CN111738708A - Data processing method, device, server and storage medium - Google Patents
Data processing method, device, server and storage medium Download PDFInfo
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Abstract
The embodiment of the invention discloses a data processing method, a data processing device, a server and a storage medium. The method comprises the following steps: acquiring deposit receipt data; determining an online payment account according to the user identification information in the deposit receipt data, wherein the online payment account is not bound with any bank card; and adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data. The embodiment of the invention provides a safe recharging mode aiming at the online payment account by determining the online payment account associated with the user identification information and recharging the online payment account in a direct deposit mode, thereby avoiding the bank card account information safety problem possibly caused by binding the bank card with the online payment account.
Description
Technical Field
Embodiments of the present invention relate to computer technologies, and in particular, to a data processing method, an apparatus, a server, and a storage medium.
Background
With the digital transformation of commercial bank information system construction in recent years, the number of off-line network point transactions of users in banks is gradually reduced, and most bank users can successfully complete the transformation from off-line to on-line thanks to the development of mobile phone banks and online banks in various channels and the convenience brought by online payment.
However, a small number of users are not used to online payment because the online payment needs to be recharged through a bank card, and the manner of binding the bank card and immediately transferring money out by inputting a password is not safe. Because of this concern, this segment of the user may not enjoy the convenience of online payment. How to realize online account recharging without binding a bank card and further complete online payment becomes a problem to be solved urgently.
Disclosure of Invention
Embodiments of the present invention provide a data processing method, apparatus, server, and storage medium, which can implement recharging an online payment account without binding a bank card.
In a first aspect, an embodiment of the present invention provides a data processing method, including:
acquiring deposit receipt data;
determining an online payment account according to the user identification information in the deposit receipt data, wherein the online payment account is not bound with any bank card;
and adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data.
In a second aspect, an embodiment of the present invention further provides a data processing apparatus, including:
the data acquisition module is used for acquiring deposit receipt data;
the account determining module is used for determining an online payment account according to the user identification information in the deposit receipt data, wherein the online payment account is not bound with any bank card;
and the amount adjusting module is used for adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data.
In a third aspect, an embodiment of the present invention further provides a server, where the server includes:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a data processing method as provided by any of the embodiments of the invention.
In a fourth aspect, embodiments of the present invention also provide a storage medium containing computer-executable instructions, which when executed by a computer processor, are used to perform the data processing method provided in any of the embodiments of the present invention.
According to the data processing method provided by the embodiment of the invention, the online payment account associated with the user identification information is determined according to the user identification information in the deposit receipt data, the online payment account is not bound with any bank card, and the account amount of the online payment account is adjusted according to the deposit amount in the deposit receipt data, so that the online payment account can be charged without binding the bank card, the safety problem of the account information of the bank card possibly caused by binding the bank card with the online payment account is avoided, and the convenient online payment is realized.
Drawings
FIG. 1 is a flow chart of a data processing method according to a first embodiment of the present invention;
FIG. 2 is a flow chart of another data processing method according to a second embodiment of the present invention;
FIG. 3 is a flow chart of another data processing method according to a third embodiment of the present invention;
FIG. 4 is a flowchart of another data processing method according to a third embodiment of the present invention;
FIG. 5 is a flow chart of another data processing method according to a fourth embodiment of the present invention;
fig. 6 is a schematic structural diagram of a data processing apparatus according to a fifth embodiment of the present invention;
fig. 7 is a schematic structural diagram of a server in the sixth embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
Fig. 1 is a flowchart of a data processing method in an embodiment of the present invention, where the embodiment is applicable to a case of online payment account recharging, the method may be executed by a data processing apparatus, and the apparatus may be implemented in a software/hardware manner. The apparatus may be configured in a server that performs data processing. As shown in fig. 1, the method specifically includes:
in step S110, deposit slip data is acquired.
