when the end user uses P2P to transfer and settle the expenditure 30 in red package, the fund of the financial product purchased by the user needs to be used, and at this time, the fund 30 can be transferred to the internal account 419 of the virtual bank through the settlement account (first account) 418a, and then the internal account 419 of the virtual bank and the wallet body 421 are settled; when the terminal uses the payment settlement expense 80, funds of financial products purchased by the user are required to be used, the funds 80 can be filled into the virtual bank internal account 420 through the settlement account (first account) 418a, and then the virtual bank internal account 420 and the wallet main body 421 are settled; after the settlement account (first account) 418a funds the subscription fund, the P2P transfer and red package settlement fund, and the payment settlement, funds in the settlement account (first account) 418b are reduced 125.

Referring also to FIG. 4, the fund company 423 pays out the quick-redemption share redemption 140 on the same day, 130 in the funded funds 140 is the funding return, 10 is the funding return, and both the funding return 140 and the funding return 10 are added to the settlement account (first account) 418b, at which point the funds in the settlement account (first account) 424 are added 15.

According to the embodiment of the invention, the first data obtained by subscription settlement of subscription information after the current subscription expiration time can be used as a pad part, so that the first data can be timely supplemented when the amount of the settlement account is insufficient, and the running reliability of the system can be ensured under the condition of providing data utilization efficiency.

Blockchains are novel application modes of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanisms, encryption algorithms, and the like. The Blockchain (Blockchain), which is essentially a decentralised database, is a string of data blocks that are generated by cryptographic means in association, each data block containing a batch of information of network transactions for verifying the validity of the information (anti-counterfeiting) and generating the next block. The blockchain may include a blockchain underlying platform, a platform product services layer, and an application services layer.

The blockchain underlying platform may include processing modules for user management, basic services, smart contracts, operation monitoring, and the like. The user management module is responsible for identity information management of all blockchain participants, including public and private key generation (account management), key management, corresponding relation maintenance (authority management) of the true identities of users and blockchain addresses, and the like, and under the condition of authorization, manages and audits transaction conditions of certain true identities, and provides rule configuration (wind control audit) of risk control. The basic service module is deployed on all blockchain node devices, is used for verifying the validity of a service request, recording the service request on a storage after the valid request is identified, firstly analyzing and authenticating the interface (interface adaptation) for a new service request, then encrypting the service information (identification management) through an identification algorithm, completely and consistently transmitting the encrypted service information to a shared account book (network communication), and recording and storing the service information, for example, the new service request is first subscription information, firstly analyzing and authenticating the interface (interface adaptation), then encrypting the first subscription information through the identification algorithm (identification management), completing the consistent transmission to the shared account book (network communication) after the encryption, and storing the first subscription information after the first encryption. The intelligent contract module is responsible for registering and issuing contracts, triggering contracts and executing contracts, a developer can define contract logic through a certain programming language, issue the contract logic to a blockchain (contract registering), invoke keys or other event triggering execution according to the logic of contract clauses to complete the contract logic, and simultaneously provide a function of registering contract upgrading; the operation monitoring module is mainly responsible for deployment in the product release process, modification of configuration, contract setting, cloud adaptation and visual output of real-time states in product operation, for example: alarms, monitoring network conditions, monitoring node device health status, etc.

The platform product service layer provides basic capabilities and implementation frameworks of typical applications, and developers can complete the blockchain implementation of business logic based on the basic capabilities and the characteristics of the superposition business. The application service layer provides the application service based on the block chain scheme to the business participants for use.

Referring to fig. 5A, fig. 5A is a schematic diagram of a data sharing system of a data processing method based on rolling stock, where the data sharing system 500 refers to a system for performing data sharing between nodes, and the data sharing system may include a node 501, a node 502, a node 503, a node 504, a node 505, and so on, and the plurality of nodes may refer to respective 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 payment account is located, the node 504 may refer to a client where an account of a fund company is located, and the node 505 may refer to a client where a connectable value storage tool 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 the information intercommunication in the data sharing system, information connection can exist between each node in the data sharing system, and the nodes can transmit information 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 store the input information as data in the shared data, so that the data stored on all 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 settlement information after the subscription expiration time, other nodes in the data sharing system (for example, the node 501, the node 503, the node 504, and the node 505) may acquire the first subscription information according to the 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 based on the first subscription information, and settlement information may be stored in the blockchain.

For each node in the data sharing system 500, there is a node identifier corresponding to the node, 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 may be broadcast to other nodes in the data sharing system according to the node identifiers of the other nodes. Each node can maintain a node identification list shown in the following table, and the node names and the node identifications are correspondingly stored in the node identification list. The node identifier may be an IP (Internet Protocol, protocol of interconnection between networks) address, and any other information that can be used to identify the node, and the IP address is only illustrated in table 1.