The deposit receipt is an important certificate for the user to transact the deposit, and in the banking system, the user can deposit cash into the storage account of the individual or other person of the bank by filling various information on the deposit receipt. The deposit slip data is data described in the deposit slip. For example, account number, account name, certificate type, certificate number, user identification information, currency, deposit type, deposit amount, deposit time, withdrawal time (if the balance of the online payment account is not zero, withdrawal time is the time withdrawn from the online payment account), other information, etc. may be included, and personal information and deposit information of the user may be provided.
It should be noted that, if the balance of the online payment account is not zero, the cash withdrawal operation may be performed on the online payment account based on the bill filled by the user.
Illustratively, a teller terminal in a bank is provided with a client, and the client is in long connection with a server through a set communication protocol. The user fills in a deposit receipt on a bank counter by holding cash, a bank teller inputs deposit receipt data into a client, and the deposit receipt data is sent to a server through the client. For example, a counter operator obtains the deposit slip data filled by the deposit user and records the deposit slip data into the client. Or, the hall operator guides the deposit user to input deposit receipt data into the client through the self-service equipment. And the server acquires the deposit receipt data sent by the client.
And step S120, determining an online payment account according to the user identification information in the deposit receipt data, wherein the online payment account is not bound with any bank card.
In the embodiment of the present invention, the user identification information in the deposit receipt data refers to information capable of contacting the user and/or identifying the user identity, for example, the user identification information may include a mobile phone number, a micro signal, a username, a certificate number, and the like.
An online payment account is an electronic account that may be used for online payment at the time of consumption by a user. In the embodiment of the invention, the online payment account can be an electronic account registered on a bank platform or an electronic account registered on a third-party payment platform. For example, the online payment account may be an account that performs online payments such as a financial, longpay, paypal, wechat, or shared bike account. The financial business is an electronic commerce financial service platform based on specialized financial services, which is promoted by China construction banks, financing money flow, information flow and logistics are integrated, and all-round professional services such as information release, online transaction, payment settlement, installment payment, financing loan, capital escrow, real estate transaction and the like are provided for users. Dragon payment is a unified payment brand which is brought out by China construction banks by using internet thinking and customer experience, integrates the existing full-series products such as network payment and mobile payment, and has eight functions of building wallets, building two-dimensional codes, full-card payment, dragon card cloud flash payment, free taking, friend payment, AA (advanced financial) collection, dragon merchants and the like.
Illustratively, according to the association relationship between the user identification information in the deposit receipt data and the online payment account, the corresponding online payment account is determined. For example, the server matches the corresponding dragon payment according to the mobile phone number in the deposit receipt data.
Or the server accesses the third party payment platform through an interface provided by the third party payment platform so as to inquire a WeChat card packet or a Paibao account and the like bound with the mobile phone number according to the mobile phone number in the deposit slip data.
It should be noted that the online payment account in the embodiment of the present invention is an electronic account not bound with any bank card. Some users consider that the online payment is not safe in an online payment mode by binding a bank card and inputting a password, so that the users do not bind any bank card although registering an online payment account. Still other users do not register online payment accounts for the reasons described above.
It should be noted that the embodiment of the present invention is also applicable to an online payment account to which a bank card has been previously bound. For example, if the balance in the bound bank card is insufficient, cash can be directly stored into the account of the bound bank card in the manner of the embodiment of the invention, and then the online payment account can be recharged through the bank card.
And step S130, adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data.
Note that the deposit amount refers to the amount of deposit that the user fills in the deposit slip data. The filling content of the deposit amount can be Chinese upper case amount figures and Chinese lower case amount figures, wherein the Chinese upper case amount figures refer to replacing figures by Chinese characters with same tones as the figures, the Chinese lower case amount figures refer to Arabic figures, the Chinese upper case amount figures correspond to the Chinese lower case amount figures, and the amount is marked again by the Chinese characters which are harmonic to the figures so as to prevent the amount figures from being tampered.
The account amount refers to the amount of unused money existing in the online payment account, such as the balance of a WeChat wallet or the balance of a payment treasure. The account amount may be used for online payment, transfer, payment and repayment, financing, or fund purchase, etc.
Illustratively, the deposit amount and the mobile phone number in the deposit receipt data are obtained, an online payment account in the bank platform corresponding to the mobile phone number is determined, and the account amount of the online payment account is adjusted according to the deposit amount.
Or acquiring the deposit amount and the mobile phone number in the deposit receipt data, inquiring account registration information in a third-party payment platform through an interface provided by the third-party payment platform, determining an online payment account in the third-party payment platform corresponding to the mobile phone number, and sending the deposit amount to the corresponding third-party payment platform so as to instruct the third-party payment platform to adjust the account amount of the online payment account according to the deposit amount.
Illustratively, special groups such as farmers, low-income groups in cities and towns, poor groups, disabled persons and old people are popular financial key service objects in China at present, and the users still cannot use online payment because the users cannot keep pace with digital transformation.
According to the data processing method provided by the embodiment of the invention, the online payment account associated with the user identification information in the deposit receipt data is determined according to the user identification information in the deposit receipt data, the online payment account is not bound with any bank card, and the account amount of the online payment account is adjusted according to the deposit amount in the deposit receipt data, so that the online payment account can be charged without binding the bank card, the safety problem of the account information of the bank card possibly caused by binding the bank card with the online payment account is avoided, and the convenient online payment is realized.
Example two
Fig. 2 is a flowchart of a data processing method in a second embodiment of the present invention, and this embodiment performs optimization based on the above embodiment, as shown in fig. 2, the method includes:
step S210, when a deposit event is detected, acquiring an operator identifier, and performing authority verification according to the operator identifier.
The deposit event is an event of operator authority verification triggered by a deposit operation input by a bank teller at a client. In the embodiment of the invention, the deposit event can be an event which triggers the verification of the operator authority in the process of depositing on the online payment account. For example, the server detects a deposit request sent by the client, obtains type identification information in the deposit request, judges whether the current deposit request is a deposit request for an online payment account according to the type identification information, and triggers a deposit event if the current deposit request is the deposit request for the online payment account. Or the server detects a deposit request sent by the client, judges whether the deposit request contains a deposit account, and triggers a deposit event if the deposit request does not contain the deposit account. It should be noted that the manner of triggering the deposit event may be many, and the embodiment of the present invention is not limited in particular.
Operator identification refers to the identity authentication of the operator, for example: in the bank system, the mode of combining a teller number and a password, combining a teller authority magnetic card and the password, and recognizing the fingerprint or the face of a teller is used as identity authentication.
Authority checking refers to verifying the extent and degree of operator-executable operations in order to ensure effective performance of duties. The authority verification is identity authentication according to the operator identification after the deposit event is detected. If the authority check of the operator passes the authentication, the operator can access and/or execute the operation within the authority range, and if the authority check of the operator does not pass the authentication, the operator cannot access and execute the operation within the authority range. Illustratively, in the banking system, if a teller passes the deposit right verification, the teller may perform a deposit operation in the banking system, and if the teller does not pass the deposit right verification, the teller may not perform the deposit operation in the banking system.
Optionally, at least two operator identifications are obtained, and one of the two operator identifications matches with the identification stored in the server, the authentication is considered to be passed. If both operator identities do not match the identity stored in the server, the authentication is considered to have failed.
Optionally, in the process that the bank teller logs in the client to perform a deposit operation on the online payment account, the server sends verification information to the client to display a verification dialog box in the client, where the verification dialog box prompts: please enter the administrator identification. And the client acquires the administrator identification and sends the administrator identification to the server. And the server acquires the administrator identification and carries out permission verification.
Illustratively, the administrator identification is stored in the server in advance, and when the deposit event is detected, if the operator identification of the operator and the administrator identification of the administrator are acquired at the same time, the authentication is passed. If all the acquired operator identifications are not stored in the server in advance, the authentication fails.
By adding the authority verification process of the operator, the situation that the bank internal personnel forges cash deposit behavior and recharges the online payment account is avoided.