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. The blockchain is composed of a plurality of blocks, referring to a block structure schematic diagram in the blockchain provided by the embodiment of the invention shown in fig. 5B, the blockchain is composed of a plurality of blocks, an initial block comprises a block head and a block main body, the block head 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 father 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 father 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 are associated with the block data stored in the father block, and the safety of the input information in the block is ensured.

In generating each block in the blockchain, referring to fig. 5C, fig. 5C is a schematic diagram of new block generation in the blockchain according to the embodiment of the present invention, and a new block generation process includes: 1. the node monitors the input information of the whole network; 2. verifying input information, storing the input information into a memory pool, and updating a hash value; 3. updating the time stamp; 4. attempting a different random number; 5. calculating a characteristic value; 6. repeating the steps 2-5 until a reasonable characteristic value is found; 7. packaging blocks; 8. an outbound broadcast block; 9. after other nodes verify, they are chained into the blockchain. It can be understood that when the node where the blockchain is located receives the input information, the input information is checked, after the checking is completed, the input information is stored in the memory pool, and the hash tree used for recording the input information is updated; then, updating the update time stamp to the time of receiving the input information, trying different random numbers, and calculating the characteristic value for a plurality of 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 eigenvalue algorithm used to calculate eigenvalues; version (version number) is version information of the related block protocol in the block chain; the prev_hash is the block header characteristic value of the parent block of the current block; the merkle_root is a characteristic value of input information; ntime is the update time of the update timestamp; the nbits is the current difficulty, is a fixed value in a period of time, and is determined again after exceeding a fixed period of time; x is a random number; TARGET is a eigenvalue threshold that can be determined from nbits.

Thus, when the random number meeting the formula is calculated, the information can be correspondingly stored to generate the block head and the block main body, and the current block is obtained. And then, the node where the blockchain 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 identification of other nodes in the data sharing system 500, the other nodes verify the newly generated blocks, and after the verification is completed, the newly generated blocks are added into the blockchain stored in the newly generated blocks.

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

Taking the distributed system as a blockchain system as an example, referring To fig. 6, fig. 6 is an optional structural schematic diagram of a distributed system 600 of a data processing method based on rolling stock applied To the blockchain system, where the distributed system is formed by a plurality of nodes (any form of computing devices in an access network, such as a server and a user terminal) and clients, a Peer-To-Peer (P2P) network is formed between the nodes, and the P2P protocol is an application layer protocol running on top of a transmission control protocol (TCP, transmission Control Protocol) protocol. In a distributed system, any machine, such as a server, a terminal, may join to become a node, including a hardware layer, an intermediate layer, an operating system layer, and an application layer.

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

1) The routing, the node has basic functions for supporting communication between nodes.

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

2) The application is used for being deployed in a block chain to realize specific service according to actual service requirements, recording data related to the realization function to form recorded data, carrying a digital signature in the recorded data to represent the source of task data, sending the recorded data to other nodes in the block chain system, and adding the recorded data into a temporary block when the source and the integrity of the recorded data are verified by the other nodes.

For example, the services implemented by the application include:

2.1 A wallet for providing the function of conducting electronic money transactions, which may be a connectible stored value tool, including initiating a transaction (i.e., sending a transaction record of the current transaction to other nodes in the blockchain system, the other nodes, after verification, storing record data of the transaction in a temporary block of the blockchain in response to acknowledging that the transaction is valid; of course, the wallet also supports inquiry of remaining electronic money in the electronic money address;

2.2 A shared ledger for providing functions of operations such as storing, inquiring, and modifying account data, transmitting record data of operations on account data to other nodes in the blockchain system, after other nodes verify that the account data is valid, storing the record data in a temporary block as a response to acknowledging that the account data is valid, and transmitting acknowledgement to the node initiating the operations, for example, the shared ledger may be used for providing functions of operations such as storing, inquiring, and modifying first redemption information and redemption information including quick redemption information, payment information, redemption information, and redemption information, etc., and transmitting the record data of operations on the above-mentioned information data to other nodes in the blockchain system.

2.3 A computerized agreement, which can execute the terms of a certain contract, through the code implementation deployed on the shared ledger for executing when certain conditions are met, according to the actual business demand code for completing the automated transaction, for example, inquiring the physical distribution state of the financial commodity purchased by the user terminal, and transferring the electronic money of the buyer to the address of the merchant after the buyer signs the goods in the embodiment of the invention; of course, the smart contract is not limited to executing the contract for the transaction, and may execute a contract that processes the received information.

3) The blockchain comprises a series of blocks (blocks) which are connected with each other according to the generated sequence time, the new blocks are not removed once being added into the blockchain, and record data submitted by nodes in the blockchain system are recorded in the blocks.