Step S220, if the authority check is passed, the client acquires the deposit receipt data, establishes an intermediate account according to the deposit receipt data, and stores the deposit amount in the deposit receipt data through the intermediate account.
The client is an application program configured in a computer of a banking site.
And if the authority passes the verification, the server acquires the deposit receipt data from the client.
The intermediate account refers to an account for temporarily storing data, and after the server acquires the deposit receipt data, the server establishes the intermediate account according to the deposit receipt data to temporarily store the deposit receipt data, or deletes the intermediate account after the deposit is completed.
The deposit amount in the deposit receipt data is stored through the intermediate account, the deposit amount in the deposit receipt data is temporarily stored in the intermediate account, and when the deposit amount in the deposit receipt data needs to be changed or returned, the intermediate account serving as an intermediate medium can adapt to the change situation in the actual operation.
Step S230, determining an online payment account according to the user identification information in the deposit receipt data, wherein the online payment account is not bound with any bank card.
And step S240, adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data.
And step S250, generating a deposit record, recording a standing book, and deleting the intermediate account, wherein the deposit record is used for recording the full-process information of the deposit.
The deposit record is information records from beginning to end in the process of pointing to the online payment account deposit, and is used for recording the whole process information of the deposit, wherein the whole process information is used for recording important information and deposit process information in the deposit process, and can comprise fund sources, fund flow directions, money amounts, and handling personnel, and the like, so that later inquiry is facilitated.
The standing book refers to information sources of information, operation processes and the like of bank management business, and has various types, for example: cash flow ledger, account management ledger, bank deposit ledger or work ledger and the like.
And the generated deposit record is recorded into a standing book, so that the bank can conveniently count and store deposit information, and reference basis can be provided for various later businesses. The account amount of the online payment account is adjusted according to the deposit amount in the deposit receipt data, and after the deposit record is recorded into the standing book, the intermediate account is deleted, so that the storage space of the server can be saved.
According to the data processing method provided by the embodiment of the invention, before the online payment account is determined, the authority needs to be verified according to the operator identification, so that the situation that the bank internal personnel forges cash deposit behavior and recharges the online payment account is avoided, and the safety of the online payment account is enhanced. According to the deposit receipt data, an intermediate account for storing the deposit amount in the deposit receipt data is established, the problem that the deposit amount may need to be changed or returned in actual operation is solved, the change situation in the actual operation can be adapted, and the storage space can be released by deleting the intermediate account after the deposit is finished.
EXAMPLE III
Fig. 3 is a flowchart of a data processing method in a third embodiment of the present invention, and this embodiment performs optimization based on the above embodiment, as shown in fig. 3, the method includes:
in step S310, deposit slip data is acquired.
In step S320, the user identification information in the deposit receipt data is acquired.
And step S330, inquiring the registration information of the online payment account according to the user identification information, and determining the online payment account corresponding to the user identification information according to the inquiry result.
The online payment account registration information refers to information of an online payment account that the user has registered. In the embodiment of the invention, the online payment account registration information is used for determining whether the user already owns the online payment account. For example, the online payment account registration information may include an online payment account platform, account name, contact address, identity authentication, and the like.
For example, the manner of querying the online payment account registration information according to the user identification information may include querying whether an account capable of performing online payment, such as a financial transaction, a long payment, a pay bank, a WeChat, or a shared bicycle wallet, is registered according to a mobile phone number in the deposit receipt data, and determining an account capable of performing online payment corresponding to the mobile phone number according to a query result.
And step S340, adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data.
Fig. 4 is a flowchart of another data processing method in the third embodiment of the present invention, and optionally, the querying online payment account registration information according to the user identification information, and determining an online payment account corresponding to the user identification information according to the query result includes:
step S331, inquiring online payment account registration information according to the user identification information, wherein the online payment account registration information includes online payment account registration information in the bank system and online payment account registration information of the third party payment platform, and executing step S332 and step S334 respectively.
In the embodiment of the invention, the bank system refers to a system for processing financial services in a bank. The financial services include account opening, deposit, withdrawal, remittance, inter-bank transfer or financial transaction. The on-line payment account registration information in the banking system refers to registration information of an on-line payment account that has been registered in the banking system, such as a financial business, a dragon payment, an online bank, an electronic credit card, or the like.
The third party payment platform is an independent mechanism with certain strength and credit guarantee, and is a network payment platform which facilitates the transaction of both parties of the transaction through the butt joint with the Unionpay or the Internet. The third party payment platform is a service intermediary mechanism belonging to a third party, and completes the function of third party guarantee payment, such as: pay treasure, WeChat payment, finance payment, national treasure payment, Yibao payment, fast money, Bai Pai treasure, network treasure, fast payment, remittance day-down or good payment navigation network, etc. The online payment account registration information of the third party payment platform refers to registration information of an online payment account which is registered by the third party payment platform.
Step S332, determining whether the user corresponding to the user identification information registers an online payment account in the bank system, if yes, performing step S333, otherwise, performing step S338.
Step S333, determining that the online payment account registered in the banking system is the first alternative account, and executing step S336.
And determining whether the user corresponding to the user identification information registers the online payment account in the bank system or not according to the query result of the online payment account registration information. If an online payment account is registered in the banking system, the online payment account registered in the bank is marked as a first alternative account.
In step S334, it is determined whether the user corresponding to the user identification information registers an online payment account on the third-party payment platform, if yes, step S335 is executed, otherwise, step S338 is executed.
Step S335, determining that the online payment account registered in the third party payment platform is the second alternative account, and executing step S336.
And determining whether the user corresponding to the user identification information registers the online payment account on the third-party payment platform or not according to the query result of the online payment account registration information. If an online payment account is registered in the banking system, the online payment account registered in the bank is marked as a first alternative account.
It should be noted that, if it is determined that the online payment account is registered in one of the banking system and the third party payment platform, the online payment account is determined as the online payment account corresponding to the user identification information.
Optionally, registration information of the online payment account provided by the deposit user is acquired to know which bank registered online payment account or which third party payment platform registered online payment account is charged, and then, a corresponding interface is called to acquire the online payment account registration information by the bank system or the third party payment platform.
Step S336, generating feedback information according to the first alternative account and the second alternative account, and sending the feedback information to the client to indicate the client to prompt the user to select the online payment account to be started.
The feedback information comprises online payment account information registered in the bank system, online payment account information registered in the third-party payment platform and account selection prompt information. In the embodiment of the invention, the feedback information is sent to the client by the server and is used for indicating the client to display the online payment account information and the account selection prompt information so as to prompt a user to select the online payment account to be started.
Illustratively, the user has an online banking account and a pay bank account which are registered through a mobile phone number at the same time, the server marks the online banking account as a first alternative account, marks the pay bank account as a second alternative account, and simultaneously sends the second alternative account and the second alternative account to the client as alternatives, so as to instruct the client to prompt the user to select whether to enable the online banking account or the pay bank account as the online payment account.
Step S337, obtaining user selection information sent by the client, and determining the first alternative account or the second alternative account as the online payment account corresponding to the user identification information according to the user selection information.
Illustratively, after the user selects an online banking account or a payment account as the online payment account, the client sends the user selection result to the server. And the server determines the alternative account selected by the user as the online payment account corresponding to the mobile phone number.
Step S338, registering an online payment account in the bank system for the user according to the deposit receipt data, and sending account information of the newly registered online payment account to the client.
Illustratively, if the user corresponding to the user identification information does not register an online payment account in the banking system or does not register the online payment account in the third-party payment platform, the online payment account is registered in the banking system for the user according to the deposit slip data, and account information of the newly registered online payment account is sent to the client to prompt the user to set a relevant password for the newly registered online payment account. The embodiment of the invention registers the online payment account for the user who does not register the online payment account so as to facilitate the online transaction.