Referring to fig. 7, fig. 7 is an optional Block Structure (Block Structure) provided in 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 each Block is connected by the hash value to form a Block chain. In addition, the block may include information such as a time stamp at the time of block generation. The Blockchain (Blockchain), which is essentially a de-centralized database, is a string of data blocks that are generated in association using cryptographic methods, each of which contains associated information that is used to verify the validity (anti-counterfeiting) of its information and to generate the next block. In order to facilitate better implementation of the foregoing solutions of the embodiments of the present invention, the present invention further correspondingly provides an account login device, and the following details are described with reference to the accompanying drawings:

as shown in fig. 8, a functional unit schematic of a data processing apparatus 80 based on rolling stock provided in an embodiment of the present invention, an account login apparatus 80 may include: an acquisition unit 801, a subscription settlement unit 802, a transfer unit 803, wherein,

An acquiring unit 801, configured to acquire first subscription information by an electronic device; the first subscription information comprises subscription information after the current day subscription expiration time;

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

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

a settlement unit 804, configured to, if a settlement account for the rolling stock is settled according to settlement information, cause the amount of the settlement account to be smaller than a settlement amount corresponding to the settlement information, and cause the electronic device to settle a target settlement amount according to the amount of the first account; the target settlement amount is a difference between the settlement amount corresponding to the settlement information and the settlement account amount.

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

In one possible implementation, the settlement unit 804 is further configured to use the settlement information including 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, if the settlement information is payment information, where the payment information is sent after the payment is made by the connectable stored-value tool when the payment operation is made, perform settlement with the connectable stored-value tool according to the payment information by the settlement account for the rolling stock.

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

In one possible implementation, the settlement unit 804 is further configured to obtain a redemption amount after performing a redemption operation based on the redemption information when the electronic device obtains redemption information, the redemption amount being used to supplement the first account based on the target settlement amount, the electronic device settling the target settlement amount based on the first account amount.

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 7, which is not repeated here.

Fig. 9 is a schematic structural diagram of a data processing apparatus based on rolling stock according to an embodiment of the present invention. As shown in fig. 9, the 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 other means, as illustrated in 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 input/output ports, or 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, read-Only Memory (ROM) or other type of static storage device that can store static information and instructions, random access Memory (random access Memory, RAM) or other type of dynamic storage device that can store information and instructions, electrically erasable programmable read-Only Memory (Electrically Erasable Programmable Read-Only Memory, EEPROM), compact disc read-Only Memory (Compact Disc Read-Only Memory) or other optical disk storage, optical disk storage (including compact disc, laser disc, optical disc, digital versatile disc, blu-ray disc, etc.), magnetic disk storage media or other magnetic storage devices, 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, for example, uCOS, vxWorks, RTLinux. The memory 902 may also store network communication programs that may be used to communicate with one or more additional devices, one or more user devices, and one or more electronic devices. The memory may be stand alone and coupled to the processor via a bus. The memory may also be integrated with 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 code stored in the memory 902.

The processor 901 may be a central processor unit, a general purpose processor, a digital signal processor, an application specific integrated circuit, a field programmable gate array or other programmable logic device, a transistor logic device, a hardware component, or any combination thereof. Which may implement or perform the various exemplary logic blocks, modules and circuits described in connection with this disclosure. The processor may also be a combination that performs certain functions, such as a combination comprising one or more microprocessors, a combination of a digital signal processor and a microprocessor, or the like.

In an embodiment of the invention, processor 901 may be used to read and execute computer readable instructions. In particular, the processor 901 may be configured to invoke a program stored in the memory 902, for example, a program for implementing the method for processing data based on rolling stock on the electronic device 900 side provided in one or more embodiments of the present invention, and execute instructions included in the program.

It should be noted that, the electronic device 900 shown in fig. 9 is merely an implementation manner of the embodiment of the present invention, and in practical application, the electronic device 900 may further include more or fewer components, which is not limited herein. For specific implementation of the electronic device 900, reference may be made to the foregoing descriptions of the method embodiments shown in fig. 2 to fig. 7, which are not repeated herein.

In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to related descriptions of other embodiments.

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

In the several embodiments provided by the present invention, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, such as the above-described division of units, merely a division of logic functions, and there may be additional manners of dividing in actual implementation, such as multiple units or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, or may be in electrical or other forms.

The units described above as separate components may or may not be physically separate, and components shown as units may or may not be physical units, may be located in one place, or may be distributed over a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.