According to the data processing method provided by the embodiment of the invention, the online payment account registration information is inquired according to the user identification information in the deposit receipt data, and the online payment account corresponding to the user identification information is determined according to the inquiry result, so that the user can conveniently select the existing online payment account without re-registering, and the deposit speed can be increased. The online payment account registered in the bank system is used as a first alternative account, the online payment account registered in the third-party payment platform is used as a second alternative account, and feedback information generated by the first alternative account and the second alternative account is sent to the client side so that the user can select the online payment account.
Example four
Fig. 5 is a flowchart of a data processing method in a fourth embodiment of the present invention, and this embodiment performs optimization based on the foregoing embodiment, as shown in fig. 5, the method includes:
in step S410, deposit slip data is acquired.
Step S420, determining an online payment account according to the user identification information in the deposit receipt data, wherein the online payment account is not bound with any bank card.
Step S430, obtaining the deposit amount, calculating the addition operation result of the deposit amount and the account balance of the online payment account, and determining the addition operation result as the adjusted account amount of the online payment account.
In other words, the sum of the deposit amount is equal to the adjusted account amount of the online payment account, i.e. the new account balance, based on the account balance of the existing online payment account.
Illustratively, the deposit amount in the deposit receipt data is acquired, if the online payment account is an account registered in the banking system, the account balance of the online payment account is acquired, and the account balance of the online payment account is modified according to the addition result of the deposit amount and the account balance.
Or, the deposit amount in the deposit receipt data is acquired, if the online payment account is an account registered in the third-party payment platform, the account balance of the online payment account is inquired through an interface provided by the third-party payment platform, the addition operation result of the deposit amount and the account balance is calculated, and the addition operation result is sent to the corresponding third-party payment platform so as to instruct the third-party payment platform to modify the account balance of the online payment account according to the addition operation result.
Step S440, obtaining mailing information in the deposit receipt data, associating the mailing information with the user identification information, and sending the associated mailing information and user identification information to an online shopping platform.
Illustratively, the mailing information may include the recipient's name, recipient's contact address, recipient's address, and recipient's zip code, among others.
Illustratively, the online shopping platform may include an online shopping mall of a bank, and may also include a third party shopping platform such as Taobao or Jingdong.
It should be noted that, for a new user in the online shopping platform, the mailing information and the user identification information are associated and then sent to the online shopping platform, so that when the online shopping platform detects that the user logs in and shops with the user identification information, the mailing information associated with the user identification information is directly acquired, and thus the mailing address is quickly determined. For old users in the online shopping platform, the mailing information does not need to be sent, and the mailing information used in the online shopping platform can be directly adopted.
Illustratively, for a new user who is good at business, the user fills in the mailing information when he first fills in the deposit slip. The server acquires the mailing information in the deposit receipt data, binds the mailing information with the mobile phone number, and can be conveniently mailed to home directly after logging in and melting business shopping through the mobile phone number without filling a mailing address.
Illustratively, the user fills in the mailing information when first filling out the deposit slip. The server acquires mailing information in the deposit receipt data, binds the mailing information with the mobile phone number, and sends the mailing address to the third party shopping platform through an interface provided by the third party shopping platform so as to associate the mobile phone number with the mailing address when a new user registers. Illustratively, in a code scanning payment scene, deduction can be directly carried out through an online account.
For example, a user can purchase a single shopping list on an online platform such as a good-melting business or a Taobao, can pay by swiping a sharing single car or scanning a two-dimensional code, and can also use the balance of a card bag of a dragon payment, WeChat or Paobao to complete online payment.
According to the data processing method provided by the embodiment of the invention, the mailing information in the deposit receipt data is associated with the user identification information, and the associated mailing information and the user identification information are sent to the online shopping platform, so that the user can conveniently and conveniently carry out online shopping under the online shopping platform, and further, the convenient online payment is realized.
EXAMPLE five
Fig. 6 is a schematic structural diagram of a data processing apparatus according to a fifth embodiment of the present invention. The device can be realized by software and/or hardware, can be generally integrated in a server, and can recharge the online payment account by executing a data processing method. As shown in fig. 6, the apparatus includes:
a data obtaining module 510, configured to obtain deposit slip data;
an account determining module 520, configured to determine an online payment account according to the user identification information in the deposit receipt data, where the online payment account is not bound with any bank card;
and an amount adjusting module 530, configured to adjust an account amount of the online payment account according to the deposit amount in the deposit receipt data.
Optionally, the data obtaining module 510 is specifically configured to:
when a deposit event is detected, acquiring an operator identifier, and performing authority verification according to the operator identifier;
if the authority passes the verification, the client acquires deposit receipt data, establishes an intermediate account according to the deposit receipt data, and stores the deposit amount in the deposit receipt data through the intermediate account;
and, the data processing apparatus further comprises a record generation module configured to:
and after the account amount of the online payment account is adjusted according to the deposit amount in the deposit receipt data, generating a deposit record, recording the deposit record into a machine account, and deleting the intermediate account, wherein the deposit record is used for recording the full-process information of the deposit.
Optionally, the account determination module 520 includes:
a user identification information acquisition unit, configured to acquire user identification information in the deposit slip data;
and the registration information inquiry unit is used for inquiring the registration information of the online payment account according to the user identification information and determining the online payment account corresponding to the user identification information according to the inquiry result.
Optionally, the registration information querying unit is specifically configured to:
inquiring online payment account registration information according to the user identification information, wherein the online payment account registration information comprises online payment account registration information in a bank system and online payment account registration information of a third-party payment platform;
if the user corresponding to the user identification information registers an online payment account in a bank system, determining that the online payment account registered in the bank system is a first alternative account;
if the user corresponding to the user identification information registers an online payment account on a third-party payment platform, determining that the online payment account registered in the third-party payment platform is a second alternative account;
generating feedback information according to the first alternative account and the second alternative account, and sending the feedback information to a client to indicate the client to prompt a user to select an online payment account to be started;
and acquiring user selection information sent by a client, and determining that the first alternative account or the second alternative account is an online payment account corresponding to the user identification information according to the user selection information.
Optionally, the registration information querying unit is further specifically configured to:
after inquiring the registration information of the online payment account according to the user identification information, if the user corresponding to the user identification information does not register the online payment account in the bank system or does not register the online payment account in the third party payment platform, registering an online payment account in the bank system for the user according to the deposit receipt data, and sending account information of the newly registered online payment account to the client.
Optionally, the amount adjusting module 530 is specifically configured to:
and acquiring the deposit amount, calculating an addition operation result of the deposit amount and the account balance of the online payment account, and determining the addition operation result as the adjusted account amount of the online payment account.
Optionally, the data processing apparatus further includes a mailing information obtaining module, configured to:
after the account amount of the online payment account is adjusted according to the deposit amount in the deposit receipt data, the mailing information in the deposit receipt data is obtained, the mailing information is associated with the user identification information, and the associated mailing information and the user identification information are sent to an online shopping platform.
The data processing device provided by the embodiment of the invention can execute the data processing method provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method.
EXAMPLE six
Fig. 7 is a schematic structural diagram of a server according to a sixth embodiment of the present invention, as shown in fig. 7, the server includes a processor 610, a memory 620, an input device 630, and an output device 640; the number of the processors 610 in the server may be one or more, and one processor 610 is taken as an example in fig. 7; the processor 610, the memory 620, the input device 630 and the output device 640 in the server may be connected by a bus or other means, and fig. 7 illustrates an example of a connection by a bus.
The memory 620, as a computer-readable storage medium, may be used to store software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the data processing method in the embodiment of the present invention (e.g., the deposit receipt data acquisition module 510, the online payment account determination module 520, and the account amount adjustment module 530 in the data processing apparatus). The processor 610 executes various functional applications of the server and data processing by executing software programs, instructions, and modules stored in the memory 620, that is, implements the data processing method described above.