The integrated units described above, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on this understanding, the technical solution of the present invention may be embodied in essence or a part contributing to the prior art or all or part of the technical solution, in the form of a software product stored in a storage medium, including several instructions for causing a computer device (which may be a personal computer, a server or a network device, etc., in particular may be a processor in the computer device) to perform all or part of the steps of the above-mentioned method according to the embodiments of the present invention. Wherein the aforementioned storage medium may comprise: various media capable of storing program codes, such as a U disk, a removable hard disk, a magnetic disk, a compact disk, a Read-Only Memory (abbreviated as ROM), or a random access Memory (Random Access Memory, abbreviated as RAM), are provided.

Those of ordinary skill in the art will appreciate that implementing all or part of the above-described method embodiments may be accomplished by a computer program to instruct related hardware, the program may be stored in a computer readable storage medium, and the program may include the above-described method embodiments when executed. And the aforementioned storage medium includes: ROM or random access memory RAM, magnetic or optical disk, etc.

Claims (9)

1. A method for processing data based on rolling stock, the method comprising:

the electronic equipment acquires subscription information of the user in real time through a settlement account for the rolling stock;

the electronic equipment acquires first subscription information; the first subscription information is subscription information from the time of day subscription expiration to the time of day subscription expiration before the time of day subscription expiration in the subscription information of the user;

the electronic equipment uses the settlement account for the rolling stock to perform subscription settlement according to the first subscription information based on a preset time interval to obtain first data;

the electronic equipment transfers the first data from the settlement account for the rolling stock to a first account, wherein the first account is an account for funding the settlement account for the rolling stock by using the first data;

The electronic device uses the settlement account for the rolling stock to perform settlement according to settlement information at a first time point based on a second period, wherein the second period is from a current day subscription expiration time to a next day subscription expiration time, the first time point is a preset time point from the current day subscription expiration time to the next day subscription expiration time, and the settlement information comprises: quick redemption information, payment information, redemption information, and subscription withdrawal information, the subscription withdrawal information corresponding to subscription information of the user prior to a time of day of expiration of the subscription;

if the settlement account for the rolling stock is settled according to at least one of the settlement information, the amount of the settlement account for the rolling stock 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 between the settlement amount corresponding to the settlement information and the amount of the settlement account for the rolling stock.

2. The method of claim 1, wherein the settlement account for the rolling stock settles based on at least one of the settlement information comprises:

The settlement information is payment information, the payment information is transmitted after the payment is carried out by the connectable stored-value tool when the payment operation is carried out, and the settlement account for the rolling stock is used for settlement with the connectable stored-value tool according to the payment information.

3. The method of claim 2, wherein the settlement by the settlement account for the rolling stock with the connectable stored-value instrument based on the payment information comprises:

and settling the settlement account for the rolling stock with the connectable stored-value tool according to the payment information at a first time point based on a second period.

4. The method of claim 1, wherein the settlement account for the rolling stock settles based on at least one of the settlement information comprises:

and if the settlement information is quick redemption information, performing real-time settlement according to the quick redemption information by the settlement account for the rolling stock.

5. 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 device obtains redemption information, redemption amount is obtained after performing redemption operation based on the redemption information, the redemption amount being used to replenish the target settlement amount into the first account based on the target settlement amount, the electronic device settling the target settlement amount based on the first account amount.

6. The method of any of claims 1-5, wherein at least one of the following information is stored in a blockchain:

the first subscription information;

the first data;

and the settlement information.

7. A data processing apparatus based on rolling stock, the apparatus comprising:

the electronic equipment is used for acquiring subscription information of a user in real time through a settlement account for the rolling stock and acquiring first subscription information; the first subscription information is subscription information from the time of day subscription expiration to the time of day subscription expiration before the time of day subscription expiration in the subscription information of the user;

the electronic equipment uses the settlement account for the rolling stock to perform subscription settlement according to the first subscription information based on a preset time interval to obtain first data;

a transfer unit, configured to transfer the first data from the settlement account for the rolling stock to a first account, where the first account is an account for funding the settlement account for the rolling stock using the first data;

the settlement unit is used for settling accounts of the rolling stock according to settlement information at a first time point based on a second period by using the electronic equipment, wherein the second period is from the current day subscription expiration time to the next day subscription expiration time, the first time point is a preset time point from the current day subscription expiration time to the next day subscription expiration time, and the settlement information comprises: quick redemption information, payment information, redemption information, and subscription withdrawal information, the subscription withdrawal information corresponding to subscription information of the user prior to a time of day of expiration of the subscription; and the electronic equipment is used for settling the target settlement amount according to the amount of the first account if the amount of the settlement account for the rolling stock is smaller than the corresponding settlement amount of the settlement information when the settlement is carried out according to at least one of the settlement information; the target settlement amount is a difference between the settlement amount corresponding to the settlement information and the amount of the settlement account for the rolling stock.

8. The data processing equipment based on the rolling stock 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 external equipment; the processor is configured to invoke a computer program to perform the method of any of claims 1-6.

9. 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 of any of claims 1-6.