The memory 620 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 620 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 620 may further include memory located remotely from the processor 610, which may be connected to the device/terminal/server via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input means 630 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the server. The output device 640 may include a display device such as a display screen.
EXAMPLE seven
An embodiment of the present invention further provides a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform a data processing method, including:
acquiring deposit receipt data;
determining an online payment account according to the user identification information in the deposit receipt data, wherein the online payment account is not bound with any bank card;
and adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data.
Of course, the storage medium provided by the embodiment of the present invention contains computer-executable instructions, and the computer-executable instructions are not limited to the operations of the method described above, and may also perform related operations in the data processing method provided by any embodiment of the present invention.
From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods according to the embodiments of the present invention.
It should be noted that, in the embodiment of the data processing apparatus, the included units and modules are merely divided according to functional logic, but are not limited to the above division as long as the corresponding functions can be implemented; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention. It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A data processing method, comprising:
acquiring deposit receipt data;
determining an online payment account according to the user identification information in the deposit receipt data, wherein the online payment account is not bound with any bank card;
and adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data.
2. The method of claim 1, wherein the obtaining credit data comprises:
when a deposit event is detected, acquiring an operator identifier, and performing authority verification according to the operator identifier;
if the authority passes the verification, the client acquires deposit receipt data, establishes an intermediate account according to the deposit receipt data, and stores the deposit amount in the deposit receipt data through the intermediate account;
and after the account amount of the online payment account is adjusted according to the deposit amount in the deposit receipt data, the method further comprises the following steps:
and generating a deposit record, recording into a standing book, and deleting the intermediate account, wherein the deposit record is used for recording the full-process information of the deposit.
3. The method of claim 1, wherein determining an online payment account based on the user identification information in the deposit slip data comprises:
acquiring user identification information in the deposit receipt data;
and inquiring on-line payment account registration information according to the user identification information, and determining an on-line payment account corresponding to the user identification information according to an inquiry result.
4. The method of claim 3, wherein the querying online payment account registration information according to the user identification information and determining an online payment account corresponding to the user identification information according to a query result comprises:
inquiring online payment account registration information according to the user identification information, wherein the online payment account registration information comprises online payment account registration information in a bank system and online payment account registration information of a third-party payment platform;
if the user corresponding to the user identification information registers an online payment account in a bank system, determining that the online payment account registered in the bank system is a first alternative account;
if the user corresponding to the user identification information registers an online payment account on a third-party payment platform, determining that the online payment account registered in the third-party payment platform is a second alternative account;
generating feedback information according to the first alternative account and the second alternative account, and sending the feedback information to a client to indicate the client to prompt a user to select an online payment account to be started;
and acquiring user selection information sent by a client, and determining that the first alternative account or the second alternative account is an online payment account corresponding to the user identification information according to the user selection information.
5. The method of claim 4, after querying online payment account registration information based on the user identification information, further comprising:
and if the user corresponding to the user identification information does not register an online payment account in the bank system or does not register the online payment account in the third-party payment platform, transmitting account information of the newly registered online payment account to the client according to the deposit slip data.
6. The method of claim 1, wherein adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data comprises:
and acquiring the deposit amount, calculating an addition operation result of the deposit amount and the account balance of the online payment account, and determining the addition operation result as the adjusted account amount of the online payment account.
7. The method of claim 1, after adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data, further comprising:
and acquiring mailing information in the deposit receipt data, associating the mailing information with the user identification information, and sending the associated mailing information and user identification information to an online shopping platform.
8. A data processing apparatus, comprising:
the data acquisition module is used for acquiring deposit receipt data;
the account determining module is used for determining an online payment account according to the user identification information in the deposit receipt data, wherein the online payment account is not bound with any bank card;
and the amount adjusting module is used for adjusting the account amount of the online payment account according to the deposit amount in the deposit receipt data.
9. A server, characterized in that the server comprises:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a data processing method as claimed in any one of claims 1-7.
10. A storage medium containing computer-executable instructions for performing the data processing method of any one of claims 1-7 when executed by a computer processor.
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